Payment of 450 thousand for the third child

When a third and subsequent child is born in a Russian family, 450 thousand rubles will be paid from the federal budget to repay the mortgage loan. This is a new measure to support large families in Russia, which will work “retroactively” - from January 1, 2021. On July 3, 2021, President V. Putin signed a law on the payment of 450 thousand to large families, which came into force on the same day.

This means that families with 3 or more children can now participate in this state program and apply to repay part of the mortgage loan (but subject to some nuances).

The conditions for providing such a payment were initially planned to be approved in the relevant Government Resolution, the draft of which was published in April. However, later it was decided to enshrine all the rules regarding this program in federal law. Accordingly, after this law is signed, large families can apply for 450 thousand rubles for a mortgage.

According to the law, large families whose third or subsequent child was born between January 1, 2021 and December 31, 2022 . That is, families in which the third, fourth, etc. children born before the end of 2021 will not be able to participate in the program.

Let us recall that President Vladimir Putin proposed repaying the 450 thousand mortgage loan for families with many children during his annual address to the Federal Assembly. The President then instructed the Government to make all the necessary changes to the legislation by March 25, 2021. However, the development of the document was slightly delayed, and the law in its final content was signed only on July 3, 2021.

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How to get 450 thousand for a mortgage (conditions and procedure for provision)

Vladimir Putin’s proposals to support large families were worked out in detail by the relevant departments. On April 29, 2021, a draft Government Resolution on the basic conditions for the implementation of state regulations was published. support programs for families with three or more children. However, a little later, it was decided to enshrine all the conditions provided for in the program in federal law.

Among the program conditions specified in the text of the law, the following can be distinguished:

1. Support will be provided to families in which a third or subsequent child was born between January 1, 2021 and December 31, 2022. In addition, citizens of the Russian Federation who have adopted a third or subsequent child born during the specified period can participate in the program.
2. The law does not limit the age of older children. That is, if the eldest child is already 18 years old, participation in the program will not be denied.
3. Both the mother of a third or subsequent child and the father are eligible to participate in the program. However, the payment does not apply to third parties who may be borrowers or co-borrowers under the loan agreement.
4. Support provided only for citizens of the Russian Federationwho received a mortgage loan from Russian banks or JSC DOM.RF. The purpose of the loan agreement should be the acquisition of residential premises or residential premises with a land plot from a legal entity or individual under a purchase and sale agreement or an agreement for participation in shared construction. That is, payment can be received if a loan agreement is concluded for the purchase of:
   apartments in a new building;
5. apartments on the secondary market;
6. individual housing construction object;
7. land plot for individual housing construction.
8. The law sets a limit on the date of concluding a loan agreement - no later than July 1, 2023 . Citizens who took out a mortgage loan before the law came into force will also be able to receive 450 thousand from the state.
9. The payment amount is determined as 450,000 rubles, but not more than the actual loan balance and the amount of accrued interest for using the loan.
10. Payment 450 tr. will be carried out from the own funds of JSC DOM.RF, which will then receive compensation from the state budget. The funds will be sent to the bank account of the lender or organization to which the right to claim the mortgage loan has been transferred.

Funds to repay the loan (or part thereof) are provided once . It is impossible to repay 450 thousand of a mortgage loan, since DOM.RF JSC will maintain a register of borrowers who have received such a state loan. support.

Photo pixabay.com

The essence of the law on the payment of 450 thousand rubles on mortgages to large families

The essence of the new law is that large families can receive 450,000 rubles, which will be used to pay off the mortgage debt.
The money is provided without having to be repaid and is used to pay off the principal of the debt. At the same time, the family will be able to save on interest payments, since they will be reduced. If the principal debt is less than the amount stipulated by the government, the balance will be used to pay off interest. When the entire debt, including interest, does not exceed 450,000 rubles, the family will not be able to use the rest of the funds! It cannot be transferred to your account or used to repay another loan.

The state program does not replace any existing benefits! Even if a family is already receiving support, it can still qualify for payments.

At the same time as receiving a subsidy, you can use maternity capital to pay off debt or take out a preferential mortgage at 6%.

The reasons that prompted the adoption of additional measures to support large families:

1. high mortgage rates;
2. the need to improve living conditions in families with three or more children;
3. Most of the family's income goes to paying off the loan.

The adoption of the law made it possible not only to support families who have already obtained a mortgage, but also to help those who need it, but are hesitant due to lack of funds, purchase housing. If a family became large during the period of the law, but they do not have a mortgage loan, they can take it out and receive compensation until July 1, 2023.

Where to go and what documents are needed

Funds in the amount of no more than 450 thousand rubles will be transferred to the bank by DOM.RF JSC in order to repay part of the mortgage debt upon the birth of a third and subsequent child in the borrower’s family. Therefore, to participate in the program to support large families, you will need to contact the creditor bank with an application and documents confirming the borrower’s compliance with the conditions of the state program.

To participate in the program you will need to provide the following documents:

• a loan agreement concluded for the purpose of purchasing residential premises (including residential premises with a land plot);
• children's birth certificates.

The credit institution (bank) will send documents and an application to DOM.RF, where they will check for compliance with the program requirements and make a decision on the provision of government measures. support. In case of a positive decision on the application, JSC DOM.RF will transfer 450 thousand rubles. to the lender's bank account for the purpose of full or partial repayment of the mortgage loan.

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The costs incurred by DOM.RF JSC will be compensated in the form of subsidies provided monthly by the Ministry of Finance of the Russian Federation. For these purposes, already in the current year 2021, the Government will allocate 15 billion rubles. from your reserve fund.

Please note that at first there may be difficulties in receiving payments, since not all banks are yet aware of the existence of a program to support large families. In addition, the conditions under which DOM.RF sends funds to banks to repay loans have not yet been approved by the Government (the draft is published here).

How to get 450 thousand, the procedure for receiving payment

To take advantage of the opportunity to pay off part of the debt using the budget, you need to go through several steps:

1. Collect a complete package of documents and submit it to the bank. If the loan was issued by Dom RF JSC, you can contact the company directly.
2. Then the bank sends the documents to the operator. This is the longest stage, since employees of the House of the Russian Federation carefully study all documents and carry out the necessary checks.
3. If a positive decision is made, the House of the Russian Federation transfers funds to the applicant’s account in the bank where the mortgage was issued.

Funds to repay part of the loan are annually allocated from the reserve fund and transferred to the operator’s account. In 2021, the total amount of compensation issued to large families amounted to 15 billion rubles.

What points you need to pay attention to

Let's list some of the nuances and subtleties of participation in the program for compensation of 450 thousand for a mortgage:

1. The payment amount is determined as 450,000 rubles, but not more than the loan balance and the amount of accrued interest. If the balance is less than 450 thousand, then only this amount will be paid. At the same time, the remaining funds are up to 450 thousand rubles. is not compensated (they will return to the budget).
2. You can participate in the program just one time (i.e. only one mortgage). You cannot receive the payment again, even if:
   the birth of another child;
3. taking out another mortgage.

Even if the first mortgage was repaid by less than 450 rubles, it is also impossible to transfer the balance to repay another loan.

• The mortgage loan agreement must be drawn up before July 1, 2023. If the mortgage was taken out before the start of the program (December 31, 2019), you can also receive 450 thousand rubles. Refinancing also does not affect participation in the program.
• There is no mandatory allocation of shares to children, as is established for maternity capital.
• The loan borrower can participate in the program. This can be a mother or father (necessarily citizens of the Russian Federation). Moreover, children must also be citizens of the Russian Federation .
• Doesn't matter:
• the number of children the spouses have in common;

presence of a registered marriage;

• citizenship of the non-borrower spouse.

If both spouses are borrowers, both must meet the conditions. They must be citizens of the Russian Federation and each of them must have three or more children.

When part of the loan is repaid by the state, the family loses the right to part of the tax deduction when purchasing real estate (as with maternal capital).

It is too early to contact the bank for mortgage compensation . The program will begin to work only after the approval of the Government Resolution , which stipulates the conditions and rules for the provision of subsidies from the federal budget for Dom.RF (the operator of this program). Only after this Dom.RF will accept applications from banks. The Resolution is expected to be signed within a month. Stay tuned for updates to the material, we will definitely inform you about it!

Support for large families in 2021

The measures proposed by the President in his annual address to the Federal Assembly to support families with children in 2021 are not limited to the possibility of writing off 450 thousand for a mortgage. other measures to support large families were also proposed

Increase the real estate tax benefit for large families according to the principle “the more children, the lower the tax” - namely, additionally exempt from property tax 5 square meters of housing for each child in an apartment and 7 square meters in an individual residential building.

Example

If three children live in an apartment, then in addition to the currently provided benefit in the amount of 20 sq. m of housing area, an additional 3 × 5 = 15 sq. m will be exempt from taxation. m of apartment, i.e. in total 20 + 15 = 35 sq. m of residential premises will not be subject to property tax.

It should be noted that all these proposals have not yet been legally approved . Therefore, it will take time for the Government and the State Duma to develop and adopt relevant new laws. It is also impossible to say for sure when the proposed support measures will come into effect. Therefore, families will need to be patient and wait for all issues to be agreed upon.

According to Part 7 of Article 1 of this law, the procedure for implementing this benefit, as well as the list of necessary documents, must be determined by the Government of the Russian Federation. On May 17, 2021, a draft Decree of the Government of the Russian Federation was posted on the official website, which regulates the issue of reimbursement of 450 thousand rubles to large families for mortgage repayment.

Note! The document has not yet entered into force; it is still only a draft. Subscribe to the VKontakte group and find out details about the entry into force of this resolution of the Government of the Russian Federation.

Benefit for a third child in 2021

In order to find out what specific benefits are available for the birth of a third child in your region, you need to contact the reception office of the local administration. There is an easier way - visit the State Services website. The portal contains a list of all payments provided by local administrations.

It is worth noting that not all subsidies can be issued through the State Services website. To receive some subsidies, you will have to visit the Social Insurance Fund, Pension Fund or other government agencies in person.

For Moscow, local authorities will introduce the following subsidies when a family receives the status of a large family.

1. Compensation for payment of utility bills up to 50%.
2. Allotment of land up to 15 acres.
3. Preferential prescription medications.
4. A single ticket for all types of urban public transport.
5. Providing a place in a preschool institution without a queue.
6. Additional days of leave for parents (up to 5 days paid and mandatory 14 days without salary retention).
7. When three children are born at once, an additional subsidy of 50,000 rubles is provided.
8. At the birth of the third child, if both parents have not reached the age of 30 years - 10 subsistence minimums one-time.

Note that all the listed subsidies in each city vary in composition. For example, in some respects, the Moscow region may differ from subsidies in Moscow. If these are gubernatorial payments (the document is approved by the governor), then the region will receive exactly the same support as the city. And if the document is issued with the signature of a mayor, then only the city.

Officially, only the second child and all subsequent ones are included in the maternity capital program. That is, parents can receive a certificate for their first child and for their second. Changes have been made to the law in 2021: previously, maternity capital could only be obtained for the second or any subsequent child. For the first, families were not provided with any additional privileges, except for regional payments of child benefits.

As for the birth of three children into the family, such an event does not go unnoticed by local authorities. Additional payments to families with many children are allocated from the regional budget. In different regions, benefits and the amount of regional maternity capital differ. In some places, mothers are paid a one-time benefit in the amount of 50-100 thousand rubles, while in others they are assigned an additional monthly child benefit.

Citizens can find out what support a family can receive for a third child in 2020-2021 at social protection centers in their region of residence.

The State Services portal has also begun to provide a special service: at the birth of a baby, the mother (father), if she is registered there, automatically receives a list of all the benefits and payments that she can receive for the child. Some services do not even require special registration - payments and benefits are calculated automatically.

Maternity capital for a third child in Russia has not yet been included in the payment program for very simple reasons: citizens began to pay for two children only in 2021, which means that families simply will not have time to give birth to one more child.

If there are already two children, for one of whom the parents have received a certificate of accrual of maternity capital, then the birth of a third baby for the state will automatically mean that the parents have a “second” child, because those who have not yet been “paid” will be counted.

If there are two children in a family and none have received maternity capital, then the appearance of a third child will mean that the family will be paid for two children - for the second and third, respectively.

The amount of maternity capital for the first child in 2021 is 466 thousand rubles. For the second child, an additional 150 thousand is paid. In total, the family can receive 616 thousand rubles.

Presumably, the amount of maternity capital in 2021 will be increased by 3.7% : for the first child they will pay 483 thousand, and for the second, provided that a certificate was not received for the first, the amount of maternity capital will be 639 thousand rubles. If the family has already received maternity capital once, the additional payment will be slightly more than 155 thousand rubles.

It is worth noting that the Maternity Capital program is quite popular in Russia, and over the years of its operation (2007-2015), more than 6 million mothers received certificates of one-time benefits when a second and subsequent children appeared in the family (including when adopting a child). This capital is a significant help to mothers, since in 2015 alone its amount was 453 thousand rubles. Many people know that it is not possible to receive maternity capital in cash (“we do not take into account gray” schemes), and it can be spent on the following purposes:

1. To improve living conditions (purchase of more extensive, convenient and comfortable housing), payment of mortgage loans
2. To pay for children’s education in paid educational institutions
3. For the funded part of the mother's pension

As noted above, this current program was scheduled to end at the end of 2021. At the same time, good news for Russian families may be that since 2015, a bill has been created and is being considered on the payment of updated “Maternity capital”, but in the amount of 1,500,000 rubles, and now not for the second, but for the third child. To be more precise, on April 21, 2015, deputies of the State Duma of the Russian Federation considered in the first reading the corresponding bill Federal Law No. 571638-6 on a threefold increase in the amount of maternity capital (up to one and a half million rubles), which, if approved and approved, will be valid for ten years - from January 1, 2021 to December 31, 2026. The significant differences between the new law under consideration and the existing one will be the following:

1. The size of maternity capital will be increased three times - up to 1.5 million rubles
2. He will be given away not for the second, but for the third and subsequent children in the family (regardless of whether they were born in this family or adopted by this family)

Law on 450 thousand for a mortgage for a large family

In a legal sense, this will not be a law, but a decree of the Government of the Russian Federation. It will be called - On the main conditions for the implementation of the program of additional measures of state support for citizens of the Russian Federation who received a housing (mortgage) loan (loan) for the purchase of housing, upon the birth of their third child in the period from January 1, 2021 to December 31, 2022 subsequent children.

Let's consider the main conditions for receiving government payments.

MATERNAL CAPITAL 2018-2019

In April 2015, deputies in the Russian State Duma were proposed a new bill on indexing the amount of maternity capital to 1,500,000 rubles for the birth-adoption of a 3rd and subsequent child in the period from January 1, 2021 to December 31, 2026.

It was proposed to triple the size of the one-time benefit—one and a half million per child)), but at the same time make the distribution more targeted: only to large families, and only starting from the third child in the family.

After discussion, the bill was rejected:

• firstly, due to injustice: some families received half a million before the law was adopted, while others will be given 3 times more));
• secondly, if the maternity capital has already been spent, one and a half million will no longer be received;
• thirdly, the indexation of benefits was frozen at that time;
• fourthly, the bill did not propose to increase sources of funding, indicating general wording, and as we know, the budget is not rubber))

So, you won’t be able to get one and a half million rubles for either the second or third child...

Child benefits in 2021

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Non-cash transfer of capital for housing...

The draft Federal Law “On Amendments to the Federal Law “On...additional measures of state support for families with children”...was prepared in order to expand the opportunities for families with children to improve their...living conditions. In accordance with the Federal Law “On Additional Measures...of State Support for Families with Children,” families in which, from January 1, 2007...second or subsequent children were born or adopted, after three years...can receive additional state support in the form of maternity capital. The federal...law “On additional measures of state support for families with children”...provides, as one of the areas for managing funds...maternity capital, the possibility of using them to improve housing...conditions. Since January 1, 2009, families have been given the opportunity to use...maternity capital funds, regardless of the period that has elapsed from the date of birth...(adoption) of the second and subsequent children, but only to repay the main...debt and pay interest on loans and borrowings for the purchase or construction of...residential premises. According to information from the Branch of the Pension Fund of the Russian...Federation in the Udmurt Republic, about 10% of persons entitled to additional...measures of social support in accordance with the Federal Law “On...additional measures of state support for families with children”...used maternity capital funds to repay the main debt and...payment of interest on loans or borrowings for the purchase of residential premises (figures...are comparable to the average for the Russian Federation). At the same time, in the conditions of... a difficult economic situation, credit institutions often refuse to provide families with... mortgage loans or housing loans and do not consider... a state certificate for maternity (family) capital as one... of the ways to ensure the fulfillment of obligations. Thus,…unequal conditions are created for families in need of improved housing conditions after…the birth of their second and subsequent children. Many families postpone having children because they do not have housing conditions and do not have the opportunity to get a loan.

Maternity capital up to 3 years...

Many mothers complain that... maternity capital up to the age of 3 can only be used for a mortgage. But...we were not the first to come up with the idea of ​​starting to use maternity capital before...the child turns three years old. Back in 2008, a bill on the early use of maternal capital funds was introduced to the State Duma. But the bill...was not adopted - moreover, it was rejected.

For housing without a mortgage or loan...

Currently, the right to receive maternity capital can be...exercised no earlier than three years from the date of birth (adoption)...of the second, third child or subsequent children, except in the case...of the need to use funds (part of the funds) of the maternal (family)... capital 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.
The bill... proposes to establish the possibility of filing an application for disposal without... a three-year period if it is necessary to use... maternity capital for the purchase (construction) of residential premises. At present, there is a common situation in which persons entitled to receive...maternity capital have a certain amount of money available, which...in itself does not allow them to purchase (build) the required residential premises, however...when adding the amount of maternity capital, such the opportunity would appear...if... The situation in which maternity capital can be obtained immediately only in... the case of repaying a loan or loan for the purchase of housing forces... the above-mentioned persons to enter into mortgage agreements without the need, thereby... overpaying for housing, enriching banks and other credit organizations. At the same time...at the same time, the inflation rate is such that if you do not conclude a mortgage agreement for...immediate implementation of the right to maternity capital, after three years of waiting...the available amount, even taking into account the addition of the amount of maternity capital, is no longer...enough to purchase a home.
Thus, in this case, the person is forced...to apply for a loan. The purpose of this bill is to timely...provide citizens of the Russian Federation with the opportunity to purchase (build)...housing directly, on terms favorable to them. TEXT OF THE BILL UNDER...CONSIDERATION Amend the following...change to Federal Law No. 256-FZ of December 29, 2006 (Collection...of Legislation of the Russian Federation, 2007, No. 1 (1 part), Art. 19): part 6.1 of Article 7 shall be stated in the following edition: “6.1. An application for...an order may be submitted at any time from the date of birth (adoption)...of the second, third child or subsequent children, if necessary...using funds (part of the funds) of maternal (family) capital for...purchase (construction) of residential premises, including including repayment of the principal...debt and payment of interest on loans or loans 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.” President of the Russian Federation Use of maternity capital up to 3 years...

The draft federal law “On Amendments to the Federal Law “On...additional measures of state support for families with children” was developed...in order to provide material support to families with children who entered into a credit agreement (loan agreement) on December 31, 2010 inclusive acquisition…(construction) of residential premises. Federal Law of December 29, 2006 No. 256-FZ “On...additional measures of state support for families with children” (hereinafter -...Federal Law) provides as one of the areas...disposal of funds (part of the funds) of maternal...(family) capital the possibility of using them to improve living conditions. At the same time, the Federal Law ... allows for the disposal of these funds no earlier than three years from the date of birth (adoption) ... of the second, third child or subsequent children. Taking into account the date of entry into force of the Federal Law (from January 1, 2007), this means the possibility of...disposing of these funds no earlier than January 1, 2010.

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When and where should a mortgage be taken out?

• the mortgage was issued in Russian banks or in JSC DOM.RF;
• the mortgage can be issued until 2021 ;
• the payment can be used to pay off a loan issued to pay off a previous mortgage;
• Both a mother with many children and a father with many children can participate in the program;
• The borrowers (joint and several debtors) may also include third parties (in addition to the father and mother), to whom the requirements for the presence of children may not apply.

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What documents are needed to receive 450 thousand for large families?

The procedure for receiving preferential support in the amount of 450 thousand rubles will be determined by JSC DOM.RF and should be posted on its official website. This organization will pay off the mortgages of large families and then receive compensation from the budget.

To receive compensation, parents with many children will have to submit an application to the bank that issued the loan and attach supporting documents.

About the blog author

My name is Irina. I am a mother of many children of three wonderful boys, and part-time a lawyer and copywriter. I would like to share with readers information in the field of the rights of large families. I hope my experience will be useful to other families.

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Contribution from the budget

The State Duma adopted in the first reading a bill on mortgage compensation for large families. An amount of 450 thousand rubles for these purposes will be received by those borrowers who will have a third or subsequent child after January 1 of this year.

The initiative was prepared on behalf of the President of the Russian Federation and supported by representatives of all Duma factions. The bill was introduced by the speakers of the State Duma and the Federation Council Vyacheslav Volodin and Valentina Matvienko.

Commenting on the initiative to journalists, the head of the lower house drew attention to the fact that the law will have a retroactive effect and will take effect from January 1, 2021, that is, it will affect families with a new addition this year. The funds necessary to implement the order already exist, he assured.

According to the explanatory note, the validity of the new law covers the next three years. As the head of the specialized committee on the financial market, Anatoly Aksakov, explained to the deputies, after this the validity of the innovation can be extended, based on “whether the corresponding funds will be in the budget.”

The parliamentarian also described the mechanism for allocating compensation. According to him, the family will contact the bank, and the credit institution will then contact DOM.RF. After this, the unified housing development institute, which will be the operator of this program, will check the information provided. After this, DOM.RF will transfer the amount to the bank to repay part of the borrower’s mortgage loan.

“The amount may be less than 450 thousand if the family needs less to repay the obligations that the borrower has to the credit institution,” explained the head of the committee.

Compensation can be received repeatedly. “If you have a fourth or tenth child, then there are no restrictions in the law, so work,” Aksakov lifted the spirits of his colleagues.

For the second reading, the Cabinet of Ministers and the Presidential Administration proposed to clearly state in the law the amount of compensation, who will receive it, etc. So far this has been done only in the explanatory note. The relevant committee intends to correct this shortcoming.

If you add up the new compensation with maternity capital funds, which today amount to 453 thousand rubles, then this will be a good reduction in the mortgage burden, the deputies noted.

First Deputy Chairman of the Financial Market Committee Igor Divinsky emphasized that this amount will not be subject to taxation. In general, the measure is relevant, he noted, because the number of Russians has begun to decline. “Therefore, families who decide to take on the feat of raising three or more children need our help,” he emphasized.

The innovation, he said, will become part of the system of housing support for large families - this will also include new property tax benefits and subsidized mortgage rates.

As DOM.RF told RG, all large families will be able to take advantage of the program, regardless of how long ago they had a mortgage loan. It is planned that the new mechanism will apply to both finished and under construction housing.

DOM.RF will transfer the amount to the bank to repay part of the borrower's mortgage loan. Family savings through the program, together with maternity capital and tax deductions, can amount to more than 1 million rubles, the development institute explained. Based on the average cost of housing at 2.74 million rubles (excluding Moscow, the Moscow region and St. Petersburg), this is more than 40% of the cost of the apartment. Such support will allow large families to significantly improve their living situation and reduce the cost of servicing their mortgage.

— One of the important tasks for all participants in the process is to make decisions on providing support as quickly as possible. To interact with banks, DOM.RF proposed using a unified information system for housing construction. This will automate the process of accepting applications and making decisions on them, so that large families can receive state support in a short time,” stated DOM.RF.

*This is an expanded version of the text published in the issue of “RG”