How to withdraw maternity capital in cash. Cashing out maternity capital

Represents a fairly significant amount for the majority of the population of Russia. Impossibility of receiving it in the form of cash made in order to protect money from speculation and misuse. All money transfers with the use of mother capital are carefully monitored by the state.

It is impossible to legally cash out matkapital, no matter how some “experts” assure. In 2010-2011, as an anti-crisis measure, the government provided an opportunity for low-income families to receive 12 thousand in cash in case of a difficult life situation. But such cashing out has been illegal since 2012, since this one was closed.

So how to legally cash out maternal capital? This is only possible in three cases:

to improve housing conditions, including to close mortgage debts or to purchase materials for building a house;
for teaching a child, and not only at a university or college, but at school and in kindergarten;
to increase the funded part of the woman's pension.

A more detailed list of usage options can be found on the official portal of the Pension Fund of Russia.

All other schemes for using mother capital are illegal and fall under the fraud article of the Criminal Code of the Russian Federation.

Nevertheless, the question of how to cash out maternity capital continues to worry families, especially those with small incomes, for whom it is desirable to receive a large amount in their hands. In addition, cash may be of interest in the following cases:

if you need to pay a loan that was taken not for housing, but, for example, for business development;
if you need to get rid of numerous debts;
if there is a disabled child in the family and money is needed for treatment;
if the money is planned to be spent not for its intended purpose, for example, to buy a car or to develop a business.

And some dysfunctional families simply want to drink the money they receive. Therefore, there is interest in whether maternity capital can be cashed out. Special schemes for its cashing out have been developed, which are built on "holes" in the legislation and are based on human self-interest and dishonesty of performers.

The risks of getting caught in the illegal cashing out of mother's capital are high, and they are not worth the effort and proceeds, since most of the money goes to intermediaries. Thus, it is realistic to cash out maternity capital funds, but this threatens far from the best consequences.

About how people are deceived when cashing out schemes are implemented.

In 2019, due to the protracted economic crisis, Russians are increasingly interested in cashing out maternity capital. Since formally certificate holders have money. However, it is impossible for families to receive them in cash.

Today we will take a closer look at how you can cash out a parent certificate.

Legal ways to cash out MSK in 2019

Periodically Russian government takes measures to support state citizens of the Russian Federation. In particular, these are lump-sum payments to holders of certificates for MSCs.

During the existence of the MSC state program (from 2007 to the present day), such payments were made repeatedly and were equal to from 10 to 25 thousand rubles. The last time such a measure was applied was until December 2016.

There were also certain plans for 2017. So, the deputies of the LDPR faction proposed their bill to change the current legislation. They wanted to expand the opportunities for the implementation of MSCs by annually cashing out part of the MSC funds in the amount of 50 thousand rubles.

But such a project did not even pass a formal check and was returned to its authors.

Currently, the law does not provide for other ways to cash out mat capital. And all the schemes for extracting cash from MSCs described on the Internet are illegal.

Attention! On the this moment there is no program of lump-sum payments from MSC.

Up-to-date information on the date of application can be obtained from the PF.

Pitfalls of legislation

On the Internet today you can find a lot of colorful ads and burning stories about how to take maternity capital in cash.

How not to cash out

If someone assures that it is quite possible to receive money in cash directly from the PF (in addition to the situation described above), he is misleading.

This can happen for two reasons:

the person himself is not sufficiently aware of the mechanism of the functioning of the MSC program;
this character deliberately misinforms in order to obtain some benefit for himself personally.

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What scammers can offer so that maternity capital can be withdrawn:

the acquisition of dilapidated housing with the alleged possibility of returning most of the money minus commissions;
loan for favorable conditions with the possibility of a return without paying interest;
provision of fake documents for the purchase of means of adaptation of children with disabilities;
the conclusion of imaginary contracts for the construction of housing, the provision of paid educational services;
transfer of money to the NPF with the possibility of withdrawal before the appointment of a pension.

This is far from complete list tricks that scammers use to get hold of other people's money.

Do you need on the subject? and our lawyers will contact you shortly.

Consequences of illegal cashing out of funds

The PF does not check the physical condition of the housing and its suitability for habitation. Since it is considered and in the contract it is written that the buyer has familiarized himself with the condition of the housing before the direct purchase and has no claims against him.

To file a lawsuit with a court to recognize such a contract of sale as invalid is tantamount to admitting one's own participation in fraud.

Attention! The judge has the right to issue a ruling on the discovery of signs of a crime and send the selected material to the competent law enforcement agencies.

A criminal case will be initiated, in which you will no longer be a victim or a witness, but quite likely a suspect (accused).

You must initially understand that the algorithms described above are illegal. And participation in them can end badly.

Legitimate schemes to get cash under the MSC program

In addition to lump-sum payments, loans for the construction, acquisition, reconstruction of housing can be called indirectly cashing out. In fact, you receive money in your hands, some of which can be returned at the expense of MSC.

Attention! If the loan (together with interest) does not exceed the size of the MSC, then it can be fully repaid.

In addition, 50% of the MSC can be handed over for reconstruction, housing construction when submitting the following documents to the Pension Fund:

legal acts on land plot, where the development and / or the reconstructed structure is supposed;
building and/or reconstruction permit;
a written notarial obligation to transfer the newly erected / reconstructed housing to the ownership of all family members.

Attention! All of the above documents must be issued in the name of the applicant (certificate holder) or his spouse.

You can use the MSC in the above indicated way only through the PF and credit organizations(banks) issuing targeted loans with the possibility of their repayment by means of mother capital. Ordinary consumer credit does not count.

When payment obligations arise within any of the 4 targeted areas of use, funds are almost always transferred by PF employees to their final recipient (seller, developer, contractor, etc.). It happens in a non-cash format.

Such a system financial transactions designed to prevent abuse of the right to mother capital and suppress attempts to misuse it.

Should I trust the promises of realtors

Realtors often offer various schemes for cashing mat capital, including illegal and semi-legal ones.

Before agreeing to any tempting offer, do not be too lazy to seek the advice of a competent lawyer.

It should be remembered that lawyers also have a narrow specialization. In this connection, not every lawyer can properly advise if the topic of the issue does not belong to his narrow specialization.

Important! It is impossible to legally cash out matkapital through realtors. Legally, only contracts for the sale of housing are concluded with the participation of MSC funds.

Moreover, it is quite possible to do this without the participation of realtors. For example, through a familiar lawyer who specializes in transactions.

Anti-crisis measures in 2019

In 2015-2016 there were two successive anti-crisis programs for lump-sum payments. In 2015 - 20,000 rubles, and in 2016 - 25,000 rubles.

Both programs ended in 2017. All comers have already received money by transferring them to a bank account.

Attention! We remind you that we are talking about one-time promotions. The law does not provide for the possibility of permanent or periodic cashing out of mother's capital at all.

Such measures are designed to improve the quality of life of families with 2 or more children in economically difficult conditions. For example, to compensate for the rapid rise in prices, tariffs compared to wages.

Such events were carried out twice before: in 2009-2010. Holders of certificates for MSCs received 10-12 thousand rubles to their bank account.

If in 2019 the Government again announces lump-sum payments from MSCs, then it will be possible to receive such funds:

by written application to the Pension Fund;
submitting a document through the MFC;
in electronic form- through the portal of public services, a web resource.

Video on how to legally receive mother capital in cash.

May 13, 2017, 09:04 Mar 3, 2019 13:49

It is forbidden to cash out maternity capital. But there are several ways to get money from the state and use it for personal needs. Further, the ways and methods of how to cash out maternity capital will be considered in detail. In this case, examples of the legal receipt of capital funds are given.

Is it possible to cash out maternity capital legally and quickly?

In 2018, you can receive cash money on previously issued maternity capital if you apply for funds to the Pension Fund. The bill was revised, as a result of which it became possible to receive money monthly in the amount of living wage established in the region of residence.

Otherwise, cashing out maternity capital is prohibited. Such actions are criminal penalties under Article 159 of the Criminal Code of the Russian Federation "Fraud", on the basis of which you can get a real sentence. Also, the authorized bodies will oblige to return the funds issued to the state.

In the question of how to cash out maternity capital, only the legal use of funds can be distinguished, which is stipulated in the laws of the state and regulations. Here, the following rights of certificate holders to use it legally are distinguished:

Acquisition of own housing - it can be an apartment, a house or an isolated room. Share redemption is allowed if the owner of the certificate has a shared ownership;
It is allowed to use it to improve housing conditions - this is the expansion of existing housing or the repair / reconstruction of real estate in which the child lives. In this case, the certificate holder must submit an expert opinion on the need for repair, since the current condition poses a threat to the lives of children;
Funds can be obtained to pay for the education of children - these are preschool, school and vocational educational establishments that meet the requirements state standard. You can pay for sections and circles if the organizations have been issued an appropriate license to carry out their activities;
It is allowed to put funds into the mother's retirement account. The bill provides for the formation of a funded part, which a woman can use after retirement. Here, an important condition is the preservation of parental rights to children, after the birth of which the certificate was received;
If necessary, it is possible for the rehabilitation of disabled children or the treatment of a child in need of urgent therapy.

It will not be possible to withdraw funds in cash - the Pension Fund transfers the amounts to the recipients' accounts, depending on the situation and the request of the owner. After that, only recipients can withdraw them. You can request the provision of maternity capital money without waiting for the 3 years of the child, after the birth or adoption of which a certificate was issued.

There are no other cases of receiving cash in cash legally. But with careful study of the issue, the owners find ways to cash out capital.

STOP fraud with mother capital - what methods do people use

In 2018, the schemes of fraudulent activities have changed - new ways are being formed to receive funds from maternity capital in cash into the hands of the owner. Some of them are tracked by the competent authorities quickly, after which the owner and other persons involved in the transaction are held accountable.

At the moment, the following ways to cash out money illegally can be distinguished:

The exchange of a certificate is a simple resale of maternity capital. There are two parties involved - the owner and the buyer. The owner sells the certificate for a price less than the value of the document. The buyers are often banks and other financial institutions. Often, for a transaction, the buyer reduces the cost of the document up to 30%;
Exchange certificate for a car. Some banks offer purchase vehicle with the option to exchange the certificate. Here you can be content or choose a car model for the amount of capital;
Cashing out through an intermediary. Fraudsters offer to cash out money by purchasing a non-existent living space. As a result, the Pension Fund transfers funds to the fraudster's account, he gives a part to the owner, and retains a percentage of the amount, which was agreed in advance;
Acquisition of dilapidated housing. You can get some money in cash if you buy dilapidated housing or, for example, a garage. In the application, documents are submitted for the acquisition of real estate of a large area and with good conditions. The money transferred by the fund is partially sent to pay for the garage and the services of scammers;
Buying an apartment, but with a complete loss of money. This is a standard scheme of scammers who appropriate all the money. They offer owners to buy an inexpensive excellent apartment in the city center. After a deal, for which they prepare the documents themselves, the owner turns out to be the owner of a barn in the village, and the scammers with the money disappear;

Most certificate holders do not even think about whether it is legal to carry out the actions of scammers. In fact, assistance is provided by organizations registered in the Unified State Register of Legal Entities or EGRIP, so it seems that the work is carried out by professionals with strict compliance with the law. A special trusting relationship appears to banks and similar organizations.

At the moment, in Russia, the following organizations provide assistance in obtaining maternity capital in cash:

Real estate agencies - it provides assistance in obtaining funds through a special transaction. Often, close relatives who allegedly sell the living space to the owner of the certificate come into play. Further, the Pension Fund transfers the maternity capital to the seller, and the buyer takes the money from him already in cash;
Microfinance organizations - you can withdraw money from your bank account after the MFI issues a loan to the owner of the certificate against his security. Thus, the owner submits an application to the Pension Fund to receive funds in order to pay off a debt, issued, for example, for the purchase of an apartment;
Through special firms - today a huge number of organizations are being created that offer to withdraw money from maternity capital by any possible way. There are only illegal transactions, but with official paperwork. The task of employees is to choose an acceptable option, prepare documents and bring the deal to the end, receiving a reward.

In all cases, the owners of maternity capital first of all ask how much the cash-out assistance service costs. The amount varies from 50 to 100 thousand rubles. Some companies make a fixed request in the amount of 30% of the amount of capital, but then they take on all the registration costs.

There are many fraudulent schemes today, so owners must correctly assess all the risks. Otherwise, you can be left without money and the opportunity to improve your situation and children. Fraudsters are confident that victims will not apply to law enforcement agencies in the event of illegal cashing out of funds.

Method number 1: Bank loans

The most common way to cash out maternity capital is. Moreover, this can be done both legally and illegally.

In 2018, you can legally apply for a loan using maternity capital funds in the following way:

for the purchase of housing - in this case, a loan is provided using mother capital as initial capital. You can buy a house or an apartment, an isolated room and other buildings related to residential real estate with the possible residence of a child;
The family can apply for a loan for - here required condition is presented as a property in the form of a plot on which the building will be erected. Also, the site must have the status of individual housing construction;
A loan for the reconstruction of a house or repair - is issued in the same way - with the submission of an application, an expert opinion and a previously calculated invoice for work construction organization and purchase of building materials.

It is impossible to legally cash out maternity capital, since the funds will be transferred to the accounts of the recipients. At the moment, banks that give a loan for maternity capital should be presented:

VTB 24 - the bank accepts maternity capital as a down payment or to repay a previously issued loan. When using the certificate as a down payment, the bank will calculate the amount of the mortgage, taking into account the amount of the down payment and family income;
Sberbank – uses materkapital in different ways and for different purposes. But the main condition is the registration of a mortgage or a housing loan for an already finished housing. This is explained by the risks of freezing construction;
Bank of Moscow - here you can use the capital to purchase finished housing or just under construction. If the family has its own funds for the initial capital, which will be more than 35% of the selected housing for purchase, it will be possible to apply for a mortgage according to two documents;
Unicredit - this bank also offers a cottage, which is why the rates change significantly.

Speaking about the illegal cashing out of maternity capital, among banking institutions a certain fraudulent way of helping parents is used. It changes depending on the situation, but general principle is maintained. It is not possible to cash out matkapital in this way in every bank.

Often, such financial and credit institutions offer express loans without checking the credit history of customers. The scheme for cashing out capital in this case is as follows:

Family asks for help, imagining having maternal certificate and other documents;
Bank employees offer to issue a loan for the purchase of real estate. The cost of the object does not exceed the amount of maternity capital, it is located far beyond locality. Often this housing is unsuitable for children, but has a cost of no more than 50 thousand rubles;
The seller of the object is a third party, but close to the activity credit company. As a result, the bank fully confirms the satisfactory living conditions for children and parents. The Pension Fund does not personally check the objects when considering an application, but is guided by the submitted expert opinion;
The loan is issued, the object becomes the property of the borrower. Further, the owner of the maternity certificate applies to the Pension Fund for payment to be made;
The Pension Fund believes the submitted documents, which are in fact forged. Issues a positive decision and transfers funds to the bank;
The transfer of money takes place in the general period within 2 months - a month is provided for checking documents and a similar amount of time for transferring money;
Next, the borrower goes to the bank to receive his money. At this time, employees close the borrower's loan and issue funds to the applicant, minus the previously agreed amount.

Thus, the owner of the capital is given the opportunity to use only part of the funds. Losses in replenishing the presented scheme are large, but in order to cash out funds and use them at their discretion, people go to any lengths.

Method number 2: Cashing out through microfinance organizations

Microfinance is another way to cash out maternity capital, which is similar to the previous method of illegally obtaining funds. Such an operation is carried out illegally, therefore, in case of detection of fraud, the authorized bodies will hold violators liable.

The most dangerous way that bears criminal liability is forgery of documents. To get money in cash, maternity capital owners often forge documents for various schemes, some of which were presented above.

Particular attention deserves the question of how to cash out maternity capital, if it is not available at all. Surprisingly, scammers manage to get their hands on money from Pension Fund in the absence of children. Forgery here involves the use of fake birth certificates.

The question is often asked: how to cash out maternity capital? What documents do you need to submit to receive it? To answer these questions, we turn to the current civil legislation of the Russian Federation.

Maternal capital- material support guaranteed by the state at the birth of a second child. Special Government program was adopted in 2007 with the aim of stimulating the birth rate and. Every year it is reindexed due to rising inflation. In 2017, the amount of mother's capital was 453,036 rubles.

Get maternity capital based on federal law N 256 "On additional measures to support families with children" can:

a woman, a citizen of the Russian Federation, who gave birth or adopted a second or subsequent children after 01.01. 2007 (cm. );
a man who has citizenship of the Russian Federation if he is the sole adopter of the second and subsequent children upon entry into force of the court decision;
the father of the children, regardless of citizenship, in the event of the termination of the right of a woman who has given birth to children to material incentives due to death or deprivation of parental rights (see);
a minor child (children in equal shares) or a full-time student until he reaches the age of 23, in case of termination of the right to additional measures state support of a father or a woman who is a single parent (adoptive parent).

Required documents

To receive maternity capital, a package of documents must be submitted to the Pension Fund, including:

application for a certificate;
original and copy of the applicant's passport;
original and copies of birth certificates of children.

If the children are adopted, a court decision must be attached. If one of the parents is not a citizen of Russia, a mark is required in the certificates of children confirming Russian citizenship. It can be obtained at the passport and visa service at the place of residence.

Maternity capital is issued in the form of a personalized certificate that allows it intended use. Maternity capital can be used to improve housing conditions immediately after the birth of a child, for other legally permitted methods - after three years.

The owner of the certificate can use it at any time after receiving it.

How to cash out maternity capital in 2018

There is no legal way to cash out maternity capital. This is due to the fact that uncontrolled spending of money can go in the wrong direction. governmental support. This is especially true for the receipt of cash by dysfunctional families, in which parents can irresponsibly spend money on the purchase of alcoholic and drug products.

The money is provided mainly to improve living conditions. This is the main direction of spending the received funds.

Within the framework of legal norms, it is also possible to spend money on the formation of a mother's pension or the receipt of educational services by children.

The Russian government has repeatedly discussed the issue of expanding the ways of using maternity capital. The question of the possibility of buying a family car was especially discussed, but so far this initiative remains under consideration by the State Duma.

It is possible to issue a loan for maternity capital from a bank to improve housing conditions, or to issue or repay an existing one. mortgage loan.

When applying for a mortgage loan, you can make a down payment with maternity capital. The owner of the certificate applies to the bank and signs mortgage agreement. To pay the initial fee, a certificate is presented. A payment schedule is drawn up for the remaining amount of the debt.

Another way is to pay off the existing mortgage debt. This case often occurs in practice. Its peculiarity lies in the fact that only the main body of the loan can be repaid at the expense of the received allowance - the borrower will have to pay the interest on his own.

Improvement of living conditions includes the reconstruction of a house, repair of a dwelling or. Previously, there was a condition on the need to conclude a contract with construction firms. Now it is allowed to carry out repairs on their own. The money is spent on paying for building materials or renting construction equipment on the basis of documents: invoices, invoices and checks. Money is transferred non-cash way material supplier or contractor. All actions must be documented. The family, after applying to the territorial office of the Pension Fund, 1-2 months after the application, is given 50% of the maternity capital. The balance is paid by law only after 6 months. That is why it is necessary to correctly allocate the budget in advance in order to avoid downtime in construction due to lack of funds.

It is not forbidden to return the money for the construction retroactively if you scrupulously collected all documents and receipts for the expenses incurred, confirming the purchase building materials. The state does not reimburse expenses related to finishing work, installation of stretch ceilings or plastic windows, since these actions do not directly correlate with the improvement of housing conditions.

Mother's pension

The scheme for using money is very simple, although it is used quite rarely. Funds received are transferred to non-state fund to the mother's pension savings account, where it is kept until due date. A company that has received money for management is not only obliged to save the funds entrusted to it, but also try to increase them by. After retirement, the mother receives a pension not only from the employer, but also receives additional pension payment from maternity capital.

The money can be spent at the decision of the owners on the education of children. This can include the following three types of expenses:

payment for the maintenance of a child in kindergarten;
payment for the provided educational services of an institution that has the appropriate license;
payment for student accommodation in a hostel of a general education institution.

Costs for medical services allowed if required:

receiving paid services mother or child;
the need to pay for an urgent expensive operation, in case of a threat to the life of a family member;
purchase of goods that allow social adaptation in the society of children with disabilities.

Cashing out maternity capital

How to cash out maternity capital is a question of interest to many families. In connection with the outbreak in the country economic crisis and the freezing of indexation of maternity capital, despite the increase in annual inflation to 12%, the state was forced to allow a lump sum payment to certificate holders in the amount of 20,000 rubles. in 2015 and 25,000 rubles. in 2016 To receive it, it was necessary to apply to the branch of the Pension Fund or the multifunctional service center (MFC) with an application. How to cash out maternity capital in 2018? This issue is still open, since the corresponding order on the payment of the reindexation amount has not yet been adopted. It remains to wait for the decision of the government.

How to cash out family capital in the regions - a feature of new regional programs

In order to improve demographic situation a number of regions since 2011 began to accept their own regional programs stimulation of childbearing. Families with a third and fourth child are entitled to receive regional money in the amount of up to 100,000 rubles. (the amount in each region is determined independently) from the funds local budget. This money cannot be cashed out either, but the choice of directions for which the received amounts can be spent is much wider.

It is allowed to spend these funds on:

purchase of a family car;
treatment of children;
repayment of consumer loans;
acquisition of land.

Many banks work with maternity capital, offering interesting mortgage programs at a low percentage. Traditional market leaders are largest banks federal significance:

Sberbank – interest rate 13-14% per annum. The bank offers a special program "Mortgage + maternity capital".
VTB 24– interest rate – from 13%. Program "purchase of finished housing".
Bank of Moscow– Mortgage interest 13.85%. Program - "Ready Housing".
UniCredit Bank- 12% on mortgages. Maternity Capital Plus program
DeltaCredit– from 12% annual interest rate. A mortgage loan for maternity capital is called "Apartment".

To find out which bank is better to apply to, you need to carefully study the additional conditions of mortgage offers: terms of provision, loan, drawing up a payment schedule that is convenient for the borrower, etc. (cm.

Asking the question: where can you cash out maternity capital, you can only count on resolving this issue through illegal schemes, which are sometimes used in practice.

Consider the most popular methods used by scammers:

Exchange certificate for money. The amount of cash received will be significantly lower than the funds provided by the state to the family under the program. There is a high risk of complete fraud on the part of scammers, since legally the fact of fraud will be almost impossible to prove.
Cashing out through an intermediary. The most popular way is to buy a home from your relative. Family capital is used to purchase real estate of a close relative, however, after transferring money to Bank details the seller's money is transferred to the family - the owner of the certificate, and the relative continues to live in the apartment. There is a so-called "fictitious" transaction. This method has disadvantages for the seller, since it will be impossible to sell the apartment without the permission of the guardianship and guardianship authorities.
Deliberately inflating the price of the apartment. Where to cash out maternity capital, if not with the help of this scheme? The buyer enters into an agreement with the seller, which overstates actual cost of his dwelling and after the sale of the apartment returns the difference to the buyer minus his commission. This method can only be possible if there is absolute trust in the seller, since the transaction is carried out on a voluntary basis and the obligation to transfer the amount of money back is not provided by the documents.
Buying emergency or dilapidated housing. In this case, after the purchase, the realtor returns the money after the transaction, minus his commission, which will be very high. The risks of the transaction are the same - you can be left without money.

How not to fall for the tricks of scammers

In order not to fall for the tricks of scammers, you should use maternity capital to the extent that this is provided for by the state. Collaborate only with credible large banks.

It is worth remembering that 70% of dubious transactions turn into large losses for the owners of maternity capital. Unsurprisingly in 2015 The President of the Russian Federation signed a decree prohibiting microfinance organizations (MFIs) from making any manipulations with maternity capital.

Liability for Fraud

Cashing out maternity capital is punishable by law. Articles 104 and 159 of the Criminal Code provide for the following liability of participants in an illegal transaction:

in case of unintentional cashing out - a fine of up to 120 thousand rubles;
in case of intentional - a fine of 1 million rubles. or imprisonment up to 10 years.

Housing can not be confiscated, as it is the place of residence of the child.

Thus, cashing out maternity capital in 2018 continues to be illegal and law-abiding citizens should use the opportunities that are officially allowed if they do not want to be deceived and not lose the funds allocated to them by the state.

The funds assigned to the family certificate are allowed to be spent in non-cash form for a limited range of purposes, so a reasonable question arises: how to cash out maternity capital. This is possible, but with the intended use and full compliance with the law. How to legally receive federal funds?

Popular schemes for the use of mother capital

Certificate holders should understand that cashing out family capital bypassing the Pension Fund or for unspecified needs is illegal. To approve the transfer of money to the seller or contractor, the certificate holder applies for approval to the FIU.

The government plans to resume subsidy indexation: in 2020, the amount of the allowance will increase from 453061 before 470241 rub., in 2021 - up to 489051 rub. Using public funds it is necessary to focus on government Decrees, for example, the Rules for the allocation of family capital to improve housing conditions. Consider legal ways for the implementation of mother capital:

purchase of an apartment, IZHS object;
construction or renovation of a house;
repayment of a mortgage loan housing loan(up to 3 years);
payment for education, including educational services of preschool institutions;
rehabilitation of disabled children;
referral to the mother's future pension.

For the sale, cashing out of mother's capital, execution of fictitious sales contracts, administrative and criminal liability is provided, for example, up to 6 years or a fine from 100 to 500 thousand rubles.

Therefore, it is important to correctly legally use government subsidies.

Obtaining capital for housing construction

With the funds of family capital, you can build a private house, cottage, cottage. AT last years grants under the certificate are directed not only to pay for the services of professional contractors, but also to cover the costs of self-construction of houses.

After the baby is 3 years old, at the expense of public funds, you can pay:

building materials;
construction team services;
equipment rental and other expenses.

The Pension Fund will transfer family capital funds to the parent's card or to the account of the contracting organization (in accordance with paragraphs 2, 16 of Regulation No. 862). To cash out funds under a certificate for the construction of a residential building, you must:

own a plot for individual housing construction or private household plots, issue a building permit and other documents;
submit an application to the FIU for the transfer of half of the family capital to the construction site;
build a foundation, walls and roof;
after 6 months, apply to the FIU for the balance of the mother's capital (by this time the main elements of the building will be ready).

There are two ways to use the assets of a family certificate to build a house: receive grants in advance before the construction of the object or reimburse the costs incurred retroactively. To do this, it is necessary to document all stages of construction, keep checks and receipts.

Cashing out mother's capital for reconstruction

Due to the state subsidy it is impossible to make a cosmetic or overhaul housing, but reconstruction of houses built before 2007 is allowed. This is a significant change in technical indicators, object parameters, for example, expansion residential areas, erection of the second floor or refurbishment non-residential premises to the living room. Reconstruction requires permission from the administration, preparation of a project and relevant documents.

The Pension Fund finances at the expense of mother capital independent reconstruction or with the involvement of contractors. Grants can be received before the start of work (in two stages) and at a time after the completion of the reconstruction. The main condition: the child for whom state assistance is allocated must be at least 3 years old.

Before the reconstruction, the owner of the house re-registers the property as the property of all family members, collects a package of documents. Consider the procedure for receiving funds:

the certificate holder submits an application and documents for the disposal of a grant to the Pension Fund or the MFC;
The PFR transfers 50% of the family capital to the account of the parent (material supplier, contractor) for reconstruction;
the commission from the PF checks the use of the subsidy (what materials, tools, equipment were purchased for the work, whether the costs are confirmed by checks and receipts);
upon completion of the main stage of reconstruction, the PFR transfers the remaining 50% of the mother's capital to the parent's account.

The application and documents are considered by the Pension Fund, it gives a written response within 1 month. Cash transferred to the parent's account within 10 days. In order to receive the entire amount of mother capital at a time, it is necessary to complete the reconstruction before the application is submitted.

Is it possible to cash out maternity capital to buy a home?

It is impossible to cash out family capital in the process of acquiring housing, since the Pension Fund allows wire transfer funds to the account of the seller or the bank that issued the housing loan. The most common way to use a certificate is to repay a loan or loan taken to improve housing conditions:

purchase of real estate on credit;
construction, reconstruction of an apartment, house at the expense of borrowed funds;
participation in shared construction.

Certificate holders should be prepared for the fact that not all banks will agree to issue a housing loan with mother capital. In recent years, only some large credit organizations have been working with family money. They offer various programs for issuing loans for the purchase of new apartments, the construction of cottages, frame houses. With the help of a certificate, you can make an initial payment on a mortgage or pay off the main debt to reduce the amount monthly payments.

The Pension Fund allows you to use the mother's capital to pay off the mortgage immediately after receiving the certificate. To do this, it is not necessary to wait until the baby is 3 years old.

For clearance mortgage loan The borrower must meet the following requirements:

citizenship of the Russian Federation, official employment, fixed income, which must be confirmed by certificates;
continuous work experience in one position for 6-12 months (a number of banks require at least 3 years of work experience);
clean credit history without prophesied loans;
registration of the acquired property in the ownership of each parent and child.

Before buying real estate in a mortgage, it is necessary to resolve the issue with the lender and the Pension Fund. After receiving the bank's approval, the borrower applies to the FIU to transfer funds. The Fund checks the documents within 1 month (in 2019, the period will be reduced to 15 days). It will take about 30 more days for the funds to be transferred to the account.

Is it possible to cash out family capital through educational organizations?

By using educational organizations it is impossible to cash out government subsidies. Any scheme of this type is a scam. The Pension Fund will pay for a school, private Kindergarten. Since 2018, payment for educational services for children's preschool educational institutions has been approved until the child reaches the age of 3 years. When submitting an application to the FIU, the parent is required to confirm that the child is actually attending an educational institution.

The rules for managing maternity capital are a public document, so the responsibility for participating in fraud will also fall on the owner of the certificate.

Receiving family capital for the adaptation of a disabled child

Money from the mother's capital can be cashed out through your own account if the child is disabled and needs to be adapted. Before submitting an application to the FIU, you must familiarize yourself with the list of goods and services for which you can actually receive compensation. You can reimburse the funds spent on the purchase of a lift, stroller, special bath or computer.

It will not be possible to cover all expenses at the expense of the certificate, since part of them is paid by the state under separate budget items. If the health of the child cannot be improved, then adaptation will be required in any case. For example, children with hearing and speech impairments get special computers, smartphones, books, and pay for rehabilitation services.

Why are fraudulent schemes for cashing out mother's capital dangerous?

Fraudulent services are offered by dubious companies and agencies.

The most common illegal schemes include: registration of fictitious transactions for the purchase and sale of housing through relatives, resale of dilapidated houses, dilapidated housing, real estate at an inflated cost, cashing out with a fake improvement in living conditions.

When carrying out illegal transactions, agencies take a commission - at least 20% of the amount of mother capital. The contract of sale may not provide for the obligation of the seller to compensate for the difference in price. There are transactions for the sale of certificates and powers of attorney for the right to use them. According to statistics, only 50% of such offenses are prosecuted.

If the transaction becomes known, the owner of the certificate not only receives a deadline, but also returns the entire amount of the benefit to the state.

Illegal are transactions for the purchase of real estate using certificates between close relatives: parents, children, grandparents and grandchildren. Especially if living conditions children after the investment of family capital do not change.

Employees of the Pension Fund and the Ministry of Internal Affairs constantly check the intended use of funds according to the family certificate. A fictitious transaction can be easily calculated by studying the information of the general State Registers.

Cashing out mother's capital with a monthly payment

Was canceled in 2017 lump sum in cash - 25,000 rubles. from the family certificate. The government has proposed another assistance program - receiving monthly allowance from parent capital. The funds are transferred to the card or account of the mother. The amount of the payment is equal to the amount of the living wage.

To receive monthly state aid a number of conditions are required:

a second child was born in the family after January 1, 2018 (if born earlier, then parents are not entitled to receive this allowance);
the payment will be accrued until the child reaches 1.5 years (an application to the FIU is submitted from 6 months to 1.5 years);
income per family member should be no more than 1.5 living wages for an able-bodied citizen.

The cost of living in the country varies from 8000 rub. before 14000 rub. The program of monthly payments from mother capital allows you to receive about 200 thousand rubles in 1.5 years. to your account. At the same time, PFR employees will not have to prove the intended use of funds.

When choosing ways to use a family certificate, you should pay attention to regional programs. Regions and regions offer their own directions for the use of mother capital, which are sometimes more diverse than state options. The following programs operate within the regions:

receiving family capital for 2 and 3 children;
buying a car and making other large purchases;
acquisition of land plots;
treatment of children;
repair of houses and apartments;
payment of consumer loans.

Usually regional family money is allocated large families, sometimes in the form lump sum. On average, the size of such subsidies is no more than 100 000 rub.

Conclusion

According to the legislation, family capital is provided in a non-cash form for the purchase of housing, repayment of a mortgage loan, education of children, formation pension savings mother.

The funds under the certificate can be legally cashed out in 2019 only for housing reconstruction, building a house, treatment and rehabilitation of a disabled child.

Read also: Mortgage with maternity capital: conditions for obtaining in 2019 10 ratings, average: 5,00 out of 5)