2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Starting from 2007, the state has improved funding for young families with two or more natural or adopted children. Initial assistance amounted to a quarter of a million rubles, taking into account inflation in 2014, a certificate is issued in the amount of 420,000 rubles. Absolutely all families with a second or subsequent child born after January 1, 2007 can apply for state assistance, this program also applies to adopted children. That is why parents are wondering how they cash out maternity capital.
How to get financial assistance from the government?
It is not necessary to run after the money immediately after the birth of the child, anyway, they can be used when the baby is 3 years old. No one will take away the right to receive assistance from parents, so funds can be received at any convenient time. The Pension Fund of the Russian Federation is responsible for the implementation of the program, its representatives will tell you in detail how maternity capital is cashed out.
To obtain a certificate confirming the right to state material assistance, it is necessary to collect documents: a birth certificate for all children, a mother's passport, a certificate of compulsory pension insurance, a court decision on adoption. Then you need to contact the PF at the place of registration and write an application according to the established model. Only photocopies of documents are given to the body. The certificate will be available in a month.
Main ways to receive money
Not knowing how maternity capital is cashed out, many irresponsible parents fall for the bait of scammers. It should be remembered: it is possible to legally use state aid only by non-cash payments. Every year the law is amended, and there are more methods of using maternity capital. To date, most often the certificate is used to improve the living conditions of the family. Parents can buy a home, build their own, take part in shared construction, reconstruct, pay a mortgage loan or interest on it.
Maternity capital can be used to pay for the higher education of any child in the family, additional education in institutions with a certain license, municipal and state schools or kindergartens. The certificate can also be used to increase the funded part of the mother's pension, it is also allowed to contribute money to private pension funds. The issue of the possibility of obtaining higher education at the expense of state assistance is also being considered.mother.
Which banks cash out maternity capital?
There are many banking institutions in Russia that accept certificates as payment for mortgage loans. In search of opportunities, how and where to cash out maternity capital, some parents fall into the networks of scammers, while losing at least a third of the money, and as a maximum - all the funds. The state does not provide for the issuance of cash that could be spent on food or clothing, so you should not be led by dishonest businessmen.
PF employees will tell you how to cash out maternity capital legally. If the family needs to improve their living conditions, then for a loan with its subsequent repayment of state assistance, you can apply to the following banks:
- Sberbank - issues loans for 30 years at 14% per annum, works with ready-made buildings.
- DeltaCredit - provides home loans with a down payment of 5%.
- VTB24 - issues loans for 50 years at 11% per annum. Maternity capital can be made as a down payment.
Also profitable loan products are offered by the Bank of Moscow, Primsotsbank, UniCredit, Nomos Bank.
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