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. Because maternal capital designed to quickly and significantly improve the living conditions of a family, it can only be spent on a few occasions. 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, she will be able to use maternity capital for this. Also, with the help of capital, you can repay, partially or completely, targeted loan, if it was taken to build a house or buy 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;

Another item was previously canceled - 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 status 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.

For more than ten years, the country has had a program called “Maternity Capital”. Many citizens have already been able to directly encounter it and appreciate all its advantages and disadvantages. Initially, maternity capital was aimed at improving the financial condition of a family that wants to have more than one child.

Maternity capital is designed to increase demographic situation countries. At the same time, it is impossible to receive the money that the state allocates for each family. A family that is eligible for government assistance submits a list of documents to Pension Fund, after which he receives a certificate.

It becomes confirmation that the family has received money into an individual bank account, the expenditure of which is controlled and regulated. Maternity capital can be used in parts; it is not necessary to spend the entire amount at one time. But most importantly, it can be difficult to find out how much is left in the capital balance

To do this, sometimes they turn to lawyers for help, since the Pension Fund itself cannot say exactly how much is in the account.

Many people might think about this simple solution, as an independent calculation of the balance in a bank account. Of course, if the family knows how much has been accrued and how much they have already spent, calculating the balance will not be difficult.

But it is worth noting that indexation occurs in the country every year material payments, including maternity capital. Therefore, if one part was spent in 2015, and the next part remained in the account until 2016, the size of the balance may increase, which causes difficulties when counting money.

To accurately calculate the remaining amount, you must seek help from employees. If a family doubts the amount of maternity capital balance, they can apply to calculate the amount that is at their disposal. To obtain a certificate, the family must provide a copy of the individual passport of the person for whom the certificate was issued, and a copy of the certificate itself.

Within a week you will receive a response at your place of residence, where the balance of maternity capital will be indicated. If there is little money left in the account, information about the balance may be refused. The most convenient option is to find out how much money is left for maternity capital, is an Internet resource.

By going to the Pension Fund website, you can see how much is left in the family’s maternity capital account. In this case, no certificate is issued; the family can simply find out how much money they can spend on their needs.

The remaining amount can be used for any important purchase or business. For example, improving living conditions or education.

Conditions for obtaining a certificate of the balance of funds on maternity capital

As was said, you can get it from the Pension Fund. Typically, such a procedure is needed for families who do not know how much they spent from the available money and what indexation occurred during the year.

A certificate of capital balance can be ordered by the person for whom the certificate was issued. Having a copy of your identification document and certificate with you, after 3-4 days you can receive a certificate confirming the remaining amount of capital.

Many experts advise families to save all reporting data on maternity capital money spent:

1. Firstly, this will allow you to calculate how much money was spent and how much is left.
2. Secondly, if there are any shortcomings in the balance of the amount, you can present evidence of the money spent.

Why do you need a certificate of maternity capital balance?

You need to understand that a certificate confirming the balance of money is required for presentation in some cases. For example:

• When applying for a loan or mortgage, if the balance allows you to make a down payment for them
• Paying your part for construction new apartment(new buildings)
• When building your own home
• If the balance is enough to pay for joining the cooperative
• If payment is possible in educational institutions
• If the owner of maternity capital decides to transfer the remaining amount to a pension for the mother

It is in all these cases that a person must provide a certificate indicating the balance of money on maternity capital.

Basically, if a person calculates all his expenses from , he can know exactly what his account balance is. But in any case, it will be difficult to calculate the amount of indexation and what amount must be paid in full, so ordering this certificate will not be superfluous.

It is also worth remembering that maternity capital does not imply the issuance of money in cash, so a certificate and a certificate of the balance of money will be assistants in completing any financial transaction.

Important explanations about maternity capital from PF employees in the video:

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Most in the best possible way time-consuming is the request for information via unified system electronic public services, available at gosuslugi.ru. To do this you will need to register on the website:

Step 1:

• Entering personal data in the field;
• Attaching scans of your passport and .

Step 2: verification of attached documents by government agencies and approval to receive a standard package of services (allows you to perform a fairly wide range of manipulations on the resource, but with the need for personal visits to the authorities of interest).

Step 3: Identity confirmation in one of the following ways:

• Personal visit to one of the government agencies and account activation;
• Get identification code postal service;
• ID confirmation electronic signature or a specialized electronic card.

Let's move on to the question of how find out the balance of maternity capital through government services:

1. Go to the “All services” tab at the top of the screen;
2. In “Authorities”, select the structural unit “PFR”;
3. Select a service for providing an extract by social assistance;
4. The system will automatically take the user to a page where they need to fill out the form. It will require you to provide:
5. Personal data;
6. Contact information;
7. In the pop-up window, select “Find out the balance of maternity capital” and dial the certificate number;
8. Select a method for obtaining data.

Available options:

• By e-mail;
• To phone via SMS;
• In the form of a letter via Russian Post.

In the first two cases, the information will be presented in a form that allows you to obtain the required data, but cannot be provided in an official form (for example, to a bank). If you need an official certificate about the balance of maternity capital, it is recommended to order a communication method via Post.

Important! If on account less than 30 rubles, then no official certificate will be provided.

The period for receiving information ranges from 15 days to 1 month.

Find out the balance in the Pension Fund

Maternity capital is under the control of the Pension Fund, so you need to obtain any information about it at the territorial branch of the Pension Fund.

Find out the balance of maternity capital by certificate number possible in any branch of the Pension Fund of Russia. If the owner has changed his place of residence, then at the place of his new residence he will make a request to the department that issued the document. This may slow down the process of obtaining information, but is not a barrier to receiving this type of service. You can pick up the necessary certificate at the branch at your new place of residence.

Find out the balance maternity capital online available in at es.pfrf.ru. No need to login additional registration– the site requires a login and password from the public services system.

Information about your account status can be viewed online, as well as:

• In the form of an extract by email;
• In the form of an official certificate. In the “Electronic Services” section, select “Order Certificates”. After filling out the form, the document can be picked up after 3 days at the territorial office of the Pension Fund upon presentation of a passport.

You can obtain information by contacting the Pension Fund. It can be done:

1. By registered mail. In this situation, the answer can also be received in the form of correspondence. This must be indicated in the application;
2. Personal visit.

You must provide:

• Application for obtaining information (certificate) about the status of the maternity capital certificate account;
• Passport and certificate (copies).

Certificate holders or persons who are entitled to receive information have the right to receive information. this right transferred on the basis of a power of attorney.

For a personal visit to the Pension Fund of Russia, a certificate issued on the day of application, that is, this is the fastest option for obtaining official confirmation of the amount on the certificate. This applies to situations where information is requested from the same branch in which the document was issued.

Example for maternity capital balance

In 2010, the Ivanov family became the owner of a certificate for family capital. Its amount at the time of receipt was 343,378 rubles. In 2012, it was decided to use the funds to purchase an apartment. By this time, the capital was indexed twice by 6.5% and 6% and reached the level of 387,640 rubles. The family spent 350 thousand, and balance of 37,640 rubles remained on the certificate account.

Let's calculate how much this amount has increased by the time of 2016, when indexing was cancelled:

• In 2013, the indexation rate was 5.5%. The total amount is 39,710.20 rubles.
• In 2014, indexation was 5%. The amount in the account is 41,695.71 rubles.
• In 2015, maternity capital was indexed by 5.5%. The total amount is 43,988.90 rubles.

Thus, over 3 years of indexation, the remaining capital of the Ivanovs increased by 6,348.90 rubles.

The most popular questions and answers regarding maternity capital balance

Question: I am the owner of a maternal capital certificate; I received it in 2008. In 2011, part of the funds was used to pay off the mortgage. I know the size of the balance for 2011 for sure - I have a certificate from the Pension Office. I want to know what the current size is, but I don’t have the opportunity to go to the branch, and I can’t use the government services website. Found it on the net capital balance calculator for calculations. How accurate is it?

Answer: Indeed, the virtual network represents a significant number of different calculators. Their action is based on the timing of receipt of capital, its expenditure and information on the size of indexation by year. Such calculations, in principle, will be correct, but cannot be used by you for official confirmation amount on the certificate.

We recommend sending your request to the Pension Fund by registered mail, attaching an application and copies of your ID and certificate. Don't forget to include your mailing address in your application to receive the certificate.

Many owners of maternity capital, directing MSC funds to one or another target area permitted Russian legislation, do not spend the entire allocated amount at once state support families. As a result, they are left with an unspent balance of maternity capital, which they can also spend on areas specified by law.

Most of the questions related to the balance of maternity capital concern the amount of unspent balance and possible options use of this amount allocated as part of government funding.

The fact is that the MSC funds allocated by the state, including the unused balance of state support for families with children, are indexed annually based on the official level of inflation that has occurred in the country, and, accordingly, the amount of the unspent balance will change annually. It is especially difficult to independently calculate the balance of due Money, if maternity capital was used in parts several times at different times.

Many certificate holders also have questions regarding the procedure and areas permitted by the legislator for spending the remaining funds. If, upon receiving the MSK certificate, most owners already know how and where the legislator allows the financial resources allocated to the family to be used, then there are many misconceptions associated with the issue of the unused balance. For example, many citizens believe, due to lack of legal knowledge, that the remaining amount family capital can be obtained from the territorial Pension Fund in cash.

This article will discuss in detail how to determine the amount of unspent MSC balance, taking into account annual indexation and spend previously unused government support funds.

How to find out the unspent balance of the MSK certificate?

All information about the owners of maternity capital, spent and remaining funds under MSK certificates is contained in full in the information base of the Russian Pension Fund.

Every year, no later than September 1, employees of the territorial branches of the Pension Fund notify in writing the owners of the MSK certificate, as well as persons who have not yet received the corresponding certificate, but who by force of law have the right to apply for government funding within the framework of the “maternity capital” program, about the size and amount of residual MSC funds.

The Russian Pension Fund is obliged to notify the following categories of persons about unused family capital funds and their specific amount:

• Russian citizens who have not yet exercised their rights to dispose of family capital in full or in part;
• citizens who have succeeded in in the prescribed manner dispose of the received MSK certificate, which is confirmed by information from the federal register, in which Pension Fund employees keep records of persons entitled to additional financial state support;
• citizens who have previously used part of the MSC funds and have an unspent balance of family capital in an amount exceeding 30 rubles.

If the owner of the MSK intends to personally find out the amount of the unused balance of financing under the MSK certificate, he can obtain a certificate of the remaining amount of family capital in the regional division of the Russian Pension Fund, relating to the place of residence of the holder of the relevant certificate.

A certificate of balance, for example, may be required when a citizen who has a family capital certificate registers a mortgage with a credit institution, if it is intended to use unspent MSC funds for an initial fee. To obtain such a certificate about the balance of government funding within the framework of the “maternity capital” program, the owner of the certificate must present the MSC certificate and identity card to the Pension Fund of Russia employees, and also write a written application.

The requested certificate of the unspent balance of maternity capital must be issued by the Pension Fund within a three-day period.

How and where to spend the remaining funds on the MSK certificate?

Let us immediately note that this is not possible, so receiving the unspent balance public funds It is not possible to use the MSK certificate in cash. Previously, it was allowed as an anti-crisis measure to receive cash payment from maternity capital funds, when the remaining funds did not exceed 12,000 rubles. However, this anti-crisis measure was last in effect only in 2010, and currently the law does not allow payments for the balance of maternity capital in cash. Now the specified anti-crisis temporary support measure, established in 2010 for families owning MSK, is no longer valid.

All funds of family capital allocated by the state, regardless of the intended volume of use (in whole or in part), are strictly taken into account by authorized state structures. That is why the allocated financial resources should be directed by the holders of the MSK certificate only for the purposes strictly specified by the legislator.

Legal regulation of all legal relationships related to the expenditure of any part of maternity capital is carried out based on the provisions Russian Law“On additional measures of state support for families with children.” According to the said legal act (Article 7 of the said Federal Law) families holding an MSK certificate have the right to dispose of the financial resources of the family capital in parts or use them in full in strictly designated areas, namely:

• persons owning family capital;
• for payment by the owner of the MSK (child);
• for the formation of a funded part of a labor pension by a woman who has received the appropriate MSK certificate.

The law allows for the direction of government funding allocated Russian families with children according to the MSK certificate, simultaneously in several of the above target areas. Accordingly, the unspent balance of finances from family capital can be directed to one or more of these areas.

The balance of government funding allocated under the MSK certificate can be requested in the same place where the owner of the family capital initially applied, that is, to the same division of the Russian Pension Fund. The procedure and the process of disposing of residual funds under the MSM certificate are no different from general order, used previously, when the owner of family capital initially applied to the regional Pension Fund.

To send unspent balance financial resources MSC allocated by the state, for the permitted purpose, the certificate holder must submit the following documents to the Pension Fund office:

1. Statement;
2. Identification;
3. Marriage and birth certificates;
4. SNILS;
5. Documentation confirming intended use funds (it is better to find out the exact list of documents depending on the direction of spending MSC funds from the Pension Fund employees);
6. Other documents at the request of the Pension Fund. For example, when a family sends funds allocated by the state to the MSK for the purchase of an apartment using mortgage funds, a loan agreement, a certificate of the balance of the debt of the owner of the MSK to credit institution, a notarial obligation to allocate shares to all children of the owner of the MSK and his spouse after paying off the mortgage and removing the encumbrance from the apartment.

Detailed information can be found in any division of the Pension Fund.

Within a specified period, the owner of the MSK will receive a notification from the Pension Fund employees with a positive or negative decision on the allocation of previously unspent financial resources of the family capital for the stated purposes. If the stated requirements are approved, the transfer of the remaining funds (or again part of the funds) of the family capital is made, in accordance with legal requirements, by the Russian Pension Fund no later than a two-month period from the date the Pension Fund of Russia employee accepted the corresponding application from the owner of the MSK certificate.

There are a number of ways that allow you to view the balance in your maternity capital account as of a specific date. You can learn about these methods in this article.

It is worth noting that such a concept as maternity capital, as a form of providing state assistance to increase the birth rate of the population, has existed since 2007.

Over all these years of existence of payments, citizens have the same question, how much money will they be able to receive after receiving a certificate for assistance.

To know the answers to all these questions, citizens must order information from the Pension Fund, which will contain a certificate about the amount of funds in the account.

Citizens will still have to provide such information in the future.

And this is done in such cases:

• To obtain a mortgage, a citizen will need a certificate when applying for a loan or when signing the agreement itself. In this case, the deposit amount can be used as a down payment;
• to build a residential building. This also includes such construction at the expense of a mortgage. Thus, information about the balance of funds will make it possible to correctly make calculations and calculate the cost of construction in the total amount;
• to use the certificate to pay for your child’s education. This calculation of funds makes it possible to quickly calculate how much money, in general, is needed for payment and divide the capital into certain parts, according to which payments for training will be made;
• there may also be other cases when you directly need to know and take into account the total amount of capital and, according to it, make some calculations;

It is worth noting that to issue a certificate to display a personal state aid account, a standard certificate is used, which has a typical form approved by the legislation of the country.

Such a certificate has the following details:

• Full name of the applicant who directly has the right to maternity capital;
• SNILS number. This number is some kind of identifier in pension system, which allows you to quickly find everything about the amount of benefits and information about the recipient’s account. With this number, such information is made in a matter of minutes;
• the amount of assistance itself;
• information about the transfer of payments that were paid at a time is indicated;
• information about unused funds, as well as the amount of funds still available in accounts. It is from this information that the user can understand how much funds he has left and for what purposes he can use the remaining capital;
• signature of the person who is a government employee. Such a person is responsible for the data provided in the certificate;
• date of receipt of the certificate. Such a date is not unlimited, and has certain period actions. To find out how long the certificate will be valid, you need to refer to Federal Law No. 256. Such a line should not exceed more than 30 days from the date of issue of the certificate.

Attention! If the user directly receives such a certificate, then this can be considered integral evidence of receipt of maternity capital and recognition of the applicant’s property rights.

If you contact the Russian Pension Fund directly, the certificate will be issued in about 3 days.

How documents are processed

Only citizens who directly have the right to do so can submit a written application to the Pension Fund.

SoFirst you need to collect a list of documents, which include:

• original passport of the citizen who submits the application;
• SNILS;
• for children, you need to submit a birth certificate;
• Next, you need to provide confirmation that the money was used for legal purposes. An example of such confirmation could be a training contract and so on.

There are several public methods you can use to get help:

• if you go directly to the Pension Fund for the citizen’s place of residence;
• through the MFC, by using their services;
• through the state portal State Services;
• through the main website of the Pension Fund and after sending documents to them by mail.

You don't always need to contact government bodies to receive information about your account. If such a certificate is not needed by other authorities, then the calculation can be easily done independently.

Attention! To calculate the amount of capital yourself, you need to multiply the initial amount of state assistance, which is specified in the legislation, by the indexation coefficient. It is worth noting that this coefficient is produced every year, except for the last 2 years.

Working with the State Services portal

Checking your account balance through State Services is one of the simple ways account checks. First, you need to be logged in to the portal and have your password and login.

In the menu, go to the service catalog and select the “Pension, benefits and benefits” section. In this section you need to select the category “Extract on social assistance provided.”

A list of services will immediately be provided, but for further work you need to select electronic services. In the end, you need to “receive a service.”

The citizen will be presented with fields that must be memorized independently.

Some data will be specified automatically, since at the beginning of registration the user had to fill them out; if they are filled in incorrectly, then the data needs to be changed.

Once the data has been verified, you need to indicate the topic - the balance of maternity capital. After the application has been completed, you can receive electronic service within 15-30 days, everything will depend on the speed of the server.

The disadvantage of this method of obtaining information about the balance on the maternity capital account is that you need to wait quite a long time, but if you can wait to receive such information, then this method is quite convenient.

How to find out your account status through the Pension Fund website

Another popular way through which you can quickly find out information about your account is the official website of the Pension Fund.

To start working with the portal, you will need to go to Personal Area user.

For those who are unfamiliar with such a long and scary name, you can go through authorization simply through the State Services portal. You just need a login and password for this portal, and confirm your login to the PF.

After logging into your personal account, you need to select the “Maternity Capital” section. Then you need to click the “Get information about the amount of maternity capital” button.

It is worth noting that this procedure for obtaining information is the fastest, since in just a few minutes the user can find out about the capital balance, as well as find out all the necessary information about the amount of this state assistance.