Since 2007, the government has improved the funding of young families who have two or more relatives or adopted children.Initial support is a quarter of a million rubles., Adjusted for inflation in 2014 will get a certificate for the amount of 420 thousand rubles.Absolutely all of the family, who after January 1, 2007 was born the second or subsequent child may qualify for public assistance, this program also applies to adopted children.That is why parents are wondering about how to cash out the maternity capital.
How to get financial assistance from the state?
Not necessarily immediately after the birth of a child to run for the money anyway they can be used when the child turns 3 years.Eligibility No one can take away from their parents, so the funds can be obtained at any time.Responsible for the execution of the program is the Pension Fund of the Russian Federation, its representatives told in detail how to cash out the maternity capital.
To obtain the certificate confirming the right for state financial assistance, it is necessary to collect the documents: a birth certificate for all children, mothers passport, certificate of compulsory pension insurance, the court decision on adoption.Then you need to apply to the pension fund at his residence, and to write a statement on the established pattern.The authority given to only photocopies of documents.The certificate can be obtained within a month.
main methods of obtaining cash
Not knowing how to cash out the maternity capital, many irresponsible parents fall for the bait scams.Keep in mind: to legally use state aid can only be non-cash payments.Every year in the law amended, and methods of use of the parent capital becomes larger.To date, most of the certificate is used to improve the living conditions of the family.Parents can buy a home, build your own, take part in joint construction, remodel, pay the mortgage, or interest on it.
Maternity Capital can go to pay for the higher education of any child in the family, further education institutions have a certain license, municipal and state schools or kindergartens.The certificate may be used and to improve the funded pension mother allows you to make money and to private PF.We also consider the possibility of state aid at the expense of higher education of the mother.
Which banks are cashing maternity capital?
operating in Russia a lot of banking institutions, receiving certificates as payment mortgages.In search of opportunities, as well as where the mother's capital to cash, some parents are caught by fraudsters, thus losing at least a third of the money, and at best - by all means.The state does not provide for the issuance of cash that could be spent on food or clothing, so go on about the dishonest dealers should not be.
Employees PF tell how cashing maternity capital legally.If the family is in need of better housing conditions, for a loan with its subsequent repayment of state aid can be paid in the following banks:
- Savings Bank - provides loans for 30 years at 14% per annum, working with ready buildings.
- DeltaCredit - provides housing loans with an initial contribution of 5%.
- VTB24 - provides loans for 50 years at 11% per annum.Maternal capital can be made as a down payment.
also favorable credit products offered by the Bank of Moscow, Primsotsbank, UniCredit, Nomos Bank.
