Why do you need a certificate about the balance of maternity capital? How and where to check the balance of maternity capital? How to obtain information about the capital balance in the Pension Fund
The Pension Fund of the Russian Federation continues to expand electronic services for citizens, both in terms of informing them and in terms of providing government services that make a visit to the territorial office of the Pension Fund optional.
All services provided by the Pension Fund in electronic form are combined into a single portal “Electronic Services” on the website of the Pension Fund of the Russian Federation at the address: https://es.site.
For the convenience of citizens, the portal is structured into three sections:
1. Personal account of the insured person;
2. Payer’s personal account;
3. Electronic services without registration.
In the “Electronic services without registration” section, you can make an appointment with a specialist or order a document, including a “Certificate of the amount of maternity (family) capital.” At the same time, residents of Tomsk must receive a certificate certified in the prescribed manner after 3 days from the Pension Fund Office in Tomsk at the address: Tomsk, st. Gagarina, 27.
The section “Personal Account of the Insured Person” is structured by the types of services received (Pensions, Social benefits, Maternity (family) capital). We remind you that access to the Personal Account of the insured person is available to citizens who have confirmed their account on the Unified Portal of State Services.
For holders of a certificate for maternity capital, the following services are provided in the Personal Account of the insured person in the section “Maternity (family) capital”:
- Submit an application for a state certificate for maternity (family) capital;
- Submit an application for disposal of maternal (family) capital funds;
- Obtain information about the amount (balance) of maternity capital;
- Order a certificate about the amount (balance) of maternity capital.
Two services are currently available for residents of the Tomsk region: “Get information on the amount (balance) of maternity capital” and “Order a certificate on the amount (balance) of maternity capital.” These services allow you to instantly obtain information about the balance of maternity capital and detailed information about the exercise of the right to maternity (family) capital. At the same time, it should be noted that the certificate is for informational purposes only and cannot be presented as a document to state and municipal authorities, as well as other institutions and organizations to receive any services.
The services “Submit an application for a state certificate for maternal (family) capital” and “Submit an application for the disposal of maternal (family) capital” are operating in a pilot project and are available to residents of the following regions: Belgorod region, Volgograd region, Irkutsk region, Kemerovo region , Krasnoyarsk Territory, Republic of Buryatia, Republic of Tatarstan, Udmurt Republic.
Almost ten years ago, the Russian authorities introduced a program to support families with children, “Maternity Capital”. The project was aimed at stimulating the birth rate in the country, creating guarantees for couples who, due to financial difficulties, were afraid to have a second child. The benefit amount is high, so you can spend the funds in parts. In this regard, Russians are interested in how to find out the balance of maternity capital?
It is impossible to receive money in your hands. The authorities strictly control the direction in which the funds are used, so families receive a personal certificate giving them the right to manage the benefits. The Pension Fund is responsible for issuing the document for the sale of funds, where you can get answers to general questions by calling the hotline. However, it is impossible to find out from the Pension Fund what the balance of maternity capital is. An experienced lawyer will help you calculate how much benefit money is left at the family’s disposal.
The size of maternity capital and its indexation
Original size mat. capital amounted to 250 thousand rubles. This was a very large amount. However, the authorities understood that given inflation, the funds would very quickly lose their significance. Therefore, indexation of payments was introduced. In 2019, citizens can receive 453 thousand.
The last indexation was carried out at the beginning of 2015. Then the family capital rate was increased by 5.5%. The project was scheduled to close in 2019, but the effectiveness of the program forced the government to extend it for another two years. Due to the PFR budget deficit, indexation was not carried out this year. According to experts, the next recalculation is scheduled for 2019, and in the last year of the project, the amount of benefits will exceed the half-million mark.
Everyone knows that maternity capital can be divided into parts when allocating funds to necessary needs.
For this reason, the question is often how to find out how much money is left on the balance?
Moreover, sometimes you need to use a certificate that confirms the presence of money on the maternity capital balance sheet.
Let us consider in more detail the question of how it can be obtained.
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- by means of a personal appeal to the Pension Fund;
- via the Internet (using the State Services portal, or using online calculators);
- independently (by personal payment).
It is enough to choose the most suitable option for yourself.
A certificate of the remaining balance on maternity capital is an official document that is necessary for the owner of the certificate to present it at any institution.
In particular, a certificate must be presented
By and large, any owner of maternity capital has the right to independently calculate the balance of funds on the balance sheet. But at the same time, it is necessary to remember one nuance: it is very difficult to determine the amount of indexation and the amount that has already been paid. For this reason, it would be logical to issue a certificate for yourself regarding the balance of funds.
At the same time, it is necessary to remember that the certificate issued by the employees of the Pension Fund valid for 30 calendar days.
Personal appeal to the Pension Fund of Russia
This option for obtaining the necessary certificate is considered the most popular only because the entire procedure is carried out in real time.
To get help this way necessary
- Collect the necessary list of documents.
- Contact the appropriate authority.
- Submit documents.
- Get a certificate.
To obtain a certificate of maternity capital balance, you must contact to the territorial department of the Pension Fund of the Russian Federation at your place of residence.
Need to prepare list of such documentation
- original passport of the owner of maternity capital;
- child's birth certificate;
- a certificate that confirms the presence of maternity capital;
- a statement that is drawn up jointly with PF employees.
Based on the submitted documents, the applicant is provided with a certificate. It is worth noting that her issuance is free.
An equally popular way to obtain the necessary information is to use the services of the Russian Post.
To use this option, you will need to go to the official portal of the Pension Fund on the Internet. Moreover, for citizens who do not have registration on the State Services portal, this option will not be possible, since due to the legislative acts of the Russian Federation “On the Protection of Personal Information”, without a personal account on the State Services website it will be impossible to obtain the necessary access.
Myself algorithm for obtaining help is as follows
Speaking about when it will be possible to receive this document, the maximum period is unknown. After an application for a certificate has been submitted, PF employees are required to send a registered letter with a certificate to the specified address within the first 3 days. However, as you know, a letter can take a week or more to arrive by mail, so the maximum period of receipt depends on the speed of the postmen.
I would like to note that, according to the Pension Fund employees themselves, this possibility of ordering a certificate (through the official portal) is being carried out in test mode, and today there may still be malfunctions in the system.
Herself procedure is as follows
It should be noted that the certificate can be issued in electronic form (in .pdf format) or by mail.
Regardless of the method of obtaining a certificate, any procedure is absolutely free and any attempt to demand any financial sum from the applicant is a criminal offence.
To learn about receiving part of the maternity capital funds, see the following video.
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Changes in the state program “Maternity Capital” in 2017
Changes in the Maternity Capital program in 2016–2017
Indexation of the amount of payments under the Maternity Capital program
Mortgage lending using maternity capital funds
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Maternity capital can solve many problems for a family with several children, but it is important to manage them correctly. There are several areas where this payment can be directed that can greatly improve a family's life. And for the convenience of using money, you may need a certificate of the balance of maternity capital.
The fact is that the Pension Fund, which is responsible for providing maternity capital to families, does not limit them to investing money in one direction. Families can spend only part of the money or spend half the capital on one business and half on another. There is no prohibition on dividing maternity capital into shares; you just need to choose one of the possible directions. Since maternity capital is designed to quickly and significantly improve the living conditions of the family, it can be spent only in a few cases. This cannot be the purchase of a car or land, since these purchases cannot quickly and reliably help children and parents in all cases. These points should be adhered to:
- Expenses associated with the purchase, renovation or construction of a home. The most popular and important option. If a family wants to exchange apartments or restore a private house, they will be able to use maternity capital for this. Also, with the help of capital, you can repay, partially or fully, a targeted loan, if it was taken out for the construction of a house or the purchase of an apartment;
- Mother's pension. Another opportunity that can ensure a calm and stable future. Maternity capital can be placed as a funded part of a pension, and after that the mother will receive additional interest;
- Education. This item can also be covered by maternity capital, including tuition and dormitory fees;
- Help for a disabled child. Maternity capital can be used to cover the cost of purchases and services for a disabled child;
Previously, another item was canceled - a lump sum payment for the daily needs of the family. Later it is planned to restore this direction.
When part of the maternity capital has already been spent, the family may think about the possibility of using the remaining funds. To do this, it would be better to obtain a certificate of the balance of maternity capital.
Certificate of maternity capital funds
The question may arise whether a certificate of maternity capital status is really necessary. Since the family knows the amount indicated in the certificate, and also knows how much maternity capital has been spent, then why not independently calculate how much money is left. It would be easier. And at the same time it is much less beneficial for the family.
The fact is that the amount of maternity capital changes annually. If the amount remained the same for ten years, taking into account rising prices and inflation, assistance to families would decrease annually. To prevent this from happening, maternity capital is indexed. Therefore, the initial amount of maternity capital increased from 250,000 rubles to 453,026 rubles.
When a family uses one part of maternity capital and leaves the second for a while, the balance grows taking into account all changes in the law of maternity capital. To calculate the correct balance amount, special calculations are required, which are carried out by specialists of the Pension Fund. If necessary, families can order this certificate. To do this, you will need to contact the Pension Fund.
You will need to present copies of your passport and maternity capital certificate, after which within three days the certificate will be prepared and handed over to the requester. Typically, the response will be delivered directly to the family's residence. It is important to note that a certificate of maternity capital will not be issued if the account balance is less than 30 rubles.
Another way to get a certificate of maternity capital is to do it online. There is such a service on the Pension Fund website. This is simpler, but it is worth considering that such a certificate cannot be used as a document; it is for informational purposes only.