turns no more no less than 10 years!

During this time, the program has undergone many changes, but one thing has remained unchanged - this amount has quite seriously helped many families and has become a kind of impetus for a demographic rise.

Almost every year, the state indexes the capital, and currently it is 453,026 rubles.

However, one should take into account the fact that in 2017 there will be no indexation, therefore, from January 1 of next year, the amount will remain the same.

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Terms of use

As the law says mother capital can be cashed in the following:

Parents can also, equal to 25,000 rubles.

Legislative aspect of the use of funds in the first three years

In the seventh article 256 of the Federal Law, the terms of use of those funds that are intended for maternity capital are precisely indicated.

Here are following rules:

1. In the event that the mother of the baby is entitled to a certificate, then she can dispose of it only after 3 years have passed after adoption, or after the child has been born. In order to obtain a maternity certificate, you must submit documents to the Pension Fund.
2. In the event that the child's parents are deprived of their rights or have died, and the certificate has not been cashed during this time, then the right to it passes to the child. However, he will be able to use it only after he reaches the age of majority.

Cashing out features

In 2017, all maternity capital will operate the same rules that were valid in 2016. Namely:

Well, if we talk about the age of three, then, indeed, you can cash out capital only after the child is 3 years old. After this age, parents can spend the certificate on retirement for the mother and education for the children.

On what and under what conditions you can spend funds until the child is 3 years old

However, as the law says, the parents of a child under three years old still have the opportunity to spend the Maternity capital in 2017 on some goals... Among them:

1. One-time purposes for which you can receive 25,000 rubles (payments were issued under the same conditions in 2016).
2. , or repayment of a certain amount for the living space already taken.
3. Adaptation of children with.

In all of the above cases, parents have the right to spend the Maternity capital received for a child under three years old.

If we talk directly about the use of maternity capital up to three years for housing needs, then the situation is as follows:

• Purchase of housing under construction or already finished. According to Law 256, you can use the certificate after the child turns three years old, or purchase an apartment or, as well as to buy a room. This is under normal conditions. If you are going to take out real estate on credit, then you do not have to wait three years, but spend all or part of the amount when you want it.
• There is one more aspect related to maternity capital and housing. The certificate can be spent without waiting for the child to be three years old, in the event that your family has land obligations, for the fulfillment of which you are going to use the money. Moreover, it is important to understand that land obligations do not have to be mortgage. But! They should be sent for construction, reconstruction, as well as the acquisition of premises.

Thus, the family where the second child was born has many options for what capital can be spent on until the child is three years old.

Currently, there are many rumors about what it will be possible to spend the certificate in 2017 before the child turns three years old, here are just a few of them:

1. A car loan can be repaid with a certificate. In fact, such an option was considered in the State Duma, but was not supported.
2. Also, almost every year there is a rumor that the certificate is given not only for the second, but also for the first child. In fact, in 2017, a certificate will not be given for the first child, but the State Duma is also considering this option.
3. There was also a rumor that the state was not coping with payments and was planning to cancel the mother capital in 2017. It is not true. Moreover, the program is currently planned to be extended until 2025!
4. It was also planned at one time to allow in 2017 to pay for parental education with the help of maternity capital, but the bill was never adopted, although it is currently under consideration, and may come into force someday.

As you can see, there are many rumors, but you shouldn't believe all of them. In order to obtain complete information on the Maternal Material, you should contact the nearby Pension Fund, where you will be provided with the truthful conditions for the program and a complete list of documents.

The procedure for receiving funds in case of early use

In order to use the mother capital for up to three years next year, you should do the following:

As the law says, you do not have to use the full amount required by the certificate. For example, you can spend a third of the money, and leave the rest of the funds in order for them to be indexed in the future, if any.

List of documents to be provided

If you decide to take a home on a mortgage, or pay off the debt for housing with the help of maternity capital, then you will need to collect following documents:

You will also definitely need your personal documents, namely:

1. Passport not only of the mother, but also of the father (a photocopy is suitable);
2. Certificate for the provision of state aid (here you will need not only a photocopy, but also the original);
3. Birth certificates of all children in the family (here you will also need both originals and a photocopy).

All of the above documents must be submitted to the Pension Fund.

The use of funds until the child reaches the age of 3 is described in the following video: