Использование материнского капитала

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Использование  материнского капитала

Использование  материнского капитала

Здравствуйте!

Сегодня мы с Вами рассмотрим такой вопрос как использование  материнского капитала.

Материнский капитал является мерой государственной поддержки для семей Российской федерации, в которых появился второй (третий и более) ребенок, родившийся или усыновленный данной семьей, позднее 01.01.07 года.

Сертификат для  получения материнского капитала разрешается  получить только один раз.

Документ является  именным и с него не взимается налог. Размер государственной поддержки в нашей стране ежегодно индексируется и с 01.01.2012 года её величина составляет 387 640 рублей 30 копеек.

А для тех семей, кто уже успел использовать часть  материнского капитала, размер оставшейся денежной суммы будет проиндексирован с учетом инфляции.

Отец ребенка так же может получить право на материнский капитал, но только при условии, что он единственный усыновитель.

Для  подтверждения права на получение вышеуказанных денежных средств выдается государственный  сертификат. Его можно получить в местном органе Пенсионного фонда.

Заявление о распоряжении средствами принимается к рассмотрению только после  истечения трех летнего срока со дня рождения второго ребенка. Срок же обращения за данным сертификатом вслед за рождением или усыновлением второго ребенка не ограничивается.

Порядок получения сертификата 

Для того, чтобы получить данный документ Вам требуется подать комплект установленных документов в территориальный орган пенсионного фонда по месту жительства (список документов приводится ниже).

В том случае, когда Вы не желаете или не можете самостоятельно посетить  отделение ПФР, Вы имеете право  послать документы по почте или представить их через свое доверенное лицо. Очень важным моментом в данной процедуре является правильное оформление всех данных в заявлении.

Пенсионный Фонд рассматривает Вашу  заявку в течение 36 дней. И в результате - на Ваше имя приходит  заказное письмо с информацией о решении и дате, когда Вы должны  будете прийти в местное управление Пенсионного фонда РФ.

В указанный день Вы должны прийти в Отделение Пенсионного фонда  по месту жительства для  получения  сертификата, который является свидетельством Вашего права для  получения средств материнского капитала. С собой Вы должны иметь паспорт, страховое свидетельство пенсионного страхования, а также свидетельство о рождении детей.

Если же Вы не сможете по какой-то причине посетить Пенсионный Фонд, нотариально заверенные документы отправляются по почте, либо оформляется доверенность на своего представителя.

Для получения  сертификата материнского капитала Вам необходимо иметь:

  • Паспорт или другой  документ, имеющий фотографию матери, указанное место ее жительства или временной регистрации (оригинал и 2 копии);
  • Заявление на установленном бланке (заполненное собственноручно);
  • Свидетельства о рождении других детей (оригинал плюс 2 копии);
  • Гражданство данного ребенка, родившегося после 1 января 2007 года, может  быть удостоверено либо:

- Штампом в свидетельстве паспортно-визовой службы о гражданстве;

- Указанием  в свидетельстве о гражданстве родителей ребенка;

- Вкладышем  в свидетельстве, подтверждающем  российское гражданство;

- Отметка в паспорте родителей, подтверждающая  российское гражданство.

В каких конкретно случаях Вам могут отказать в получении материнского сертификата? 

  • Если в Вашем заявлении указаны недостоверные данные;
  • В случае прекращения или отсутствие права на дополнительные средства государственной поддержки;
  • Если второй ребенок в семье не является гражданином России;
  • В случае лишения Вас родительских прав на первого ребенка;
  • В случае, когда семья уже получала сертификат о МК ранее.
Использование  материнского капитала 1

Использование материнского капитала 

На сегодняшний день средства материнского капитала Вы можете  использовать только в следующих, установленных законом целях:

  • вклад в образование одного или всех детей семьи, при этом данное учебное заведение обязано находиться на территории РФ и иметь подобающую лицензию;
  • инвестиция в улучшение жилищных условий или на приобретение жилья, находящегося на территории Российской Федерации;
  • вложение в пенсию матери, родившей или усыновившей второго и следующего ребёнка.

Средства материнского капитала по одному из выбранных направлений разрешается  направить не ранее, чем после достижения второго или последующего малыша трёх- летнего возраста.

При этом, Вы можете направить  средства материнского капитала на погашение действующих процентов по ипотеке или кредиту, не ожидая исполнения Вашему ребёнку трёх лет и в независимости  от времени  заключения кредитного договора.

Но необходимо учитывать, что наличных денег, в большинстве случаев, Вы получить не сможете.

Они будут перечислены непосредственно застройщику в случае, когда Вы адресуете средства на покупку жилья в новостройке; банку - в виде первоначального взноса или в счёт погашения процентов по Вашему кредиту (и по ипотечному в том числе), либо непосредственно на счёт школы  (вуза) или на Ваш пенсионный счёт.

Срок перевода средств, как правило, не превышает 2 месяцев с момента подачи заявления.

Использование  материнского капитала не предназначено для покупки бытовой техники, на приобретение автомобиля или на погашение кредитов. Эти деньги нельзя получить наличными или потратить на лечение.

Не обязательно тратить деньги единовременно, их можно тратить по частям  на ранее перечисленные цели. Оставшиеся средства будут индексироваться с учетом инфляции. Индексация материнского капитала происходит, как правило, ежегодно на полную сумму или на оставшуюся часть.

Данные денежные средства можно разделить. Например, часть из них использовать для  оплаты ипотеки, а другую – на образование Вашего ребенка.

Материнский сертификат нельзя ни обналичить, ни продать. Это персонально Ваш именной документ, и его  можно использовать только совместно со свидетельством об обязательном пенсионном страховании – а значит,  средства материнского капитала нельзя украсть.

Все способы обналичить материнский капитал являются незаконными, расцениваются как мошенничество и, соответственно,  преследуются по закону.

Исключения

  • Использование материнского капитала при смерти ребёнка.

В этом случае (смерть первого или следующего ребёнка) у Вас остаётся право использовать материнский капитал по общим правилам. То есть, не ранее чем по истечении трех лет после рождения следующего ребёнка.

  • Использование материнского капитала в случае лишения матери ее родительских прав.

В том случае, когда мать ребёнка лишили законных родительских прав (либо в случае её смерти). Ее право на распоряжение материнским капиталом передается  отцу ребёнка.

В том случае, когда он не установлен (либо он так же лишён родительских прав), средства материнского капитала поровну распределяются  между несовершеннолетними детьми.

До исполнения детям совершеннолетия данные  средства может использовать их опекун, правда  только с разрешения органов опеки и попечительства.

Срок действия закона о материнском капитале (в действующей редакции) заканчивается 31 декабря 2016 года. Однако готовится законопроект о его продлении до 31 декабря.

 

Видео на тему:

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