Let us remind you that a target program has been operating in the region since 2005 "Development of mortgage housing lending in the Kurgan region". This program provided subsidies at the birth of each child to repay mortgage loan . The regional subsidy program has really contributed to demographic growth in the Kurgan region, since it provided young families financial assistance in solving the housing issue.
"We, when purchasing housing, within the framework mortgage lending, were confident that upon the birth of their second child, the funds would be used to partially repay credit debt, which would provide the opportunity to allocate more money to provide for children,” says the author of the petition Dmitry Dubrovin.
Subsequently adopted changes began to provide for the provision of a regional subsidy only at the birth of the first child. Moreover, the changes were adopted unexpectedly for everyone, without informing anyone, says the author of the petition.
“We were presented with a fait accompli. If the government of the Kurgan region had informed us in advance, families would have planned their pregnancies differently, as well as family budget, or would not participate in this program at all. For this reason, most families find themselves in difficult life situations. And don’t think that we are having children because of subsidies. We give birth for ourselves. A family without children is not a complete family. And we, parents, strive for us and our children to have our own roof over our heads,” adds Dubrovin.
The changes contradict the most target program on the development of mortgage housing lending in the Kurgan region, which was designed for 2011-2015. Accepted long term duties subsidies were supposed to cover the entire year 2015, which is what many families were counting on. The program itself did not provide for the possibility of adjusting its duration towards reduction.
“When we contacted the Main Department of Education after the birth of a child, we were initially refused to accept documents, citing changes that had been made. But for some reason, the “selected” who also had a second child in 2015 were able to obtain the right to receive a subsidy. We only we ask for what we are entitled to, but have not received,” program participants report.
It should be noted that in addition to the petition, initiative group also sent a letter with a similar request to the President of the Russian Federation Vladimir Putin. About 500 people signed the appeal. Additionally, a group of citizens files a class action lawsuit against the regional government.
The other day the issue was discussed in the regional Duma. MP Boris Shalyutin I asked at a meeting of one of the committees whether the issue of paying regional maternity capital was being resolved. However, specifics on the timing from the speaker Dmitry Frolov I didn’t hear any response.
How to receive and spend regional mat capital in 2019? What is the amount of regional payments at the birth of a child? Is it possible to legally cash out regional family capital in Moscow?
Welcome to the site “HeatherBober.ru”! You are welcomed again by Eduard Stembolsky, economist and regular site expert.
We continue our selection of articles on maternity capital. The topic of the new publication is regional family capital, its acquisition and use.
The material will be of interest to all parents who are having a second, third or subsequent child, as well as families who are just planning to have children.
Friends, we are starting!
1. What is regional maternity capital
Parents (citizens of Russia) who gave birth or adopted a second or subsequent child later than 01/01/2007 are entitled to receive state support at the federal level.
The benefit amount is 453,026 rubles. The amount is not issued in person and can only be spent on specific needs..
Step 2. Submitting an application
The application is drawn up in accordance with in the prescribed form. It is important to provide complete and reliable information regarding family composition, place of residence and registration, and the applicant’s status.
The application is submitted along with copies of documents. The signatures on the application must belong directly to the person to whom the personal certificate is issued.
Step 3. Waiting for a decision and receiving a certificate
Verifying the authenticity of documents and facts provided by the applicant takes an average of 3-4 weeks.
During this time, the fund’s employees are required to check whether the applicant has been held accountable for unlawful acts against the child, or whether parental rights have been deprived. Information about other data provided in the application is also checked.
In accordance with the results of the inspection, employees make a decision on issuing a certificate. You need to understand that the document itself only provides the right to dispose of regional funds, but does not imply receiving cash.
4. What to spend regional payments upon the birth of a child - TOP 5 popular ways
Where should regional mat capital funds be directed? A question that is relevant for all families who have received the right to receive benefits.
Usually, when a third child appears, the issue of expanding living space becomes especially relevant.
Housing needs are the most common use budget funds. This is not surprising given the lack of affordable and comfortable housing for families in major cities.
In addition to the acquisition (construction or reconstruction) of apartments and houses, the “governor’s” money is spent on education, development and training of children. In some regions, you can purchase a car using regional family assets, buy furniture and appliances for the whole family.
Let's look at the five most popular ways to manage regional mat capital.
Method 1. Improving living conditions
As mentioned above, this is the most popular way to use budget funds.
There are several ways to improve using regional money your living situation:
- buy an apartment, a house or your own cottage;
- build a house on your own or with the help of contractors;
- carry out reconstruction of the house;
- take out a loan (mortgage) against mat capital to buy an apartment in a new building or purchase housing on the secondary market.
In some regions of Russia you can get money for housing needs for up to 3 years.
Buying an apartment on the secondary market has certain nuances: not every property owner agrees to receive part of the funds through deductions from the local regional budget.
The situation is complicated by the fact that social security officials do not make a decision on transferring money immediately, but after 1-2 months. detailed instructions about that is already on our website.
The same difficulties arise when buying a home. Some certificate holders resolve the issue by taking a one-time loan from a bank: with these funds they pay the seller, after which they repay the debt to financial company from the maternity capital account.
During construction and reconstruction, there are two options for using state assistance:
- Transfer funds before work begins.
- Cover the costs of building construction or reconstruction retroactively.
Read more about this in a special magazine article.
Method 2. Payment for education
Regional MK funds are accepted as payment in most educational institutions Russia – both public and private. The main condition is that the child’s age should not exceed 25 years.
You can pay not only for university education, but also for classes in music and art schools, extracurricular education, services of private kindergartens and other educational and development organizations, if they have the appropriate license.
Method 3. Land acquisition
You won’t be able to buy land with federal capital, but you can do it with regional subsidies. True, not all regions of the Russian Federation provide families with this opportunity.
Usually purchase land plot involves further construction of a house or cottage on it. I will warn readers that purchasing a dacha with budget money is not easy.
A building purchased with funds from regional maternity capital must be a full-fledged residential facility with all amenities and communications. So buy a summer one country house, most likely it won't work.
Method 4. Treatment of a child
The law provides for the use of federal budget funds only for the rehabilitation of disabled children. Regional and regional money can be used for other types of treatment, including high-tech methods of therapy in specialized medical centers.
It is not possible to transfer funds for paid medical procedures and services in all regions of the Russian Federation. Among the subjects allowing such use of finance are Kalmykia, Komi, Khakassia, Primorsky and Khabarovsk Territory, Voronezh, Novgorod, Rostov regions and several dozen other territories and districts.
Example
It is noteworthy that in some areas (for example, in Yakutia), funds can be used for high-tech and sanatorium-resort treatment outside the region.
In the Komi Republic, parents and children have the right to receive lump sum payments in the amount of 25,000 rubles for sanatorium treatment (including travel to the place of provision of services).
Assistance is provided in the presence of official medical indications provided to employees of social protection authorities in the prescribed form.
Method 5. Buying a car
You can buy a car with money from the regional (district or regional) budget only in some regions. In particular, residents of the Kaliningrad and Novosibirsk regions have this opportunity.
Families in which the third (or subsequent child) was born after 01/01/2011 have the right to purchase a domestically produced car with regional money. At the same time, the total family income should not exceed the regional income living wage more than 3.5 times.
In these areas, with regional subsidies you can buy not only cars, but also furniture, as well as other durable goods - for example, household appliances, computers and electronics.
5. Is it possible to legally cash out regional mat capital in Moscow?
The rules for using the certificate are the same for the capital and settlements with regional status. These rules do not allow turning regional capital into real money.
In other words, the funds secured by the certificate can only be spent on established by law needs. Redirection of funds is carried out by bank transfer.
You can transfer money to the following accounts:
- banking institutions;
- sellers of apartments and houses;
- construction organizations;
- medical, preventive, educational institutions.
Transfers in other areas provided for by law are allowed. All other transactions are considered criminal: both the owners of the certificate and the initiators of illegal cash withdrawal are held accountable for their implementation.
6. Fraud with regional mat capital - how to avoid becoming a victim of deception
Although regional maternity capital represents non-cash funds There are plenty of people who want to illegally take advantage of budget assets.
Frauds with regional (regional) money are just as common as scams with the federal MSC. The most common method of deception is fictitious intermediary services for obtaining a mortgage (loan) from a bank or “assistance” in cashing out the RCC.
To avoid becoming victims of scammers, I advise you to follow simple recommendations:
- carry out all operations with maternity capital with the direct participation of social security authorities;
- do not enter into transactions with companies with dubious status, as well as with companies about which there is no clear information in official sources of information;
- do not use the services of private individuals offering to cash out maternity capital for a certain percentage.
Often, certificate holders themselves become the initiators of criminal operations. In particular, for money regional capital housing is purchased from friends and relatives, apartments are purchased at a deliberately inflated price or living space that is unsuitable for living.
All fraudulent transactions involving funds from the regional and federal MSK are punishable by law and have the status of criminal offenses. The least that the organizers of the scams face is the return of funds to the budget and payment of a fine.
Conspiracy with third parties to commit criminal manipulations with family capital is punishable by 5 years of forced labor or imprisonment for the same period.
Organizing a criminal group for the purpose of deceiving (inciting) certificate holders entails millions in fines and even more. long terms imprisonment.
Young families of the Kurgan region are demanding that Governor Alexei Kokorin pay the regional capital they are entitled to by law to cover part of the mortgage costs. By order of the head of the region himself, since 2016. Each young family is entitled to 358 thousand rubles upon the birth or adoption of a child, but this subsidy is not paid.
In the Kurgan region, young families are collecting signatures on the Change.org website for a petition addressed to Vladimir Putin and Governor Alexei Kokorin demanding payment of regional maternity capital (RMC). According to the author of the petition, Dmitry Dubrovin, at the end of 2015. By order of the head of the region, the Kurgan region announced the payment of maternity capital for young families under the age of 35 upon the birth or adoption of a child. “Until now, despite the recognition of our right to receive the RMC in 2016, the RMC has not been provided to us, which makes our rights enshrined in the Constitution of the Russian Federation and other federal laws illusory. For two years, we have been deprived of the opportunity to exercise this right: the RMK should have been aimed at repaying part of the mortgage debt, which would significantly reduce the burden on the budget of a young family with small children,” Dubrovin writes in the petition.
Khanty-Mansi Autonomous Okrug - Yugra
Young families in eight cities of Khanty-Mansiysk Autonomous Okrug will hold a single protest on April 22 to defend their rights to receive subsidies regional program"Affordable housing for young people." Funding for this program decreases every year, and in just three last year decreased from 1 billion to 109 million rubles. The district government and Governor Natalya Komarova annually extend the program, excluding from the queue for subsidies families where one of the spouses turns 36 years old, regardless of the fact that they received payments.Main