Russia cares about its future.Need proof? The parent capital of the FIU is issued to those who have the right to it under the law. The program has been operating since 2007, and quite successfully. Let's deal with the fact that the parent company of the Pension Fund of the Russian Federation expands, reveals how this happens. In the state there are hardly people who do not have a general idea on this topic, but they may not be aware of important nuances. And this is important both for a country that cares about the future, and for families.
The general meaning of the program
We live in a capitalist world, where everyoneworks for himself. In this regard, a rather large stratum of a very useful population for the development of the country was at risk. People of children give birth and bring up, they have no time to run for a large ruble. That is why they lose the chance to purchase housing, raise funds for training a child and the like. Probably under capitalism such a situation is considered normal. But the country needs a healthy, educated, well-off population, in it its main strength. Hence the program to support large families. The Pension Fund of Russia (PFR) is working on its implementation. Maternity capital passes through the accounts of this organization and goes to the consumer, namely to citizens who have the right to it under the law. The essence of the program was described: the state is dealing with people's problems. Now you can begin to consider the subtleties. How can mother or father receive maternity capital? Does the FIU only work in the mode of personal reception or have other opportunities to apply? All this is extremely important for the parents of infants or people working and raising children at the same time. They simply do not have enough time to run around the authorities.
Who has the right to maternity capital?
Not all citizens can claimadditional, very considerable money from the budget. The parent capital of the FIU accrues only to citizens of the Russian Federation. That is, it is necessary to confirm that the child is a "subject" of the country. This requires a certificate of Russian citizenship. In addition, copies of mother or father's passports, birth certificates of all children are required. The parent capital of the FIU, according to the program, is issued to the second or subsequent children who were born after January 1, 2007. You will say that it is unfair, because left many families behind, bringing up babies born earlier? You will be wrong. The state in this way stimulates an increase in population. It offers to give birth yet.
Additional documents
RPM maternity capital gives not only onefrom parents. After all, unfortunately, not all children have a mom and dad. The guardian or adopter has the right to apply for funding. This person needs to provide the inspector with documents confirming the status. It should be borne in mind that all children who are adopted by the adopter (guardian) will be taken into account (both their own and the adoptive). If the mother has died or is deprived of the rights, copies of the death certificate or the court decision must be attached. Collect all the papers in advance before writing a statement. The parent fund invests the Pension Fund in a short time. This is given to workers for three months. It is advisable not to fail them, forcing to demand all new papers. Not many documents are required to participate in the program. As a rule, the collection does not present any difficulties.
Where can I spend money?
Such a good and necessary program haslimitations. The goal of family financing is to adjust the inequality in the possibilities of material support and the creation by parents of normal conditions for the development of children. According to the idea of the creators of the program, in this situation it is difficult for people to buy a house or an apartment, to collect for training and so on. That's what the country cares about these important needs. You can spend it, by law, on:
- payment for the child's study;
- the solution of the housing problem;
- creation of conditions for a disabled child and its social adaptation;
- add to the retirement account of the mother.
You can also get cash, but only in small "pieces", in accordance with special government decisions.
How specifically to get money?
A certificate of the right to capital is half the battle.Sometimes there are problems with obtaining it, however they are solved at repeated treatment. It is much more difficult to collect documents for the FIU to use maternity capital. With this, people have a lot of problems. First, the calculations are made only in non-cash form. You decided to buy a house, for example, and the seller is afraid to contact the budget. It is known that all transactions are checked for targeted use of money. It is necessary for holders of the certificate to suffer, until they find a suitable option. Secondly, the FIU should still accept the papers. And this is also not a simple problem. It is recommended to first go to the inspector and find out what instructions he has, that is, to act in cooperation. This will help to get around many pitfalls.
How to improve housing conditions
We pass to the most subtle points.Failure of the FIU to transfer maternity capital is a very unpleasant situation. It is necessary to collect the papers correctly so that they do not get it. In order for you to pay for better housing conditions, first of all you need a contract of sale, registered by the state. A copy thereof is attached to the application together with the certificate. If you want to spend money on repairs, you should also provide a contract concluded with the company that provides such services. But keep in mind that they will pay for the work only after it is done. By analogy, papers are selected for the construction of their own house: a document on the ownership of the site and an agreement with the firm. The following document, which is necessary in all cases, must contain the details of the bank account of the person to whom you pay for housing (repair or another).
When will the money be transferred?
Happy certificate owners are building plans,pick options, and the seller needs money. In this their interests can come into conflict. It is necessary clearly to the person with whom the contract is concluded to answer, in what terms the FIU lists the parent capital. According to the law, the inspector is given one month to process the application. But it is important to have the confidence that you have collected all the necessary documents, you do not have to redo anything. Therefore, consult with the inspector in advance, showing documents to the FIU. The receipt of the parent capital is processed on time, but you can also refuse to receive something if something is missing or something is improperly drawn up. Therefore it is desirable to hedge. If you get a refusal, then do not be nervous, but find out as much as possible the reason. The documents will have to be altered, but one should not lose hope. Sooner or later, the money will go to the seller's account.
What if I do not spend the whole amount?
When you solve one problem, you can think aboutfurther use of the allowance. To do this, contact the FIU. You can find out the rest of the parent's capital from the inspector. This is the simplest way to not be lost in conjecture and not to be in illusions. This specialist will tell you where to send the available funds. The fact is that the program is designed in such a way that the family will solve global problems. As a rule, it remains in the account a little. These funds can be added to the mother's pension. To do this, write a statement, the form of which will be given by the inspector who receives you. Sometimes you can spend money on studying. For this, it is necessary to make a copy of the contract with the institution providing the services. He podkolite to the application and give it to a specialist. Often people ask when you can use the funds. Experts recommend not to delay the decision. Once the certificate is on hand, think about how to use it. There are no restrictions here. But do not forget that the amount or its remains are indexed annually, that is, they increase. Thus, the mother's capital has almost doubled during the program's work. First, parents received a certificate for 250 thousand rubles (2007), and in 2016 this amount increased to 453, 026 thousand rubles.
What can not be done in any case
It is important to understand that the RPF maternal capital,payments on which are made, once again carefully check. If it is revealed that the budget funds are spent for other purposes, you will have to face a serious problem. There are scammers offering frivolous moms and dads to cash out capital. You can not agree to this in any case. This is a fraud! Detected violations are dealt with by law enforcement agencies. And you can not joke with them, fraud is a criminal offense, so you will have to survive not only the return of your mother's capital. The FIU, for its part, carefully monitors the target use of money, but there are cases when the inspector overlooked, well, or the cheater turned out to be trickier. Law enforcers will deal with all, and moms and dads they will not bypass the attention. Believe me, the state protects its money. Once they are meant for the child, you should spend on it.
P.S
In 2014, the Russian Federation grewtwo subjects. Families living in the Crimea are also affected by the program. And, like all citizens of the Russian Federation, these people can apply to the Pension Fund on a general basis, that is, to receive money for children born after January 1, 2007.
