Until what year is the “maternity capital” program valid?

The amount of maternity capital in 2021

In 2021, the amount of maternity capital was fixed at 453,026 rubles, and did not change over the next four years. And in 2021, for the first time in a long time, the amount increased - now married couples with two or more children can count on receiving 466,617 rubles, the size of maternity capital has thus increased by 13.5 thousand rubles.

The funds on the issued certificate are not enough to purchase, for example, a one-room apartment. Moreover, this amount is essential for making the first payment on the mortgage or for paying off the main body of the loan.

However, the fact that there are not enough maternity capital funds to purchase an apartment does not mean that there must be a lot of personal savings. After all, it all depends on the city in which the housing is purchased and on the cost of the property.

Already now, potential buyers, having personal savings of one hundred to two hundred thousand rubles, are becoming the owners of a 1-room apartment in the Harmony residential area, 9 km from Stavropol. Such an investment is practical and profitable for residential purposes and as an investment.

Until what year is maternity capital paid?

Another important condition that is imposed on a person counting on receiving funds is the presence of citizenship of the Russian Federation. Citizenship itself is the basis for the emergence of the right to capital, therefore its presence is taken into account precisely at the moment when a child appears in the family due to birth or adoption.

We recommend reading: Registration of ownership of a summer cottage

Maternity capital has been issued for twelve years now. Every woman who has given birth to a second or subsequent child can contact the local branch of the Pension Fund or MFC and receive a cash certificate. One family has the right to receive a certificate only once. In the next four years, the amount of maternity capital will not be indexed and will amount to 453,026 rubles.

Indexation of maternity capital

The amount of maternity capital has increased by 81 percent since 2007 and until the end of 2021 amounted to 453 thousand rubles. As you can see from the graph below, the four years from 2021 to 2021 the amount of maternity capital was “frozen” and did not change. Maternity capital indexation has resumed in 2021, and this process has been introduced as a mandatory element of the program of the national project “Demography”. Now families with two or more children will receive payments increased by 3.8% - 466 thousand 617 rubles.

Let's look at the indexation of maternity capital on the graph, or in other words, how the amount on the certificate increased over several years.

The change in the size of the motherboard is intended to compensate for the increase in prices for goods and services.

The indexation chart of maternity capital clearly shows that at first the indexation significantly exceeded the inflation rate. Somewhere from 2010, the annual increase in the amount of funds on the certificate became not as significant as before - within two to three tens of thousands of rubles.

Duration of the maternity capital program

Federal Law No. 256-F3 was adopted back on December 29, 2006, and the program was initially designed for ten years, so its period of validity should have come to an end with the end of 2016.

However, the validity period of maternity capital in accordance with No. 256-F3 dated October 30, 2018 was extended until 2021, so families with children were able to take part in it in the future.

When studying the question of until what year the law on maternity capital is valid, it should be taken into account that, on instructions from the President, its validity period will be extended until the end of 2026. This deadline was proposed in the Address of the President of the Russian Federation to the Federal Assembly on January 15, 2020 and, together with other changes, must be legalized by April 15, 2020.

It is during this period that families with one (from 01/01/20), two or more children have the right to state support.

Indexation of maternity capital after receiving monthly payments

Since 2021, families with less than 1.5 times the subsistence level per person - the minimum level of income necessary to ensure a certain standard of living in Russia - have been given the right to receive monthly payments from maternity capital.
Payments are due until the child turns 1.5 years old; from 2020, the age threshold has increased to three years. How much money will be provided to parents depends on the region in which the couple and children live. As a general rule, the size of a one-time payment coincides with the cost of living of a child in a given region for the 2nd quarter of the previous year. Thus, in the Stavropol Territory, the cost of living per child in the second quarter of 2019 was 9,843 rubles. It is worth remembering that the amount of the lump sum payment is constantly updated, so it is customary to write an application for the issuance of funds annually.
Many of those who take advantage of this opportunity are interested in the question of whether maternity capital is indexed after receiving lump sum payments.

According to the law, planned growth of funds is carried out regardless of the provision of payments. For example, if in 2021 a family received 25,000 in cash from maternity capital, 428,026 rubles remained unused. This remainder is indexed.

Until what age is maternity capital paid to the mother?

Hello. The maternal (family) capital program is a form of state support for Russian families with children. This type of state social assistance is provided to Russian citizens from January 1, 2007 upon the birth or adoption until December 31, 2021 of a second, third or subsequent child with Russian citizenship, provided that the parents have not previously exercised the right to additional measures of state social support. The amount of maternity capital for 2021 and 2021 does not change, the size of the certificate is now 453,026 rubles.

• as a criterion of need for obtaining the right to payments, a level of average per capita family income is proposed in the amount of 1.5 times the subsistence level of the working-age population in the corresponding region of residence;
• monthly payments from maternity capital are proposed to be provided in the amount of the regional subsistence minimum per child (the average in Russia for the 2nd quarter of 2021 is 10,160 rubles);
• payments can only be received for the second child born on January 1, 2021, until he reaches 1.5 years of age (why the payment is offered up to this age is not very clear, especially since up to one and a half years, parents are already paid a monthly child care allowance and other child benefits).

Latest news and changes

We invite you to find out what is changing in the law with the onset of 2020.

Preschool education, child care and supervision

One of the areas where maternity capital funds can be invested by law is preschool education. However, before the changes were made, it was possible to pay for a kindergarten or nursery after three years from the date of birth of the second (third and subsequent) child. Now this rule has been canceled. The right to dispose of funds arises after two months from the date of its acquisition, that is, almost immediately after the birth of the baby.

In this case, placement of the child in a non-budgetary preschool educational institution is allowed. Or payment for the services of a child development center. The only thing that is important is that the organization has a document confirming the right to provide this type of service.

Mortgage on preferential terms for families with two or more children

The government allowed families with two (three or more) children born between 2021 and 2022 to take out a mortgage and pay off the debt with maternity capital. Now you don’t have to wait until your child reaches three years of age. Also, unlike other categories of borrowers, holders of maternity capital can count on a preferential interest rate of 6% per annum. When it comes to choosing housing, the government makes virtually no restrictions - you can choose secondary or primary housing, conclude a deal on shared housing, or invest in building a house. You cannot only purchase dilapidated housing, since in this case we are not talking about improving living conditions.

Even more news on the topic

Among other innovations, it is also worth noting the extension of the family capital program until December 31, 2021. This is good news for young families, and, as mentioned above, the indexation of maternity capital will resume, which means there is a greater likelihood of solving the housing issue.

Please pay attention! State support is not intended for young families whose second or subsequent child was born before January 1, 2007. Also, persons who are not citizens of the Russian Federation do not qualify for the program.

Federal Maternity Capital (FMK)

in 2021 is set at

483,881.83 ₽ for the second child born (adopted) before December 31, 2021 inclusive

483,881.83 ₽ for the first child born (adopted) from January 1, 2021

155,550 ₽ for the second child born (adopted) from January 1, 2021, provided that the first child was also born (adopted) from January 1, 2021

639 431, 83 ₽ for the second child born (adopted) from January 1, 2021, provided that the first child was born (adopted) before December 31, 2021 inclusive

639,431.83 ₽ for the third child or subsequent children born (adopted) from January 1, 2021, provided that the right to receive maternity capital did not previously arise

450,000 ₽ to pay off the mortgage loan upon the birth of the third child or subsequent children

Matkapital in the regions

What can you spend maternity capital on?

The scope of application of the maternal certificate has been expanded, and now this is where state support funds can be sent:

Let us describe each of these five points in more detail.

Investing in residential real estate:

• purchase of premises suitable for living, a house or apartment;
• construction of a cottage through the services of a contractor;
• independent construction or restoration of residential premises;
• reimbursement of construction costs or reconstruction of the appearance of a destroyed residential building;
• making a down payment on a mortgage;
• payment of the main body of the mortgage loan;
• transfer of money for the purchase of housing under an agreement of shared participation in construction;
• transfer of funds as a participant in housing, housing and construction savings cooperatives.

A prerequisite for purchasing housing is its location on the territory of the Russian Federation.

Education:

• funds from indexed maternity capital can be used to receive educational services at an accredited institution of higher, secondary and preschool education located within the Russian Federation.

You can pay for the education of any child, including adopted ones. One condition: the child’s age should not exceed 25 years at the start of training.

Formation of the funded part of the labor pension for women:

• all or part of the family capital can be invested in the funded part of the labor pension. The savings portion remains in the person’s account and is usually invested.

Receiving a monthly payment from maternity capital funds for low-income families.

Parents who have had a second baby since January 1 can apply. 2021 How to calculate?

• Add up family income for the last 12 months;
• We divide this amount by 12;
• Next, we distribute this value by the number of family members, including the newborn baby;

Compare. Is the calculation result less than 2 times the cost of living? This means you can safely apply for payment assignments.

Maintenance of disabled children:

• Certificate funds can be used to pay for services and goods related to the social adaptation of disabled children immediately after receiving the document, without waiting for the child’s third birthday, with whose birth the right to state support became available.

The procedure in this case is as follows: first, the family applies to a medical and social examination institution and receives there an individual rehabilitation program for the child with a list of goods and services he requires. Then parents buy the necessary goods and services, making sure to request cash documents. Next, the family applies to the Pension Fund branch (the request can be submitted either in person or on the Pension Fund or State Services websites) with a request to compensate for the expenses incurred.

Is it possible to get a loan for maternity capital?

MK funds can be used to obtain and repay one type of loan - a mortgage loan. It is permissible to use MK funds to repay the loan available at the time of the birth of the second child, spent on purchasing housing. It doesn't matter which parent the bank gave the money to. The main condition is the registration of residential premises in the common possession of family members.

The owner of maternal capital who decides to take out a mortgage can do this as soon as he issues a certificate. You can use the funds received as a down payment or for partial repayment of an already issued loan.

According to the law, the fund issues money to the home seller after the transfer of ownership. But at this moment the first installment must already be paid. Banks use the following scheme:

1. The father or mother is issued a consumer loan in the amount of the down payment.
2. A mortgage is issued according to existing rules, buyers take money from a targeted loan, pay the seller for the apartment and receive ownership.
3. The documents are submitted to the Pension Fund, which, after verification, sends the maternity capital to the bank, and the latter repays the consumer loan.

If the family is not satisfied with this scheme, they can save up for the down payment on their own, apply for a mortgage without the participation of the Pension Fund, and then request funds from maternity capital for partial early repayment of the loan.

Regional maternity capital

In addition to the federal maternity capital program, there are also family support programs at the regional level. To be more specific, only a few entities provide financial assistance to couples with children, expanding their opportunities to purchase real estate or resolve other pressing issues within the framework of the relevant legislation. In this case, the conditions for receiving benefits, the amount of funds allocated and options for investing them depend on the decision of the regional authorities.

Regarding the areas of use of funds, it should be noted that regional authorities allow the use of regional maternity capital for the rehabilitation of disabled children. For this money, you can also carry out treatment in specialized medical centers, where high-tech methods of therapy are provided.

As for the Stavropol Territory, unfortunately, regional maternity capital does not operate. It has been canceled since the beginning of 2016.

Deadlines for receiving maternity capital

An important feature of the maternity capital program is the ability to contact the Pension Fund for assistance at any time. The validity period of state assistance is not limited by time during the duration of the MSC state initiative.

The most important thing you need to pay attention to is the validity period of maternity capital after receiving it. Many citizens mistakenly believe that if they do not manage to obtain a certificate during the duration of the program, they simply will not be able to use it and will lose existing opportunities. But what matters is not when the certificate was issued or submitted to the Pension Fund, but when the second and subsequent children were born. It will be possible to receive the document and present it to the Pension Fund after 2026.

So, the current rules do not limit the shelf life of maternity capital, but there is one significant time limitation that needs to be paid attention to.

If you want to use the payments to compensate for the cost of your child's education, his age should not exceed 25 years.

Thus, if you have any doubts about when maternity capital for your second child ends, know that the law does not limit you, and the next extension of its validity provides opportunities for receiving state support after 2021.

Registration of maternity capital

So, you have a second child, which means it’s time to think about applying for a state subsidy.

What stages must you go through to receive the long-awaited benefit:

1. Issue a birth or adoption certificate for a child;
2. Wait until the child is granted Russian citizenship;
3. Write an application to receive maternity capital and, together with the rest of the “necessary papers,” provide them to the specialists of the pension fund management;
4. After waiting for a positive decision from the pension fund management specialists, receive a certificate.

The application can be submitted without leaving home, using the electronic services of the Pension Fund of the Russian Federation.

Then you can think about where it is profitable to invest your money.

Directions for using maternity capital

According to the official website of the Pension Fund, state support funds can only be used by bank transfer and only for certain purposes. Legislation gives certificate holders the right to compensation for educational services, solving housing problems, forming a funded pension, as well as social adaptation of children with disabilities.

It is precisely because of the social significance of this type of state support that the expiration date has been postponed more than once.

Find out in more detail for what purposes maternity capital can be used.

Who and how can manage maternity capital according to the new rules

14:05, 06.05.2020 106557

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Biysk residents allocated 450 million rubles from maternity capital funds to improve their living conditions last year.

In March, in Russia there was active talk about the coronavirus and the fact that now maternity capital will be paid when not only a second child appears in the family, but also the first. What other fundamental changes have occurred with maternity capital, where the funds can be directed and who can count on it in an increased volume - BR told about this

Galina KARAGODINA , head of the Pension Fund Office in Biysk and Biysk region.

• – Galina Yakovlevna, after the president announced new conditions for receiving maternity capital, did you receive more requests for clarification? What are people especially interested in?

– Yes, of course, we are receiving questions about the new conditions. There were especially many of them after the president’s address to the Federal Assembly, during which the changes were announced. Of course, the most common questions were two: is it true that now they will also give a certificate for the first child and what amount of the certificate will be given at the birth of the second child?

• – For ordinary Russians, the introduction of maternity capital payments for the birth of their first child was good news. Did the Pension Fund authorities know about such large-scale changes in advance?

– I can’t say whether this was known to the Main Directorate in Moscow, but in our Biysk branch they learned about these innovations in the same way as all Russians - from the president’s address to the Federal Assembly. You need to understand that a statement about upcoming changes is one thing, but the regulations by which we work are the next stage. That's why we waited for legislative acts. On March 1, the President signed the Federal Law “On Amendments to Certain Legislative Acts of the Russian Federation on Issues Related to the Emergence of the Right to Maternity (Family) Capital,” and we have already begun work on its implementation. And in just the first week - from March 9 to 13 - five mothers already contacted us to obtain a certificate for their first child, and about 40 received a certificate for the birth of their second child.

• – What has fundamentally changed in obtaining maternity capital?

– Firstly, the circle of recipients has changed. Today, maternity capital is received for the birth of the first child. Secondly, the size of these payments has increased. Thirdly, the very form of applying for maternity capital has changed - we will dwell on this in more detail. And fourth, it became known that the president extended the maternity capital program until December 31, 2026.

The amount of maternal (family) capital in 2020: 466,617 rubles - for families whose right to additional measures of state support for families arose before January 1, 2021; — for families in which, starting from January 1, 2021, their first child was born or adopted. 616,617 rubles - for families in which a second child was born or adopted in 2020; - for families in which, starting from January 1, 2021, a third child or subsequent children were born or adopted, while the right to additional measures of state support did not arise before January 1, 2021; - in the case of the birth or adoption of a second child starting from January 1, 2021, provided that the first child was also born or adopted starting from January 1, 2021.

• – Often, when laws regarding any payments appear, myths associated with them also appear. In the first days, people even asked for clarification - it turns out that they will pay 466 thousand for the first child, and another 616 for the second? It turns out to be more than a million...

- Of course not. 616,617 rubles is the total amount that families with a second or subsequent children can count on, and it is also very significant, and I am sure it will be a good help for families with children.

• – What areas of managing maternity capital remain the most popular among Biysk residents?

– First of all, this is improving living conditions. The amount is significant, and for many it turns out to be decisive in the issue, for example, of expanding housing, and this question invariably arises when children appear. So, in 2021, about a thousand families chose this particular direction for investing maternity capital, which is almost 450 million rubles.

Such an area as a child receiving an education using maternity capital also remains in demand. There are such appeals - last year there were less than a hundred of them. This includes paying for the maintenance of a child in kindergarten or higher education for older children.

Since 2021, Biysk residents have actively begun to use the opportunity to receive monthly payments from maternity capital. It also provides for reimbursement from capital of costs for the purchase of rehabilitation equipment for disabled children. In addition, maternity capital funds can be used to fund the funded part of the mother’s pension, but there are no applications in Biysk yet for choosing this direction.

• – By the way, remind us once again about monthly payments from maternity capital: who can count on them and under what conditions?

– Families whose average per capita income in 2020 does not exceed two times the subsistence minimum established in the region for the second quarter of the previous year have the right to this payment. Previously there was a condition - one and a half living wages. Thus, the circle of recipients has now been expanded. To calculate the monthly payment in the Altai Territory in 2021, you need to start from the amount of 21,674 rubles. Add up all the family’s income, divide it by the number of its members - this is mom, dad and children, and if the amount per person is lower, then the family meets the conditions for receiving a monthly payment of 10,203 rubles.

• – How long after the birth of a child can you start managing maternity capital funds? It is still ingrained in people's minds that this right comes only when the child turns three years old. But there were changes here too .

– There were, and these changes are not even this year. Thus, exceptions have appeared under which the disposal of maternity capital is possible even before the child reaches the age of three. First of all, this is repaying mortgage loans, sending the amount to education or maintaining a child in kindergarten, as well as receiving monthly payments. In these cases, the capital can be used immediately, that is, immediately after the certificate is issued. In other cases, the period remains the same - three years from the date of birth of the child who gave the right to receive maternal family capital.

• – In addition, have the terms for registering maternity capital been reduced?

– Yes, indeed, the period for registration, that is, making a decision to issue or refuse to issue a certificate, has been reduced from 15 days to five. However, if the Pension Fund needs to clarify any information specified in the application, then this period can be extended to 15 days. For comparison: previously this procedure took up to a month.

• – We promised to return to new ways of obtaining a certificate for maternity capital. I know that you have coined the concept of “proactive mode”. What it is?

– This is a regime that allows you to obtain a certificate without contacting the Pension Fund. This is a new way to obtain a state certificate based on information received from the unified state registry office. That is, the registry office provides information that a child was born, and based on this information exchange, the Pension Fund makes a decision to issue a certificate.

In addition, the possibility is now being considered when contacting credit institutions - banks, for example, when applying for a loan or mortgage - to fill out an application for a certificate of maternity capital there, that is, again, without additional applications to the Pension Fund.

• – How else can you apply for maternity capital?

– The application can be submitted through your personal account on the government services portal or on the website of the Russian Pension Fund. We also recommend contacting the Multifunctional Center. The application can be submitted to the client service of the Pension Fund Office at the address: st. Mukhacheva, 228, and for convenience, pre-register by phone. (3854) 34-34-40.

Due to the current restrictive measures to prevent the spread of coronavirus infection, check the possibility of submitting an application in person.

Author: Natalya Karsheva

Photo: Sergey Kulygin, Ekaterina Egorova “BR”.

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