Maternity capital 2021. Full description of the program. What has changed and how to use it correctly?

Maternity capital is a government program designed to provide support to families. Russian citizens who have a second child can count on it. Undoubtedly, the creation of such a program served as an impetus to the fact that the country's population is not afraid to give birth to a second or third child. However, the program does not stand still. It is constantly updated and supplemented. In order to properly use capital funds, you need to know and understand what “Maternity capital” is? Where can it be sent? And what changes have occurred for 2018?

"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:

1. 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.
2. 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.
3. 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.

What is “Maternity capital”

“Maternity capital” is a state-issued certificate issued to any Russian family that has a second child.

It should be noted that the state does not establish by law the deadlines for when exactly a certificate must be obtained. It can be issued at any time. Moreover, the program has been extended until December 31, 2018.

In order to become the owner of family capital, you must meet the following conditions:

1. The mother gives birth to her second child. Moreover, after January 1, 2007;
2. The mother had a third and subsequent child after January 1, 2007, but maternity capital was not previously registered;
3. A man can also have maternity capital, but if he is considered the adoptive parent of a second or subsequent child after January 1, 2007;
4. If the father is recognized as the only parent due to the death of the mother, deprivation of her parental rights, or if the mother committed crimes against her children, then in such cases the father may also be the owner of the certificate;
5. A mother can apply for maternity capital if the father of her children has died, been deprived of parental rights, or committed a crime against his children;
6. A minor child under the age of 18 can also apply for maternity capital in cases where he was left without the care of parents who had the right to receive a certificate;
7. A minor under the age of 23 who is left without parental care and is studying full-time at an educational institution can obtain a certificate. Moreover, no other additional professional education programs are applied to it.

If the recipient meets at least one of the conditions for the issuance of maternity capital, then he should contact the pension fund department at his place of residence.

It is also worth noting that the amount of maternity capital today is 453,026 rubles. This figure has not changed since 2021. Years earlier, the amount of maternity capital was subject to indexation and increased in accordance with rising inflation.

For comparison, in 2007 the amount of capital was 250,000 rubles, and in 2015 it was already 453,026. In October 2021, the Ministry of Labor and Social Protection made a proposal to freeze the indexation of maternity capital for the period 2017-2020.

In simple words, the amount of maternity capital will not grow in the coming years, so the procedure for registering and using certificate funds at the moment is not without meaning.

It's not over yet

For a long time there were persistent rumors that the maternity capital program, which was originally designed for ten years and then extended, was coming to an end. But now you can calm down for a while - certificates will be issued to families in which their second or subsequent children were born and will be born until December 31, 2021. So those wishing to obtain the right to maternity capital still have time. But you can apply for a certificate and use maternity capital even after the program expires.

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.

Bad news

In 2021, there were many rumors about the indexation of maternity capital, increasing its size, payments of an additional 250 thousand rubles at the birth of a second child by a mother under 35 years old, permission to use funds to buy a car, etc. All of them were pleasing to the ear and encouraging, however, they remained just rumors.

And the reality is this:

• So far it has been officially stated that until January 1, 2021, indexation of maternity capital will not be carried out. Now the amount of payments is 453,026 rubles. She will remain this way for now. This is, of course, sad. After all, if indexation were carried out following inflation and fully compensated for it, then now maternity capital would already amount to more than 500,000 rubles.

• There will be no one-time payments of 12, 20 or 25 thousand, which were made in previous years, with the opportunity to spend them on any family needs in 2021.

• The law allowing maternity capital to pay for the purchase of a car has still not been adopted and it is unknown whether it will be adopted in the foreseeable future.

How can you use maternity capital funds?

The question of how and when to use maternity capital funds concerns not only every certificate holder. This item is constantly being considered by the government of the country.

New proposals on where else maternity capital can be directed are constantly coming to the government. However, today the situation looks like this.

Maternity capital funds can only be used for areas established by law:

It is important to remember that maternity capital funds can only be used in the above areas. Any other ways of using the certificate funds, including cashing it out, are considered illegal and may result in criminal liability.

Changes and latest news

In 2021, maternity capital for 2 children will undergo several significant changes , but the very essence of the program will remain unchanged. New opportunities for program participants will include:

• receiving money in cash in an “updated format” of monthly payments (though only to needy families on newly issued certificates and only for the second child born from January 1, 2021 , until he reaches 1.5 years old);
• also obtaining the right to use a certificate up to 3 years of age to pay for childcare services in kindergarten.

All this is evidenced by the latest news regarding the further operation of the state MSK program:

• On June 1, 2021, the Ministry of Labor proposed to extend the state program under current conditions until 2023. The Government is also discussing a number of measures aimed at encouraging women who give birth to their first child before the age of 25 and the second before the age of 30. The Ministry of Finance and the Ministry of Economic Development oppose the extension of maternity capital after 2021 and propose issuing certificates only to needy families in regions with low birth rates.
• On June 29, 2021, Speaker of the Federation Council V. Matvienko noted that together with her colleagues the issue of issuing part of the maternity capital funds in hand is being studied, but it is necessary to carefully work out the corresponding mechanism. However, a month earlier, regarding one-time payments from maternity capital, the head of the Ministry of Labor M. Topilin stated that their provision in 2021 is not planned and funds are not provided for this in the budget.
• On June 29, 2021, Prime Minister D. Medvedev confirmed at a Government meeting that there are no plans to return to the issue of discussing the indexation of the amount of maternity capital before January 1, 2020.
• On September 6, 2021, M. Topilin reported at the Eastern Economic Forum that there is no agreement yet on the extension of the maternity capital program with the economic bloc in the government.
• On September 12, 2021, another proposal from deputies, submitted for discussion on March 17 of this year, on the possibility of purchasing a car using maternity capital funds, was rejected. This proposal received a negative opinion from the Government.
• On November 28, 2021, Vladimir Putin, at a meeting in the Kremlin, announced the decision to extend maternity capital after 2021 for at least another 3 years. Therefore, the program completion date has now been moved to December 31, 2021 . In addition, from 2021, two new opportunities for using the certificate will appear: monthly cash payments from maternity capital in the amount of one subsistence minimum to needy families for the second child born after January 1, 2021 , until he reaches 1.5 years of age;
• the opportunity to use the certificate, without waiting for 3 years, to support children in preschool educational organizations (child care and supervision in kindergartens).

On December 28, 2021, Vladimir Putin signed the relevant laws: No. 418-FZ on monthly payments and No. 432-FZ on the extension of maternity capital, which will come into force on January 1, 2021.

250 thousand to maternity capital in 2021

Recently, the topic of additional payment to maternity capital in 2021 . Moreover, even the details of this measure are revealed regarding the amount of the surcharge and who is entitled to it. The amount indicated in the discussions is announced at 250 thousand rubles. It is also reported that this money was promised by the Government as an additional payment to maternity capital for women who gave birth to a second or subsequent child under 35 years of age.

It’s worth noting right away that such statements about an additional payment of 250 thousand to maternity capital in 2021 are nothing more than a “duck”, the meaning of which is completely lost upon detailed examination. This issue is not being considered and is only the subject of rumors.

Moreover, this measure contradicts the goals of the maternity capital program, since in no way can it stimulate the birth rate in Russia. After all, in fact, we are talking about a second child for women of this age (35 years old), when the decision to give birth or not will be made by them without any additional payments .

If we really talk about active measures to increase the birth rate, then it would be worth paying attention to women who decide to give birth to their first child before the age of 25 or a second child before the age of 30 . This problem really exists, since at the moment very few of the 1990s generation are entering childbearing age. And it is this issue that is now being really carefully considered by the Government.

In particular, in November 2021, Vladimir Putin announced the introduction from January 2021 of a new monthly benefit for the birth of the first child until he reaches the age of 1.5 years, which is a fundamentally new approach to social support for families with children (previously, such payments were only due at the birth of the third child, that is, social protection measures were mainly aimed at large families ).

How to get a mortgage under “Maternity capital”

According to the pension fund, during the duration of the maternity capital program, most of the certificate holders allocate funds to improve housing conditions. This could be either buying a house or apartment, or taking out a mortgage.

Many families also take out a mortgage loan because the capital can be used without waiting for the second child to turn 3 years old.

In addition, next year families with a second and subsequent child will be able to get a mortgage at 6% per annum. Anything above this threshold will be paid by the state. Such benefits will be possible thanks to the mortgage subsidy program.

So, in the case of a mortgage, capital can be directed:

1. To pay off the principal debt on a mortgage loan;
2. To pay interest under a loan agreement;
3. As a down payment when taking out a mortgage loan. This item has become possible since 2015.

It is worth noting that the owner of the certificate can apply for a mortgage loan using maternity capital only in banks. Capital payment of fines, various commissions and penalties on previously issued housing loans is not allowed.

In order to use capital to pay the principal or interest on an existing mortgage agreement, the applicant must contact the Pension Fund of the Russian Federation with the necessary package of documents. Namely:

1. Statement;
2. SNILS, passport of a citizen of the Russian Federation, certificate. Since February 2015, a certificate form is not required;
3. A copy of the loan agreement registered with the Federal Registration Service;
4. A certificate from the bank about the amount of principal and interest under the mortgage agreement;
5. Certificate of ownership;
6. A notarized obligation of the homeowner to provide a share to all members of his family;

This list of documents is not exhaustive. It can be updated and supplemented.

As for the down payment on a mortgage, maternity capital in this case can be used in the same way, without waiting for the child to reach the age of 3 years. The list of documents will be slightly different, but the standard package of documents will remain unchanged.

Today, mortgage interest rates have dropped significantly. For example, at Sberbank you can become a participant in the “Mortgage + Maternity Capital” program and get a loan at 7.4% per annum. In addition, the bank makes it possible to reduce the rate to 2 points by taking out insurance and concluding agreements with the bank’s partners.

It is worth noting that having a “Housing Certificate” and “Maternity Capital” in hand, many families ask the question: “Is it possible to use both documents without applying for a mortgage?” Our answer is “No”. The whole point is that a citizen can address the issue of improving their living conditions only once.

In order to use both capital correctly, there is no need to rush. First, you need to use the “Housing Certificate”, and then use the capital funds to repay the principal debt or interest under an existing contract.

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:

1. You can only receive the certificate once;
2. If the amount of maternity capital begins to be indexed again and changes every year, then there is no need to change the certificate;
3. 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;
4. An application for disposal of maternity capital funds can be submitted at any convenient time;
5. Maternity capital funds are not taxed;
6. The certificate will only be valid upon presentation of a passport with it;
7. The certificate expires in the following cases:
   In case of death of the owner;
8. Deprivation of parental rights of the owner in relation to the child, with whose birth the right to receive capital arose;
9. In connection with the commission of a crime by the owner against his children;
10. When using funds in full.
11. If for some reason the certificate is lost, you can always get a duplicate;
12. 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.

Cash payments

This method of spending MK differs from all those described above in that maternal capital funds can be monetized and spent for any purpose at the discretion of the recipient (family). Families have the right to receive monthly payments from maternity capital if two conditions are simultaneously met:

• the second child was born or adopted after January 1, 2018;
• monthly income for each family member for the 12 months preceding the month of applying for MK does not exceed 2 subsistence minimums for the working-age population in the region (previously, the income threshold was set at 1.5 subsistence minimums).