How to legally cash out maternity capital in 2019

2024 Author: James Gerald | [email protected]. Last modified: 2023-12-17 14:00

Thanks to maternity capital in 2019, you can get more than 450 thousand rubles. Therefore, the question remains relevant: how to cash out legally and legally funds up to 3 years. Let's take a look at the latest news and find out what withdrawal methods exist.

What does maternity capital mean

Such a social benefit as maternity capital has been introduced since 2007. At the time of 2019, she was already 12 years old, so such a state program can be considered stable. Almost every year, there are changes in the legislation, therefore, the amount of charges for parents changed. Initially, it was only about 250 thousand rubles.

It is important to dispose of such an amount legally and legally. It is designed so that the family can improve their living conditions, save up for education for their child.

At the moment, taking into account the indexation, the payment amount is just over 453 thousand rubles. It is planned that the maternity capital program will be extended until 2021.

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Purposes of cashing in the capital

Since the amount is more than serious for the average Russian family, many are thinking about how to legally cash out maternity capital in 2019. The question concerns children under 3 years old.

Not all citizens want to follow the recommendations of the state, which has already prescribed for them exactly what purposes the funds can be spent on.

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For some families, for example, the priority is not to improve their living conditions, but to buy a new car, since in a large family, parents often do not have time to take them to school and to the sections by public transport.

There are families with difficult life situations where the child needs rehabilitation or classes with a speech therapist. Parents are ready to give up the last and follow any possible means of withdrawing maternity capital, if only their child is healthy and happy.

How to legally cash out matkapital

When answering the question of how to cash out maternity capital in 2019 and at the same time legally, you should immediately not take into account options with cash. If you have a child under three years of age in your arms, there are no such legislative norms.

Legally and legally, you can get a maximum of 20-25 thousand rubles for your needs. The state immediately made sure that families did not become victims of fraudsters.

Earlier it was possible to receive payments on maternity capital from the Pension Fund of the Russian Federation. It is important to immediately understand that real money cannot be seen immediately, and even then in parts.

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The main conditions for obtaining a mother capital in the Russian Federation include:

1. Russian citizenship.
2. The need to permanently reside in the territory of the Russian Federation.
3. The second child must be born no earlier than January 1, 2018. The same rule applies to adopted children.

If we talk about the legal side of receiving cash in a short time, then it will also be necessary to prove that the income in the family does not exceed 1.5% of the living wage per person. To legally receive a part of the mother capital in cash, you also need to write an application according to the appropriate sample to the Pension Fund of the Russian Federation. Each month, such a family will legally be paid exactly one living wage.

How else to get money in cash

Legally and legally, in accordance with Russian legislation, you can pay off your own mortgage. Such a scheme is ideal for answering the question of how to cash out maternity capital in 2019 if the child is under three years old.

Specialists here draw attention to the fact that this is a conditional way to receive cash. Nevertheless, it turns out: the family budget retains funds that were previously used to pay off real estate debt.

You can legally cash out the mother capital for a mortgage as follows:

1. Make a down payment.
2. Pay off the main debt or accumulated interest.

If there is a certificate for obtaining maternity capital, then this also gives advantages for a mortgage loan. Families often come to the first option if there is no available amount equal to 15-20% of the value of the property (it must be paid at the initial stage).