From the very beginning, the maternity capital program lacked the ability to withdraw part of the money in cash. Initially, in order to avoid undue spending and fraud on the part of unscrupulous parents, cash was not issued, and it was possible to dispose of them for strictly established purposes.
However, this year, the law came into force, giving the opportunity not only to cash out 25,000 rubles, but to receive money every month. You can arrange for any purpose, at the discretion of the certificate holder.
How to cash out 25,000 of parent capital
To prevent inappropriate expenditure of spending, the goals of use by the parent capital were limited to those established by law. To get them in cash was simply impossible. However, in 2016 a one-time cash payment was made. She was very popular and created a stir.
Despite the expectations of the population, in 2017 there were no payments. In 2018, she returned in a slightly modified and updated version. The payment will be made on a monthly basis, from the birth of the child to the age of 18 months. However, this allowance is granted only for a period of 1 year. After its expiration, it is necessary to submit documents again to receive the remaining payments.
It should be noted that only families with income not exceeding the established minimum will be able to receive funds. The level is quite high, which allows receiving assistance to a wide circle of the population. The size will not be the same for everyone, but depends solely on the minimum subsistence level in each individual region. Thus, you can get much more than 25,000 rubles with a one-time payment.
The money will be credited to the bank account. The family will be able to receive them and spend at their discretion. Thus, as in the case of a one-time payment, there is no need to adhere to the main goals of using capital.
Legal grounds
From 1 January 2007, state social support for families with 2 or more children began to operate. Applies to children born after this date. Also, they must be citizens of the Russian Federation. The right to social support is given by federal law 256-ФЗ.
On December 26, 2017, a law was enacted providing for monthly payments from certificate funds. Law number - 418 ФЗ.
Who is entitled certificate
The following categories of citizens are entitled to a certificate:
- Citizens of the Russian Federation, who became the mothers of the second and subsequent children, both naturally and through adoption.
- A man who adopted a second or more child. Valid only for citizens of the Russian Federation.
- A father or adopter in the event that the mother who gave birth to the second or third child lost her parental rights. The reasons may be different and are not a condition. A man does not necessarily have the citizenship of the Russian Federation.
- A minor child in the event that the parents, who previously had the right to maternity capital, lost their parental rights for one reason or another. Or if the child was left without caregivers.
- An adult under 23 years old if he is studying full-time. Gets the right under the same conditions as minors.
If the right to a certificate was obtained after the death or deprivation of rights, a corresponding document will be required for making payments.
Size of help
Since 2007, when the program began, the amount of capital has been indexed every year. This made it possible to take inflation into account, while preserving its value and purchasing power. However, since 2015, the maternity capital is no longer indexed and is set at the level of 453 thousand rubles. Indexing returns are expected to be expected in 2020.
According to experts, due to the cessation of indexation, the value of matkapital decreased twice as compared with the year the program began. However, for 2018, several changes have been proposed that will increase its value, especially for families in need.
How can I use
Set a number of purposes for which it is allowed to use the funds. The following is valid:
Living conditions
Most often, maternity capital is used precisely to improve these very conditions. Funds can be spent on the purchase of a finished home in the new building and on the secondary market.
Since there is not enough money from capital for a full purchase, they can be attracted for mortgage lending: as a first installment or for repayment. Often banks offer preferential terms.
You can use the money for the construction, reconstruction or expansion of a private house. It is allowed to carry out work both independently and involve third-party organizations. It should be noted that the site should already belong to the family.
Training
You can pay for education in all educational institutions of the country: from kindergarten to university. At the expense of maternity capital, it is possible to cover not only tuition itself, but also accommodation in a dormitory, including utilities.
It should be noted that it is possible to pay for education for all children, and not only for the one for whom the certificate was received.
Disability integration
Disabled children need special care and special equipment. It is possible to cover all these costs at the expense of the certificate from the first days, and not from the age of three.
Changes in 2018
New changes, in addition to monthly payments, provide for a new version of targeted spending of funds: on childcare services in pre-school organizations. Thus, you can not wait for the 3-year-old and go to work earlier, paying for supervision expenses at the expense of capital.
Who is eligible for payment
The first condition for receiving payment is the presence of the certificate itself. Who is entitled to receive it, described above. However, the child must be born no earlier than 2018. Thus, December 31, 2017 will no longer be considered.
The second condition is family income. You must take the cost of living in the region of residence. Then multiply it by a factor of 1.5, and then by the number of family members. It means parents + children.
If the final number will be more than the average monthly family income, then you can count on a monthly payment.
The amount of income will take into account all the basic earnings of the family in the last 12 months of last year. These include:
- payment and remuneration for labor activity, as well as profit from business;
- various government compensation;
- insurance payments to assignees;
- such payments as benefits, scholarships, pensions and the like;
- material allowance of the military in money.
It is important to remember that the calculation of earnings for a family member will be made on the basis of the amount before the payment of all taxes. This should be taken into account when applying for monthly payments.
State aid for emergencies is not included in the calculation.
Where to go and what documents are needed to receive payments from the maternity capital in 2018
Federal law establishes that the same person who received the certificate will receive payment. Without the last payment will not work out. You can apply at any time until the child reaches 18 months of age. However, with certain conventions:
- If you apply 6 months after birth, the payment will be made only in the following months, and the previous ones will be lost.
- If you submit documents earlier than after 6 months, the payment will be for all 18 months, including those already missed.
- To receive the payment, you need to apply to the pension fund, the MFC or just go to the website of public services. If all conditions are met, it will only be necessary to submit the appropriate papers.
For ordinary cases, you must provide papers confirming the birth or establishment of custody of the child. It is required to confirm the fact of citizenship of the Russian Federation as a child, and applying for payment. You will also need a certificate of income and a certificate from the military commissariat to the parent or spouse.
You must provide an account for crediting money. It is required to submit a contract or certificate confirming the fact of opening an account specifically for the applicant, since only the owner of the capital certificate can receive money.
In cases where the right to a certificate was obtained due to the death of a woman or the deprivation of her parental rights, a death certificate is required. A complete list of documents can be found in Appendix No. 2 to order 889n.
In order not to lose time, you can apply simultaneously with the submission of documents for obtaining a certificate. A year later, you must apply again. Do not forget that the balance of capital will be reduced by the amount of the monthly payment.
When will payments be terminated?
Payments will be terminated after the child reaches 18 months of age. If you plan to spend money on other purposes, you can write a written waiver.
The reason for the termination of payments will be the death of the child or the parent / adopter, for which the certificate was obtained. It should be borne in mind that the calculation is based on regional standards, respectively, when changing residence will have to re-apply. However, under the new conditions, the payment may not be assigned.
The one-time payment of 25,000 rubles from the maternity capital was very much in demand. Many families, especially single mothers, appreciated this opportunity. In 2018, the government took the next step, namely, the monthly payment, more relevant and useful for families. Its size varies in all regions and depends on the subsistence minimum per child.
The parent will only need the certificate itself, the minimum set of documents and the income per family member is less than the established level.
