Reducing the time required for registering maternity capital and disposing of its funds
Starting from 2021, it will be possible to register maternity capital and manage its funds in a shorter period of time.
According to the new procedure, no more than five working days will be allocated for the issuance of the MSK certificate, and no more than ten working days for consideration of the application for the disposal of funds. In some cases, these deadlines may be extended to fifteen and twenty working days, respectively, if there is a need to request information from other departments. Until the end of this year, the current regulatory deadlines for maternity capital will remain in effect. It takes fifteen working days to issue a certificate, and one month to consider a family’s application for disposal of funds. In practice, most territorial bodies of the Pension Fund already provide relevant government services in an accelerated manner.
Procedure for registering maternity capital
The registration procedure includes several stages:
- The applicant must contact the Pension Fund office (at the place of residence or place of actual stay).
- After writing an application to receive a certificate and have it accepted by the fund for consideration, you must wait 1 month, since this is exactly the period the fund will need to make a decision on the application.
- Fund employees will report the results of the review within five working days.
- The state certificate is then sent to the applicant by mail or delivered in person.
Those citizens who are outside the Russian Federation should know that an application for a certificate must be submitted through an authorized representative, or by directly contacting the Russian Pension Fund.
Proactive registration of a maternity capital certificate
To ensure that families not only receive maternity capital faster, but also do not waste effort on obtaining it, starting from mid-April, the Pension Fund will begin proactively issuing MSC certificates.
This means that 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. The Pension Fund will do everything necessary for this on its own. Information about the birth of a child giving the right to maternity capital will be received by the Pension Fund from the state register of civil status records. Currently, the fund's branches are testing the issuance of a certificate based on the information from the civil registry office and determining the necessary information about parents and children for this.
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.
The blank on stamp paper is no more
Since March 2021, the Pension Fund has stopped issuing a certificate for maternity capital on state form . Instead, citizens had the opportunity to download an electronic version of the certificate. The electronic certificate will contain all the same data as the previous form:
How to download an electronic certificate?
How do you understand that you have already received a certificate? To do this, you need to have a verified account on the State Services portal (how to do this?). The notification about the issue of maternity capital to you will come there.
The electronic certificate for maternity capital itself can be downloaded from your personal account on the Pension Fund website:
https://es.pfrf.ru/
In the Request History section
In the line Proactive provision of maternity capital
Or directly in the section dedicated to maternity capital:
Direction of maternity capital to pay for loans through banks
The approved changes make it more convenient to manage maternity capital for the most popular area of the program among families - improving housing conditions with the use of credit funds.
In order to more quickly direct maternity capital to repay loans, the corresponding application can be submitted directly to the bank where the loan is opened. That is, instead of two applications - to the bank and the Pension Fund - the family only needs to contact 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.
The provision of this service will develop as agreements are concluded between banks and the Russian Pension Fund.
Buying a car with maternity capital and other innovations
In September, deputies from the Vladimir region proposed allowing maternity capital on buying a car ; before that, such an amendment was proposed by the Ministry of Industry and Trade. Of course, such initiatives were once again not supported .
But there is good news: now some banks can independently send an application to the Pension Fund for the disposal of maternity capital. Previously, in order to use maternity capital to pay off a mortgage, at the first stage it was necessary to come to a bank branch and inform the manager about it, and then go to the Pension Fund branch and write a statement there.
Only after several weeks of checks were funds from maternity capital allocated to pay off the mortgage. Now the procedure has been significantly simplified; all you need to do is write an application at the bank branch itself and it will automatically be sent to the Pension Fund. The list of banks that operate according to this scheme may change over time and depending on the region.
What can you pay with maternity capital?
It is not necessary to use the entire amount at one time; it can be spent in parts. In most cases, you will have to wait until the child for whom the maternity capital was issued turns three years old. If the money can be used ahead of schedule, this will be indicated separately in the text.
In relation to maternity capital, words like “paid” or “money” are often used. But you need to understand that basically no one gives any money to mothers. They receive a certificate that confirms their right to capital. And the Pension Fund transfers the funds to the final recipient if the mother decides to spend the money in one of the ways permitted by Federal Law of December 29, 2006 N 256-FZ. There aren't many of them.
Improving living conditions
With the help of maternity capital, you can Resolution of the Government of the Russian Federation of December 12, 2007 N 862:
- Buy a house or apartment. Both new buildings and secondary housing are suitable.
- Build a house using contractors or on your own, including on garden plots.
- Reconstruct housing.
- Make a down payment on a loan when purchasing a home. Moreover, in this case there is no need to wait for the child’s third birthday.
- Pay off part of the principal and/or interest on an existing mortgage. There are also no age requirements for the child.
- Pay for participation in shared construction or a housing cooperative.
Child's education
With maternity capital funds, Federal Law No. 256-FZ dated December 29, 2006 can be used to pay for:
- educational services in kindergarten, as well as supervision and care;
- schooling and after-school education;
- secondary specialized or higher education, as well as accommodation in a hostel;
- classes in clubs or sections.
It is important that the organization has a license to provide the service. You can pay for the classes of any child under 25 years old, not only the one for whom the maternity capital was issued. But if we are not talking about kindergarten, then you will have to wait for the third birthday of the child who brought the certificate to the family.
Adaptation and integration into society of a child with disabilities
Federal Law No. 256-FZ of December 29, 2006 allows you to pay with capital funds only for goods and services from the list of Russian Government Order No. 831-r of April 30, 2016, established by the government. You can purchase, for example, a bath chair, a specialized keyboard or a lift.
Mom's pension
Using maternity capital, you can increase the funded part of your mother’s old-age pension. Investing in non-state pension funds and private management companies is allowed, even for non-working women.
Before reaching retirement age, money from the fund can be withdrawn Federal Law No. 256-FZ dated December 29, 2006 in order to be used for other purposes permitted by law.
Monthly allowance for a second child up to three years of age with a low income
A family whose average per capita income is less than two subsistence levels in the region can apply for benefits Federal Law No. 418-FZ dated December 28, 2017 for the first and second child under three years of age. It is equal to the regional subsistence minimum for children and is paid monthly.
But if money is allocated from the budget for the first child, then maternity capital funds are already spent on the second.
Who is entitled to maternity capital now?
Now a lot depends on exactly when the child was born and what type of child he is. For simplicity, further we will talk about the birth of a baby, but this also applies to adoptive parents.
Who is entitled to maternity capital for their first child?
If the first child was born in 2021 or later, the family receives maternity capital in the amount of 466,617 rubles. When the second baby arrives, another 150 thousand will be paid. In total this is 616,617 rubles.
Who is entitled to increased maternity capital?
Some will be able to receive 616,617 rubles at a time. This will happen if the first child was born before 2021, and the second in 2021 or later.
In some cases, larger families can also claim this amount. 616,617 rubles will be issued upon the birth of a third or subsequent child, if previously the right to maternity capital did not arise. This is possible if all previous children were born before 2007.
Who will be given maternity capital according to the old rules?
If both children were born before 2021, then maternity capital is issued as before - only for the second and in the amount of 466,617 rubles. This works even if the family has not issued a maternal certificate, but simply acquired such a right until 2021.
If the second child was born between January 1, 2007 and December 31, 2021, the family receives only 466,617 rubles.
Main changes in maternity capital
In order to maintain positive demographic trends, Federal Law No. 35-FZ dated March 1, 2020 “On amendments to certain legislative acts of the Russian Federation on issues related to the disposal of maternity (family) capital funds” sets the deadline for the provision of maternity capital to December 31, 2026.
As you know, the program for providing maternity capital in accordance with Federal Law of December 29, 2006 N 256-FZ “On additional measures of state support for families with children” was calculated for the period from January 1, 2007 to December 31, 2021.
All major changes
Maternity capital amount
The amount of maternity capital is annually indexed taking into account inflation (with the exception of 2021-2021) and is not subject to personal income tax. The amount of maternity capital in 2021 is established by part 1 of Article 8 of Federal Law dated December 8, 2020 N 385-FZ “On the federal budget for 2021 and for the planning period of 2022 and 2023”:
- 483,881.83 rubles for persons whose right to additional measures of state support for families with children arose before January 1, 2021, as well as for persons whose right to additional measures of state support for families with children arose in connection with the birth (adoption) of the first child starting from January 1, 2021;
- 639,431.83 rubles for persons whose right to additional measures of state support for families with children arose in connection with the birth (adoption) of a second or third child and subsequent children starting from January 1, 2021, if they did not previously have such a right arose.
The amount of maternal (family) capital for persons whose right to additional measures of state support for families with children arose in connection with the birth (adoption) of the first child, upon the birth (adoption) of the second child increases by 155,550 rubles .
Federal Law “On Amendments to Certain Legislative Acts of the Russian Federation and on the Procedure for Providing a Lump-Sum Payment from Maternity (Family) Capital” dated July 28, 2010 N 241 clarified that not only the full amount of maternity capital is subject to annual indexation, but also unused remainder.
