How many times in your life can you receive a maternity certificate?

According to the law, a maternity capital certificate is issued only once.

How soon after the birth of a child should I go to the Pension Fund to issue a certificate?

The period when you can apply to the Pension Fund for a state certificate for maternity (family) capital after the birth of your second (third and subsequent) child is not limited. There is no need to rush to do this immediately after leaving the maternity hospital with your child. An application for the disposal of maternity capital funds can be submitted at any time after two years and six months from the date of birth of the child, with the exception of the case when MSC funds are used to repay housing loans.

Is it possible to spend maternity capital funds on the education of the first (eldest), and not the second child?
- Maternity capital is provided not to a specific child, but to parents as additional measures of state support for families with children. Therefore, it is up to the whole family to decide how to spend these funds. And as the same law interprets, funds or part of the funds of maternity capital can be used to obtain education for both the natural child and the adopted child, including the first, second, third and subsequent children.

Is maternity capital required if the second child is adopted?

Yes, when determining the right to receive maternity capital, adopted children are considered equal to their own children. That is, according to Article 3 of Federal Law No. 256, women who gave birth or adopted a second child starting from January 1, 2007, women who gave birth to or adopted a 3rd child or subsequent children starting from January 1, 2007 have the right to additional measures of state support. , if they have not previously exercised the right to receive a certificate.

If a family has twins or triplets, does the size of the MSC double or triple?

The recipient of maternity capital is not a child, but an adult, usually a mother. And from the point of view of obtaining maternal (family) capital, it does not matter which of the twins or triplets will be declared the “second” child. A family can spend the same amount of maternity capital, for example, on the education of each of them. The amount of maternity capital does not double or triple.

Can maternity capital funds be used for several purposes at once? For example, should part be used to educate the child, and part to form a funded pension for the mother?

Yes, according to the law, maternity capital funds can be distributed simultaneously in several directions.

Is it possible to “cash out” a certificate for maternity capital, that is, to get “real money” for it somewhere?

No, you cannot receive cash using the certificate. You can use funds from maternity (family) capital for three specific purposes: to improve housing conditions (purchase, construction of residential premises, payment of a down payment, repayment of the principal debt when receiving a loan, including a mortgage, for the purchase or construction of housing); for the education of children in any educational institution on the territory of the Russian Federation that has the right to provide paid educational services; for the formation of the funded part of the labor pension of the mother who is the owner of the certificate.

Who is eligible to receive additional government support measures?

Persons entitled to additional measures of state support:

a woman with Russian citizenship who gave birth to (adopted) a second or subsequent children starting from January 1, 2007;
a man who has Russian citizenship and is the sole adoptive parent of the second or subsequent children, if the court decision on adoption entered into legal force starting from January 1, 2007;
the father (adoptive parent) of the child, regardless of the citizenship of the Russian Federation, in the event of termination of the right to additional measures of state support of a woman who gave birth (adopted) children, due, for example, to death, deprivation of parental rights in relation to a child, in connection with the birth (adoption) of which arose the right to additional measures of state support, the commission of an intentional crime against a child (children) and other reasons established by the Federal Law of December 29, 2006. No. 256-FZ;
a minor child (children in equal shares) or a full-time student who has not reached the age of 23, upon termination of the right to additional measures of state support for the father (adoptive parent) or a woman who is the only parent (adoptive parent) in cases established by Federal Law .

- Our mother sold her house and land in the village of Troitskoye. We want to add maternity capital to that cash and buy an apartment for cash in Elista. Is this option possible?

You can buy an apartment using maternity capital funds when your child reaches three years of age, in connection with whose birth you received a state certificate for maternity (family) capital. In accordance with current legislation, maternity capital funds are sent by non-cash transfer to the legal entity or individual selling the apartment.

However, the purchase and sale agreement must necessarily include a clause that stipulates the order in which funds for the purchase of an apartment, including maternity capital funds, will be transferred. That is, the timing of the transfer of funds and their exact amount must be indicated, which the territorial Office of the Pension Fund of the Russian Federation will help you calculate. In addition, the contract must indicate the bank details and the seller’s account.

We are going to take out a loan to buy an apartment. Is it possible to use maternity capital funds to pay the down payment on this loan?

Yes, you can. Maternity capital funds can be used to pay the down payment on a housing loan or loan immediately after the birth (adoption) of a second or subsequent child.

Is it possible to purchase building materials with maternity capital funds?

The use of maternity capital funds for the purchase of building materials is not provided. However, with the help of maternal family capital, you can pay for the services of a contractor with whom you have a construction contract.

To do this, you must provide the territorial body of the Pension Fund with:

a copy of the construction permit;
a copy of the construction contract;
a written obligation of the person (persons) for whom the construction permit is issued, certified in the manner established by the legislation of the Russian Federation (notarized), to register the residential premises as the common property of all family members within 6 months after the commissioning of the facility;
original or duplicate of the certificate;
passport.

Have you heard that maternal capital can be spent on buying a domestic car? When will this opportunity be available?

Today, according to clause 3 of article 7 of the Federal Law of December 29, 2006. “On additional measures of state support for families with children,” funds (part of the funds) of maternal (family) capital can be disposed of only in 3 directions:

To improve living conditions.
For the child(ren) to receive education.
Formation of funded pensions for women.

For the purchase of goods and services for social adaptation and integration into society of disabled children, by compensating the costs of purchasing such goods and services.
The law does not provide for the allocation of funds (part of the funds) of maternal (family) capital for the purchase of a car.

Can maternal capital funds be used for a child’s surgery?

The legislation does not yet provide for such a possibility. At the moment, maternity capital funds can be used in 4 areas: for education, purchase of housing, purchase of goods and services for social adaptation and integration of disabled children into society, and also put towards future pensions.

Is it possible to change the direction of disposal of maternity capital funds after writing an application? For example, the application states that the funds are used to improve living conditions, but it is more important to pay for the child’s education at the institute.

Yes, this can be done by canceling the first application and submitting a new application to the territorial body of the Pension Fund. However, such an application must be made within the same period as the application for disposition.

An ultrasound showed that I was expecting twins. These are my firstborns. Do I have the right to receive maternity capital?

Yes, you have. After the birth of children, you must apply to the Pension Fund to receive a state certificate for maternal family capital (MSC). But keep in mind that you can only use the right to receive it once.

Did you give birth to a child a year ago, but didn’t apply to the Pension Fund to obtain a certificate for the ISS? Will my money get burned?

The period when you can apply to the Pension Fund for a state certificate for maternity (family) capital after the birth of your second (third and subsequent) child is not limited. An application for the disposal of maternity capital funds can be submitted at any time after two years and six months from the date of birth of the child, with the exception of the case when MSC funds are used to repay housing loans.

Our large family could use a car, since using public transport is very expensive. Is it possible to borrow a car for a family using maternity capital?

Unfortunately, the law does not provide for such a possibility.

What is meant by improving living conditions? Is it possible to use maternity capital to install water supply and gas?

Improving living conditions only means purchasing or constructing housing. In this regard, despite the fact that gasification of the house and installation of water supply certainly improve the living conditions of the family, federal law does not allow the use of maternity capital funds for these purposes.

Do I need to pay tax on maternity capital?

No. Maternity capital is exempt from personal income tax.

I am the mother of two children. She received a certificate for maternal (family) capital in 2008. Will the application of Federal Law No. 256 continue to apply to legal relations arising in connection with the birth of a child after December 31, 2016? In what time frame can I dispose of MSC funds under the certificate issued to me in 2008?

In accordance with Federal Law No. 256-FZ dated December 29, 2006, the right to additional measures of state support in the form of MSK arises in connection with the birth (adoption) of a child (children) during the period from January 1, 2007 to December 31, 2021.

At the same time, the period for disposing of funds (part of the funds) of MSC is not limited by current legislation.

In what cases can they refuse to issue a maternity capital certificate?

Main reasons for failures:

1. The child or woman does not have citizenship of the Russian Federation.

2. A woman applying for a certificate:
- deprived of parental rights in relation to a child, in connection with whose birth the right to additional measures of state support arose;
- committed an intentional crime against her child (children), related to crimes against the person;
- in relation to her, there is a cancellation of the adoption of a child, in connection with whose adoption the right to additional measures of state support arose.

3. The applicant provided false information about the order or date of birth of the children. The decision to refuse to issue a certificate can be appealed to a higher authority of the Pension Fund of the Russian Federation or in court.

I am the owner of a maternity capital certificate. This year, the eldest son entered college, but did not get into the budget department. Can our family pay for his education using maternity capital? And what if in the future he wants to change universities?

Maternity capital is issued not to a specific child, but to a family. Thus, with its funds you can pay for the education of your older child in a higher or secondary educational institution; schoolchild - in a private school or pay for the maintenance of a preschooler in kindergarten. Families' needs vary. But one condition remains unchanged - the educational institution must be located on the territory of Russia and have state accreditation to provide educational services. It is important that capital can pay for both the education itself and the costs of paying for a child’s stay in a hostel. The law allows this to be done, limiting only the age - at the start date of training it should not exceed 25 years.

What documents will be required?

a written statement on the disposal of funds (part of the funds) of maternity capital;
maternity capital certificate or its duplicate;
identification documents, place of residence (stay) of the certificate holder;
children's birth certificates;
a copy of the contract for the provision of paid educational services certified by the educational institution, which specifies the procedure for paying for studies at the educational institution;
If capital funds will be used to pay for accommodation in a hostel, you will need:

rental agreement for residential premises in a dormitory (indicating the amount and terms of payment);
a certificate from an educational institution confirming that the child is living in a dormitory.
What to do if suddenly a child wants to change college? Maternity capital funds (or part of them) are transferred in non-cash form to the university account. The agreement with the educational institution specifies a payment schedule - payment is made once a semester or once a year. If the educational institution changes, the owner of the certificate will again enter into an agreement with the new university and transfer funds to the account of the new institution of the Pension Fund of Russia.

It should be remembered that funds can be disposed of when the child who brought maternity capital to the family turns 3 years old. Also, MSC funds can be used entirely for the education of one child, or divided into parts (for different children), or partly to pay for education, and partly used to improve living conditions or the mother’s pension.

I heard on TV that maternity capital will soon be abolished. And I didn’t even have time to use his funds. My second child was born in 2009...

The information that appeared in a number of federal media that you need to use maternity capital before 2016 is not true.

To obtain the right to maternity capital, it is really necessary that the child who gives the right to the certificate be born before December 31, 2021. However, the receipt of the certificate and the disposal of its funds are not limited by time.

Thus, families entitled to maternity capital should not rush to dispose of it, especially considering that the amount of maternity capital is indexed annually. If in 2007 its size was 250 thousand rubles, then in 2018 it was almost 453 thousand rubles.

Let us remind you that you can dispose of funds (part of the funds) of maternal (family) capital no earlier than three years from the date of birth (adoption) of the second, third and subsequent children.

The exception is the use of maternal (family) capital funds to pay the down payment on a housing loan or repay the principal debt and pay interest on loans or borrowings, including mortgages, for the purchase (construction) of housing. In this case, maternity capital funds can be used without waiting for the second child to reach the age of three, and regardless of the date of conclusion of the loan agreement.

Maternity (family) capital funds can be managed in full or in parts in the following areas:

Improving living conditions:
Funds (part of the funds) of maternal (family) capital can be used for the purchase (construction) of residential premises. Including:

purchase of residential premises or an individual residential building;
construction of a residential building with the involvement of a construction organization;
construction or reconstruction of individual residential premises without the involvement of a contractor;
compensation for the costs of construction or reconstruction of an individual housing construction project;
payment of a down payment when obtaining a loan or loan, including a mortgage, for the purchase or construction of housing;
repayment of principal and interest on loans or borrowings, including mortgages, for the purchase or construction of housing;
payment for participation in shared construction;
payment of the entrance fee as a participant in housing, housing construction, and housing savings cooperatives.
Condition: the purchased residential premises must be located on the territory of the Russian Federation.

Getting a child's education:
Funds (part of the funds) of maternal (family) capital can be used for the education of a child (children) in any educational institution on the territory of the Russian Federation that has state accreditation, as well as for the maintenance of a child (children) in a kindergarten (any educational institution that implements the basic general education program of preschool education or basic educational programs of primary general, basic general and secondary (complete) general education). The funds can be used for the education of any of the children in the family when the need for education arises. In this case, the child’s age at the start date of education should not exceed 25 years.

Formation of a funded pension for women:
Funds (part of the funds) of maternal (family) capital can be used to form a woman’s funded pension by submitting an application to the territorial body of the Pension Fund. You can also direct funds (part of the funds) of maternal (family) capital to a funded pension to a non-state pension fund (private management company).

- It seems to me that Pension Fund employees are somewhat picky about accepting documents for the use of maternal (family) capital funds.

Representatives of the territorial bodies of the Pension Fund of the Russian Federation make a decision on the application for the disposal of MSC funds only in accordance with the norms of Federal Law No. 256-FZ “On additional measures of state support for families with children.”

If specialists see any deviation in the list of documents, or, say, a discrepancy between the dates of signing the purchase and sale agreement and the date of registration of the mortgage loan, or the loan is not intended, this gives the employee of the Pension Fund of Russia the right to refuse the order.

It is necessary to understand that the specialist accepting the documents takes responsibility for a positive or negative decision. If all the documents are submitted, then this package is checked at least twice by specialists in the Pension Fund Office, and in some cases, in our regional office. If the application is granted, we are talking about the use of federal budget funds. Therefore, it is necessary to thoroughly study all the documents, and the decision taken by the territorial body of the Pension Fund of the Russian Federation must always be based on the current federal legislation.

Funds under the certificate can be used upon reaching the age of 3 by a child whose birth gave the family the right to maternity capital. Without waiting for the child’s third birthday, you can use the funds to pay off the debt on a loan for the purchase or construction of housing. Let us add that with the help of a certificate, a family can buy an apartment or an individual residential building, exchange existing housing for a larger area; build an individual residential building with the involvement of a construction organization or on your own; improve living conditions through participation in shared construction, participation in a housing cooperative; use them to repay housing loans, including mortgages (to pay the down payment and principal and interest on the loan).

However, it must be remembered that housing purchased using maternity capital must be registered as the common property of parents and children with shares determined by agreement.

I wanted to ask: if we bought a house using funds from maternity capital, is it possible to sell the house?

If you have drawn up a notarial obligation to register housing as common property for all family members, then you must fulfill it. Further actions to dispose of this property are possible only with the permission of the guardianship authorities.

Why did mothers stop receiving one-time payments of 12 thousand rubles?

In 2009 and 2010, the Government of the Russian Federation decided to make a one-time payment of 12,000 rubles from maternity (family) capital. This measure was called anti-crisis and was temporary. In subsequent years, the government did not make a decision on a lump sum payment. It was the Pension Fund that did not pay 12,000 rubles to holders of a state certificate for maternity (family) capital. Note that these funds remain in the total amount of MSC. Its size is indexed annually.

How can you use maternity capital to build a house?

Indeed, the legislation provides for the possibility of spending maternal (family) capital on the construction of a residential building.

After the child, in connection with whose birth the right to maternity capital is granted, turns 3 years old, you can use maternity capital to build a house on your own or with the involvement of a construction organization.

Maternity capital funds will be transferred within 2 months from the date of submitting an application for maternity capital to the territorial bodies of the Pension Fund at the place of residence.

Among the documents that you attach to the application, there must be a copy of the document for the land plot registered in your and your spouse’s name on which the construction is being carried out; copy of the building permit.

You can find the full list of documents on the website of the Ministry of Health and Social Development of Russia, where the Decree of the Government of the Russian Federation dated December 12, 2007 N 862 “On the Rules for allocating funds (part of the funds) of maternal (family) capital to improve housing conditions” is posted (clause 10 (1)).

Can I send documents and an application for a certificate by mail? The question arose due to the fact that I currently live in another city, but I would not like to waste time. If sending documents by mail is possible, please write, should they be notarized?

Yes, you can apply for a state certificate for maternity (family) capital at the place of residence (stay) or actual residence at any time after the right to additional measures of state support arises.

The specified application and documents can be sent to the territorial body of the Pension Fund of the Russian Federation by mail.

If the specified application and documents are sent by mail, the original documents will not be sent.

Copies of documents sent with the application to the territorial bodies of the Pension Fund of the Russian Federation by mail must be certified in the prescribed manner.

The specified application and documents are sent by mail in a way that allows you to confirm the fact and date of sending.

The date of acceptance of the said application and documents is considered to be the date of their registration with the territorial body of the Pension Fund of the Russian Federation.

Thus, you can apply for a certificate either at your place of actual residence, or by mail with the submission of an application and notarized copies of the documents specified in clause 5 of the Rules for filing an application for a state certificate for maternity (family) capital and issuing a state certificate for maternity capital (family) capital (its duplicate) (approved by Order of the Ministry of Health and Social Development of October 18, 2011 No. 1180n)

Tell me, can I use a certificate received in another region to pay for a mortgage in Elista, at my place of permanent registration? The mortgage was issued in 2008. Will we have to wait until the child reaches the age of three?

In accordance with paragraph 2 of the Order of the Ministry of Health and Social Development of the Russian Federation dated December 26, 2008 No. 779n “On approval of the Rules for filing an application for the disposal of funds (part of the funds) of maternal (family) capital,” an application for disposal with all the necessary documents is submitted by persons who have received a state certificate for maternal (family) capital (hereinafter referred to as the certificate), personally or through a representative to the territorial body of the Pension Fund of the Russian Federation at the place of residence (stay) or actual residence.

According to Part 6 of Article 10 of the Federal Law of December 29, 2006. No. 256-FZ “On additional measures of state support for families with children”, funds (part of the funds) of maternal (family) capital can be used to repay the principal debt and pay interest on loans or borrowings for the purchase (construction) of residential premises, including mortgage loans provided to citizens under a credit agreement (loan agreement) concluded with an organization, including a credit organization, regardless of the period that has expired from the date of birth (adoption) of the second, third child or subsequent children. To do this, you must submit the following package of documents:
- a copy of the loan agreement (loan agreement);
- a certificate from the creditor (lender) about the amount of the balance of the principal debt and the balance of the debt to pay interest for using the credit (loan).
- certificate of state registration of ownership of residential premises acquired or built using credit (borrowed) funds - in the case of the acquisition of residential premises, as well as in the case of commissioning of a housing construction project;
- if the residential premises are not registered as the common property of the person who received the certificate, his spouse, children (including the first, second, third child and subsequent children) or state registration of ownership of the residential premises has not been carried out - certified in accordance with the legislation of the Russian Federation Federation procedure is a written obligation of the person (persons) in whose ownership the residential premises are registered, acquired using funds (part of the funds) of maternal (family) capital, or who is a party to the transaction or obligations for the acquisition or construction of residential premises, to register the specified residential premises as common property the person who received the certificate, his spouse, children (including the first, second, third child and subsequent children) with the determination of the size of shares by agreement within 6 months:
after the removal of the encumbrance from the residential premises - in the case of the acquisition or construction of residential premises using a mortgage loan (loan);
after the Pension Fund of the Russian Federation transfers funds from maternity (family) capital (in the absence of an encumbrance and when a housing construction project is put into operation) - in other cases.

I disposed of part of my maternity capital. When I submitted the documents, they took the original certificate from me. Tell me, should they give me something in return with the remaining amount?

No, the original will not be returned to you. Informing persons who have received the certificate about the amount of maternity (family) capital or the amount of its remaining part (in case of disposal of part of the maternity (family) capital) occurs by personally contacting the territorial body of the Pension Fund for a certificate about the amount of the MSC.

I wanted to know: I used the first part of my maternity capital to build a house, can I repay the second part of the loan that I took out to build a house (this is a consumer loan, but the loan is written for building a house)?

Yes, you can, if the loan agreement specifies the purpose of the agreement - the acquisition or construction of residential premises at the address.

I want to buy a house, I plan to pay part of it in cash, and the rest with maternity capital. Question: where to start? How soon can I complete a transaction? What documents should I collect?

You will be able to use funds (part of the funds) of maternity (family) capital to pay for the purchased residential premises once the child, in connection with whose birth you received the certificate, reaches the age of three years. To do this, in accordance with the Rules for the allocation of funds (part of the funds) of maternal (family) capital to improve housing conditions, approved by the Decree of the Government of the Russian Federation of December 12, 2007. No. 862 You need to submit the following documents:
a) a copy of the purchase and sale agreement for residential premises that has passed state registration in the prescribed manner;
b) a copy of the certificate of state registration of ownership of the residential premises of the person who received the certificate and (or) his spouse who is purchasing residential premises using maternal (family) capital (except for the case where the purchase and sale agreement for residential premises is in installments payment stipulates that ownership of the purchased residential premises passes to the buyer after full payment of the contract price);
c) if the residential premises are not registered as the common property of the person who received the certificate, his spouse, children (including the first, second, third child and subsequent children) or state registration of ownership of the residential premises has not been carried out - certified in accordance with the legislation The Russian Federation order a written obligation of the person (persons) who is the buyer under the agreement for the purchase and sale of residential premises (agreement for the purchase and sale of residential premises with installment payment) using funds (part of the funds) of maternity (family) capital, to register the residential premises as the common property of the person who received the certificate, his spouse, children (including the first, second, third child and subsequent children) with the determination of the size of shares by agreement within 6 months after the Pension Fund of the Russian Federation transfers maternity (family) capital to the person alienating the residential premises .
d) a certificate from the person carrying out the alienation of residential premises under an agreement for the purchase and sale of residential premises with installment payment, concluded with the person who received the certificate, or with the spouse of the person who received the certificate, on the amount of the remaining unpaid amount under the agreement - if the acquisition of residential premises is carried out under a contract for the purchase and sale of residential premises with installment payment (bank certificate).
As for the timing, as a rule, if all the above conditions are met and a decision is made on the correctness of providing documents, it takes two months.

Tell me, is it possible to apply for financial capital in any region (regardless of the place of registration)? Is it possible at a temporary place of residence?

Yes, you can apply for a certificate for maternity (family) capital and an application for the disposal of MSC funds at the place of residence (stay) or actual residence.

Tell me, until what period is the Maternity Capital program valid? Are there currently any changes in terms and directions in the sale of capital?

The state support program for families with children has been in effect since January 1, 2007 and applies to legal relations arising in connection with the birth (adoption) of a child (children) in the period from January 1, 2007 to December 31, 2021. Thus, the second and (or) subsequent children must be born from 01/01/2007 to 12/31/2016.
In accordance with the Federal Law of December 29, 2006. No. 256-FZ “On additional measures of state support for families with children”, maternity capital funds can be used in three areas:
- improvement of living conditions (purchase or construction of residential premises);
- education for the child (children);
- formation of a funded pension for women;

For the purchase of goods and services for social adaptation and integration into society of disabled children, by compensating the costs of purchasing such goods and services.
An application for disposal can be submitted at any time after three years from the date of birth (adoption) of the second, third child or subsequent children (except for the case of using funds (part of the funds) of maternal (family) capital to repay the principal debt and pay interest on loans and loans for the purchase or construction of housing).

Is it possible to use part of the maternity capital to build a foundation (the child is under 3 years old)? And is the remaining part indexed?

An application for disposal can be submitted at any time after three years from the date of birth (adoption) of the second, third child or subsequent children, in connection with whose birth the right to additional measures of state support arose (except for the case of using funds (part of the funds) of the maternal ( family) capital to repay the principal debt and pay interest on loans and borrowings for the purchase or construction of housing).
Thus, before the child reaches the age of 3 years, you can repay the loan for the construction of housing or the purchase of housing. The size (including the remaining amount) of maternal (family) capital is indexed annually.

We started building before the birth of our second child, and plan to finish it when he is already three years old. Can we use maternity capital for construction?

The law allows you to use maternity capital, including to compensate for the costs of already built housing. You can receive such compensation when the second child turns 3 years old. And when construction began - before the birth of the second child or after - it does not matter. Another condition is significant here - ownership of a residential property must be registered no earlier than January 1, 2007.

Now my sister, a Russian citizen, lives in Ukraine. Her first child has Ukrainian citizenship, the second - Russian. Does she have the right to maternal (family) capital?

If a child born after January 1, 2007 (in our case, the second) and the mother have Russian citizenship, then such a family has the right to apply for maternal (family) capital. Let us remind you that the funds can only be disposed of on the territory of Russia - these are measures of state support for Russian families.

Additionally, we inform you that citizens of the Russian Federation who have left for permanent residence outside the country and do not have a place of residence and place of stay in Russia confirmed by registration, submit an application directly to the Pension Fund of the Russian Federation or through an authorized representative to the territorial Office of the Pension Fund of the Russian Federation in the Republic of Kalmykia. place of his residence (stay) or actual residence.

I received a certificate for maternity capital in Stavropol, but I would like to buy an apartment in Elista. Is this possible?

Yes, measures of state support for families with children in the form of maternal (family) capital are valid throughout the country. You have the right to contact the territorial department of the Pension Fund of the Russian Federation in the Republic of Kalmykia with an application for the disposal of maternal capital funds, having in hand a certificate issued in another region.

Last year, I did not fully use maternity capital funds to purchase housing; I had about 15 thousand rubles left. Can I receive this balance as a lump sum payment?

A one-time balance of less than 12,000 rubles could be obtained in 2010, when special anti-crisis measures of the Russian Government were in effect. To date, such a possibility is not provided for by law. The balance of available maternal (family) capital will be indexed annually. It can also be used to improve living conditions, for the child’s education (maintaining him in an educational institution) or for the mother’s pension.

Can I pay for kindergarten with maternity capital?

Yes, since 2012, maternal (family) capital can pay for the maintenance of a child in kindergarten. To do this, you need to submit to the Pension Fund at your place of residence an agreement between the preschool educational institution and the person who received the certificate. The agreement must include the institution’s obligations to support the child in the educational institution, the calculation of the amount of payment for the child’s care in the educational institution, the payment term(s), as well as details for the transfer of funds by the Russian Pension Fund.

At the same time, maternity capital can be used to pay for the child’s maintenance in a private kindergarten. This could also include educational services for early development for preschoolers, clubs, sports sections, foreign language courses and other additional education. The main condition is that the selected institution must be located on the territory of the Russian Federation and have state accreditation.

Russian families with one child and planning children in the future are waiting with particular trepidation for information about the extension of the current one after 216. The latest news on this issue arrived literally at the very end of 2015: Federal Law No. 433-FZ of December 30, 2015 amended the legislation on maternity capital and carried out the order of the President of the Russian Federation regarding the extension of the state program until 2018 inclusive.

General characteristics of the program

The federal program was developed and put into effect with the aim of increasing the birth rate and bridging the demographic gaps that formed after the collapse of the USSR and economic problems in the country. An analysis of the 10-year program showed positive dynamics and an increase in the birth rate in the country as a whole.

The program is aimed at supporting families raising more than one child, while maternity capital funds can be spent for the following purposes:

• purchase of housing;
• formation of the mother’s pension, namely its funded part;
• children's education;
• adaptation of children who have been diagnosed as a disabled child.

Annual allows you to protect against inflation and rising prices. Since indexation was not carried out this year due to economic problems, obviously, the next increase in maternity capital should be expected only at the beginning of 2017. Experts suggest that next year the increase after indexation could be set at 6%.

Attention! The size of maternity capital for 2016 is set at 453,026 rubles, the same as in 2015.

Use of maternity capital funds in 2016

The latest innovation among the purposes of use is the ability to use maternal capital funds for social adaptation and rehabilitation of disabled children, including the purchase of necessary equipment.

Please note that the changes also affected the disposal of funds for the purposes of... Currently, it is possible to use it to pay the down payment on mortgage loans until the child turns 3 years old. This condition allows many families to improve their living conditions in a short time.

The question of the possibility of a lump sum funding from maternity capital funds is also being considered. The practice of such payment already took place in 2015. The final decision on this issue will be made on February 18, 2016 after the Government of the Russian Federation approves the Anti-Crisis Plan for the current year.

What to expect after 2016?

The program has already been extended for 2 years, so many citizens are concerned about changes to the program that could be made to it this year. All proposed and discussed changes can be divided into the following groups:

• regarding purposes of use;
• regarding the requirements for families participating in the program;
• relative to the size of the capital.

Expanding the purposes of use is the most pressing and debated issue. The areas in which maternity capital can be used, provided for by law, are not suitable for many; for example, some do not have the opportunity to purchase housing, including a mortgage. For this reason, in most cases, maternity capital remains unrealized. In this regard, legislators are considering expanding the opportunity to use maternity capital funds, for example, when purchasing a car, paying for treatment (expensive operations), opening a business, and others.

The President of Russia, when discussing the issue of extending the program, noted that its conditions might be revised. In particular, the circle of families eligible to participate in the program may be narrowed based on property, since the program was aimed primarily at supporting low-income families and families with difficult financial situations. In addition, the issue of providing state guarantee funds only to families with 3 or more children is being discussed.

Discussions regarding the size of maternity capital, unfortunately, come down only to the issue of indexation. Thus, depending on the state of the economy next year, it is planned to use an indexation coefficient equal to actual inflation. Taking into account the fact that in 2016 indexation was not used at all, the application of the declared indexation is also in question. The issue of increasing the amount of capital to 1.5 million rubles is also being discussed, but only for families with 3 or more children.

Attention! If the program providing 1,500,000 rubles for 3 children is approved, then, most likely, it will not apply to those families who have already used the right to maternity capital at the birth of 2 children.

Currently, all the proposals mentioned above are only at the discussion stage, and it is not yet possible to determine which of them will be approved and which will not. The adopted bill on prolongation of the program concerns the deadline itself. At the moment, it is premature to talk about any significant changes in the program itself in 2016.

Extension of the maternity capital program: video

Maternity capital for 2 children in 2018 has undergone several significant changes, which were in November 2017. Firstly, the program, which was scheduled to end on December 31, 2018, extended for several more years- . Secondly, there were provisions two new features to use a certificate - this is in the amount of the subsistence minimum (on average in Russia about 10,000 rub. per month) for a second or subsequent child under 1.5 years of age and the right to use the certificate without waiting 3 years, for the maintenance of a child in a nursery or kindergarten(which, according to the country's leadership, should be very popular among Russian parents against the backdrop of the planned program to open new nursery places, for which there is now a large shortage).

Otherwise for parents of two or more children the same conditions remain, on which the maternity capital program operated in 2017. As before, state certificates are issued once at birth (adoption) second or subsequent child, their size is still will not. The list of main areas for managing MSC funds and the stipulated conditions (restrictions) for their use will not change, with the exception of those indicated above - this is, first of all, the possibility of receiving new ones from maternity capital in the amount of the child's subsistence minimum.

The only thing that gave greater urgency to financial capital in 2018 was the duration of the program, which was due to be completed in 2018. In this regard, the most important and fundamental question was: Vladimir Putin gave the answer to this question back in November 2017 - maternity capital.

The amount of maternity capital in 2018 (exact amount for the second child)

In the context of the economic crisis that began in Russia several years ago, the Government of the Russian Federation managed to balance the parameters of the federal budget in such a way that the country’s population no longer had to experience severe financial shocks (as was the case, for example, in 2014 and 2015). However, for this, a significant optimization of budget expenditures was carried out, which included a large number of social obligations of the state - including the cost of payment.

In this regard, in particular, in 2015, an unpopular decision was made for the first time do not index maternity capital and freeze its size until January 1, 2020. The corresponding law dated December 19, 2016 No. 444-FZ (in which a separate program is devoted to the capital maturation program) came into force on January 1, 2018. Similarly, the size of the state certificate for the second child did not increase in 2016 and 2017 in accordance with Articles 4.1 and 4.3 of Law dated 04/06/2015 No. 68-FZ “On the suspension of the provisions of certain legislative acts of the Russian Federation regarding the indexation procedure...”.

Thus, the last time the amount of maternity capital was increased was in 2015 - then its amount was increased by 5.5% from 429,408 to 453026 rubles. This amount will also be paid to families in 2018 (in fact, for the fourth year in a row).

The exact amount of maternity capital for the second child by year (from 2007 to 2018) is given in the table below. As you can see, the total size of the certificate for maternity capital over the years of the program is grew by 81%- from 250 to 453 thousand rubles. If maternity capital continued to be indexed in 2016-2018. in accordance with the inflation rate, its size has long been would exceed 500 thousand rubles.

Table - Indexation of maternity capital

Year	Indexation, %	Amount of maternity capital, rub.
2007	-	250000
2008	10,5	276250
2009	13	312162
2010	10	343378
2011	6,5	365698
2012	6	387640
2013	5,5	408960
2014	5	429408
2015	5,5	453026
2016	0	453026
2017	0	453026
2018	0	453026

Subsequently, this information about additional payment of 250 thousand to maternity capital in 2018 reprinted a large number of unofficial sources, which gave rise to another wave of unfounded rumors and discussions among young families. However, this information not confirmed on any official portal, and the Government itself did not give any comments on this issue. Other authoritative Russian publications also did not report anything like this.

Due to this at a minimum it is necessary to acknowledge, that there was no further development of this topic in the Government and in general this proposal (if it actually took place) could only be voiced as one of the possible ones.

In fact, the need for the Government to establish such an additional payment in the amount of 250,000 rubles in general doesn't make any sense, since the majority of Russian women who want to give birth to two children usually do this by the age of 35 (it’s just that everyone understands perfectly well that it will be difficult to do this further due to their health status).

Since maternity capital in its meaning is an incentive payment, it is difficult to imagine who and what such an additional payment should stimulate:

• if a woman wants two children, she will do it anyway by the age of 35 (with rare exceptions);
• if she doesn't want a second child, then she will not be convinced by any additional payment in an amount 2 times less than the amount of maternity capital itself (which is already paid for 2 children in the amount of 453 thousand rubles without any age restrictions).

What, instead of an additional payment of 250 thousand to maternity capital, is the Government discussing as additional measures to stimulate the birth rate?

Head of Government Dmitry Medvedev, speaking on April 19, 2017 with his annual report in the State Duma, announced a new demographic decline in Russia, which cannot be overcome only by stimulating the birth of a second child (meaning). Therefore, the new trend of state demographic policy, according to the Prime Minister, should be aimed at encouraging Russian women to give birth to their first child earlier. However, the Government is not going to use any unpopular decisions like those in force in the USSR for this purpose.

New stimulus measures by the Government are already being developed- in particular, it has already been proposed to increase the attractiveness of motherhood for women who gave birth to their first child before the age of 25, significantly increased (in 2017, its minimum amount was 3,065.69 rubles, and the maximum for working women is limited to the level for the previous two years, which is also not so much with the current level of salaries among women in the age category under 25 years).

Dmitry Medvedev also spoke about the possibility of additional financial incentives women who gave birth to their second child before age 30, but no specifics (and even more so about the additional payment of 250 thousand to maternity capital in 2018) on this issue have not yet been announced.

What can you spend maternity capital on for 2 children?

On September 7, 2017, during a working meeting between Dmitry Medvedev and the Chairman of the Board of the Pension Fund (PFR), Anton Drozdov, the results of the maternity capital program were assessed in terms of the use of certificate funds by families: “We see that the program is going quite well”.

In particular, the head of the Pension Fund announced the following indicators:

• Of the 8 million people who received maternity capital over the entire period of the program since 2007, more than 57% fully used it;
• of the total volume of applications sent to the Pension Fund:
  , in 2018 no plans to expand the above list of areas for using the certificate, developed over the past years. In particular, the Government

Many families in Russia decided to have a second child thanks to maternal capital. After all, several hundred thousand rubles will never be superfluous in the family budget. Especially if a young family has no housing and rich parents.

Maternity capital has been issued in our country since 2007. Then young mothers received 250 thousand rubles. And, unfortunately, mothers of second children next year will be the last to receive maternity capital. Because the program will most likely be closed in 2017. Those who want to get more than 450 thousand rubles need to give birth to a baby doll before the end of next year.

This is due to the fact that the Ministry of Finance decided to reduce budget expenditures due to the crisis. In addition, the government is thinking of canceling the program altogether, without waiting for 2017. Or change the principle of providing assistance: they will issue maternity capital only to those in need. Another proposal is not to index maternity capital in the next 3 years. Most likely, the Ministry of Finance will choose the third option - not to index maternity capital.

The final decision will be made literally in the next few days - November-December - when the new budget is approved.

However, next year maternity capital will still be issued. In addition, its size will increase by 22 thousand rubles. That is, young mothers will receive a certificate worth 475 thousand rubles starting from January. This year, families received 453 thousand rubles, and in 2014 - 429 thousand.

For those who do not yet know, a certificate for maternity capital can be presented when purchasing a home, when receiving an education, and also transfer money to the mother’s pension. This, by the way, is the most unclaimed point. According to statistics, Russians mainly spend their capital on buying housing. And by the way, there are rumors that next year they may be allowed to use the certificate only for improving living conditions. The remaining items will be removed as unnecessary.

There is an innovation: the government has approved the use of maternal capital for special goods for children with disabilities. These are, for example, ramps, lifting devices, special beds and tables, displays and keyboards with a special font.

In addition, as the media write, perhaps families will be allowed to spend maternal capital on paying for private kindergartens. Of course, only those preschool institutions that have a license will pay.

Another innovation: control over the use of maternity capital will be strengthened in 2016 due to the large number of cash-out frauds. Not all parents are honest and spend money on what is allowed.

Will maternity capital be left behind after 2016?

The fact that this program is needed is beyond doubt among ordinary Russians and deputies. But there is still no decision on whether to leave the program or not after 2016. Everything will depend on the economic situation in the country.