How to manage maternity capital: current guide for 2021

Next year, the size of maternity capital will be indexed for the first time since 2015. The amount of maternity capital in 2021 will be 466.6 thousand rubles, and in 2021 - 485.3 thousand rubles. According to Deputy Prime Minister of the Russian Federation Tatyana Golikova , the unused part of the maternity capital will also be indexed to the inflation rate.

“That is, indexation is for inflation, and, what is important, even if some part of the maternity capital has already been used, and some remains, this part will also be indexed for inflation, which will be taken into account when forming the budget for the corresponding financial year,” — Golikova clarified on the “Right to Justice” program on Channel One.

The maternity capital program has been in effect since 2007. On December 28, 2021, Russian President Vladimir Putin signed a law extending it until December 31, 2021. For the payment of maternity capital in 2020, the Pension Fund budget provides 316.4 billion rubles, in 2021 - 329 billion, in 2022 - almost 300 billion rubles.

Question and answer When will maternity capital be allowed to be spent on a car?

How it works

Maternity capital is a one-time assistance from the state to families who have a child or who have adopted a child. The payment amount is indexed every year. This year, parents will receive 616,617 rubles for their child.

Read on the topic: Matkapital 2021: who and how much will be able to receive at the birth of children

Matkapital is not cash, but a certificate for financial assistance. The certificate cannot be cashed, although there are situations when you can receive part of the amount in cash. Maternity capital can only be spent on certain purposes; you will not be able to manage the money at your own will. The family chooses where to spend the help, and the Pension Fund transfers the money to its destination. For example, to the bank for a down payment on a mortgage or to the education department to pay for kindergarten.

Matkapital is federal assistance, but regions can assign additional payments to parents. This is called regional maternity capital. The amount is determined by the regional administration. For example, in Primorye in 2021, mothers will receive 139,900 rubles, and in the Rostov region - 121,287 rubles. You can find out the amount on the official website of the regional administration, the social protection department, the Pension Fund or the MFC.

Unused capital or its balance is indexed annually. There is no need to pay personal income tax on maternity capital.

Are there any pitfalls?

Developers offering such a serious discount are not doing it out of altruism. Housing at “double the mat. capital” usually has a more inflated final amount, and when buying with a mortgage, a higher than the market average down payment amount. The housing itself may be located in an inconvenient location, on the outskirts of the city, which encourages the seller to attract buyers with discounts.

Increasing maternity capital only works if the notorious discount of 933 thousand rubles. is about 10-15% of the total cost of housing. It is prohibited to purchase housing worth one and a half million rubles for 600,000 rubles, which means you will have to pay attention to larger and more expensive real estate properties. Therefore, it is necessary to soberly assess your financial capabilities.

To avoid financial losses, you need to estimate the amount of the down payment and the interest rate on the mortgage. Even if the developer offers a “beneficial” offer, for example, to distribute the amount of the initial payment over the entire payment period, then this is beneficial only for him. For the buyer, there is a risk of receiving two loans instead of one: the first - to pay directly for the mortgage loan, the second - to repay the amount of the original loan.

Who can receive maternity capital

Maternity capital is issued for children born or adopted. The right to maternal capital is valid from January 1, 2007 - if the child was born or adopted earlier, then it will not be possible to receive maternal capital. Here's who can qualify for government assistance:

Mother
- if she is a Russian citizen and has not been deprived of parental rights.
Father
- if the child’s mother died or was deprived of parental rights. The father's nationality does not matter.
Adoptive parent
- if he is a citizen of Russia and the child was adopted no earlier than January 1, 2007. Maternal capital will also be issued for the first adopted child if the court decision on adoption came into force on January 1, 2021.
The child himself
- if the parents or adoptive parents have died or been deprived of parental rights. The child must be a citizen of Russia, although he can live in another country. If the child is an adult, he himself submits an application for maternity capital; if not, the guardianship authorities do this for him.

Other relatives and guardians are not entitled to maternity capital.

What you need to pay attention to after receiving family capital

There are some points that every owner of maternity capital needs to know about. Namely:

You can only receive the certificate once;
If the amount of maternity capital begins to be indexed again and changes every year, then there is no need to change the certificate;
The law did not establish a time limit for receiving capital. After the birth or adoption of a second child, the applicant can apply to the Pension Fund at any time;
An application for disposal of maternity capital funds can be submitted at any convenient time;
Maternity capital funds are not taxed;
The certificate will only be valid upon presentation of a passport with it;
The certificate expires in the following cases:
Deprivation of parental rights of the owner in relation to the child, with whose birth the right to receive capital arose;
In connection with the commission of a crime by the owner against his children;
When using funds in full.
If for some reason the certificate is lost, you can always get a duplicate;
Funds can be transferred only in non-cash form, and only for purposes established by law. Any attempt by the owner to cash the certificate is considered illegal, and he will be charged with misuse of public funds.

Having such important information, you can use your capital without unnecessary hassle and for its intended purpose.

Where can you send maternity capital?

The law strictly defines the purposes for which maternity capital can be spent. These are education, a funded pension for the mother, improved housing conditions, monthly payments for low-income families, and goods and services for the adaptation of disabled children. You cannot buy a car, building materials or pay for an operation.

You can choose one direction or distribute maternity capital for different purposes - the law allows this. For example, leave part of it for a funded pension, send part to pay for the child’s education, and send part to improve living conditions. You can change your goals at any time until all your capital has been used.

An application for the distribution of maternal capital funds is submitted to the Pension Fund. You can do it in person, then the form will be issued at the branch, or through the official website of the Pension Fund or State Services. True, you will still need to come to the Pension Fund office with your passport and SNILS within five days after submitting your application online and sign the documents.

Sample of filling out an application for disposal of maternal capital

Pay for education

You can pay for a kindergarten, school or university, pay for clubs, courses, developmental programs and the child’s accommodation in a hostel. In this case, it does not matter which child “helped” to receive maternity capital - the money can be spent on any child in the family or on several at once. For example, a third child was born in a family, the second is still in school, and the first is already entering college. The mother can pay for the school activities of the second child and pay for university tuition and hostel fees for the first.

If the child is an adult, then you can use the money until he is 25 years old. After this age, you won’t be able to get maternity capital; it will “burn out.”

Required conditions:

the educational institution must be located on the territory of Russia, have a license to provide educational services and be a legal entity - private institutions and individual entrepreneurs are not suitable;
At the time of receiving the money, the child must not be more than 25 years old and must be a full-time student at an educational institution.

If parents receive compensation from the local budget for paying for kindergarten, then the amount minus this compensation will be allocated from maternity capital.

The pension fund will transfer money for the entire period specified in the agreement. If the child stopped studying or moved out of the hostel before the end of the contract, the mother must write a statement of refusal to send money and indicate the reason. For example, in connection with the expulsion of a child from university.

The pension fund transfers money to the account of the educational institution for about two months, so you need to conclude an agreement in advance.

Improve living conditions

Improving living conditions is the purchase of a new home, construction or reconstruction of a house or cottage. Repairs and the purchase of building materials are not considered an improvement in living conditions; maternal capital cannot be spent on this. Gasification of the house and installation of water supply, oddly enough, is also not an improvement; maternity capital will not be issued for such purposes.

How you can use maternity capital:

add to your own savings and buy an apartment;
use it to repay a housing loan;
make a down payment on a mortgage;
compensate for construction costs if the house has already been built;
pay an entrance fee to the developer if you are participating in shared construction;
pay the amount or part thereof under a shared construction agreement.

They do not give out money in person - the Pension Fund transfers the required amount to the bank, development company, contractor or individual who is selling the apartment. An application for the disposal of maternal capital can be signed at the bank, when applying for a mortgage or repaying a debt. The bank itself will transfer the information to the Pension Fund.

You can only receive cash capital in one case - if you are building or reconstructing a house yourself. Then they will transfer you up to 50% of the amount for construction, and after six months they will check what you built with this money. If the box of foundation, walls and roof is already ready, or the old house really gets bigger, the second part of the capital will be issued.

If a third child is born in the family, then you can add 450,000 rubles to the maternity capital, which the state gives to repay the loan. We told you how to get them.

Nuances you need to know:

Matkapital can be used to pay off a mortgage if the loan agreement is signed to the husband.
And even if it was concluded long before the birth of the child.
The money can be used to build a house or cottage on a garden plot. Ownership of land is mandatory.
There is no need to obtain a building permit - just submit a notification to the urban planning department of the city administration that the family will build a house. Forms have been developed for notifications; they must be filled out without errors or omissions, otherwise they may not be accepted.
Mortgages using maternal capital can only be issued in Dom.rf, licensed banks, credit and agricultural consumer cooperatives that have been operating for at least three years. The date that matters is March 29, 2021. If you took out a loan not from a bank, but from an employer, a private lending company or an MFO after this date, you will not be able to repay the debt with maternity capital. For contracts executed before the 29th, the restriction does not apply; maternity capital must be issued.
If in order to purchase a new home it is necessary to sell the old one in which the children had shares, then the consent of the guardianship and trusteeship authorities will be required.
You cannot use maternal capital to purchase housing that has been declared in disrepair or unfit for habitation.
It will not be possible to pay fines, commissions or penalties for late loans with Matkapital.
Housing purchased with the help of maternal capital must be registered as the common property of all family members, and shares must be allocated to children.
You can buy housing using maternal capital in any region of Russia, regardless of where the certificate was issued.

For mortgage loans using maternal capital, banks offer reduced rates - from 5% per annum. You can refinance your mortgage with another bank if part of the loan was repaid with maternal capital. True, not everyone agrees to such a deal - difficulties may arise with allocating shares in the apartment to children. You need to check with a specific bank to see if they will do such refinancing.

Mortgage calculator and bank selection

Maternity capital alone is not enough to buy a home. To buy a house, we also took advantage of the “Young Family” program of the city of Yalutorovsk. We waited our turn for almost 3 years. In 2021, when my first son turned 6 years old, the turn finally came. The certificate for the program amounted to just over a million, and the maternity capital for the second child was 453,000 rubles. It turned out to be 1,497,000 rubles.

At the same time, I had to fight a little with the bureaucracy. My second child was born in the Krasnoyarsk Territory, and I received a certificate for maternity capital there. And then we moved and decided to use the certificate in the Tyumen region. Therefore, I wrote an application for the disposal of maternal capital funds and sent it to the Krasnoyarsk Territory. The regional Pension Fund reviewed the application, allowed the use of maternity capital funds and transferred them to the Tyumen Pension Fund.

What and how can you spend maternity capital? Instructions

On March 12, 2021, a law came into force that introduced many innovations to the state maternity capital program. Now it is also accrued for the first child born or adopted after January 1, 2021. The program itself has been extended until the end of 2026. In addition, the Russian Pension Fund intends to increase the amount of maternity capital to 525 thousand rubles by 2023. For most Russians, this is a significant amount, which opens up many opportunities. However, according to the law, maternity capital is not issued in cash - it is a certificate that can only be spent for certain purposes and under certain conditions. Ruposters tells you where you can invest these funds and how to do it in a legal way.

What can you spend your maternity capital on?

Maternity capital is available for use three years after the birth of a child, but there are some purposes for which funds can be used immediately after the birth of the baby. This:

preschool education;
down payment or repayment of mortgage debt;
social adaptation and integration into society of disabled children.

Payments for a second child can also be spent immediately after birth or adoption.

After the child reaches the age of three, the money can be spent on:

buying a home without a loan or mortgage;
training at school, club, section, college, university;
home construction;
mother's funded pension.

From January 1, 2021, you can immediately receive a monthly payment for your second child from maternity capital funds. But it is not prescribed to everyone, but only to those whose average family income does not exceed 2 subsistence levels of the working population in the region.

Maternity capital can be spent on one goal at a time or on several, and you can also use these funds in parts. The certificate cannot be cashed, and it is also impossible to transfer funds to a current account for unauthorized use. Repayment of a mortgage or payment for educational services occurs by bank transfer, and the money goes directly to the bank. You should not even try to cash out these funds - it is illegal and may be considered fraud. And in the best case, the Pension Fund of the Russian Federation may demand the return of illegally spent amounts, and in the worst case, you face criminal liability under Art. 159.2 of the Criminal Code.

Photo: RIA Novosti / Alexey Nikolsky

What type of housing can be purchased for capital?

You can spend maternity capital on improving living conditions if the child is already 3 years old. But this only applies to buying a home. If you have a mortgage at the time of the birth of your child, you can transfer money towards the principal debt immediately. There is, however, one caveat: you must provide a notarized undertaking that the housing will be in the common shared ownership of all family members. Shares should be allocated not only to children, but also to spouses. In the event of a divorce, each of them will have the right to an apartment within their share. However, when allocating equal shares to children and parents, difficulties may arise when selling housing purchased with maternal capital.

Until the children reach the age of majority, the approval of the guardianship authorities for such a transaction will be required. You will have to prove that the child will receive equal or better living conditions as a result of the sale. At the same time, the child’s share in the purchased apartment or house should not decrease.

It is worth remembering that maternity capital cannot be spent on renovating an apartment or purchasing housing that has been declared unfit for habitation.

To send funds to pay a mortgage or purchase an apartment, you need to submit an application to the Pension Fund or MFC through the State Services portal. The application is considered within a month, and in case of refusal, the decision can be appealed to the fund itself.

How to pay for a child’s education with maternity capital

Maternity capital funds can be used to pay for your children’s education, but there is one condition: the organization in which the child is studying must be located on the territory of the Russian Federation and must have a license to provide educational services. You can spend money not only on college or university. A private kindergarten with a license to carry out educational activities, a private school, clubs, sports sections, a language camp - all this is also among the available options. It should be remembered that the child (on the date of admission to the educational institution) should not be more than 25 years old. In order to spend maternity capital to pay for services to support a child in a kindergarten, it is necessary to submit to the Pension Fund an agreement between the kindergarten and the owner of the certificate for maternity capital, which includes the institution’s obligations to support the child and the amount to be paid.

With the help of maternity capital, you can pay for a dormitory at an educational institution. To do this, you must provide a rental agreement for residential premises in a dormitory indicating the amount and terms of payment and a certificate from the organization confirming the fact of living in the dormitory. But one thing: if your child is expelled from the university for some reason, you must inform the Pension Fund about this so that maternity capital funds are not spent in vain.

How to receive monthly payments and who is entitled to them

Families that meet the following conditions can receive monthly payments:

the second (!) child was born after January 1, 2021;
The average per capita family income does not exceed two subsistence minimums.

To receive payments, you need to submit an application to the Pension Fund. Every month, the bank account specified in the application will receive an amount equal to one subsistence minimum established for children in the region for the second quarter of the previous year.

The remaining part of the maternity capital after payments can be spent on other purposes.

Application form

How to direct maternity capital funds to a funded pension

The owner of the certificate has the right to direct maternity capital to the formation of a funded pension. You can receive this money in the form of an urgent pension payment, as a funded pension or in the form of a lump sum payment.

In simple words: the duration of the urgent pension payment is determined by the mother herself, but it must be at least 10 years. In the “funded pension” option, money will be paid monthly and for life.

If you suddenly change your decision, before the day your pension is assigned, you can withdraw this money and use it for another purpose, for example, to improve your living conditions or to educate a child.

An application for sending funds to a funded pension can be submitted to any territorial body of the Pension Fund of the Russian Federation, regardless of place of residence, or to the MFC.

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Save for retirement

Maternity capital can be used to form a funded pension for the mother - all or only part. The amount is transferred to the woman’s individual savings account. When she reaches retirement age, she will be able to use the money. Or the husband or child will receive them if the mother passes away. Other relatives are not entitled to these savings.

Mom decides where to keep the money. You can leave them in the State Pension Fund, or transfer them to a non-state pension fund. If the mother decides to keep money in a non-state pension fund, then she must write an application to the Pension Fund to transfer to the selected non-state pension fund, and the Pension Fund will transfer the maternity capital or part of it there. If you change your mind, you can transfer the money back at any time before the pension is assigned.

Sample application for transfer from Pension Fund to Non-State Pension Fund

The mother herself chooses how to receive a funded pension from maternity capital:

As an increase to your pension .
The increase is calculated based on the survival period - in 2021 it is 258 months. The amount of maternity capital is divided by 258, and every month the resulting result is added to the pension. They pay for life.
Equal parts .
Matkapital is paid in equal installments every month. The minimum term is 10 years, the mother can set a term longer, but not less. How much will be paid per month depends on the amount of maternity capital. For example, the mother allocated the entire amount - 616,617 rubles - to a funded pension and ordered it to be paid over 10 years. Every month she will receive 5,138 rubles in addition to her pension.
One-time payment .
Matkapital can be received immediately in the entire amount after retirement, if the amount of the funded pension is less than 5% of the old-age labor pension. Usually the cumulative amount of maternity capital is more than 5%, so this option does not always work.

Matkapital for a funded pension is an investment. You can calculate approximately what increase in pension a woman will receive if she sends maternity capital for this purpose.

How to calculate approximate income.

For example, a 20-year-old woman gave birth to her first child in 2021. She decided to direct the entire maternity capital - 466,617 rubles - to a funded pension in a non-state pension fund. The mother will retire in 2060, and for 40 years the money will be invested in the company she chooses. The average yield of the selected non-state pension fund is 11%. The amount of savings after 40 years will be: 466,617 ₽ * (1+11%)40 = 30,330,478 ₽

Payments will be calculated from this amount:

The monthly increase
will be RUB 30,330,478/258 months = RUB 117,560.
In equal parts
over 10 years - 30,330,478 ₽/120 months = 252,754 ₽.

The calculation will be approximate, since the profitability of NPFs is different every year. You can find out the rating of NPFs on the website of the rating agency “Expert RA” or the National Rating Agency.

Select NPF

Before the pension is assigned, you can change the goal at any time and redirect the money to something else, for example, to educate your children. To do this, you need to submit an application to the territorial pension fund to refuse to send funds.

Sample application for refusal to send funds

Does maternity capital double when buying an apartment?

Doubling maternity capital in the minds of most citizens looks literally: the amount of maternity capital is multiplied by two, and the result can be used to purchase real estate. However, there are some nuances here.

The state provides a subsidy called family capital. Its size is almost the same, regardless of the case, and barely exceeds 500,000 rubles.

The payment is one-time in nature and cannot be doubled or divided in parts. These are the provisions of Federal Law No. 256.

You can spend this money for the following purposes:

Solving the real estate issue is the most popular purpose for investing money when receiving a certificate;
Education of children in higher educational institutions;
Increasing the funded part of the pension;
Treatment, rehabilitation and care for children who have been diagnosed with disabilities.

A prerequisite for receiving this subsidy is that the child reaches the age of three. However, if you already have a mortgage, the bank may make concessions and issue family capital earlier to pay off the principal amount of the debt.

What is hidden behind the sign “We will double your maternity capital when buying an apartment!”?

It's simple: the seller does not double the amount of maternity capital, but makes a discount in the amount of the certificate. If you received, for example, 450,000 rubles under a certificate, then the apartment will cost you 900,000 rubles less. And in what order to do this, we will consider below.

For adaptation of disabled children

Maternity capital can be used to purchase goods and services that help disabled children live in society. The Order of the Government of the Russian Federation defines a list of goods and services for adaptation. There are only 48 of them. You can buy wheelchairs, lifts, special baths and reading devices, but you cannot pay for therapy, diapers or medicine. The only available service on the list is the help of a reader-secretary. The list does not include nannies and nurses.

The money cannot be received immediately - first, the parents buy the goods themselves, and then send an application for payment and a report on expenses to the Pension Fund, and the Pension Fund transfers compensation to the mother’s account within 40 working days after submitting the application.

What to do before submitting an application to the Pension Fund:

Pass a medical and social examination.

The hospital where the child is being seen will issue a referral for an examination. With him, the parents go to the medical and social examination institution and write a statement that, for medical reasons, the child needs specific goods. The application must be accompanied by a referral, birth certificate or passport of the child, SNILS, certificate of disability, individual adaptation program for a disabled child (IPRA, it is developed at the medical and social examination institution), medical documents (outpatient card, extracts from medical institutions ).

The application will be reviewed and a conclusion will be issued that the goods are really needed. The application must be attached to the package of documents to the Pension Fund for payment of compensation.

The individual rehabilitation program must be valid on the date of purchase of goods or services. Otherwise, you will not be able to receive compensation from maternity capital.

Receive an inspection report from the social security authority.

It is compiled by a social security employee - you need to leave an application with social security, within five days after the application, an employee will come to your home, check whether the goods were actually purchased, and draw up an inspection report. It must be attached to the documents for the issuance of maternity capital.

How to get maternity capital

In order to receive maternity capital, you must contact the branch of the Russian Pension Fund at the recipient’s place of registration.

The appeal can be either personal or through a proxy. In this case, the representative must have a notarized power of attorney.

Undoubtedly, with the birth of a small child, mothers do not have time to visit offices, much less wait in lines. For such cases, our country operates the Gosuslugi portal, which has proven itself to be excellent. Every day the number of users of this portal is growing. You can submit an application to the pension fund while sitting at home. And visit the department on the appointed date.

To obtain a certificate you will need the following package of documents:

Application for maternity capital;
Passport of a citizen of the Russian Federation;
Birth certificates of all children; In case of adoption - adoption certificate;
A document confirming that the children have Russian citizenship. These may be stamps, or certificates from the migration service, etc.;
Documents confirming the registration of the children's legal representative or proxy.

This package of documents is standard. In some cases, the fund may request additional information. For example, in the event of the death of parents or adoptive parents, it is necessary to provide a death certificate, etc.

The pension fund satisfies almost all applications for a certificate. Refusal without compelling reasons is impossible.

The period for consideration of the application for receipt is one month. During this time, the department checks the documents and makes a decision. After approval, the pension fund is obliged to notify the recipient of the decision within 5 working days and set a date for issuing the certificate.

Once the certificate is in the hands of the applicant, he has the right to direct capital funds for purposes established by law.

Receive monthly payments

You can receive monthly payments from maternity capital if the family has a difficult financial situation. In this case, the maternity capital will decrease by the amount of payments, and annual indexation will be done on the balance. The amount of payments depends on the region, for example, in Moscow it is 15,225 rubles, and in the Leningrad region - 10,379 rubles.

If an application for payments is submitted within six months after the birth of a child, then payments will be made for all months before the application, if later - from the moment the application is submitted. The money will be transferred to the mother’s card until the child turns three years old (previously - 1.5 years). There is no need to report expenses.

If you received monthly payments according to the old rules - until the child was 1.5 years old - you need to write an application to the Pension Fund for the resumption of payments from maternity capital - the money will begin to be transferred from the date of submission of the application.

Payments will be assigned if all conditions are met:

monthly income for each family member is less than two subsistence levels in the region;
the child was born no earlier than 2021;
The baby is not yet 3 years old.

Income is wages, pensions, benefits, scholarships, and allowances. One-time financial assistance from the state, for example payments to flood victims, is not counted as income. Amounts are taken before taxes.

The minimum cost of living in your region can be found in the Pension Fund of your city or viewed on the official website.

How to calculate income per family member:

add up all family income for the last 12 months and divide the amount by 12 and the number of people in the family. If the amount is less than two regional subsistence minimums, you can make monthly payments from maternity capital.

For example, there are 4 people in a family - a mother, a father and two children. They live in Yeniseisk. The cost of living in the Krasnoyarsk Territory at the beginning of 2021 is 13,425 ₽, double - 26,850 ₽.

Family income for the year is 540,000 rubles.

540,000 ₽/12/4 = 11,250 ₽ - income for each family member.

This is less than two subsistence minimums; the mother can apply to the Pension Fund for monthly payments from maternity capital.

You can calculate the amount of monthly payments using an online calculator.

Legal advice

Recommendations from lawyers on any topic related to property transactions always focus on the same thing: you must carefully select the developer with whom you plan to enter into a transaction. And if he also offers a lucrative deal, you need to be doubly careful, because there is a possibility that the purchased property will turn out to be unfit for habitation.

To avoid becoming a victim of speculators, you need to consider the following:

The developer must, upon request, provide permits for state accreditation of construction work, as well as a document confirming the right to land (a deed of land ownership or a purchase and sale agreement for a plot).
It is recommended to read comments and reviews of people about the company on the Internet. Conscientious developers usually have a certain client base, which in reviews will tell about their personal experience with the developer.
You need to study the company's latest projects. If the developer has not yet delivered the house, the construction of which began many years ago, then it is not safe.

Even if there is no doubt about the developer’s integrity, the client may face the following problems:

The Pension Fund of the Russian Federation may refuse to dispose of maternal capital;
home loans are subject to high interest rates;
some companies may offer an illegal scheme to sell public funds before the child turns 3 years old. You should beware of such schemes, since they violate the law and threaten the customer with criminal charges.

When is maternity capital issued?

There are rules for receiving money: you can apply for payment of maternity capital only when the baby turns three years old. Immediately after the birth of a child, you can receive money only for certain purposes.

When to receive maternity capital

Where can I send

Immediately after birth

→ Monthly payments;

→ payment for kindergarten;

→ adaptation of disabled children;

→ down payment for a mortgage;

→ mortgage repayment.

After the child turns three years old

→ Buying a home with your own money;

→ compensation for building a house;

→ school tuition, payment for courses, sports and music clubs, accommodation in a dormitory;

→ house construction;

→ funded pension.

Ways to double your capital

Some developer companies accredited to work with maternity capital offer special discounts for young families.

Apartment purchase

Advantageous offer to “double” the mat. capital - purchasing a large multi-room apartment on credit. In this case, the state subsidy is used to pay off the down payment, and the buyer will only need 500,000 rubles to buy the apartment without financial costs. For large families, this is the best possible option to use maternity capital, since children will need their own rooms in the future. And also the funds saved on the mortgage will be useful for household needs in the future.

How much can you get

Maternal capital for first-born children is issued only for children born after January 1, 2021. If the first child was born on December 31, 2021, the mother does not have the right to maternity capital - this is the law.

Maternity capital for the first child - 466,617 ₽. For the second and subsequent ones more - 616,617 ₽. For example, the first child was born in the family on January 15, 2021. The mother will receive maternity capital of 466,617 ₽. If she already had a child and did not receive maternity capital before, then she is entitled to 616,617 rubles.

The amount of maternity capital does not increase if twins or triplets are born in the family. One child is recognized as the firstborn, the other as the second born. In this case, the capital will be 616,617 ₽.

The mother has the right to maternity capital; if the first child has died, the documents for the certificate will need to be accompanied by a birth certificate of the deceased child. Then, at the birth of the second child, the amount of maternity capital will be maximum - 616,617 rubles. It happens that a child dies in the maternity hospital and there is no birth certificate, only a registration certificate. In this case, you won’t be able to get maternity capital; you just need a birth certificate.

Adopted children are considered equal to their own children. If a family adopts a child, the mother can receive maternity capital - if this is the first child, then 466,617 rubles, if the second or third - 616,617 rubles. There is a nuance: maternity capital is not provided for the adoption of a husband’s or wife’s children (stepchildren).

"Young Family" and "Maternity Capital"

Undoubtedly, the first problem that newlyweds have to face is the housing issue. Unfortunately, only a few can afford to buy an apartment or house with their savings or with their parents’ money. Most young families do not have this opportunity, and they have to decide the issue on their own.

In order for young families to live in normal conditions, raise and raise children, the state decided to introduce a program called “Young Family”. Its validity period is from 2021 to 2021.

The state program is designed to help young families. In particular, they are provided with benefits when purchasing an apartment or house.

The uniqueness of the program is that in different regions of the country, its conditions will differ.

However, there are still general requirements. These include:

Age of spouses . This condition is one of the most important. According to the provisions, at the time of applying for participation in the program, each spouse must not yet be 35 years old.
Participants must have a document in their hands, received from the district administration , indicating that the family is considered officially in need. In other words, if real estate is registered in the name of one of the spouses, then the family naturally will not be able to count on subsidies. In addition, the administration is investigating living conditions.
The level of income of a married couple does not go unnoticed . In order for participation in the “Young Family” program to become possible, spouses must have not only savings to pay the down payment, but also a sufficient level of wages to pay the loan installments.

Thus, after registering in the program, participants receive a certificate indicating that they are entitled to receive a subsidy in the amount of 30% to 35% of the purchase of the purchased home. This certificate is also called “ Housing ”.

Please note that you do not have to have children to take part in the program. Childless couples will receive a smaller subsidy.

The most advantageous situation is for families with two or more children. The thing is that they can have in their hands not only a “ Housing Certificate ”, but also “ Maternity Capital ”, as well as “ Regional Family Capital ”.

As for “Regional Capital”, each corner of the country has its own conditions for receiving and the amount of payments. In many regions, for the birth of a third and subsequent children, they can allocate, for example, land plots for construction. In any case, to obtain such a certificate, you must contact the local administration.

The issue of “Maternity capital” requires more careful consideration. There are a huge number of nuances that should be taken into account not only when distributing funds, but also when using various certificates simultaneously.

How to obtain a certificate

You can apply for a certificate for maternal capital at any time, even if the child is already 10 years old - the law does not limit the submission period. The place of registration is also not important - at the place of birth of the child, at the place of permanent or temporary residence.

From April 15, 2021, the certificate is issued automatically at the birth of a child. The electronic certificate will be located in the mother’s personal account on the website of the Pension Fund or State Services. You do not need to print it out to confirm your right to maternity capital - the number and details of the owner will be in the Pension Fund database.

Families with adopted children do not automatically receive a certificate; they will need to write an application to the Pension Fund for the issuance of a certificate.

The Pension Fund will notify you of the decision one day after receiving the application and will issue a certificate within 15 days. From 2021, certificates will be issued within five days, as stated in the law.

What is maternity capital equal to in 2021?

Maternity capital per child in 2021 was indexed by 3.7%. In 2021, it was increased for the first time in the last five years. According to the head of the Ministry of Labor Olga Batalina, from 2021 indexation of maternity capital will be carried out annually.

The maximum amount of maternity capital is 639.4 thousand rubles.

1) 483.9 thousand for the second child will be received by a family in which the first and second child were born before 2021;

2). 639.4 thousand rubles. they will give for a second child if the first was born before 2021, and the second after;

3). In a family where two children were born after 2021, 483.9 thousand rubles will be given for the first-born, and 155.5 thousand rubles can be received from the state for the second-born.