Fraud using maternity capital

What can you use maternity capital for?

Maternity capital funds require their intended use. With any method of spending, first of all, the interests of the child (all children in the family) must be respected. Full or partial use of funds for the following needs is allowed:

• Education of children - the child must not be more than 25 years old, and the educational institution must have the appropriate license and be located on the territory of the Russian Federation.
• Improving living conditions.
• Formation of the funded part of pension benefits.
• Purchasing goods and services aimed at the social adaptation of disabled children.
• Registration of a monthly payment - for this, the family must meet certain legal requirements.

With the exception of the last item in the list, the maternal certificate is used in non-cash form. Any form of certificate cashing is considered illegal. For example, if a parent (legal representative) applies for reimbursement for purchasing goods for a disabled child, documents confirming the expenses incurred are attached to the application.

After what period can maternity capital funds be spent?

An application for the use of funds for their intended purpose is submitted at any time, 3 years after the birth of the child for whom the certificate was received. This rule applies to all areas of use of funds, with the exception of the following:

• Improving housing conditions - purchasing or constructing residential premises, paying a down payment or interest on a mortgage loan, repaying the principal debt on housing loans.
• Purchasing goods and using services aimed at the social adaptation of disabled children.
• Covering the costs of preschool education.
• Registration of the right to receive monthly payments from maternity capital funds.

In these areas, an application can be submitted at any time, regardless of the child’s age. For all other options for using funds, the minimum age of the child is 3 years.

What do women desire?

Despite the fact that there are five ways to use a maternal certificate, they are not suitable for all residents of Crimea. Crimeans turn to the Pension Fund with questions about whether it is possible to use maternity capital funds to buy a car, repair a home, supply gas, water, or treat children, the Pension Fund said.

“There are no additions or changes in this regard,” said Olga Gureeva.

In a conversation with ForPost, Crimean mothers with many children also said that it would be nice to allow the mother to use maternity capital for education, which would help her find a better job or open her own business, and therefore contribute to the growth of the family’s well-being.

How to receive money from maternity capital monthly

One of the areas for using maternity capital funds is the preparation of monthly payments. This right of parents is enshrined in Art. 1 Federal Law “On monthly payments to families with children.”

This means that, along with all other government support measures, the family can receive additional cash support from the amount of maternity capital. The funds are used for other purposes, but within the meaning of the legislative amendments, the money should be spent on the needs of children and the family as a whole. Families that meet the following criteria have a similar right:

• The second child was born/adopted no earlier than January 1, 2018.
• Family income - average per capita income at the time of application should not be higher than 2 subsistence minimums.

Monthly payments from maternity capital funds are made within 3 years from the date of birth of the child for whom the certificate was received. The amount of payments is equal to the amount of the current subsistence minimum established for children.

What documents are needed to receive payments from maternity capital?

Payments are assigned on an application basis. This means that the owner of the certificate must take certain actions to exercise this right. The following documents will be required:

• The application is drawn up strictly on the spot.
• Applicant's passport.
• Documents confirming the birth/adoption of children.
• Certificate of state registration of marriage.
• Information about total family income.
• Certificate from the military commissariat - for parents liable for military service.
• Details of an account opened with any credit institution in the Russian Federation - for transferring monthly payments.

Documents are submitted to the territorial bodies of the Pension Fund or the regional branch of “My Documents”. The application review period is 1 month. In case of a positive decision by the authorized bodies, the payment period will be valid for one year. A year later, the application with documents is submitted again.

How to find out how much is left in the certificate account

The exact amount of monthly payments is calculated when considering the application. For families with the same number of children, the amount is assigned in the same amount. With each subsequent payment, the balance of funds in the maternity capital account decreases.

You can calculate the remaining amount yourself. To do this, it is enough to add up all the payments received and subtract this amount from the initial amount of maternity capital. The following options for obtaining this information are also provided:

• Using services on the official website of the Pension Fund.
• Personal appeal to the regional branch of the Russian Pension Fund.

When requesting information in person, you will need to prepare a package of documents. It includes: passport of a citizen of the Russian Federation (for the applicant), SNILS, number of the certificate for maternity capital. SNILS and certificate number will be required to fill out the application. In any case of requesting a certificate of balance, its readiness occurs within 5 working days from the date of submission of the application.

Who can receive maternity capital?

The certificate can be obtained by:

• a Russian citizen who gave birth to or adopted a child;
• a man who raises a child on his own;
• a child under 18 years of age or a full-time student (if he is under 23 years of age).

How to apply?

In 2021, registration of maternity capital occurs automatically: readiness will be notified through the State Services portal or in your personal account on the Pension Fund website. Simply put, now nothing is required from young parents; the state will do everything for you.

Starting from 2021, the period for issuing a certificate has been shortened: the procedure will now take 5 days instead of 15. The period for reviewing an application for the disposal of capital funds has also been reduced to 10 days.

How to withdraw 20 thousand from maternity capital

For the first time, the right to withdraw 20,000 rubles from maternity capital was introduced by the Government in 2015. Families experiencing financial difficulties could apply for a one-time payment.

In 2021, this social support measure was extended in terms of validity, and the amount was increased to 25,000 rubles. The application for payment must be submitted no later than November 30, 2021. And the program itself was valid until December 31, 2021.

This means that lump sum payments from maternity capital are no longer paid in Russia. The use of the certificate is permitted only in the areas described above. All other options are considered illegal.

Information sources:

• Federal Law “On Additional Measures of State Support for Families with Children” (latest edition) - link.
• Federal Law “On monthly payments to families with children” (latest edition) - link.

about the author

Irina Rusanova - higher education at the International East European University in the direction of "Banking". Graduated with honors from the Russian Economic Institute named after G.V. Plekhanov with a major in Finance and Credit. Ten years of experience in leading Russian banks: Alfa-Bank, Renaissance Credit, Home Credit Bank, Delta Credit, ATB, Svyaznoy (closed). He is an analyst and expert of the Brobank service on banking and financial stability. [email protected]

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What benefits do large families have in Crimea?

According to the laws of the Russian Federation, a large family means a family with at least three minor children.

Since joining Russia, residents of Crimea have received the right to the following benefits for large families:

1. Housing benefits: 50% discount on utility bills;
2. Discount for installing a landline telephone;
3. Extraordinary receipt of an apartment or house from the housing stock of the family’s region of residence.

However, to use all of these benefits, it is necessary to confirm the status of a large family with the Department of Social Protection of the Population, in whose subordinate territory the family lives. To do this you will need to collect the following documents:

1. Passport of each parent;
2. Certificate of family composition;
3. Birth certificate for each child;
4. Receipts for payment of utilities to confirm that the family has no debts for the apartment.

Only after receiving a special document will the family be able to use all these benefits. In addition, if legislation releases new programs and defines new benefits for families, they will be able to receive them automatically, because All documents will already be in their hands.

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Author of the article Irina Rusanova

Consultant, author Popovich Anna

Financial author Olga Pikhotskaya

Responsibility for illegal withdrawal of funds

There are 2 types of liability for illegal actions of MK certificate holders:

1. Loss of the right to use a support measure in the event of detection of dishonest illegal actions to cash it out.
2. Criminal liability for committing fraudulent acts.

The second type of liability has not yet been applied in practice by the majority of practicing lawyers and advocates on the part of the state. But given the existing norm of the Criminal Code, you should not tempt fate and resort to unreasonable risks.