Introduction social program"Maternal family capital" is a great help from the State to families with two or more children. Already almost half of the people who received a certificate for mother capital spent it. It is very important to know about legitimate use cases family capital.

Use of maternity capital to improve housing conditions

The majority of people want to spend their maternity capital on improving their living conditions. An important condition for this legal option for using a family certificate is that the selected property must be located in Russia. You can spend these funds in the following areas:

• buying and building a house (on your own or with the help of contractors);
• reconstruction or construction of individual housing construction (or cost compensation);
• down payment when taking a loan, loan for the purchase or construction of housing;
• debt repayment (including payment of interest) on loans and credits for the purchase and construction of a house or apartment;
• equity purchase of real estate.

Important information is the fact that family capital for improving housing conditions can be used when the child for whom it is received reaches the age of 3 years. But there is an exception - it is possible to use these funds for a down payment, payment of a loan for the purchase or construction of housing, regardless of the age of the child.

Mortgage repayment

One of the legal options for using a family certificate is the ability to use maternity capital to pay off a loan or mortgage loan. According to the Legislation, such state assistance can be directed to:

• payment down payment;
• repayment of principal debt;
• payment of interest.

Now allowed to take mortgage loans only in banks or credit cooperatives, but not in microfinance organizations. But this does not apply to previously concluded agreements. A big advantage of buying a home on a mortgage is the ability to spend family capital immediately after receiving a certificate, without waiting for the second child to be three years old.

Capital for the purchase of housing

To buy a property with maternity capital, you need to do the following:

• choose a suitable apartment or house for purchase;
• conclude a contract of sale with a deferred payment;
• write an application to the FIU to transfer funds from the mother's capital to the seller;
• if the value of the house or apartment exceeds the amount of maternity capital, the buyer must pay the difference to the seller;
• wait for the transfer of maternity capital funds - this happens within 10 days after the consideration of the application, for which 1 month is allotted.

To improve living conditions with the help of a family certificate, you must consider the following points:

• the acquired housing must be located on the territory of Russia;
• after the purchase, obligations are fulfilled to allocate shares to children and their parents in a residential area;
• transfer of funds is made only by bank transfer.

Home construction

If you are going to build or reconstruct a house with the help of maternity capital, it is important to know the following:

• the object must be capital and suitable for permanent residence in it;
• housing can only be built on a plot intended for private construction.

The land on which the house will be built must be registered in the ownership or permanent (perpetual) use of one of the spouses. Construction and reconstruction of housing can be carried out:

• On your own - then the payment of funds is carried out in 2 stages. Half of the funds are transferred before construction when providing required documents. The second part of the family capital is paid after 6 months upon confirmation of the work performed.
• With the help of a contractor - the payment of funds is carried out 30-60 days after the submission of the necessary documents (including a construction contract).
• Compensation for the costs of already completed construction or reconstruction of individual housing construction - if the work was carried out before the second child was 3 years old. It is necessary to collect all payment documents confirming the expenses. The transfer of funds occurs in a general manner.

Shared home purchase

It is also possible to acquire a share in a residential building at the expense of family capital. This option is legal. The PFR willingly approves the purchase of a share in an apartment building, especially if after that the owner of the capital becomes the full owner of this housing. The state does not prohibit the purchase of a part of an apartment from close relatives, but the same payments between spouses are not recommended. When buying a share in a residential property, it is important to consider the following:

• the purchased premises must be allocated, isolated from common areas;
• a room in a hostel can be bought if it is privatized and located in a residential building (Article 92 of the Housing Code explains which premises in hostels cannot be alienated for such a purchase);
• if after purchasing a home, the buyer becomes the full owner, then the former owner must be discharged.

How to spend maternity capital on education

The state allows spending mother capital to pay for:

• paid educational programs - they must be provided by organizations with special state accreditation;
• the content of the child in educational institutions;
• accommodation in a hostel educational institution.

This legal option for spending capital can be used not only for the needs of the child for whom the certificate was received, but also for the eldest heir to the family. Tuition can be paid for both natural and adopted children. The main conditions for this option for using mother capital:

• the educational institution is located on the territory of Russia and has the right to provide relevant services;
• the age of the child for whom tuition is paid must not exceed 25 years at the date of commencement of education.

Matkapital can be spent on education both in state and municipal institutions, and in private ones. Such state institutions include gymnasiums, colleges, lyceums, art and sports schools, universities (including master's and postgraduate studies). You can also pay with a certificate for language courses, sports sections, services related to education (food, public utilities hostel) and much more. Transfer term Money from the Pension Fund to such institutions - 2 months.

Investing the funds of the family certificate into the mother's future pension

You can spend family capital to invest in your mother's future pension. Upon a special application, his funds are included in pension savings and sent to the trust management of a non-state pension fund or a management company. Such money is paid in the form of urgent or lump sum pension payment or funded pension.

Now such a legal option for using a family certificate is unpopular (it is chosen by less than 1% of mothers), because people do not believe in the safety of money after a long time, and a significant depreciation of funds is possible. If the mother does not live to see her pension, then her pension savings, formed at the expense of maternity capital, can be inherited by her children or her husband (if he is the father of the child for whom a family certificate has been issued).

Payment for kindergarten at the expense of maternity capital

There is the possibility of legal use of family capital to pay kindergarten. This option of spending the parent certificate is implemented if the following conditions are met:

• the kindergarten has a special license for the implementation of preschool education;
• the institution is located on the territory of the Russian Federation;
• an agreement is concluded between the kindergarten and the parents in the prescribed form;
• payment is made only for the maintenance of the child (supervision, care, nutrition, upbringing, socialization, compliance with hygiene standards).

From January 1, 2019, it became possible to spend maternity capital up to 3 years of the second child on preschool services. Full fee for attending a kindergarten cannot be made. This means that the salaries of teachers, the cost of additional circles and sections are paid separately, not at the expense of the certificate. Money to the kindergarten is transferred only by bank transfer monthly, quarterly or annually (the time period is indicated in the application for the FIU).

Social adaptation and rehabilitation of disabled children

Family capital funds can be spent on treatment and other needs of a disabled child (both native and adopted). The order of birth of children does not matter for whom the certificate is received - too. The list of services and goods received by a disabled child at the expense of maternity capital is indicated in the IPRA (individual rehabilitation or habilitation program). To obtain a legal option for using a family certificate, you need to:

• undergo a disability examination by ITU specialists (medical and social examination);
• submit an application to the ITU body for the inclusion in the IPRA of evidence for the provision of a specific service or product at the expense of mother capital;
• receive services or purchase goods, keeping payment documents;
• apply to the district social security authorities with an application for receipt of an inspection certificate for submission to the FIU (if the goods were purchased);
• appeal to the FIU to receive compensation for expenses.

It is important to note that matkapital does not compensate for the money spent on paid services and other rehabilitation measures prescribed in the List of Federal Law No. 181-FZ. At the expense of the family certificate, it is possible to purchase various technical means (ramp, bath, bed lifts, etc.) for the socialization of a disabled child, which are not provided under existing state programs.

Monthly payments for the maintenance of a child up to one and a half years

Amendments to Federal Law No. 432-FZ dated December 29, 2017, which entered into force on January 1, 2019, inform family certificate holders of the right to monthly payments for the maintenance of a child up to one and a half years. If the mother applies for such assistance before the baby is 6 months old, the amount of money will be calculated from the moment of his birth. If you apply for monthly payments after the child reaches six months, the allowance will be assigned from the date of application. This legal option for spending family capital is possible when the following conditions are met:

• the child was born on January 1, 2019 or later;
• total family income no more than 1.5 living wages per month per person;
• maximum amount payments no more than the subsistence minimum per child in the region.

What funds cannot be used for

All legal options for using maternity certificate funds are listed in Federal Law No. 256-FZ of December 29, 2006. The Government of the Russian Federation periodically considers various additions to the established list of expenses, but rejects them due to possible speculation and misuse of funds. The following options are prohibited:

• repair of a house or apartment - does not contribute to an increase in the living area of ​​\u200b\u200bthe premises;
• buying a car - a high probability of the subsequent sale of the car (for cashing out money), its breakdown or theft;
• repayment of consumer loans - possible misuse of funds.

Repair of an apartment or house

Repair of an apartment or house is one of the options for the possible use of state support funds that are desired by the owners of maternity certificates. The adoption of such an amendment to Federal Law No. 256-FZ of December 29, 2006 is currently impossible, because this will not solve the problem of increasing the place of residence. Maternal capital can not be used for home repairs, but it can be used for housing reconstruction. They differ as follows:

• Reconstruction changes the planning scheme of a house or apartment, i.e., the size and number of rooms, partitions and walls are moved, openings are cut through, etc. Repair does not involve this.
• Reconstruction changes the purpose of the premises (or even the entire building), this cannot be done during repair.

It is important to note that if redevelopment is planned, it (in agreement with the BTI) is classified as a reconstruction. For the latter, it will be possible to receive a legal refund from the funds of the mother's certificate. This is possible if, due to reconstruction, the living space not less than the calculated value. Works related to the replacement of windows, repair of cracks, repair of water supply, plastering, insulation, supply of communications (for example, water supply, sewerage), etc., are classified as repairs and are not reimbursed.

Buying a car

Unfortunately, a family certificate cannot be spent on buying a car, although the government considered such an option for using mother's capital. Purchasing a car would help many families solve daily tasks faster, but such changes are not accepted by the state due to the following shortcomings:

• the possibility of subsequent sale of a car in order to cash out;
• threats of car theft or damage in an accident;
• quick breakdown of the car (especially domestic production).

Repayment of consumer loans

The possibility of repaying consumer loans using maternity certificates would have a positive effect on the well-being of families and improve their financial situation. But this option for using mother capital is not legal, because the intended use of such money is practically impossible to prove, but sometimes such precedents arise.

Many families take consumer credit for the purchase of housing, when banks refuse to issue funds for an apartment or house. Some even managed to prove it in court and receive compensation from state support funds. The PFR almost never allows the use of mother capital to repay non-mortgage loans, since it is likely that this money will be spent on household needs.

Video

The state provides mothers, citizens Russian Federation and young families a certificate for receiving social assistance - maternity capital. This benefit can only be used at the birth or adoption of a second or subsequent children in the family. In the event that the certificate for the second child was not used, it will be possible to obtain a certificate for the third. The rules provide for the same conditions for the birth of twins, triplets.

In some cases, which we will also consider in this article, the use of maternity capital is possible not only for the mother. In addition, it is important to consider that no benefits are provided for when a newborn dies. However, if the child did not die during childbirth and lived for at least one week, then the mother’s certificate for subsequent accrual funds are required. Adopted children of the husband do not receive such state assistance.

For many Russian families, how to use a certificate for maternity capital is a topical issue. It is important to know who has the right to receive a much-needed certificate, what documents are needed to use maternity capital, where to submit them, what are the conditions and rules for using maternity capital.

Who is entitled to receive?

To begin with, we note that the certificate is due to every family that has Russian citizenship for the birth of a second child. At the same time, it is important to note that the procedure and legislative norms allow using maternity capital only if the state has not provided the family with any social financial assistance before. You can get a certificate only once, for the second child or for one of the subsequent ones, if the family did not use their right for the second. This type of state assistance applies to all families, regardless of financial situation, region of residence, social status.

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Who can get	Notes
A woman who gave birth or adopted a second child	Or subsequent children, provided that the mother's certificate was not previously used
The man who is the sole adopter	Also provided that the certificate has not been previously obtained
Male, if the mother is dead or deprived of parental rights	In the absence of previously received subsidies and benefits from the state
The child himself, if the parents have died or are deprived of parental rights	When they reach adulthood. In addition, if there is more than one such child, the due amount will be divided equally between all

What documents are needed to use maternity capital

Before sorting out where and what public funds can be spent on, it is important to know what documents are needed to use maternity capital funds:

• A written statement from the mother or father (in some cases from an adult child);
• Personal passport of the applicant (Russian citizenship);
• Birth certificate of the second or subsequent child (or adoption documents).

As already mentioned, if the mother of a minor has died, the right to receive a certificate passes to the legal father of the child. In this case, you will need a death certificate of the spouse or a court decision.

Another important nuance. When both parents of a minor have died, then upon reaching the age of eighteen, he can receive a certificate for the maternity capital that is required by law, but only for a limited period. The procedure allows you to receive and spend funds only up to twenty-three years. In addition, a prerequisite is full-time education. In order to receive maternity capital, you will need the following documents:

• Written statement;
• Personal passport or birth certificate;
• Help from educational institution where the applicant is studying;
• Death certificates of both parents.

Use of maternity capital

Referring to the current legislative norms, it is possible to single out the purposes for which to use the maternity capital after the certificate has been received:

allowed by law use of maternity capital not just for one thing in its entirety. You can distribute financial assistance in parts, and the remaining money will be indexed every year. Considering maternity capital, the conditions for using state assistance are that funds can only be spent when the child reaches three years of age. However, there are exceptions.

Receipt rules

Since the mother of the child, his father or the child himself can receive a legal certificate of state assistance, Russian legislation the procedure and rules for determining the eligible citizen are regulated. Also, the legislation establishes the sequence of obtaining financial social assistance;

Federal legislation also establishes the amount of state aid, which is indexed annually. At the same time, the place of residence, namely the region, does not affect this amount in any way.

How can maternity capital be used to improve housing conditions

Using maternity capital to improve the living conditions of the family is the predominant position of Russian citizens, and it is most welcomed by the state. This situation is due to the fact that the housing issue is still a painful topic today and not every family is able to afford to buy an apartment or a house on its own. As statistics show, more than fifty percent of young families with children spend the money they receive on housing.

Improving living conditions does not mean making repairs or buying any necessary things, but purchasing housing. It can also be the construction of your own residential property. Of course, government assistance cannot fully cover all costs. The certificate allows you to pay off only part of them, however, still very tangible. As a rule, this is either a down payment when applying for a mortgage, or repayment of credit debt.

Whatever the housing, it must be located on the territory of the Russian Federation, otherwise it will not be possible to use the maternity capital.

Conditions for the use of maternity capital for the education of a child

Another, albeit less popular, option where maternity capital can be used is the education sector. In other words, this is payment for education services, including accommodation in a hostel and other maintenance. In order to use this option, you need to fulfill some conditions:

Although the certificate is issued to the mother and can be used to increase her pension, the use of mat capital for the education of the mother herself is prohibited by law. Speaking of pensions, you can redirect government assistance to management company or to a non-state pension fund at your discretion.

Whichever option is chosen, relevant documents will be required for reporting what the funds were spent on. financial resources. Despite the fact that they cannot be cashed out and all transfers go through the state Pension Fund.

Child protection and restrictions on what maternity capital can be used for

The purposes for which mat capital can be used are provided for by Russian law and it is impossible to dispose of money at your own discretion in the full meaning of the word. Moreover, inappropriate spending is prosecuted by the Criminal Code of the Russian Federation under the article of fraud. Moreover, in recent years, attempts to spend state aid for other purposes have become quite clear, and the legal acts have not yet been worked out to perfection. They have gaps and fuzzy interpretation, which is what some parents use.

Since cases of cashing out money fraudulently are not isolated, legislative norms undergo periodic changes. For example, one of these was the restriction legal entities and organizations whose loans were previously repaid by the state. This in some way helped to narrow the circle of fraudulent activities regarding public funds under this program. Parents themselves are also often victims, whose financial assistance passes into the hands of such fraudulent organizations.

In any case, it must be remembered that the interests of children should be above personal ambitions, so you should not look for loopholes in the laws and make fictitious documents, because this is fraught with unjustified consequences.

A bill on such a one-time payment in 2017 is also being considered by the Government and deputies. There was even a proposal from the LDPR faction to increase its size to 50,000 rubles. However, so far the law on the one-time cashing out of mother's capital this year has not been adopted by legislators.

Documents required for the transfer of mother capital

To receive "mother's" money, without waiting for a 3-year period, a citizen must apply to the Pension Fund. There, in addition to a passport and a certificate for family capital, he presents:

• target loan/credit agreement concluded with a bank or other financial institution(copy, but have the original with you);
• the mortgage agreement that went through (copy with the original);
• a certificate provided by a bank (or other organization), which indicates the cash balance that the borrower is obliged to return to the lender;
• a written obligation of the certificate holder that within six months after the housing becomes his property, he will re-register it for all members of his family (each of them will receive his share);
• certificate / extract from Rosreestr confirming that he owns a house or residential premises - in case a “secondary” apartment was purchased for a loan, or a new apartment that has already been put into operation (copy with the original).

If the money was borrowed for still unfinished housing, then, instead of a certificate (extract) of ownership of the object, the citizen provides other documents to the Pension Fund.

These documents are attached to the application of the parent, in which he asks to dispose of his family capital in a certain way.

Discussions are closed for this page

When a family receives the right to maternity capital, then the very complex issue for her - how to use maternity capital correctly and rationally. If you are also faced with the need to resolve this issue, then carefully study all the possibilities of using family capital. It is also important to say that you can use maternity capital in 2017 only after the child turns 3 years old (or when 3 years have passed since the adoption of the child).

All ways of spending capital can be divided into permitted and non-permitted purposes.

Permitted areas of use of maternity capital

The permitted areas of use of maternity capital in 2017 include:

1. Buying a home may involve acquisition of an apartment , house or share in a dwelling . The apartment can be bought both in a new building and in the secondary market. A house can only be purchased where the land has a land designation for individual housing construction. You can also buy a share in an apartment or house, with the exception of or in a hostel located in a special housing stock.
2. Building a house with maternity capital can be carried out both on their own family, and with the involvement of a contractor. If you decide to attract contractors, the amount of capital will be transferred to their account immediately and in full. If you decide to build a house yourself, then half of the capital will be transferred to your account immediately, and the other half - only after 6 months, and if you can confirm that the main work on building the house has been completed. In addition, you should know that the family always has the opportunity to use maternity capital as compensation for the construction of the house at its own expense - the main thing is that the construction be completed after 2007.
3. Maternity capital can be spent on the reconstruction of the house with a mandatory increase in living space. During the reconstruction, you can start a new one capital construction to expand the house, convert the attic into an attic and carry out other work aimed at expanding the living space.

Children's education

Many families decide to use maternity capital to ensure that all children in the family receive education. This includes secondary school education, additional education, higher education, secondary special education. In addition, capital funds can pay for the child's accommodation in a hostel at an educational institution. Read more about using MK for training.

Mother's pension

Very few Russian families decide to invest in the formation of a child's mother's pension. The reason for this is the uncertainty that payments will be made, as well as the impossibility of obtaining capital funds by the family if the woman does not live to retirement age. More information about accumulating a mother's pension with maternity capital.

Prohibited uses of maternity capital

There are directions-myths, payment by maternity capital for which it is impossible to make. These include the following items

Maternity capital is a measure of state support in the amount of 466,617 rubles in 2020, provided for families in which a second (or subsequent) child appeared after January 1, 2007. To obtain a certificate, two main conditions must be met: the birth (adoption) of a second or subsequent child during the period of the program and the presence of Russian citizenship for the recipient and the child.

On January 15, 2020, Vladimir Putin, during his annual address to the Federal Assembly, instructed to make important changes to the maternity capital program:

• introduce maternity capital for the first child;
• extend the maternity capital program until 2026 inclusive;
• increase the amount of mother's capital for a second child by 150 thousand rubles.

All changes are planned to be implemented from January 1, 2020. Moreover, families in which the first child already has, at the birth of a second child, will receive an increased capital capital.

The rules for registration and disposal of mother capital are established by Federal Law No. 256 of December 29, 2006. Its amount has not grown since 2016, its next one will pass in 2020.

Who is entitled to maternity capital?

According to Art. 3 of Law No. 256-FZ, subject to all, obtain a certificate for mother capital they have a right:

Right does not pass to the father or adoptive parent, if:

• He - stepfather for the previous child, which was taken into account when the right to the certificate appeared;
• after the death of the mother, the child was recognized as the remaining without parental care.

Parents and adoptive parents lose rights to maternity capital when:

• die or are declared dead by the court;
• lose parental rights;
• commit an intentional crime against the person of the child;
• the adoption of the child is cancelled.

Attention

Children) forfeits the right on matkapital only in case of death (recognition as dead in court).

How to arrange maternity capital?

To get certificate for maternity capital, a person applying for it must apply to the Pension Fund with an application and binding documents:

• Russian passport or other proof of identity and place of residence;
• birth certificates of all children with a mark of Russian citizenship (if not, then another document confirming it is required).

In some situations it may be necessary additional documents, listed bellow.

Happening	Document
The child is adopted	adoption or adoption certificate
The application is submitted by a legal representative	identification; proof of residence; documents proving authority
Parent(s) or adoptive parent have lost the right to family capital	death certificate or court order declaring dead; court decision on deprivation of parental rights; documents proving the commission of a crime against the child's personality; adoption cancellation confirmation
Place of residence is not confirmed by registration	documents confirming the actual place of residence.

If the family applying for mother capital, lives abroad, parents have the right to submit an application and documents directly to the Pension Fund in the territory of the Russian Federation.

Attention

You can apply for a certificate Anytime after the emergence of the law - including after the completion of the program if the child appeared in the family while she acted.

You can contact the Pension Fund by one of the established ways:

• To the territorial branch of the FIU:
  • personally or with the help of a representative;
  • send certified copies of documents and application by mail.
• In the department of the multifunctional center (MFC).
• Via electronic resources (application only):
  • personal account of a citizen on the PFR website;
  • single portal "Gosuslugi".

If the applicant applies via the Internet, then in 5 working days from the date of registration of the application, he must submit the remaining documents to the PFR department, otherwise the issue will be denied.

Attention

The pension fund decides whether to issue a certificate or refuse the applicant within 15 days from the date of application. A certificate for maternity capital can be obtained in the form paper or electronic document.

In case of loss or damage, you can get duplicate by submitting a corresponding application to the FIU.
In the design of maternity capital, there may be denied, If:

• right to it did not arise or was lost during the application period;
• information on the order of birth (adoption) and/or citizenship of the child invalid.

What can maternity capital be used for?

In 2019, Part 3 of Art. 7 of Law No. 256-FZ, provides for the following presented in the table below directions use of maternity capital.

Direction	What can you spend on
Improvement of living conditions	purchase of residential premises (primary or secondary) under a sale and purchase agreement, including with an installment plan; payment of the cost of the contract for participation in shared construction; making an entrance (share) contribution to a housing cooperative; construction (reconstruction) of an object of individual housing construction (IZHS); compensation for the costs of the construction or reconstruction of the IZHS facility, if the ownership of the new or expanded premises was registered after January 1, 2007; payment of the down payment and/or repayment of principal and interest on a target credit or loan (including mortgages) for the purchase or construction of housing ( including refinanced)
Residential premises must be registered in the common shared ownership of parents and children
Education for children	training in institutions higher (undergraduate, graduate, postgraduate, residency A), secondary special (college, technical school), additional (sections and circles) education; accommodation of the child in a hostel; maintenance and (or) supervision and care of a child in organizations of preschool and secondary education
The first, second, and any subsequent child - native or adopted - can get an education at the expense of mat capital
Mother's funded pension	Direction of funds to: state pension fund; non-state pension fund
Purchase of goods and services necessary for a disabled child for social adaptation	Compensation for purchased goods and services included in the list established by Government Decree No. 831-r dated April 30, 2016
Monthly allowance for a second child up to 3 years	The family is eligible if: the child was born (adopted) after January 1, 2018; the average per capita family income is not more than 2 times the subsistence level of a constituent entity of the Russian Federation for the 2nd quarter of the past year.

You can apply later three years after the birth (adoption) of a child. The certificate holder has the right to apply earlier if the capital is used for:

• payment of the down payment and/or repayment of principal and interest on a housing loan or loan;
• purchases of goods (services) serving for the adaptation of a disabled child in society;
• payment for preschool education and other expenses associated with it;
• receiving monthly payment for the 2nd child up to three years.

Attention

Any attempts to cash out maternity capital illegal and are punished under article 159.2 of the Criminal Code of the Russian Federation Payout Fraud. The legal way to receive money from the funds of the certificate is to apply for a monthly allowance for a second child (born no earlier than January 1, 2018).

As an anti-crisis measure to support families in 2015-16, the Government of the Russian Federation provided for the possibility of obtaining lump sum payments from mother's capital: 20 and 25 thousand rubles, respectively. Apply for them in 2020 it is forbidden.

Changes in 2019

In 2019, a number of serious changes related to the disposal of maternity capital:

1. March 29 began to operate the federal law No. 37, which introduced a provision into Law No. 256-FZ that now the Pension Fund will independently request information about suitability purchased residential property for living from local governments and other institutions.
2. If maternity capital is used to build a house, the certificate holder now has the right to submit a construction notice to the Pension Fund.
3. According to the amendments introduced by Law No. 37-FZ, purpose loan or loan for the purchase (construction) of housing it will be possible to take only V:
   • banking and non-banking credit institutions administered by the Central Bank;
   • credit consumer cooperative (CPC);
   • a single development institution in the housing sector JSC "Dom.RF".
   • agricultural PDA.
4. As Art. 1 of Law No. 205-FZ of August 2, 2019, from January 1, 2020, a monthly allowance for a second child will be paid until he turns 3 years. In addition, the income threshold will increase from 1.5 to 2nd living wages for the working population.

Opportunity to obtain a housing loan (loan) from an employer or other organization not specified in the list abolished.

On April 24, 2019, at a meeting of the Light of the Federation with Vladimir Putin, Valentina Matvienko proposed extend action of maternity capital until 2025. For now, the program runs until the end of 2021. Deputy Prime Minister Tatyana Golikova instructed the Ministry of Labor to consider extending the mother capital program - the report must be submitted before March 1, 2020.

On May 30, 2019, bill No. 721208-7 was submitted to the State Duma, which proposed adding a new direction for spending funds: the purchase of a car. However, it was rejected before the first reading.

If it were accepted, then the owners of the certificates would be able to use maternity capital to buy a car worth up to a million rubles, provided that it was produced on the territory of the Russian Federation, was not previously registered and, in addition to the driver's seat, has three more passenger seats.

Russian President Vladimir Putin instructed the Government to consider the possibility of using mother capital for gas, water and sewerage.

In addition, under consideration State Duma there is a bill No. 846971-7, which allows spending certificate funds for the construction of a residential building on garden plot, and bill No. 839769-7, allowing the use of mother's capital to pay for a kindergarten organized by an individual entrepreneur.

The Ministry of Construction has prepared changes that will affect the rules for using mother capital to improve housing conditions. According to them, the certificate funds can be spent on the purchase of housing through an escrow account.

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