Maternity capital in 2020: changes and latest news for 2 children, indexation of the payment amount, what can be spent on

Read about changes to the maternity capital program in 2020, including Vladimir Putin’s proposals to provide maternity capital for the first-born child and to extend the program until December 31, 2026:

→ Maternity capital in 2020 (changes) ←

In 2020, indexation of maternity capital was not carried out; its size, as a year earlier, is 453,026 rubles . The next indexation will take place only in 2020 , as a result, the amount of the certificate for maternal capital will be 470,241 rubles (this value follows from the draft characteristics of the Pension Fund budget). The program itself will be valid until at least December 31, 2021 .

The conditions for registering maternal (family) capital (MSC) remain the same. Families in which a second or subsequent child was born (adopted) since January 1, 2007 In 2020, the addition of new areas for using capital is also not expected; the last time the list of ways to spend MSC funds was expanded in 2020.

However, some changes were made to the program. Since 2019, families can legally use maternal capital to pay for the construction of residential premises on garden (formerly dacha) land plots . Also on March 18, 2020, Law No. 37-FZ was signed, aimed at strengthening control over the expenditure of maternity capital.

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What is maternity capital?

Maternal, or family, capital is one of the types of social support by the Russian state for families raising more than one child. The corresponding provision (Federal Law No. 256) was adopted by a resolution of the Government of the Russian Federation and approved by the State Duma in December 2006. The legislation came into force at the beginning of the next year, 2007, and applied to all Russian families in which a second child appeared from that moment on.

Subsequently, some amendments and additions were made to Federal Law No. 256, and the amount of payments was indexed. But in general, all the original provisions of this legislative act reached 20019 without fundamental changes. The calculation and payment of maternity money is the responsibility of the local branch of the Pension Fund. The document confirming the right to receive the established amount of money is the mother’s certificate.

You can use it no earlier than three years after receipt, with some exceptions, which we will consider below.

Changes in regulations

In 2020, the program for the provision and use of maternal capital will be slightly adjusted. So:

Otherwise, the absence of major changes in the maternity capital program in 2020 is largely due to the large number of innovations in 2018. Namely:

• monthly payments were introduced for the second child until he turns 1.5 years old;
• added the opportunity to pay for preschool education of children without waiting 3 years from the moment the right to maternity capital arises;
• extension of maternity capital until 2021 inclusive.

Also see “One-time payment of 25,000 rubles. from maternity capital in 2018: who can receive it?

A mortgage subsidy program also began to operate for families in which a second and/or subsequent child was born as of 01/01/2018. A family can get a mortgage or loan at a preferential rate - 6% per annum (the bank can give a lower rate). Many participants in this program are recipients of maternal capital.

Conditions for receiving maternity capital

In the 2000s, the country's population began to decline rapidly. The reason for this was a significant excess of the number of deaths over the number of children born during the same time. The main reasons for this disproportion lay in the socio-economic situation that developed in Russia in the 90s of the twentieth century. Financial difficulties associated with raising a child forced many families to stop at one child.

As a result, the birth rate steadily declined throughout the second half of the 1990s. The peak of the decline in the birth rate occurred in the early 2000s: in 2000, the natural decline in the population, excluding migration, amounted to 950 thousand people. Against the background of these indicators, the Government of the Russian Federation was forced to admit the existence of a demographic crisis in the country and move on to taking urgent measures. The main factor directly influencing the refusal to have children was the low level of financial well-being of the majority of Russian families.

As part of stimulating demographic growth, the government's expert council proposed making cash payments for every second child born in a family. This became the main condition for obtaining maternal capital. Based on the results of 12 years of the program, it is noted that it has been completely successful. Since 2009, the country has experienced a steady increase in population not only as a result of external migration, but also as a result of the excess of the number of births over the number of deaths.

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Federal Law No. 256 does not focus on the biological relationship of parents and children. The second child can be adopted after the law comes into force (January 1, 2007). Also, the first child may have been adopted before 2007, and after this date the second child appeared (or was adopted).

The next prerequisite for receiving payments is that the child and, accordingly, one of the parents must have Russian citizenship. This requirement is connected with the need for targeted spending of budget money, that is, to increase the population of Russia. Foreigners living in our country are not entitled to such support measures. To do this, they and both of their children will first need to obtain Russian citizenship.

Maternity capital is issued as a one-time payment: having received a subsidy payment at the birth of the second child, the family no longer has the right to claim similar payments for the third and subsequent children. The conditions for receiving maternity capital in 2019 remain unchanged. The exception is families whose standard of living does not reach one and a half times the subsistence level. Such families have the opportunity to receive subsidies for the birth of their first child.

Another condition for calculating maternity capital: a family can receive payment under the certificate only when the child reaches three years of age. They are allowed to be spent only on certain purposes prescribed by federal law. At the same time, money is not issued in person - all payments are made by bank transfer. This provision was introduced to prevent the misuse of “children’s money”.

Latest news and changes

We invite you to find out what is changing in the law with the onset of 2020.

Preschool education, child care and supervision

One of the areas where maternity capital funds can be invested by law is preschool education. However, before the changes were made, it was possible to pay for a kindergarten or nursery after three years from the date of birth of the second (third and subsequent) child. Now this rule has been canceled. The right to dispose of funds arises after two months from the date of its acquisition, that is, almost immediately after the birth of the baby.

In this case, placement of the child in a non-budgetary preschool educational institution is allowed. Or payment for the services of a child development center. The only thing that is important is that the organization has a document confirming the right to provide this type of service.

Mortgage on preferential terms for families with two or more children

The government allowed families with two (three or more) children born between 2020 and 2022 to take out a mortgage and pay off the debt with maternity capital. Now you don’t have to wait until your child reaches three years of age. Also, unlike other categories of borrowers, holders of maternity capital can count on a preferential interest rate of 6% per annum. When it comes to choosing housing, the government makes virtually no restrictions - you can choose secondary or primary housing, conclude a deal on shared housing, or invest in building a house. You cannot only purchase dilapidated housing, since in this case we are not talking about improving living conditions.

Even more news on the topic

Among other innovations, it is also worth noting the extension of the family capital program until December 31, 2021. This is good news for young families, and, as mentioned above, the indexation of maternity capital will resume, which means there is a greater likelihood of solving the housing issue.

Please pay attention! State support is not intended for young families whose second or subsequent child was born before January 1, 2007. Also, persons who are not citizens of the Russian Federation do not qualify for the program.

The amount of maternity capital from 2007 to 2015

The amount of payments for the birth of a second child, established in 2007, is not strictly fixed. Until 2020, regular indexation of payments was carried out annually due to rising inflation in the state. The table below shows: changes in the values ​​of maternity payments, the ratio of inflation for a given year and subsidy indexation.

As can be seen from the table, until 2020 there was a regular indexation of capital issued under Federal Law No. 256.

MK table by year

State support for families with children has been provided since 2007. Its approximate validity period is until December 31, 2021. There is a possibility that the duration of the program will be increased. During this time, the subsidy amount has increased significantly. Let's consider the dynamics of increasing the size of maternity capital.

Indexation of maternity capital in 2019

From 2020 indexation of maternity capital is temporarily frozen . This is due to the outbreak that broke out in 2014. economic crisis, resulting in a significant deficit in the state budget. A number of economists in the State Duma and the government even proposed to temporarily suspend the issuance of money, citing the impossibility of finding the required amount. However, the president ordered to find the necessary financial resources and not stop the due payments. True, indexation of the amount of payments had to be abandoned for a while.

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This moratorium is expected to last until 2021, so maternity capital will not be , the amount will remain the same - 453 thousand rubles. According to the statement of the Chairman of the Government of the Russian Federation, the next planned indexation of maternity capital will occur only in 2021 , when its size will increase to 489 thousand rubles.

According to Prime Minister D. Medvedev, these funds have already been included in the draft state budget for this year. Until 2021 The government does not at all intend to push aside the issue of improving the quality of life of Russian families with children. In 2019-21, systematic work will be carried out to increase the number of places in kindergartens and schools, improve medical care, and the availability of sanatorium and resort recreation for children.

What amendments are we talking about?

In Russia there is a maternity capital program. This is a type of state support for families with children. The state allocates a certain amount to the family and allows it to be spent on specific purposes. For example, you can use this money to pay off the mortgage, educate your older child at a paid university, or add an extension to your house.

Since 2020, maternity capital has been increased to RUB 466,617. A certificate is issued for this amount, and then the pension fund transfers the money to its intended destination—where the family decides.

Previously, state support could only be received if there were at least two children in the family. If there was only one, no maternity capital was given. But at the beginning of 2020, the president spoke before the Federal Assembly. He suggested giving maternity capital even for the first child, and paying extra at the birth of the second.

For this mandate to work, it had to be turned into law. And then amendments with new conditions appeared, the State Duma adopted them in the third reading. All that remains is for the Federation Council to consider and sign for the President. When this happens, the law will apply retroactively - from January 1, 2020.

Is maternity capital provided for the first child?

Until 2020 at the birth of the first child, his mother was entitled only to a one-time benefit from the state budget . This provision is still in effect today: the amount of one-time payments for 2020 is five subsistence minimums for the region of his residence. For different entities, the amount of payments will be different - from 8.3 to 22.2 thousand rubles. In addition, in December 2020, a new bill No. 418 was adopted, according to which families where the first child was born can qualify for additional cash subsidies.

People called these subsidies for the first baby “Putin’s payments”, since the initiative to introduce them came from the President of the Russian Federation. The purpose of introducing payments for the first-born is similar to that pursued in 2007 by the adoption of the law on maternity capital for the second child. According to government calculations, this should further spur population growth in the Russian Federation. Since, due to the economic crisis that broke out in 2014, many young families decided to temporarily abandon the birth of their first child. Federal Law No. 418 came into force in 2020.

Who can get it?

Families whose baby was born after the relevant legislation came into force are entitled to receive subsidy payments for their first child. Moreover, these subsidies are targeted. Not every family can receive them, but only those whose income level is below one and a half subsistence levels.

The cost of living for a specific subject of the federation is taken as a reference. Let’s say that for the Belgorod region, according to Rosstat, it is 9 thousand rubles, and for Chukotka it is already 15 thousand. Accordingly, in Belgorod, those families whose total income per each member is less than 13.5 thousand rubles have the right to apply for “Putin’s” subsidies, and in the Chukotka Autonomous Okrug – 22.5 thousand rubles.

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According to the statement of V.V. Putin, the purpose of allocating subsidized money for the birth of the first baby is, first of all, to help young families. However, Federal Law No. 418 does not provide for any restrictions on the age of parents. Therefore, any family or single mother can apply for a subsidy. Families who have adopted a child under one and a half years old can also receive it.

Another condition necessary for accrual is that the child must have Russian citizenship . The citizenship of his father or mother does not matter.

How is it calculated?

Another difference between the “Putin benefit” and ordinary maternity capital is that it is paid not as a one-time payment, but over a period of one and a half years. The total amount of payments is 189 thousand rubles. It is issued to the baby’s mother in equal shares, by transfer to a bank card, over a period of 18 months. Payments stop when the baby reaches one and a half years of age, and the amount of monthly payments is about 10,800 rubles. From 2020, the amount paid is expected to be indexed, as a result of which it will increase to 11.1 thousand rubles. per month.

How to apply?

Let's look at how to apply for maternity capital in 2020 for your first child. The first step is to determine whether you are eligible for grant money. To do this, simply take the income of both spouses and divide it by two. If the total amount is less than 1.5 times the subsistence level for your region, then at the birth of your first child you can apply for a subsidy. This parameter was established on the basis that, taking into account the child, the family will increase to three people. This means that the average family income will be below the subsistence level.

Next, before receiving maternity capital in 2020 for the first newborn, all required documents are collected:

• Certificate from the registry office of the birth of the baby. When adopting, you will need to present a corresponding resolution from the guardianship authorities.
• If a woman has previously separated from her husband, she will need an extract from the registry office about the divorce.
• Certificates of family income - salary, scholarships, benefits.
• Bank details for transferring cash payments.

The listed documentation is submitted to the local social security authorities along with an application, which is written in free form by hand. You can also submit a package of documents through your local multifunctional center.

Monthly child benefits

In 2020, parents received another type of support from the state - monthly payments for children born this year. Those wishing to apply for benefits must prepare an application. If the child is the first, then the application is sent to social protection institutions. The federal budget allocates money for such payments.

For second, third and subsequent children, you can also apply for benefits. Documents and application should be submitted to the Pension Fund office. In this case, maternity capital will be involved, and payments will be made from its fund. Therefore, its size will gradually decrease.

How much is this benefit? It is equal to the cost of living for a child, which was established in each region for the 2nd quarter of last year. For example, if parents applied in 2020, then you need to look at the cost of living for the 2nd quarter of 2020, if they apply in 2020 - the amount for the 2nd quarter of 2020.

The benefit is not provided to everyone, but only to those citizens who meet certain criteria:

• the child and the applicant for benefits are Russian citizens;
• year of birth of the second child – 2020 and subsequent years;
• The average per capita income per family member is less than 1.5 times the subsistence level in a given region.

The benefit is assigned until the child is one and a half years old. The application can be submitted at any time, but remember that if you contact the Pension Fund immediately after birth or within six months after that, the payment will be assigned from the day the child is born. If the applicant does not meet this deadline and writes an application after 6 months, then the payment will be assigned to him, but from the date of application.

The application must be submitted twice: the first time to apply for benefits for 1 year, once to apply for six months.

To assign benefits, submit the following documents:

• child's birth certificate;
• applicant's passport;
• certificates of income of family members: from the place of work, study, from institutions that issue benefits and pensions;
• a certificate from the military registration and enlistment office confirming the parent’s service;
• a certificate from the bank with account details;
• SNILS;
• documents containing information about family composition. These include a certificate of marriage or divorce, certificates of family composition.

Documents can be submitted in person, through the MFC or electronically. The payment is transferred to the applicant's bank account.

How much will the monthly payment from maternity capital be in 2019?

Let us remind you that monthly payments are a new direction for spending maternity capital funds, which appeared in 2018. Low-income families in which a second child was born or adopted since January 1, 2018 and who have not used the entire amount of capital for other areas of the program can apply for the payment.

In 2020, families whose income per family member over the last 12 months does not exceed 23,326.5 rubles - 1.5 times the subsistence level of the working population, for example, in the Khanty-Mansiysk Autonomous Okrug for 2nd quarter 2020. The monthly payment in 2020 will be 14,427 rubles.

You can apply for a certificate and manage its funds through the citizen’s Personal Account on the Pension Fund website or the government services portal.

The amount of maternity capital in 2020 will be 453,026 rubles.

How to calculate average per capita family income

When calculating family income, not only salaries and bonuses are taken into account, but also pensions, student scholarships, various types of benefits, as well as military allowances and compensation.

To determine whether a payment is due or not, you need to make the following calculations:

1. Calculate the income of each family member for 12 months before taxes. For example, there are 5 people in a family: father, mother, and three children. The youngest was born in 2020. Salary per year: mother 324,000 (27,000*12 rubles), father 648,000 (54,000*12); scholarship for the eldest child 30,000 (2,500*12). There are no other sources of income.
2. Add all income. 324,000+648,000+30,000=1002,000 rubles.
3. Divide the resulting number by the number of family members: 1002,000/12/5=16,700 – average per capita income.

The family lives in Murmansk and the cost of living for able-bodied citizens in the region is 15,185 rubles, 1.5 the minimum is 15,185 * 1.5 = 22,778 rubles. And since the average per capita income in this case is less than 16,700 < 22,778, then this family is entitled to a payment. In the Murmansk region, the cost of living per child is 15,048 rubles. This amount will be the monthly payment for this family.

If several children appeared in a family at the same time, for example, twins or triplets, then the application must be submitted to 2 departments:

• per child to social protection authorities;
• for the rest - to the Pension Fund department.

Payments will be made for each child, for the first from the federal budget, and for the rest from maternity capital.

Payments are terminated under the following circumstances:

• the child will be 1.5 years old;
• the recipient of the payment moved to another subject of the Russian Federation for permanent residence. He must notify the Pension Fund employees about this;
• the recipient wrote a refusal of the benefit. It stops being transferred on the 1st day of the next month. To restore the payment, you need to write a corresponding application to the Pension Fund branch;
• the child who created the right to payment will die;
• the recipient will be deprived of parental rights or die. In the first case, in order to restore the payment, you will need to submit a corresponding court decision to the Pension Fund.;

Also, the benefits will stop being transferred if the MSC funds are completely spent.

How to fill out an application for monthly payments

There is no special application form, but the law establishes certain requirements for its content. It must indicate:

• name of the Pension Fund department;
• surname (indicate the surname at birth next to it in brackets), first name, patronymic of the applicant;
• date of birth;
• passport series and number;
• citizenship;
• SNILS number;
• full address;
• telephone for communication;
• child’s details, including citizenship; date of birth;
• information about the deprivation of parental rights, about the cancellation of the adoption of a child, about the facts of a crime against the child’s personality. If such events did not occur, briefly indicate this (“I was not deprived of parental rights,” “I did not commit a crime,” etc.);
• Bank account number;
• income information.

At the end, indicate the list of documents attached to the application, date it and sign it.

All documents can be sent electronically, using various media, through the State Services website, as well as by post.

Who is entitled to receive maternity capital for a second child?

According to adopted in 2006 by the Law “On State Support of Families...”, the following persons are entitled to receive payments:

• A citizen of Russia who gave birth to or adopted a second child. Sequence and biological relationship do not play any role. A woman can give birth to two children herself; adopt a baby and then give birth to your own, or vice versa. Also, two adopted children give her the right to receive maternity capital in 2019 .
• A citizen of the Russian Federation who adopted a second child. Moreover, he must be the only adoptive parent (i.e. not be officially married), and the court decision on the adoption of the child was made before January 1, 2007.
• The father or male adoptive parent of the child if he becomes the only parent for the child. For example, the mother or adoptive spouse died, or was deprived of the rights to the child by a decision of the judicial authorities. The citizenship of the recipient is not important in this situation. It is required that both children in the family have Russian citizenship.
• The children themselves, in equal proportions, also have the right to receive the money due for the 2nd child. This is possible in the event of the death of parents, when their parental rights are deprived, when they have not yet received a subsidy. The amount is given to the eldest child after he reaches 23 years of age if he is a full-time student. In certain situations, guardians of children have the right to use public money in their interests.

As you can see, the list of persons entitled to register maternity capital in 2020 is strictly regulated by the provisions of the current legislation. Attempts to obtain money for a second child by people who do not have such a right are regarded as fraud and are prosecuted in accordance with the Criminal Code.

In families where one of the spouses has Russian citizenship, applying for maternity capital in 2020 is only permissible when both children are Russian citizens. If one of them is de jure a foreigner, then he seems to be eliminated from the count.

What new opportunities will appear in 2020

Those fresh changes for the purpose of using maternity capital that were introduced into the law in 2020 will remain in force in 2020. Let's list them:

• The deadline for joining the program has been extended. Now parents whose children were born before 12/31/2021 will be able to use MSC funds. This is the second extension since the existence of the law. For the first time it was extended from 2020 to 2020, now until the end of 2020;
• from January 2020, at the request of the parents, money is paid from the MSK for the maintenance of the second child, provided that he was born on January 1, 2018;
• allowed to spend MSC funds on a child’s preschool education without waiting for 3 years;
• A decision on issuing a certificate can be received within 15 days from the date of submission of the application. Previously, a month was allocated for this. But if the information requested by the Pension Fund is not provided, then this period can be increased to 1 month. The innovation comes into force on November 11, 2018;
• Maternal capital money can be used to educate a child in any organization that provides educational services. Previously, it might have been strictly an educational organization;
• It is allowed to pay for any paid educational services for a child, and not just those provided under programs that have state accreditation. This means that if, for example, a child is studying in a specialty that does not have state accreditation, then MSC funds are still allowed to be used to pay for such an educational service. Previously, the Pension Fund could refuse to transfer MSK for such purposes.

In addition, government bodies to which the Pension Fund turns to check whether the applicant has been deprived of parental rights or has committed crimes against the child’s personality, from November 2020 must provide the requested information within 5 days. Previously, they were given 15 days to do this. It is due to this reduction in interdepartmental document flow that parents can receive a certificate faster.

Is it possible to get MK for a third child?

The provisions of Federal Law No. 256 on maternity capital regulate the rules of payments, the main one of which is that it is received once, at the birth of the second child. However, in two cases it is allowed to apply to the Pension Fund for a subsidy for the birth of a third child:

1. The family has two children born before Law No. 256 came into force, that is, before 2007. Accordingly, the family was unable to receive subsidies for the second offspring, and this right is automatically transferred to the third child.
2. When the second baby was born after 2007, the family did not receive the required certificate for various reasons.

In 2020, a bill on payment of maternity capital also for the third and subsequent children was submitted to the State Duma for consideration. But due to financial difficulties and the state budget deficit, they abandoned it and did not return to consider this project.

Is it possible to cash out funds once the child reaches 3 years of age?

Many families with children are interested in how to receive maternity capital after 3 years in cash. Currently, the legislation of the Russian Federation does not provide for such a possibility.

All information about supposedly legal ways to cash out maternity capital after 3 years is false. Advertisements offering services to exchange a certificate for money suggest the use of fraudulent schemes.

For example, a fictitious transaction for the purchase and sale of residential property is concluded. The PF transfers the funds to the “seller”, who transfers them to the owner of the certificate for receiving mat capital after 3 years. He keeps a certain amount for himself as a commission. Less often, they falsify education documents , imitating the provision of educational services for a child.

All fraudulent activities involving government payments threaten the mother with fines and even prison time.

So, the answer to the question whether it is possible to cash out maternity capital after 3 years is negative.

However, there is one legal way to get money. Part of the funds can be transferred to a bank card as a monthly benefit. This method does not quite involve cashing out in the classical sense, but in fact it is.

Nuances and limitations

When using the right to receive a monthly benefit, it should be taken into account that mothers whose child was born after January 1, 2020 can receive appropriate payments. At the same time, the income of each able-bodied family member should not exceed the subsistence minimum by two times.

But it is important to consider that these payments are made until the child turns 3 years old. Consequently, there are no legal ways for holders of a maternity capital certificate after 3 years to receive government money in cash for the birth of a child.

Maternity capital for twins

Another question that often worries citizens is how to register maternity capital in 2020 if a woman, giving birth for the first time, ended up with twins? There are two widely held opinions on this matter:

1. Since there was only one pregnancy and birth (the first), twins legally do not give the right to accrual of maternity capital. You can apply for a subsidy if a woman already had a child before having twins.
2. Twins give the right to receive a double payment if the woman already has a child born earlier.

Both of these opinions are erroneous and untrue. In fact, any woman who gives birth to twins can get the right to maternal money, regardless of whether it was her first or second birth. The amount of money here also remains fixed - 453 thousand rubles.

Who will receive increased maternity capital for a second child?

When the law comes into force, maternity capital for the second child will not be 466,617 RUR, but 150 thousand more: 616,617 RUR.

But there are nuances here. Not all families who already have the right to this type of state support will receive the increased amount and additional payment.

The maximum amount of maternity capital that can be received for two children is 616,617 RUR. If the family received 466,617 RUR for the first, for the second they will not receive 616,617 RUR, as many people think, but only an additional payment of 150,000 RUR.

How to apply for maternity capital

The registration of capital and its accrual are carried out by employees of the local department of the Russian Pension Fund. As confirmation of the mother’s right to use the subsidy, she receives a certificate of the established form. Let's take a closer look at each of the stages of obtaining it.

Required documents

The list of documents for registration of maternity capital in 2019 is as follows:

• Passport of the applicant.
• When permanent registration is not indicated in the passport, you will need to submit a certificate of temporary registration at a specific address.
• Metrics from the registry office for the second child, or a document on his adoption.
• Certificate from the PVS about the baby’s Russian citizenship.
• Pension document (SNILS) of the payment recipient.

After checking the completeness of the submitted documentation, Pension Fund employees accept it for detailed consideration.

Procedure

To obtain it, a step-by-step algorithm of actions is provided:

1. At the registry office you need to obtain a birth certificate for the second baby. In case of adoption - a copy of the adoption order from the guardianship authorities.
2. Registration of Russian citizenship for a newborn at the passport and visa service.
3. The collected papers, along with the application and personal documentation of the applicant, are submitted to the Pension Fund. You can submit a package of documentation during a personal visit to the Pension Fund office, through the MFC or through the online portal “State Services” in digital form.
4. Next, the decision of the Pension Fund specialists regarding the issuance of a cash certificate is expected. After reviewing the application, pension fund employees either grant the request and issue a certificate, or refuse it.

How to fill out an application

An application for payments for a second child is written in accordance with the standards accepted in domestic office work. A standard sample form can be viewed directly at the fund’s office or on the Internet. You should be very careful when filling out the application. Otherwise, inaccuracies and errors may cause the submitted documents to be returned. A sample form is attached below.

Attention! No amendments or blots when filling out the form are allowed and will cause it to be returned.

Application consideration period

After receiving the package of documents, the fund’s specialists begin to study it. Documents for obtaining maternity capital in 2020 are examined for completeness, authenticity and compliance of their data with the truth. Pension Fund specialists are given a period of one calendar month for review; in fact, review occurs faster. After making a decision regarding the submitted application, Pension Fund employees must notify the applicant about this within five days.

Reasons for refusal

In some cases, specialists may refuse an applicant to receive a cash certificate. Most often this happens for the following reasons:

• Inconsistency of the data specified in the submitted certificates with reality.
• Incomplete set of required documents.
• Errors, typos and blots in the application or in the submitted certificates.
• The applicant or the child, according to the provisions of Federal Law No. 256, is not subject to its effect.
• The applicant has already used his right to receive maternity capital.

If a citizen believes that he was denied a certificate illegally, he has the right to appeal this decision to a higher authority of the Pension Fund of Russia, or file a claim with the judicial authorities. 

What is needed to receive money?

Citizens of the Russian Federation who have given birth or adopted one or more children can count on receiving maternity capital. This does not take into account minors in respect of whom the parents were deprived of parental rights or in respect of whom a decision was made to cancel the adoption.

To obtain the appropriate state-issued certificate, you must personally submit an application to the regional branch of the Pension Fund of Russia or to any. You can also fill out an application online on the website of the State Services or the Pension Fund.

The following package of papers will be required:

• applicant's passport;
• birth or adoption certificates of children;
• documents confirming the citizenship of children;
• identification document of the authorized person (if necessary).

What can you spend it on and how long will it take?

Parents receive the right to manage children's money 3 years after the birth of their second child. True, the additions made to the legislation on maternal capital make it possible in a number of situations to use it earlier than the deadline. You are allowed to spend the amount of money received under the certificate not necessarily on the second child, but also on the first. The legislation provides for the following purposes for which maternity capital can be spent in 2020 .

Improving living conditions

This includes a whole range of actions, the ultimate goal of which is to improve the living conditions of the family. You can use maternity capital to pay off your mortgage debt. You can take out a mortgage even before the birth of your second child - it doesn’t matter. It is allowed to pay for the purchase of housing from maternity capital, or add the missing amount from there.

If the house was built independently, then the child’s parents have the right to count on monetary compensation for their expenses. To do this, you don’t need to collect receipts for every kilogram of nails or cubic meter of boards. It is enough to simply present the employees of the pension fund with a cadastral passport with an assessment of the constructed housing.

Formation of the funded part of a woman’s pension

In this situation, matkapital, at her written request, is redirected to the account of a non-state pension fund. Once a woman reaches retirement age, she will be able to receive the deferred money in the form of monthly pension payments. In this situation, interest will accrue on her money, so that in old age she will receive a much larger amount. If she suddenly changes her decision, she has the right to write a corresponding statement to the Pension Fund, and the entire amount will be returned in full.

Getting an education as a child

In accordance with Russian Government Decree No. 926 of 2007, training must be carried out on the territory of our country. The educational institution conducts studies according to programs approved by the Ministry of Education of the Russian Federation and has official accreditation. The age of a child who can be educated using “children’s money” is from 3 to 25 years. In addition to school and university education, this includes clubs, electives, sections, etc.

As for kindergarten fees, it will be possible to pay only partially. This is due to the fact that the use of maternity capital is allowed only when the child reaches the age of three; children are accepted into nurseries from the age of one and a half years. Several years ago, an addition was made to Federal Law No. 256 allowing the use of maternal capital for social adaptation, treatment and rehabilitation of disabled children. This includes the purchase of mobility aids (chairs, crutches), payment for medical procedures prescribed by a doctor, and sanatorium treatment.

Latest changes in the matkapital program

On June 4, 2020, Dmitry Medvedev, the Prime Minister of the Russian Federation and head of the Cabinet of Ministers, signed a decree that maternity capital funds can now be used for on-lending. This does not take into account the time when the need for this appeared: before or after the birth of the child. The Prime Minister emphasized that previously funds from maternity capital were allocated to repay loans only in conditions when the second or subsequent children had not yet been born.

Medvedev noted that the signed resolution makes it possible to use funds from maternity capital for refinancing and on-lending. Mortgage is suitable for the types of loans. Obtaining this right is no longer tied to the date of birth of the child. “People need more freedom with their money,” the Prime Minister said.

The legislation regarding the maternity capital payment program has not undergone significant changes. The amount of support for families will remain the same, as will the areas of use. However, there are several small but important upgrades that will come into effect in 2020:

1. The period for issuing a certificate has changed from 30 days to 15. Regulatory bill No. 517377-7 was considered in September 2020 and adopted in the first reading. It simplifies the procedure for obtaining an MK document, helping families take advantage of the certificate funds earlier.
2. Federal Law No. 217 was signed, which regulates gardening and vegetable gardening by individuals. The concept of a dacha has been abolished by law, which makes it possible for citizens to build a residential building on a dacha plot - according to the law, “garden plot of land”. A restriction is imposed if the building has a commercial purpose or is a garden house.

The lack of numerous changes in 2020 is due to the fact that improvements were also adopted in 2020. Innovations affect:

• allocation of funds from maternity capital for the needs of a child under 1.5 years old;
• payment for preschool education of children without waiting for a period of three years when the capital can be used;
• signing by the President of the Russian Federation of a resolution to extend the program until 2021.

Holders of maternity capital certificates can participate in the subsidy program for large families. It allows you to get a mortgage at a preferential 6% rate, although it is not directly related to the support program through maternity capital.

In March 2020, the president approved changes to the law “On additional measures of state support for families with children.”

The amendments concern the direction of maternal capital funds.

Maternity capital funds will not be able to be invested in housing loans from credit institutions not controlled by the Bank of Russia.

According to the Pension Fund, last year almost 80% of criminal cases were brought against such organizations (they unplannedly inflated interest on loans).

According to the new law, it is allowed to issue loans using funds from family capital only to credit consumer cooperatives (with state registration for at least 3 years), credit agricultural cooperatives and the unified development institute in the housing sector JSC "DOM.RF", as well as banks that are accountable to the Central Bank.

The second problem that users of family capital face is the purchase of unsuitable housing.

According to the amendments, it will not be possible to receive capital if the apartment or house has not yet been completed or is recognized as unsafe.

Money will be issued only after state registration of ownership of the constructed or reconstructed object.

Is it possible to take out a loan against maternity capital?

The legislation clearly regulates the list of loans that can be taken out on the security of maternity capital. The reason for this is the ability to spend maternity capital only for the purposes established by the Federal Law. Accordingly, you can take out the following types of loans using maternity capital, which will subsequently be repaid using a certificate:

1. Mortgage loans.
2. Targeted loan for expansion of living space.
3. A targeted loan for the purchase of building materials if the house is being built with your own hands.
4. Applying for a loan for the services of a construction organization.
5. Targeted loan to provide paid education to a child.

Attention! No other loans - consumer loans, car loans, loans from microfinance organizations - are repaid from maternity capital funds.

Who can get it?

Indexation of maternal capital will be relevant for you if:

1. We issued a certificate earlier, but did not use it .
   The family can issue the certificate itself immediately after the birth of the child, and use it only a year, two or later. In this case, the amount available for use will be that approved directly in the year of payment, and not previously recorded in the document on the MSK. For example, in one of the families a second child was born in 2020. After his birth, his mother issued a certificate for family capital from the pension fund. However, it was not used and was left for the future. In 2020, the eldest son enters the university, and therefore the family can use the saved funds to pay for his education. Then 365,698 rubles not indicated in the certificate will be available for use, but 466,617 rubles. taking into account the new indexing.
2. There is part of unused mat capital. If only a certain part of the MSC was spent, then all amounts unused before January 1, 2020 will be subject to indexation.
   For example, a family wanted to use maternity capital for Putin’s payments for their second child. Every month the pension fund transferred an amount of 11,500 rubles to the mother’s card. Having used 69,000 rubles in 6 months, by the beginning of 2020 the balance of the MSK amounted to 384,000 rubles. This amount will be automatically indexed, and in the new year it will be 395,000 rubles.

   You can find out more about the amount of maternity capital balance on the website pfrf.ru. You can also obtain a certificate about the current status and amount of remaining family capital by contacting the Pension Fund branch. You will need the personal presence of the citizen, his passport and an application. Within 5 days from the date of submission of the application, the document with a seal will be ready for issue.

3. The certificate was issued in 2020 .
   If the certificate for maternal capital was issued in 2020, then the amount in it is indicated taking into account indexation. In addition, if the first-born in the family was born in 2020, then the MSC will be applied to him as well. Example. The second child was born in December 2020, and the family issued a certificate for the disposal of funds in the new year 2020. Then the document will indicate the amount taking into account the increase - 466,617 rubles.

If maternity capital was fully used in the previous period, then no increases will be provided for it.

Do not ignore even small unused balances of maternity capital. Go to the Pension Fund website and check the status of your MSK. Even a small amount, as a result of indexing, can be very helpful in some critical situations. For example, it may be enough to pay for a nursery for a baby so that the mother can go to work to improve the family’s financial situation.

How to cash out matkapital

Often among citizens who have a cash certificate, the question arises: how to receive maternity capital in 2019 in cash. It should be said right away that money under the maternity certificate is not given in cash to anyone. This is one of the main conditions for working with a subsidy, allowing you to prevent inappropriate spending. Payments for loans or payment for studies and construction materials are made after the provision of a service agreement to PFR specialists. After considering the application, they make a payment by bank transfer, by direct transfer of funds from the Pension Fund of Russia account to the account of the seller or educational institution.

In what cases can MK be received in cash?

During the period of acute economic crisis, the Russian government adopted temporary additions to the law on maternal capital. According to these legal acts, especially needy families could receive cash at the expense of maternal capital. So, in 2009-10, 12 thousand rubles were issued in cash, in 2020 - 20, and in 2016 - 25. After that, cash issuance was stopped, and in 2020 the government is not going to return to this practice.

In 2020 The leader of the LDPR spoke in the State Duma with a proposal to make the practice of such payments regular, increasing the one-time amount to 50 thousand per year. However, this initiative was not supported by the parliamentary majority and the bill did not pass beyond the first reading stage. Numerous proposals to cash out subsidy money, which are replete with the Internet and the media, are nothing more than gray schemes. Such transactions are clearly considered by current legislation as fraud with all the ensuing consequences.

For what purposes can the certificate funds be spent after 3 years?

As practice shows, not all parents know how to use maternity capital after 3 years.

For many families, these payments are associated only with improving living conditions through the purchase of real estate. There are actually many more ways to use a certificate. And not all of them are related to spending on children.

In 2020, there are 5 ways to spend maternity capital after 3 years:

• for the purchase of residential real estate;
• to pay for kindergarten;
• to pay for the child’s education;
• on social adaptation and development of a disabled child;
• for the formation of the mother's pension.

The most popular way to use the certificate is to improve living conditions by partially paying the cost of purchasing an apartment or building a house, as well as paying off the mortgage.

In most cases, banks set the amount of the down payment on a mortgage within 15-20% of the loan value. But today many lenders have developed special programs for young families with children. According to their terms, the down payment is set at a reduced amount - from 10%.

One of the most frequently asked questions from holders of a maternity capital certificate after 3 years is how to use the funds to build a house? It is enough to notify the PF of the intention to build a residential building . The funds will be transferred to the future owner of the property or the development company. In the first case, 50% of the amount is provided immediately, and the rest after completion of the work.

Starting from January 1, 2020, the certificate can also be used to build a full-fledged residential building on a summer cottage. The main condition is that it should not be an outbuilding or a summer house.

If the house was already built after 2007 before receiving the certificate, you must provide documents confirming the amount of construction costs. These funds are subject to compensation from the state.

You can also pay for kindergarten using the certificate. Only basic expenses are subject to reimbursement: food, education, raising a child and basic care for him. Expenses for clubs, sections and various events are not refundable.

The certificate can also be used to pay for a child’s education in educational institutions in Russia. In this case, the selected institution must have state accreditation. An important condition is the age of the child. Must be between 3 and 24 years of age at the time of receipt of funds.

Attention! The certificate received after the birth of the second child can be used for the education of the first child if his age meets the established requirements.

The money is credited to the educational institution’s account within 2 months. Therefore, it is recommended to apply in advance.

Families raising a disabled minor usually ask the following question about maternity capital: what can these funds be used for after 3 years to improve the child’s condition? The certificate can be used to purchase goods necessary for social adaptation . There is a certain list of these products.

In this case, funds are provided in the form of compensation. You must first pay for the item and then submit a claim for reimbursement.

Sometimes you can hear the following question regarding the use of mat capital after 3 years: how to use funds to ensure the well-being of the child’s parents in the future? The funds can be used to form the mother’s pension, or rather, its funded part. This will help subsequently increase the size of your monthly pension payments.

Attention! Before retirement age, you can change your mind and redirect the money to other purposes, such as paying off your mortgage.

It is impossible to use maternity capital after a child is 3 years old for the following purposes:

1. repayment of consumer loan obligations;
2. reimbursement of costs for repairs of residential or any other premises;
3. purchasing real estate in disrepair;
4. acquisition of land;
5. purchase of a vehicle, incl. on credit terms;
6. payment of fines and utility bills;
7. repayment of mortgage obligations received from individuals, microfinance organizations and other non-banking organizations.

Regional maternity capital

Some subjects of the federation have introduced their own payments when children appear in the family. They are established by regional decrees and laws, and differ from federal payments in size, conditions of receipt and spending. In some regions and republics, regional maternity capital can be obtained within a year and a half; in other regions, it is allowed to spend it on buying a car for the family. In most cases, regional payments are due for the birth of a third newborn. Regarding the specific conditions for the provision of local maternity capital in the region of your residence, you should inquire with the local social security authorities.

Briefly about increased maternity capital

From 2020, families with two or more children can receive maternity capital in the amount of RUB 616,617.

Basic conditions for additional payment:

• If the first child was born before 2020, and the second in 2020 and later, maternity capital is given only for the second, but increased: 616,617 RUR.
• If the first child was born in 2020, they give 466,617 RUR for him, and then they pay an additional 150,000 RUR for the second. In total, for two children - 616,617 RUR.
• If the first and second child were born before 2020, the first child is not entitled to maternity capital, the second - 466,617 RUR. Provided that before 2020 the maternity capital has not yet been used for the second child.
• If before 2020 there was no right to maternity capital at all, and in 2020 or later a third child was born, the maternity capital for him will be 616,617 RUR. The same applies to subsequent children.
• If before 2020 the right to maternity capital arose, but the family did not use it, then at the birth of a third or subsequent child in 2020, maternity capital can be received in the usual amount: 466,617 RUR.
• If a family has received the right and used maternity capital before 2020, there will be no additional payments - even for the birth of subsequent children.

Changes in the state program since 2019

In the coming year, the main provisions regarding the rules for providing maternity money remain unchanged. The only addition was adopted at the proposal of the Ministry of Labor and Social Protection. According to it, it will now become easier for certificate holders to purchase materials for building their own home. From now on, you will no longer have to prove the need to purchase a certain amount of building materials. It is enough to simply send the Pension Fund employees a project of the future house, indicating the area and number of floors. Specialists will independently review the project and within a week will issue a decision on the allocation of non-cash funds for construction needs.

Possible changes

In the summer of 2014, deputies of the Belgorod Regional Duma submitted for discussion to the State Duma a bill to extend the period of the family capital payment program until the end of 2026, which was considered not entirely appropriate in the conditions of crisis processes developing in the country’s economy.

Earlier, as part of the order of the President of the Russian Federation to assess the feasibility of extending the maternity capital program after the end of 2020, the Government of the Russian Federation announced the need to continue state support for families in connection with the birth (adoption) of a second and subsequent child. In particular, according to the Government, the provision of maternity capital led to an increase in the total fertility rate in the country by 2012 to 1.7.

At the moment, no final decision has been made on this matter. Obviously, everything can be decided within the next two years. To a large extent, the difficulties and doubts in the social policy of the country's leadership are determined by economic instability in the country, Western sanctions imposed on the Russian economy and the development of general trends in the global economic crisis. We can only hope that the Russian Federation will avoid forced measures to curtail state social support programs.