Benefits for adopted children: lump sum, monthly, maternity capital

To improve the demographic situation, decisions are being made at the federal level to help large families. In accordance with the new instructions of the President of the Russian Federation, additional financial support is planned for the birth of a second and third child. The second maternity capital will be provided starting from 2020 according to a modified scheme. This publication discusses the basic principles of the program. A detailed description of the action algorithm will be useful at the registration stage.

General concept

Adoption is the process of accepting a child left without parental care into a family. The term is perceived in a general manner, regardless of its gender. In the process of adoption, both parties acquire rights and responsibilities towards each other, in no way different from legal relations in an ordinary family.
The adoptive parent assumes responsibility for the child:

• on his material support;
• to create conditions for obtaining education, including professional education;
• to ensure comfortable living conditions.

An adopted child receives all the rights of a native child. In addition, he has the same responsibilities towards new parents.

Guardianship and trusteeship authorities are obliged to monitor the fulfillment of their duty by adoptive parents. If serious violations and abuses are detected, they go to court to cancel the adoption.

Rights of adoptive parents, guardians and foster parents to special benefits

Despite the fact that adoption and guardianship/trusteeship do not imply financial remuneration for the adoptive parent or guardian/trustee, current legislation provides for a one-time payment upon the transfer of the child into foster care (Article 12.1 of the Law “On State Benefits...” dated May 19, 1995 No. 81-FZ ). The adoptive parent also has the right to receive it, although his education services will be paid. The amount of the fee is fixed in the foster family agreement.

Thus, regardless of the form used for placing a child in a family, both the adoptive family and the adoptive parent or guardian/trustee will receive the lump sum payment due for this in 2019. However, only one person can become the recipient of the payment if there are several adoptive parents, guardians/trustees or adoptive parents. In this case, such an allowance is paid for each child.

To receive payments upon adoption of a child, establishment of guardianship/trusteeship, or transfer to a foster family, the recipient of the benefit should submit an application at the place of residence to the body authorized by the region of the Russian Federation to consider this issue. Applications can be made in person, by post or electronically.

The application will need to be accompanied by a set of documents confirming the right to receive benefits (including in an increased amount) and the absence of parents for children (clauses 34, 35 of the Procedure for assigning state benefits, approved by order of the Ministry of Health and Social Development of Russia dated December 23, 2009 No. 1012n).

Funds are paid no later than 10 calendar days from the date of registration of the fact of acceptance of the application by the authorized body or sending the required set of documents by mail (clauses 37, 38.1, 38.2 of the Procedure approved by Order No. 1012n). If the set of documents attached to the application is incomplete, the applicant will receive written explanations about this. The missing documents must be submitted no later than 6 months from the date of receipt of clarification - then the date of the application is considered to correspond to the original one (clause 38.3 of the Procedure approved by Order No. 1012n).

State support for adoption

Federal legislation contains a number of preferences for adoptive parents. They can be divided into the following groups:

• social support;
• tax benefits;
• preferences in the field of labor activity.

Local benefits for adoptive parents are more varied. However, they come down to measures of social support for families raising orphans.

A family that has adopted someone else’s child may qualify for the following social support measures:

• maternity leave with all payments (if you took a baby up to 3 months old);
• obtaining a certificate for maternity capital (provided that there are two or more children in the family);
• lump sum adoption benefit;
• monthly payments to the mother until the child reaches 1.5 years of age;
• preferential enrollment and free meals in kindergartens and schools;
• free medicines for children under 3 years of age;
• reimbursement of expenses for housing and communal services;
• reimbursement of 50% of the cost of kindergarten expenses.

Benefits are provided only if the child is adopted from an orphanage. If children of a spouse from a previous marriage are adopted, no benefits are provided. Except for maternity leave.

The law makes no difference between parents. Maternity leave and monthly payments can be provided to the father if desired.

Who is covered by government support programs?

The assignment of preferences and their material expression depends on the conditions of adoption, including the health of the children. So, the one-time benefit when joining a family is as follows:

• healthy child - 16,350.33 rubles. (from February 1, 2017);
• disabled person - 124,929.83 rubles.

However, benefits in the field of labor relations apply exclusively to people with an official place of duty. For example, these include preferences such as:

• restrictions on involvement in night shifts and overtime work;
• ban on working on weekends and holidays;
• provision of vacation in the summer.

Preferences for working parents are described in Art. 264 Labor Code (LC). They are the same for biological parents and adoptive parents.

Financial support measures for adoptive parents

Payments to people who take in stepchildren can be further divided into:

• are common;
• special.

The first refers to those benefits and benefits that are due to biological parents. At the same time, there are payments accrued only to adoptive parents.

Maternity money

If the baby transferred to the family is less than three months old, then one of the parents has the right to apply for maternity leave. In practice, this is done in the same order as at the birth of a child:

1. You should contact the antenatal clinic with documents.
2. The doctor will register the woman and issue a sick leave certificate.
3. This document is submitted to the administration of the enterprise.
4. The accounting department will calculate and pay the usual maternity benefit.

When adopting twins, the period for requesting benefits is extended to 110 days, usually 70 days.

How and to whom is maternity capital provided?

Maternity capital is a measure of special state support for families with children of 2 or more people.
Family or single people who gave birth to or adopted a second or subsequent child between January 1, 2007 and December 31, 2021 can take part in the social program.

Upon application accompanied by the required package of documents, a certificate is issued. It confirms the conditional amount of money available in the personal account with the Pension Fund.

Recipient categories

According to the legislation on state support for families with children, the right to maternal capital arises from:

• biological mother or adoptive mother of 2 or more children, if the 2nd child appeared in the family from January 1, 2007. Or if there are a 3rd, subsequent children born at the same time, and the woman did not take advantage of by its right earlier;
• men, the only adoptive parents of the 2nd, 3rd, and subsequent children who have not previously enjoyed the right to additional measures of state support. If the judicial act on adoption came into force on January 1, 2007 or after that;
• father (adoptive parent) - in the event of death, recognition as deceased, or in the event of termination of the mother’s parental rights, cancellation of adoption, or her commission of a crime against the person of her children;
• for natural and adopted children - in the event of death, recognition as dead, deprivation of parental rights of both parents, cancellation of adoption, or commission of a crime against the person of their children.

The RF IC equates adopted children with relatives. Therefore, there is no legal difference between blood relatives and socially acquired children in the Russian Federation.

Important! Adoptive parents have equal rights with biological parents only until the adoption is canceled in the prescribed manner.

This also applies to maternity capital during adoption.

Where can you spend MK in 2020?

Capital cannot be cashed out directly.
It can be sent to:

1) improvement of living conditions;

2) education of the child (children);

3) formation of a funded pension for women;

4) purchase of goods and services intended for social adaptation and integration of disabled children into society;

5) receiving a monthly payment until the child reaches 1.5 years of age.

At the same time, in some cases it is allowed to resort to the services of credit institutions.

Important! There are no other directions for the implementation of maternity capital yet.

List of payments and benefits

In accordance with the law, citizens who have adopted a child have the right to receive a number of payments and benefits. Financial incentives are intended to promote adoption in the country.

However, it is necessary to separate the concept of intra-family adoption from the adoption of a child into a family without parental care. If a husband adopts his wife's son through the court, this is intra-family adoption. Benefits do not apply to him.

In 2020, the following support options for adoptive parents are provided:

• federal benefit for the adoption of a minor into a family (analogous to a benefit for the birth of a baby);
• maternity payments and child care benefits from 0 to 1.5 years;
• maternity capital (if the adopted child is the second or subsequent child);
• preservation of the adopted person's rights to pensions and benefits.

In addition, it is necessary to pay attention that adoption, as a form of placement, involves accepting the child as a natural one. Therefore, financial incentives for adoptive parents are minimal. Guardianship and guardianship are much better funded.

One-time benefit

When a minor is accepted into the family, an appropriate allowance is paid. It is transferred only 1 time.

The payment is of a declarative nature. The adoptive parent must independently contact the social protection department.

The application period is limited to 6 months . If he misses the deadline, he must be reinstated through the courts.

List of documents for receiving benefits:

• passport;
• statement;
• child's birth certificate (new);
• documents on the absence of parental care;
• court decision on adoption;
• extract from the house register;
• bank account details;
• a certificate that the benefit was not assigned or paid to the spouse;
• documents confirming the existence of grounds for receiving an increased payment.

The funds are transferred to the personal account of one of the adoptive parents. They are not targeted and the recipient does not have to account for them.

The amount of payment depends on a number of factors:

1. General order . A citizen receives 17,479.73 rubles. The amount is subject to annual indexation. In addition, it increases if a regional coefficient is applied.
2. Special cases . In certain cases, the adoptive parent has the right to increased benefits. In 2020, its value is 133,559.36 rubles. The amount also increases due to the regional coefficient. It is intended for citizens who have adopted disabled people, brothers and sisters, as well as children aged 7 years and older.

Payments upon adoption of a newborn

In case of adoption of a child aged 0 to 1.5 years, citizens have the right to all payments that are due to the birth family.

Types of payments paid by the state:

• maternity payments (when adopting a child aged 0 to 3 months);
• allowance for children from 0 to 1.5 years;
• allowance for a child from 1.5 to 3 years old (50 rubles per month).

The procedure for calculating benefits for a child from 0 to 1.5 years

For the employed For the unemployed

Maternal capital

If adoptive parents have adopted a second or subsequent child into the family, then they have the right to maternity capital. The opportunity arises if citizens have not used the right before.

The amount of support measures in 2020 is 466,617 rubles. When adopting 2 children at the same time, citizens also have the right to receive a certificate.

When an adoption is registered, a child left without parental care loses the right to receive housing from the state. The responsibility for providing housing rests with the adoptive parents. Therefore, when capital is spent on purchasing housing, children have the right to a share in the apartment.

Pensions and benefits

In accordance with Art. 138 of the RF IC, in case of adoption of a child, he retains the rights to pensions and benefits that he previously received. The minor will remain the recipient:

• singing for the loss of a breadwinner;
• compensation for the death of parents and other payments.

However, the right to receive alimony from both parents and grandparents is lost. If financial support was collected from the mother and father, but they did not contribute funds, then the accrued debt is retained.

The right to inheritance from blood parents and grandparents is also lost. An exception is the situation when the court has preserved the property and personal non-property rights of the grandparents in the event of the death of a parent (Clause 4 of Article 137 of the RF IC).

Regional payments

Each region has the right to establish additional payments. Their size, procedure for appointment and transfer are regulated by the legislation of the constituent entity of the Russian Federation.

Example. In 2020 in Moscow, upon adoption, 61,000 rubles are paid. from the city budget.

In other regions, monthly payments are provided.

Example. Adoptive parents of the Altai Territory who adopted a child who has been under guardianship for at least 3 years retain the right to receive guardianship benefits.

Not all regions give money to adoptive parents. This issue needs to be clarified in the social protection department of the subject.

What innovations await MK in 2020?

In addition to reducing the time it takes to approve payments, you can also predict:

1. New extension of the program period. Its completion date has now been postponed to the end of 2021. Perhaps next year it will be extended for several more years;
2. Amendments to the conditions for issuing a certificate. As the program has gained widespread popularity, significant innovations in the rules for obtaining a certificate are likely. Perhaps it will be issued only to low-income segments of the population, or to large families with three or more children;
3. Increase in amount for large families. The government is considering increasing the funds in the certificate account for families who plan to have a third or subsequent children. There is an opinion that the funds will be increased to 1.5 million rubles;
4. Changing the target direction. It is possible to adopt a bill on directing funds from maternal capital to purchase domestically produced cars. Only large families will be able to take advantage of this right. It is also possible to obtain permits to purchase land. Now families can only buy a private house, taking into account the presence in it of all the conditions necessary for a full-fledged life for children (living conditions, connected gas, water and electricity);
5. Receiving funds in your hands in the form of monthly amounts. A similar innovation was adopted in 2020, so it will be continued in 2020. It will make it possible for low-income groups of the population to withdraw part of the funds from the certificate every month until the child turns 1.5 years old;
6. One-time payment from maternity capital in 2019. The government annually considers the possibility of issuing a certain amount from maternal capital. The last time it was carried out was in 2015-2016, the amounts were 20-25 thousand rubles. It is possible that they will be provided in 2020.

Today it is difficult to say exactly what changes regarding maternity capital will be adopted in 2020. Despite this, we can confidently talk about reducing the period for issuing funds. For those families who have not encountered the intended use of a certificate, this innovation will seem dubious. In fact, it will solve a number of problems:

• find out about the approval or refusal of the application within a minimum period of 15 days;
• receive funds for the purchase of real estate as quickly as possible - within 10 days;
• gain trust from real estate sellers.

Thus, reducing the period will lead to the issuance of funds 25 days after the application is submitted.

Many certificate holders are concerned about the issue of indexation of funds. It was frozen several years ago. At the moment, the moratorium has been extended, so it is too early to talk about its cancellation in 2020. It is possible that the ban will be lifted if the financial situation in the country improves.

List of benefits

In addition to financial support, the adoptive parent has the right to receive special benefits. Among them:

• leave for the adoptive parent;
• obtaining the status of a large family.

Vacation

In accordance with Government Decree No. 719 of 2001, the adoptive parent has the right to be granted leave.

It is similar to maternity leave and parental leave up to 3 years of age.

Moreover, at the request of a citizen, the adoptive parent's leave can be replaced with the corresponding leave for natural parents. This measure is provided for families who decide to keep the adoption secret (Article 139 of the RF IC).

Leave is provided if you adopt a child aged 0 to 3. If citizens exercise the right to change the date of birth and reduce the age, then the date when the child turns 3 years old according to the new birth certificate is taken into account.

Status of a large family

The law provides parents with the opportunity to obtain the status of a large family. The procedure for obtaining a certificate varies depending on the region.

In most regions, a family with at least 3 minor children is considered to have many children. Moreover, adopted children are also included in the family.

Large families receive a number of benefits:

• to pay for utilities;
• getting children ready for school;
• for medical care.

In addition, regions can establish additional benefits. For example, in Moscow, large families are granted free parking rights.

By adopting a baby, the family accepts him as their own child. Therefore, its provision rests entirely with the new parents. However, the state provides financial support.

Financial questions

– I received a certificate for maternity capital in 2009, the document indicates the amount of 312,162 rubles. Now everyone says that the amount of capital has increased to 453 thousand rubles. So how much money do I have at my disposal?

Anatoly Gasprinsky

When issuing a certificate, the amount valid at that time is written on it. But this doesn't affect anything. If you use this certificate now, the amount on it will be equal to 453,026 rubles , even if the document itself indicates a lower amount.

When the maternity capital program just started operating, its amount was 250 thousand rubles. Then every year until 2015 it was indexed (increased). As a result, the amount increased to 453,026 rubles. Indexation was suspended in 2020 and will resume next year.

– We received a certificate for maternity capital in 2012, at the same time we used 150 thousand rubles - we paid extra when buying an apartment. Now there should be about 303 thousand left, but why does the Pension Fund show slightly less than 280 thousand?

Anatoly Gasprinsky

Everything is correct, you used part of the maternity capital, and only the remainder was indexed further . In 2012, the amount was 387,640 rubles, you spent 150,000, 237,640 rubles remained.

Then this amount was indexed 3 times: by 1.055 in 2013, 1.05 in 2014 and 1.055 in 2020. Therefore, the balance of funds is:

237,640 × 1.055 × 1.05 × 1.055 = 277,724 rubles.

That is, the larger the amount used earlier, the smaller the amount will be indexed.

– We bought an apartment in 2020 with our own funds, in 2018 our second child was born and my wife received a certificate for maternity capital. Will we be able to get back part of the money spent on buying an apartment when the child turns 3 years old?

Anatoly Gasprinsky

Unfortunately, there is no way expenses already incurred on the purchase of housing This is only available when building or reconstructing a house on your own.

In addition, if you had taken out a mortgage loan to buy an apartment then, now it could be partially repaid with maternity capital funds.

– We bought an apartment with our own money + maternal capital. Now I want to get a tax deduction on my purchase. Will maternity capital somehow affect this process?

Anatoly Gasprinsky

Initially, the property tax deduction for personal income tax is compensation by the state for the taxes that the buyer of the apartment paid when he earned money to purchase it.

If part of the cost was covered by maternity capital, its buyer did not earn money - the money came from the state. Therefore, it is basically impossible to obtain a deduction for this amount.

When calculating the tax deduction, this amount must be subtracted from the total cost of the apartment. For example, if an apartment cost 2 million rubles, and maternity capital was fully used when purchasing it, a deduction (13%) can only be obtained from 1,546,974 rubles.

Monthly payments for a child

The amount of payments for the maintenance of a child adopted into a family is established in accordance with the regulations of the constituent entities of the federation. Monthly benefits are paid for the entire period when the subject had the right to receive it. But only if all documents were submitted no later than 6 months before the end of the payment period.

At the state level, trustees and guardians are provided with monthly tax deduction benefits. The amount of personal income tax deductions for adoptive parents, guardians, trustees and their spouses varies depending on the number of children the family has adopted.

To exercise your right to receive monthly payments from the regional budget, you must independently familiarize yourself with the local legislative framework and then contact the local social security service (at your place of residence).

Under guardianship

As an example, let's take monthly benefits for a child who was adopted into a family in St. Petersburg. In this case, the funds paid for adopted children will amount to 10,444 rubles (including indexation for 2020). Wherein:

• the child must be registered in St. Petersburg;
• money is not paid for children who are fully supported by the state;
• payments stop if the child is re-registered in another locality, after reaching adulthood, due to the death of a guardian or ward.

If we take Moscow as an example, here the following payments are provided for the maintenance of one child who is placed in a family for upbringing:

• in the general case – 15-20 thousand rubles;
• when registering guardianship over 3 or more children – 18-23 thousand rubles;
• for children under 18 years of age with disabilities – 25 thousand rubles.

In a foster family

For each adopted child registered in St. Petersburg, the foster family will receive 10,444 rubles (in 2020); in other regions, other payment amounts are established. Plus, foster parents are also credited with work experience.

Payments to parents are accrued from the month in which the foster family agreement was signed. And subsequently - monthly, no later than the 20th, by bank transfer to the foster parent’s account or by postal transfer. In accordance with the price growth index, this amount will be recalculated annually.

To arrange the transfer of payments in St. Petersburg, you must contact the local government authorities. The transfer of money may stop if the contract was terminated at the initiative of one of the parties, or for some other reasons.

In Moscow, in accordance with Moscow Government Decree No. 492-PP dated May 26, 2009, monthly payments will be:

• 15 thousand rubles – for a child under 12 years old;
• 20 thousand rubles – for a child 12-18 years old.

The amounts will increase if a disabled child or three or more children are taken into care.

Other payments available to adoptive parents

Payments upon adoption of a child also include amounts received by ordinary parents in the form of:

• Maternity capital intended for families in which a second and subsequent children appear (clause 1, article 3 of the law “On additional measures...” dated December 29, 2006 No. 256-FZ). The amount of payment for the adoption of a child in 2020 will be 453,026 rubles. (Clause 1, Article 8 of the Law “On the Federal Budget...” dated November 29, 2018 No. 459-FZ). However, these funds have strictly established areas of use, are issued with a certificate and are issued in the form of cash only in parts and in a limited number of cases (Clause 3 of Article 7 of Law No. 256-FZ).
• Monthly payments to insufficiently wealthy families due to the birth of their first or second child (Clause 2, Article 1 of the Law “On Monthly Payments...” dated December 28, 2017 No. 418-FZ). In this case, the guardian can also receive payments for the first child. For the second of the children, these payments are made at the expense of maternity capital (Clause 4, Article 1 of Law No. 418-FZ). The size of the payment is determined by the child's subsistence minimum established for the region for the second quarter of the year preceding the year of application for it (clause 5 of Article 1 of Law No. 418-FZ).

Thus, in terms of payments for the adoption of a child, adoptive parents differ from ordinary parents in the impossibility of receiving certain benefits (for registration in the early stages of pregnancy and issued at the birth of a child), as well as in the limitation of the duration of maternity leave when adopting an infant. Otherwise, their rights to social security correspond to the rights of a regular parent.

What can you spend money on?

The most standard options include:

1. You can improve your living conditions.
2. Invest the provided amount in your pension. In case of such a decision, you will need to transfer money to the Pension Fund.
3. Invest money in your child's education.
4. Since 2020, a new point has appeared. These funds can be used to help a disabled child.

Since 2020, the President of the Russian Federation has expanded the possibilities for spending funds.

1. You can use maternity capital in parts if the family has a critical financial situation.
2. You can pay for the services of licensed nannies. This is a nanny who officially works and pays taxes.

Procedure

To receive payments for an adopted child, you need to submit the necessary documentation to local authorized bodies. It is necessary to do this within 6 months from the entry into force of the court decision on adoption.

If you did not meet the deadlines, but there is a good reason, then when submitting documents you will need to reapply to the court.

If financial benefits were denied, you should file a claim with the court, which will most likely make a decision in favor of the guardians.

If all the necessary documents have been collected and the rules have been followed, then within a 10-day period from the date of submitting the documents, the money will be transferred to the adoptive parents’ account.

How to get a certificate

To obtain a certificate, you must come to the Pension Fund of Russia, fill out an application and attach the required package of documentation to it.

The text of the application contains the following information:

• the name of the Pension Fund branch to which the applicant applies;
• Full name of the applicant (as well as maiden name);
• applicant’s status – father, mother – and gender;
• date and address of birth;
• passport details;
• citizenship;
• SNILS;
• residence address;
• if the applicant used the help of his trusted representative, information about this person is also indicated;
• information about children according to the order of their birth or adoption: number, full name, details of the birth certificate, date and address of birth, citizenship of the minor;
• request to issue the applicant a certificate for maternity capital in connection with the adoption of a minor;
• an indication that the certificate was not previously issued, and the mother and father were not deprived of their parental rights, did not commit crimes against the life and health of minors;
• list of attached documents;
• date of application, signature.

A sample application form will be issued directly to the PRF. If necessary, the institution's staff will provide assistance in drafting the text of the document.

The list of attached documentation includes:

• a photocopy of the passport, which verifies the applicant’s identity, his Russian citizenship and permanent registration address within the country;
• a court order that the adoption claim has been granted;
• a photocopy of the certificate of registration of the marital union;
• a photocopy of the document establishing the fact of adoption of the child/children;
• if the mother of the children has died or been deprived of parental rights, then if her husband applies, the applicant provides a photocopy of a document that confirms this fact.

You should submit your application along with a package of documentation to the local branch of the Pension Fund of the Russian Federation at your residence address. You can also arrive at the MFC at your residence address or use the government services portal.

The average processing time for an application is no more than 1 month. If the applicant has received a positive decision on his application, he will need to visit the Pension Fund office again to receive a certificate. Typically, no more than 5 working days pass from the date of the decision to the issuance of the certificate - an employee of the institution will inform the applicant about the exact period.

Guardianship and adoption

Having found out what payments are due to guardians, it would not hurt to find out in what cases it is possible to obtain the right to adopt a baby from an orphanage. At first glance, the operation seems to be quite simple, because the state benefits when children are in families. But still the process itself is not so easy. So what is necessary to place a child in a new family?

The legislation of the Russian Federation gives the right to care:

• a specific baby;
• selected from specialized places of guardianship authorities.

Conditions that potential parents must meet:

• must not have a criminal record for committing serious acts (except for persons exonerated from criminal liability on rehabilitation grounds);
• must be of legal age and legal capacity;
• are not deprived of parental rights in relation to other children:
• do not have diseases that are contrary to the law;
• must not be of the same gender;
• mandatory possession of living space for registering a child.

But these are not all the conditions, since the last word still remains with the guardianship authorities. For proper upbringing and pedagogical approach, future parents must undergo a “school for adoptive parents.”

The next step will be collecting documents, namely:

• certificate of no criminal record - obtained from the police department;
• health certificate - issued after undergoing medical examination;
• Form 2-NDFL - issued at the place of work;
• extract from the house register;
• certificate of ownership of real estate;
• written consent of biological parents (if any);
• for children over 10 years old, their consent will be required.

Having collected the necessary documents and certificates, they are submitted to the guardianship authorities. Within 10 days, guardianship staff will come and inspect the standard of living and living conditions. After which an act is drawn up and a claim is filed in court, since the case is heard there. And the law comes into force only after 30 days from the date of the decision.

Second maternity capital for third child

After changes are made to the current legislation, it will be possible to receive assistance for a second child (date of birth from 01/01/2020) in the amount of 616,617 rubles. Registration is carried out through the Pension Fund, MFC or on the government services portal. In addition to a personal visit, you can use remote access to your personal account on the website of the relevant organization.

If maternity capital was received earlier than 01/01/2020, indexation is not provided. However, after the birth of the third child, a second maternity capital 2020 is provided in the amount of RUB 450,000. This money can be used to pay off your mortgage.

The essence of the program

The possibility of accelerated fulfillment of the borrower's obligations under the loan agreement after the birth of the third child was established by order of the President in an address to the Federal Assembly of the Russian Federation (February 2019). In addition to the amount (450,000 rubles), the validity period is determined - from 01/01/2019. The main provisions of the new program are enshrined in special law No. 157 of July 3, 2019:

• participation is permissible only if parents and children have Russian citizenship;
• you can purchase real estate located on the territory of the Russian Federation;
• allowed to take into account adult children when calculating;
• the date of signing the current mortgage agreement does not matter;
• when concluding a new agreement with the bank, the deadline is 07/01/2023;
• There is no need to allocate a mandatory share to other family members.

The last item on the list needs clarification. According to the standard scheme, refinancing housing loans with used capital is difficult. It is necessary to obtain special permission from state guardianship authorities. In this situation, this requirement is excluded, since in order to receive the second maternity capital 2020 (450,000 rubles) there is no need to formalize an obligation to distribute part of the property to the child.

Important! During 2020, changes are planned that will eliminate the noted problem with refinancing. To protect the property rights of the child, it is proposed to enter information about the used maternity capital into the Unified State Register of Real Estate database.

The current law provides for a one-time provision of second maternity capital 2020 in the amount of 450,000 rubles. This means that there is no compensation for the unused portion of the funds. You cannot participate in this program a second time.

Who is entitled to

Assistance in the amount of 450,000 rubles. to pay off debts on a mortgage or loan is provided without taking into account:

• registration of marriage relations;
• income level;
• age of the applicant for maternity capital;
• simultaneous participation in another state support program.

To participate in the second maternity capital program 2020, citizenship does not matter if the spouse is not registered as a co-borrower under an agreement with the bank. To obtain the lender's permission for such registration, they must present a marriage contract or a special agreement. It is necessary to confirm the absence of claims to the jointly acquired part of the property. For detailed information on other details on the topic of second maternity capital 2020, it is recommended to study the special publication on our website.

How to get

To receive second maternity capital 2020 (RUB 450,000), you do not need to contact the Pension Fund. An application with a certificate confirming the birth of the third child is submitted to the bank branch. Identity is verified with a civil passport. The credit institution independently transmits information to DOM.RF within seven working days. It will take no more than 15-20 days to complete all checks. The money is transferred in favor of the bank, so the borrower will only see a decrease in the amount of debt.

Rights and obligations

After entering into a family relationship, certain responsibilities are imposed on the parents and the child. Thus, parents are obliged to :

• maintain the child in material prosperity;
• cultivate cultural, moral and physical qualities;
• provide secondary education;
• do not cause harm to health.

Children, in turn, should:

• grow and develop in the family;
• contact parents and all relatives.

We will not discuss pampering, pranks, running away from home, and other pranks.

How much does the state pay for pregnancy and childbirth?

Maternity supplement is paid to citizens who have adopted a child under 3 years of age, the minimum payment is 28 thousand 555 rubles.

The period for requesting benefits must not exceed 70 days from the date of birth of the child. If guardians have taken in two or more children, the period increases to 110 days. Per month

If the baby has reached the age of 1.5 years, the adoptive parents will receive a monthly allowance for the adoption of a child in the amount of 40% of the average earnings for the last year.

If over the previous 12 months the adoptive parent did not have an official place of work, then he will receive a fixed benefit.

With a base rate of 1 thousand 500 rubles per child, the minimum amount of such payment is 2 thousand 576 rubles.

If you adopted two or more children, the minimum benefit will be 5 thousand 153 rubles with a base rate of 3 thousand rubles. Compensation is paid on specific dates each month. Also, adoptive parents will receive an additional payment of 50 rubles with the regional coefficient every month when the child reaches one and a half years and up to the age of three.

Who can receive capital

In accordance with the norms of Federal Law No. 256-FZ, categories of citizens who have the right to issue and receive a certificate of maternity capital have been established.

Persons who have the opportunity to receive this type of government support when registering the adoption of a minor include:

• adoptive parents of a minor, if the child is the second, third, etc. in the family, including their own children;
• the sole adoptive parent of the child, if he is dependent on another child - natural or adopted;
• a male adoptive parent, if for some reason the ex-wife was deprived of the status of a mother and deprived of the corresponding rights, if he already has children;
• adopted children, if their parents were deprived of parental rights for any reason, died or were declared dead.

Providing family capital is possible only if the child has been in the family since January 2007.

State support is only available to those individuals who already have one or more dependent children. When adopting their first child, parents are entitled to a one-time incentive payment to prepare a place for the child, as well as to purchase clothes and other necessary items.

Do I need a report on the use of state aid?

Domestic legislation equates the institution of adoption with biological kinship. This means that parents have the same rights and responsibilities towards their children, regardless of blood ties.

The state provides additional assistance to adoptive parents so that they can take more care of their children and experience fewer difficulties. There is no need to account for budget money.

The fulfillment of parents' responsibilities is controlled by the guardianship and trusteeship authorities. This applies to all areas of life, including the material support of children.