The amount of maternity capital in 2020 and forecasts for the future

Many parents preparing to replenish their family are interested in how much maternity capital will be in this and subsequent years. This is what we will talk about.

The “Maternity Capital” social program, launched in 2007, has yielded good results in improving the demographic situation in the country, as planned. For many who decided to have a second and subsequent child, these payments from the state served as a significant help. During the operation of this program, over 8 million Russian families received a fixed amount of money.

The current amount of maternity capital is:

453,026 rubles

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.

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.

Elena Smirnova

Pension lawyer, ready to answer your questions.

Ask me a question

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”.

Last news

Although the amount of maternity capital did not increase, and no new areas for spending certificate funds were added, some changes :

  • On January 1, 2020, Law No. 217-FZ of July 29, 2017 on citizens’ gardening and vegetable gardening came into force, thanks to which recipients of a certificate for maternal capital can now legally use it for the construction of a residential building on a garden plot of land (in the past - a dacha plot). area). A prerequisite is that the building being erected must not be a garden house or outbuilding .

Law No. 37-FZ also came into force, which introduced the following changes in the disposal of certificate funds:

  • Family capital is no longer allowed to be spent on repaying loans issued by “other” organizations, that is, those whose activities are not controlled by the Bank of Russia (to protect the rights of citizens, the new provisions of the law apply only to those borrowers who entered into an agreement after this law came into force ). However, the list of organizations where it is allowed to take out a loan included JSC DOM.RF and agricultural credit consumer cooperatives.
  • Housing for the purchase of which maternal capital is used must be recognized as suitable for living (in accordance with the rules for recognizing premises as residential, approved by Decree of the Government of Russia No. 47 of January 28, 2006.
  • When directing maternity capital to build a house, now instead of a building permit, you can provide a notification (specified in clause 2, part 7, article 51.1 of the Town Planning Code of the Russian Federation) issued to the owner of the registered certificate or his spouse.

Earlier, in 2020, the following innovations were added:

  • Payment of a monthly benefit from maternity capital for the second child who appeared in the family from January 1, 2020.
  • It has become possible to send MSK to preschool education of children immediately after issuing a certificate, without waiting three years .
  • The program has been extended until December 31, 2021 .

In 2020, the state mortgage subsidy program will continue to operate. Families with a second or subsequent child born on January 1, 2020 will be able to receive a mortgage loan (loan) at a reduced rate of 6 percent per annum . Although preferential mortgages are only indirectly related to maternity capital, this is significant support from the state for families with children.

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.

YearEstablished amount of maternity capital (thousand rubles)Indexation of paymentsInflation over the past year
2007250,0
2008276,310,5%11,8%
2009312,113,0%13,1%
2010343,310%8,8%
2011365,76,5%8,7%
2012387,66%6,1%
2013408,95,5%6,5%
2014429,45%6,45%
2015453,05,5%11,3%

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

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.

Elena Smirnova

Pension lawyer, ready to answer your questions.

Ask me a question

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.

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.

Elena Smirnova

Pension lawyer, ready to answer your questions.

Ask me a question

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.

Changes and latest news

The program has been successfully operating since 2007 in accordance with Federal Law No. 256 dated December 29, 2006. Every few years it is extended for the next period. Federal Law No. 432 of December 28, 2017 increased the validity period of the MSC until 2021 inclusive. At the same time, the Government noted that the program brings effective assistance to families with children and has a positive impact on Russian demographic dynamics.

The program is constantly changing and improving. In 2018:

  • a new direction for spending funds has emerged - payments to needy families;
  • 2 old ones were improved - children's education and mortgage.

Low-income families who have had a second child since 2020 can receive monthly payments from maternity capital funds. This assistance is targeted; The issue for each applicant is decided individually, based on family income for the last year. It is intended primarily for parents who, due to a difficult financial situation, have delayed the birth of their second baby.

Payments for a third child in 2020.

Federal Law No. 432 made it possible to use public money for a child’s education without waiting for his third birthday. There is a real opportunity to use family capital to pay for a private nursery or kindergarten, educational programs for preschoolers, courses, etc.

Resolution No. 631 of May 31, 2018 improved the housing sector. Previously, parents could spend maternity capital to repay the principal debt and interest on a loan taken to refinance a mortgage, but only if this happened after the right to MSC became available. Now the date of occurrence of obligations does not matter.

In 2020, legislators plan to implement the following changes:

  • an exact list of organizations that have the right to issue mortgage loans under MSK will appear;
  • control over real estate acquired using maternity capital will be tightened;
  • an application for a certificate will be considered not 30, but 15 days;
  • the house can be built on a garden (dacha) plot.

In October 2020, the Government submitted bill (order) No. 2222-r to the State Duma. It involves compiling an accurate and comprehensive list of organizations that can issue mortgage loans using family capital. It is proposed to include AHML and agricultural cooperatives in the list.

The initiators of the project justify it by the fact that the Central Bank of the Russian Federation controls 9 out of 10 players in the mortgage market. And the tenth may abuse the trust of his parents, and it is difficult to stop this and promptly compensate for the damage. During the period 2015–2018, 453 families have already become victims of such fraudulent schemes.

also planned to introduce strict control over real estate that is purchased using maternity capital. The authors of the bill (No. 2222-r) propose that the Pension Fund make additional requests to local governments and Rosreestr. If the municipality has made a decision regarding the apartment or house as uninhabitable, this will become the basis for refusing to transfer funds to the seller.

Bill No. 2222-r has just been introduced; it hasn't been registered yet. Consideration is scheduled for the autumn session of the State Duma 2018. The changes (if approved) will come into force no earlier than mid-2020.

Federal Law No. 390 dated October 30, 2018 (effective from November 11, 2020) reduces the time for reviewing an application for a certificate from a month to 15 days The processing time for requests from the Pension Fund of the Russian Federation in the Ministry of Internal Affairs, Departments of Guardianship and Trusteeship and other departments and organizations has been reduced to 5 days (from 14). The procedure for considering the application may be suspended, but not more than for 2 weeks. These changes will allow families to put money toward a mortgage or receive cash payments faster.

From 01/01/2019, the already adopted Federal Law No. 217 of 07/29/2017 comes into effect. The law allows you to build permanent residential buildings on your garden plot, but with restrictions . The land must be located within the zone for which urban planning regulations and maximum characteristics of permitted construction have been established (clarification of their boundaries, location, development of regulations is the responsibility of regional authorities).

From 2020, you can use maternity capital to buy or build a house in the country, and register in it.

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.

If the right to maternity capital arose before 2020, there is no additional payment

If the second child was born before 2020 and the family received a certificate for maternal capital for him, then regardless of the year of use of state support, the amount will be calculated according to the old rules.

For example, in December 2020, a second child was born in the family. In February 2020, mother issues a certificate for maternity capital. The family plans to use this money to pay off the mortgage in June 2020, when the new law on the increased amount will already be in full effect. But this family will be allocated 466,617 R from the budget, not 616,617. Because the right to state support arose in 2020, even though it was used in 2020.

A family in which a second child was born on January 1, 2020 will receive 616,617 RUR for him. And a family in which a second child was born on December 31, 2020, is entitled to only 466,617 RUR, even if they decide to use state support for a mortgage or kindergarten the same time.

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.

How to get a certificate?

To qualify for this type of government assistance, you must obtain the appropriate document - a certificate.

It is registered at the pension fund branch. You can apply for it at any branch, regardless of your place of registration or stay. You can issue a certificate immediately after the birth (adoption) of a child or later, at a time convenient for the family.

To obtain a certificate for MSK you will need to write an application. It is submitted in person, through a proxy, through the “Personal Account of a Citizen” on the Pension Fund website or by mail. You also need to prepare a number of documents to provide to Pension Fund employees:

  1. Passport.
  2. Birth (adoption) certificates of children.
  3. Documents confirming the Russian citizenship of children.
  4. Power of attorney, if the application is submitted by an authorized person.

If you wish to receive an electronic certificate, then an application for it is submitted in your personal account on the Pension Fund website. After checking the information provided by the pension fund and making a positive decision on the provision of MSC, the electronic certificate will be sent to the applicant’s personal account.

Only after receiving this certificate will citizens have the right to dispose of the maternity capital allocated to them.

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.

What will be the maternity capital for the third or subsequent child?

An increased amount of RUR 616,617 can be obtained under the following simultaneous conditions:

  • The third child was born in 2020 or later.
  • Previously, there was no right to maternal capital.

That is, there will be an increase if the first and second children were born before 2007, and the third in 2020.
This means that there is a difference of at least 13 years between the second and third child. If the second child was born in 2007 or later, it means that the mother already has the right to maternity capital. But she might not have used it at the birth of her second child, and decided to receive the certificate only for her third, in 2020. Then for the third child she will receive maternity capital without an increase, that is, 466,617 RUR. Because the right arises precisely from the day the child is born, and not when a certificate or application for disposal of maternity capital is issued. The certificate only confirms the right. Even if it was not issued or used, the right still arose. This is a rather strange rule, but this is the letter of the law.

The same conditions apply to the fourth, fifth and subsequent children. For example, three children were born in 2003, 2005 and 2006, and the fourth was adopted in 2020. Before 2020, the mother did not have the right to maternity capital, so an increased amount will be allocated for the fourth child - 616,617 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. 

Free legal advice can be of several types

A lawyer can provide various types of assistance remotely:

  • free consultation in any area of ​​law;
  • drafting various documents: from claims to lawsuits and contracts;
  • conducting negotiations with counterparties;
  • receiving and submitting a number of documents.

As you can see, the range of services provided by online lawyers is very wide. Perhaps, it is impossible to only represent the client’s interests in court proceedings remotely, but many other tasks can and should be solved remotely!

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.

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.

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.

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.

Maternity capital latest news in 2020

There are many cases in judicial practice when the Pension Fund refused to allocate maternity capital for the purchase or construction of a house on a garden plot. True, the courts most often sided with the certificate holders. But the situation still remained controversial.

In 2020, Law No. 217 of July 29, 2017 comes into force. It regulates the relations of citizens involved in gardening and horticulture. Now citizens can build residential buildings on lands intended for gardening. The new law will allow this to happen. And since maternity capital can only be used to purchase residential premises, it can be used to buy or build a house on a garden plot without any problems. This innovation is expected in 2020.

be careful

Due to recent changes in legislation, the legal information in this article may have lost its relevance. Contact our lawyer for a free consultation using an online consultant or write your question in the form below:

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.

Rating
( 1 rating, average 5 out of 5 )
Did you like the article? Share with friends:
Для любых предложений по сайту: [email protected]