Maternity capital in 2011 and 2012 - news and changes

Directions for using maternity capital in 2021:

• receiving a monthly payment for low-income families who have had a second child since January 1, 2021,
• improvement of living conditions,
• payment for educational services for children,
• formation of the mother’s future pension,
• payment for goods and services for social adaptation and integration into society of disabled children.

According to the Pension Fund as of July 2021, 242,187 families have received certificates in the Krasnoyarsk Territory since 2007. The most popular area of ​​use is improving housing conditions (almost 169 thousand families took advantage of the right), more than 13.5 thousand families allocated MSC funds for the education of children, almost 9 thousand families receive a monthly cash payment, 114 certificates were used for mother’s funded pension, 6 – for the purchase of goods for disabled children.

The amount of maternity capital in 2021

The amount of maternity capital in 2021 is:

Download a table with mortgage programs of Krasnoyarsk banks with the possibility of using maternity capital (updated daily).

Who will be denied a maternity capital certificate in 2021

The use of maternity capital will not be available to persons who are denied it, and this will happen in the following cases:

• The applicant cannot claim the money. For example, if this person's children were born/adopted before or after the opportunity to qualify for support became available.
• The applicant's right was terminated. An example of such a situation would be the deprivation of parental rights of a mother.
• The person who wrote the statement provided false information. For example, he incorrectly indicated the order of birth of children or “corrected” their dates of birth.

A certificate will not be issued even if this has already been done and the parent has spent the money.

How will maternity capital change in 2021?

Changes in the maternity capital program in 2019-2021

We list the significant changes made to the maternity capital program in recent years:

• In 2021, the amount of maternity capital has been increased by the forecast inflation rate (3.7%).
• Since April 2021, access to mortgage refinancing has been simplified for recipients of maternity capital. Families will be able to register an apartment for their children after full repayment of the loan from the bank that refinanced the mortgage.
• From April 11, 2021, maternity capital funds allocated for retirement can be redirected to other purposes. You are given 6 months to choose another direction to spend the funds. If an application for disposal is not submitted, then within 3 months the maternity capital funds are returned to the same NPF.
• From January 1, 2021, maternity capital is issued to families in which their first child was born on January 1, 2020.
• You can use maternity capital to repay the loan directly at the bank where the loan is opened. That is, instead of two applications - to the bank and the Pension Fund - it is enough to contact only the bank, where at the same time a loan is issued and an application is submitted for repayment of the loan or payment of the first installment.
• From January 1, 2021, a certificate for maternity capital is issued within 5 working days, applications for disposal of funds are considered - no more than 10 working days.
• The Government of the Russian Federation has made changes to the procedure for allocating maternity capital funds to improve housing conditions, allowing maternity capital to be used to purchase housing using escrow accounts.
• The State Duma adopted in the third reading a law on the possibility of using maternity capital funds to pay a down payment or repay a mortgage provided by organizations that provide housing for military personnel. It is proposed to extend the law to contracts concluded from March 18, 2019.
• In the third reading, a law was adopted that will allow women to withdraw maternity capital funds previously allocated for the formation of a funded pension for use for other purposes.
• Starting from 2021, maternity capital can be used for the construction or reconstruction of a residential building on a garden plot.
• From March 12, 2021, when using maternity capital to improve housing conditions, a notarial obligation to allocate shares to all family members is no longer required. In this case, residential premises purchased with maternal capital funds must, in any case, be registered as the common property of parents and children.
• From January 1, 2021, families whose average per capita income does not exceed two times the subsistence level (previously 1.5 times) of the working-age population in the region of residence have the right to receive a monthly cash payment from maternity capital funds.
• From April 15, 2021, maternity capital is assigned proactively based on the registry office database - after the birth of the child, maternity capital will be issued automatically and the family will be able to begin managing the funds without applying for the certificate itself. Data on the issuance of the certificate are recorded in the Pension Fund information system and sent to the mother’s personal account on the Pension Fund website or the State Services portal. For families with adopted children, the previous application procedure for obtaining a certificate is retained, since only the adoptive parents themselves can provide information about adoption.
• From 2021, monthly payments are paid until the second child reaches the age of 3 years (previously until the age of 1.5 years).
• The Russian government has prepared a decree according to which parents will be able to use maternity capital as a contribution to a rural mortgage.

Use of maternity capital

The problem of how the maternity capital will be used is quite acute, since it will not be possible to spend this money on yourself. The scope of their application is severely limited. According to the law, money can be used as follows:

1. Improving living conditions. With public funds you can pay the down payment on an apartment, pay off the mortgage debt, or use funds for construction work or reconstruction. The main thing is that the house where capital will be invested is not in disrepair. If you take out a mortgage, you can spend the money without waiting until the baby turns 3 years old. This is an exception since the other options need to wait.
2. Education. The money can be spent on both the older and younger child. The older one will be able to study at the chosen university, and the younger one will be able to go to kindergarten. The main requirement is to have a license. You can pay for preschool education right away, but otherwise you will have to wait until the child turns three.
3. Mother's pension. The money will be transferred to the savings portion.
4. Expenses for children with disabilities. There is a specialized list, and products can only be purchased from it.
5. Monthly payments. This money can be received by families from 2018, and in 2021 it has been established that payments will be available to families where individual income is half the average in the region. The amount of maternity capital in the form of this payment is the subsistence level of the children and goes to the mother every month.
6. Automobile. You can buy a vehicle only from regional capital, and only if such an opportunity is provided. Although the Duma already has a bill under consideration, according to which parents will be able to buy a domestic car if its price does not exceed a million rubles.

If you have decided what you can spend your maternity capital on, you should start submitting another application. This also needs to be done in person by contacting the Pension Fund, MFC or on the State Services website.

How to spend maternity capital in 2021

Persons who received maternity capital can manage maternity capital funds in 2021 in full or in parts simultaneously in the following areas:

• Receiving a monthly payment from maternity capital for low-income families
  who have had a second child since January 1, 2021. To understand whether a family is eligible for payment, you need to divide the income of parents and children for the last year by 12 months, and then by the number of people in the family. When calculating, it is necessary to take into account not only wages, but also bonuses, pensions, social benefits, scholarships and some types of monetary compensation, which will need to be documented. The only exception will be payments provided by the Pension Fund. If the amount received is less than 2 times the minimum subsistence level, you can apply for a monthly payment. The 2-fold subsistence minimum in 2021 in the Krasnoyarsk Territory is 27,838 rubles. The size of the payment also depends on the region - it is equal to the subsistence minimum for children, which was established in the constituent entity of the Russian Federation for the second quarter of the previous year. If a family applies for payment in 2021, its amount will be the subsistence minimum for children for the second quarter of 2021 - 13,763 rubles. You can apply for a monthly payment at any time within 3 years from the date of birth of your second child. If you apply in the first 6 months, the payment will be established from the date of birth of the child, that is, funds will be paid for the months before the application. If you apply later than six months, the payment is established from the date of submission of the application. An application for a monthly payment can be submitted to the client service of the Russian Pension Fund or through a number of MFCs. Monthly payments are made until the child reaches 3 years of age.
• Improving living conditions
  . Residential premises purchased using funds (part of the funds) of maternity capital must be located on the territory of the Russian Federation. On January 1, 2009, Law No. 288-FZ dated December 25, 2008 “On Amendments to the Federal Law “On Additional Measures of State Support for Families with Children” came into force. These changes provide for the use of maternity capital to repay a loan for the purchase or construction of housing, including a mortgage, regardless of the period that has elapsed from the date of birth (adoption) of the child, with whose birth the right to maternity capital arose. Also, since May 2015, it has become possible to use maternity capital for a down payment on a housing loan, without waiting for the child’s third birthday with the birth of which the right to state support measures arose. It was possible to use maternity capital funds to repay housing loans before the child’s third birthday, but this rule did not apply to the down payment.
• Construction and reconstruction of housing
  without the involvement of contractors (changes since 2010). The implementation of the law will allow families to use maternal (family) capital in the construction (reconstruction) of residential buildings without the involvement of contractors. The law establishes the following procedure for providing these funds: an amount not exceeding 50% of maternity capital can be received at the initial stage of construction (reconstruction) if documents for construction are available. The family will receive the rest in six months upon presentation of documents confirming construction work or reconstruction work. In this case, residential premises acquired (built, reconstructed) using maternity capital funds are registered as the common property of parents and children with the size of shares determined by agreement. Starting from 2021, maternity capital can be used for the construction or reconstruction of a residential building on a garden plot. Previously, it was possible to build a house only on land intended for individual housing construction.
• Receiving education by a child (children)
  in any educational institution on the territory of the Russian Federation that has the right to provide appropriate educational services. The age of the child for whose education funds (part of the funds) of maternity capital can be allocated should not exceed 25 years on the date of commencement of studies in the relevant educational program. In addition, from November 28, 2011, funds or part of maternity capital funds can be used to pay not only for education, but also for the maintenance of a child in an educational institution. This can be either a kindergarten or any educational institution that implements the basic general educational program of preschool education or the basic educational programs of primary general, basic general and secondary (complete) general education.
• Formation of the funded part of the mother’s labor pension
  .
• From 2021, maternity capital can be used for social adaptation and integration of disabled children into society
  .

Let's take a closer look at the most popular direction.

How is partially used maternity capital indexed?

You can use maternity capital when the child turns three years old. The funds can be used in whole or in part to improve housing conditions, educate children, form the funded part of the mother’s labor pension, and social adaptation of disabled children. Women who have given birth to a second and subsequent children can also apply for a monthly payment from the maternity capital fund. It is impossible to completely cash out the certificate.

The law allows you to use maternity capital not in full, but in parts. In this case, indexing also occurs, but for the remaining part. To accurately calculate the indexation of the balance (unused part) with partial use of maternity capital, it is best to contact the Pension Fund.

Payment of the mortgage using maternity capital funds in 2021

As noted above, family capital funds can be used to improve housing conditions, including repaying a loan taken for the purpose of this very improvement.

You can pay off a mortgage loan with maternity capital, even if the loan is issued not to your mother, but to your spouse. Maternity capital funds can be used to repay a loan that was taken out before the second child was born.

The rules allow the use of maternity capital both when applying for a loan to improve housing conditions and to repay a loan received before the birth of a second child. However, it is important to emphasize that housing purchased using maternal (family) capital must be registered as the common property of parents, children and other family members

. If, at the time of submitting an application for the allocation of maternity capital funds to repay a mortgage loan, the housing is not registered as common property, then the Pension Fund must provide a written undertaking to subsequently register this housing as the property of parents, children and other family members living together with them.

In accordance with the law, funds or part of the funds of maternity capital can be used to repay the principal debt and pay interest on loans or borrowings for the purchase (construction) of residential premises, including mortgage loans provided to citizens under a credit agreement (loan agreement) concluded with an organization, including a credit institution, regardless of the period that has elapsed from the date of birth (adoption) of the second, third child or subsequent children. That is, there is no need to wait for the child’s third birthday, thanks to which the family has the right to receive maternity capital.

The procedure for repaying an existing or applying for a new mortgage loan can begin immediately upon receipt of the certificate. Please note that maternity capital funds cannot be used to pay fines, commissions, penalties for late fulfillment of obligations on these loans or borrowings.

Those wishing to use maternity capital funds to repay a housing or mortgage loan must take into account a number of nuances.

Maternal capital

This type of state assistance has existed in Russia since January 1, 2007, when the country's President Vladimir Putin signed the corresponding document. This most important event was preceded by a speech by the head of state to parliamentarians, which spoke about catastrophic demographic problems and the growing need to find ways to overcome them.

Maternity capital was supposed to become a tool that would motivate young families to expand their numbers. Initially, this support measure was provided to families raising two or more natural or adopted children, and the value of the certificate was 250,000 rubles. This amount was allowed to be spent only on the purchase of real estate.

More than 13 years have passed since then, and the social program has fully proven its worth. During this period, about 10 million families took advantage of their right. The size of the payment is regularly indexed, and the range of possibilities for its use is expanded.

Evgenia Galkina says that in 2021 the amount of maternity capital will be 639,431.83 rubles if the second child in the family was born no earlier than January 1, 2021. At the same time, according to our expert, you can now submit an application online, and the processing time has been significantly reduced.

Important! The right to maternity capital comes from the very moment of birth or adoption of a baby, but it can be realized only after the child reaches the age of three, except in cases when it goes towards an initial payment on a mortgage, its repayment or payment of interest on a mortgage loan, as well as for the purchase goods or services for a disabled child.

“A monthly payment for the poor can also be issued immediately after the birth of the second baby,” adds our expert.

You will not be able to use the funds at your own discretion even after the child turns three years old. The law provides for the following possibilities for using maternity capital:

• Buying a home. There are no special conditions for the apartments. You can choose an option both in a new building and in the secondary market. The main requirement is to allocate shares for all family members. • Improving living conditions. • Children's education. The funds can be used, among other things, to pay for a private kindergarten, if there is such a need, or to educate older or younger children. • Formation of the funded part of the mother’s pension. • Purchase of goods and payment for services for the social rehabilitation of disabled children. • Receiving a monthly payment (only for low-income people whose monthly income does not exceed 2 minimum wages established for a particular region).

Important! Any attempts to cash out maternity capital are illegal and will be prosecuted by law!

You can apply for maternity capital on the State Services website. A completed certificate will be sent there if the child was born after April 15, 2021. The account balance is also visible on the website.

Despite the fact that capital is called maternal capital, a man can also take advantage of this measure of state support if the mother is deprived of parental rights, died or is listed as missing.

pixabay.com/

An application for disposal may be refused in the following cases:

1. termination of the right to additional measures of state support; 2. violation of the established procedure for filing an application for disposal; 3. indications in the application for direction of the use of maternity capital funds not provided for by Federal Law; 4. indications in the application for the disposal of an amount or its parts in the aggregate exceeding the full amount of maternity capital funds, which the person who submitted the application for disposal has the right to dispose of; 5. restrictions of persons in parental rights in relation to a child, with the birth of which the right to additional measures of state support arose, on the date of the decision on the application for disposition filed by the specified person (until the restrictions on parental rights are lifted in the prescribed manner); 6. removal of a child, in connection with whose birth the right to additional measures of state support arose, in the manner prescribed by the Family Code of the Russian Federation (for the period of removal of the child); 7. if housing purchased using mat capital funds is recognized as unsafe or the apartment building is subject to demolition or reconstruction.

How to apply for mortgage repayment with maternity capital

To dispose of maternity capital funds in 2021, you must personally or through a representative contact the territorial body of the Pension Fund of the Russian Federation with an application for disposal, which indicates the amount allocated to repay the principal debt and pay interest. The above application can also be sent by mail. In this case, the original documents are not sent (except for the certificate), and the authentication of the documents and the signature on the application is carried out in the manner prescribed by law, i.e. notarized. You can apply for a certificate and manage its funds through the citizen’s Personal Account on the Pension Fund website or the government services portal.

To use maternity capital to repay loans more quickly, you can submit the appropriate application directly to the bank where the loan is opened. That is, instead of two applications - to the bank and the Pension Fund - it is enough to contact only the bank, where at the same time a loan is issued and an application is submitted for repayment of the loan or payment of the first installment.

In 2021, more than 1,300 families in the Krasnoyarsk Territory have already taken advantage of this right.

Checkmate capital

It would seem that the maternity capital program has come to an end. Everyone who wanted to take advantage of government assistance did so a long time ago. Those who, for any reason, did not have time to apply for benefits will not receive budget funds. The former will remember the payments with kind words, while the latter will remember them with annoyance. But it was not there!

Recently it became known that the maternity capital program has been extended. This news was announced by V. Putin when starting the election campaign. Until what year is maternity capital valid for the second child? The program has been extended until December 31, 2021. These are the results of the Kremlin meeting on demographic policy for the coming years.

To date, many families throughout Russia have not only received a certificate for maternity capital, but have also taken advantage of it. In particular, over the 11 years of the program’s existence, 4.7 million people have improved their living conditions by receiving maternity capital for their second child. 2021 will be another year of the program.

Since January 1, 2007, the country has been operating a state program of assistance to families with children - maternity (family) capital. Mat capital is understood as a measure of state support for families in which a second or subsequent child was born (adopted). As part of this program, the state allocates funds to the family for certain targeted expenses, for example, to improve housing conditions or educate children.

Basic documents provided simultaneously with the application:

1. certificate for maternity (family) capital or its duplicate;
2. identification documents, place of residence (stay) of the person who received the certificate; 3. insurance certificate of compulsory pension insurance of the person who received the certificate; 4. Marriage certificate - if the spouse is a party to the transaction or obligations for the purchase or construction of housing. Documents for sending MK funds to pay a down payment when receiving a loan or loan for the purchase (construction) of housing:

• a copy of the credit agreement (loan agreement) for the purchase (construction) of housing;
• a copy of the mortgage agreement that has undergone state registration in the prescribed manner, if its conclusion is provided for in the credit agreement (loan agreement).

Documents for sending MK funds to pay the principal and interest on loans or loans for the purchase (construction) of housing:

• copy of the loan agreement. If maternity capital funds are used to repay a loan that was taken out to refinance a loan (loan) for the purchase or construction of housing, then it is additionally necessary to provide a copy of the previously concluded loan agreement (loan agreement);
• a certificate from the creditor (lender) about the amount of the balance of the principal debt and the debt to pay interest for using the credit or loan;
• a copy of the mortgage agreement that has undergone state registration in the prescribed manner, if its conclusion is provided for in the credit agreement (loan agreement);
• an extract from the Unified State Register containing information about rights;
• if the individual housing construction project has not been put into operation: a copy of the agreement for participation in shared construction, which has passed state registration in the prescribed manner, or a copy of the permit for the construction of an individual residential building;
• if the credit (loan) was provided to pay the entrance fee and (or) share contribution to the cooperative: an extract from the register of members of the cooperative confirming membership in the cooperative of the certificate owner or his spouse (a document confirming the filing of an application for admission to membership in a housing savings cooperative, or decision on admission to membership in a housing, housing-construction cooperative);
• a document confirming receipt of a loan by non-cash transfer to an account opened by the person who received the certificate or his spouse (wife) in a credit institution.

Elena Emelyanova, head of the department of social payments of the OPFR in the Krasnoyarsk Territory

, noted:

From March 12, 2021, in accordance with Federal Law No. 35-FZ dated March 1, 2020, a notarial obligation to allocate shares to all family members no longer needs to be attached to an application for the use of maternal (family) capital to improve housing conditions. At the same time, residential premises acquired (built, reconstructed) using maternity capital funds must in any case be registered as the common property of parents and children; now this requirement is contained in Part 4 of Art. 10 Federal Law No. 256-FZ of December 29, 2006 “On additional measures of state support for families with children.”

The branch of the Russian Pension Fund in the Krasnoyarsk Territory, from January 1, 2021, issues a certificate for maternity capital within 5 working days, considers applications for the disposal of funds - no more than 10 working days

. In some cases, these deadlines can be extended, respectively, to 15 and 20 working days, if other departments do not respond in a timely manner to the request of the territorial bodies of the Pension Fund of the Russian Federation for the information necessary for making a decision. Let us remind you that previously no more than 15 working days were allotted for the issuance of MSK, and no more than 30 days for the consideration of the application for the disposal of funds.

Size and indexing

In just 8 years of the program, the size of maternity capital increased by 72%. In 2007, the amount was 250 thousand rubles, and by 2014 it increased to 429,408.5 rubles. Regular indexation of the subsidy allows it to correspond to the level of current inflation.

According to the draft federal budget for 2015, the amount of maternity (family) capital provided for by the law of December 29, 2006 No. 256-FZ “On additional measures of state support for families with children” is subject to indexation by the amount 5,5%

and will amount to
453,026.0 rubles
.

Krasnoyarsk banks working with maternity capital in 2021

Some banks accept maternity capital only to reduce the loan amount; less often, banks are ready to accept maternity capital as payment of interest on the loan. In any case, both options are beneficial to the client. Since a decrease in the loan principal leads to a recalculation of interest on the principal debt.

All banks providing mortgage lending are required to accept maternity capital in 2021 as payment for part or all of the principal debt on a mortgage loan - these are about 30 credit organizations in Krasnoyarsk (as of January 2021).

In accordance with Decree of the Government of the Russian Federation dated December 12, 2007 No. 862, maternity capital can be used as a down payment when obtaining a loan (loan), including a mortgage, for the purchase or construction of housing. However, not all banks are ready to accept it as a down payment.

In general, it is easier to list banks in Krasnoyarsk that are ready to accept maternity capital as a down payment on a mortgage: AK BARS Bank, Acceptance, Gazprombank, Raiffeisenbank, Rosselkhozbank, Sberbank, UniCredit Bank.

Maternity capital can be used as a supplement to the down payment for the purchase of residential real estate under the mortgage programs of Absolut Bank, Asia-Pacific Bank, Alfa Bank, DOM.RF Bank, Otkritie Bank, Zhilfinance Bank, VTB, Far Eastern Bank, Yenisei United Bank, Lanta -Bank, Mosoblbank, Levoberezhny Bank, Sovcombank and Uralsib Bank, Promsvyazbank, Rosbank Dom and Russian Standard banks, as well as the Krasnoyarsk Regional Housing Construction Fund.

Download Mortgage programs of Krasnoyarsk banks with the possibility of using maternity capital (updated daily)

Regional maternity capital in 2021

On June 9, 2011, a law was adopted on the introduction of its own regional maternity capital on the territory of the Krasnoyarsk Territory. The third or subsequent child born in the family after July 1, 2011, as well as an adopted child, has the right to receive regional maternity capital. The validity of the regional law on regional maternity capital in the Krasnoyarsk Territory has been extended until December 31, 2026. Over ten years, 49.5 thousand families became holders of regional certificates.

The funds received can also be used in several areas:

• improvement of housing conditions (construction, reconstruction of housing, or repayment of mortgage loans);
• education for the child or all children in the family;
• purchasing vehicles or repaying car loans;
• acquisition of technical means of rehabilitation for the child that are not included in the federal and regional lists (for medical reasons);
• receiving cash payments in the amount of 12 thousand rubles once a year.

Since January 2021, the regional maternity capital, taking into account indexation, is 153,158 rubles.

You can get advice on regional maternal (family) capital by calling the regional maternal capital hotline.

Maternity capital in 2011 and 2012 - news and changes

Since 2012, the amount of maternity capital has increased to 387,600 rubles (in 2011 it was 365,698). Also at the end of last year, changes were made regarding the possibility of using maternity capital.

Since the end of 2011, it has become possible to use maternal capital not only to educate children, but also to support them in educational institutions and kindergartens. This will allow you to pay, for example, for a kindergarten, of any form of ownership. In order for the Pension Fund to be able to pay for these services, it is necessary to provide an agreement with the kindergarten (or other institution), which must indicate the cost of providing services.

In addition, maternity capital can be used not only for the purchase of housing, but also for the construction and reconstruction of an individual residential construction project (at the same time, the concept of “reconstruction” does not include repairs in apartments). Since last year, you can spend the entire amount of maternity capital for these purposes. Maternity capital can also be used for the construction and reconstruction of housing without the involvement of contractors.

The authorities promise that from July 2012 it will become easier for citizens to obtain maternity capital. There will be no need to collect certificates from organizations providing state and municipal services; they will have to collect them themselves.

Another innovation of 2012 is regional maternity capital . Now many regions, a significant part of the constituent entities of the Russian Federation, have already adopted the relevant regulatory documents. As for the amount of this payment, in some regions it is 100 thousand rubles, but varies depending on the capabilities of the regions.

Olga Samarina, director of the department for organizing social protection of the population of the Ministry of Health and Social Development: - We need the regions to more actively support the birth of a third child. To do this, you need to interest the family, show that the state also really needs a third child. This task was set in the President's message.

Currently, 4 bills have been submitted to the State Duma:

The 1st bill is designed to help families with their current needs. It is proposed to provide the opportunity to receive the entire amount of maternity capital into a special bank account, from which money cannot be withdrawn, but interest will be paid monthly. When a family decides to use maternity capital differently (for example, for a child’s education), it will be able to change the direction of using the funds.

After preliminary consideration, the bill was sent for revision, as a number of technical flaws were discovered in it. By December 2011, all the shortcomings were eliminated, and now the bill is going to be considered in the spring of 2012.

The 2nd bill proposes using maternity capital for parental education. It is currently being discussed.

The 3rd bill concerns the receipt of maternity capital in the event of the birth of two or more children at one time. In this case, parliamentarians want to provide funds for each child.

The 4th bill, if adopted, will provide an opportunity to receive maternity capital for women and men who have one (or more) of their children - stepsons or stepdaughters.

Reference:

Maternity capital is funds for the implementation of additional measures of state support for families with children. A mother (Russian citizen) can receive a certificate of maternity capital for her second child (also a Russian citizen) if this child was born or adopted between 2007 and 2021. At the same time, it does not matter at all where they live, where the child was born and from whom.

The father can also receive funds. But only if he is the sole adoptive parent of two or more children. Moreover, the last child was born (or adopted) since 2007. That is, if these children do not have a mother or she is deprived of parental rights.

A certificate for maternity capital can be obtained for the third child (or fourth), if it was not received for the second (or third). You can also receive a certificate for the first twin, you just need to determine which of the children was born second.

Maternity capital will not be given if the child died during childbirth. But they must give it if the child died in the first week (for such children they now also give birth certificates). The adoption of a stepdaughter or stepson (the husband's children from a previous marriage) also does not give the right to maternity capital.

Maternity capital can be spent no earlier than 3 years after the birth (or adoption) of a child. In this case, the upper limit is not limited. That is, maternity capital funds can be used, for example, for a child’s education even after 15 years. Until this time, funds will be indexed until at least 2016.

To date, almost 3 million 280 thousand certificates have been issued to receive this subsidy. About 26% of these certificates have already been redeemed. Almost all families – 98% – used these funds to improve their living conditions. 16 thousand families allocated funds for the education of their children, and about 700 more mothers invested them in the amount of their future pension.