Details about how many times you can receive maternity capital

How many times can you receive maternity capital?

There is an argument that a family certificate can be used for each born or adopted child, but this is contrary to legal norms.

Today, the state subsidy can be received two times, for a total amount of 616,617 rubles:

1. upon the birth of the first child, the certificate will be 466,617,
2. at the birth of a second child, parents become additional owners of 150,000.

Maternal capital

Since 2021, MSCs will also be issued upon the birth of the first child. Previously, after receiving the relevant information from the registry office, the decision on the assignment of capital was made within 15 days. From January 2021, this takes only 5 working days. Maternity capital can be spent on various purposes to improve the child’s living conditions, provide him with a good education, etc.

MSC is issued in the form of a certificate. It is prohibited to cash it out or spend it on needs not specified in the law. Punishment for this may be in the form of a fine. In some cases, it comes to criminal liability.

Conditions of receipt

When understanding how many times maternity capital is given, it is important to familiarize yourself with the conditions for receiving it.

It is not necessary to use MSCs immediately after receiving them. This is one of the advantages of such help. You can implement the certificate when the need arises.

Among the conditions for receiving:

1. Citizenship of the Russian Federation. Applies to both children and parents;
2. The baby was born or adopted no earlier than January 2007;
3. This is the first time a certificate has been issued.

Not only the mother, but also the father can apply for an MSC, provided that he remains the only parent. The child himself can also apply for registration if his mother has died and his father is absent or cannot act as an applicant.

The amount of maternity capital in 2021

In 2021, maternity capital was indexed by 3.7%. Now its size is:

• 483,881.83 rubles for the first-born;
• 639,431.83 rubles for the second child. Provided that the first one was born or adopted between 2007 and January 1, 2021. The same amount is allocated for the third child, if maternity capital has not been issued previously;
• 483,881.83 rubles for the second and subsequent children, if the right to maternity capital arose before the end of 2021;
• 155,550 rubles is the amount of additional payment for the second child if the first child was born or was adopted from the beginning of 2021.

What are you allowed to spend on?

The list of needs on which MSC can be spent has been expanded. It can be used to improve living conditions, including not only the purchase of an apartment, room or house, but also renovations and the purchase of a plot of land.

Also, the received certificate can be spent on children’s education, kindergarten, mother’s pension and on a child with a disability. In some regions, it is allowed to use material capital to purchase a car.

Is it given again for the third, fourth child?

At the birth of the first child before January of this year, the certificate funds are given only if there is a second child and will amount to 616,717 rubles. If the first-born was born this year or later, the state subsidy for the next children will be 150,000 rubles.

Previously, the conditions of the program were not extended to the birth of more than two children, but since January of this year, a family in which a third baby was born has the right to reduce the mortgage debt by four hundred and fifty thousand rubles. This amount in an average city can reach from 10 to 35% of the principal debt.

Currently, the program does not take into account payments under the certificate for the birth or adoption of a fourth and subsequent children. However, in the fall, a bill was prepared to reform this program and provide additional payments from the federal budget.

Regional maternity capital

Maternity capital can be federal and regional. The source of the latter is the regional authorities. If MSC has already been issued for the third child, then subsequent children no longer receive similar subsidies. But if federal material capital was issued for the second child, parents can apply for regional material capital at the birth of the third child.

How many times can you get

As in the case of the federal one, such maternity capital is received only once. But it is important to remember the different support programs that operate in different regions. In some localities, a regional MSC can be issued more than once for the third and subsequent children. To do this, certain conditions must be met. In general, the regional MSC is issued once.

What amount is paid for maternity capital?

The social government subsidy program has been operating in Russia for more than 12 years. Its operational period has currently been extended until 2026. Thanks to this program, the state is trying to increase the birth rate in our country , which has fallen to a critical minimum.

After analyzing the data presented in the table, we can come to the conclusion that the state actively supports young families, and the amount of government subsidies is constantly increasing.

Who can receive maternity capital

Mother of the child.
By default, the right to maternity capital accrues to the mother. If the mother is deceased or deprived of parental rights, the certificate will be given to the father or adoptive parent. Here are the basic conditions for a woman:

1. She gave birth to or adopted a second child on January 1, 2007.
2. She gave birth to or adopted a third or subsequent children since 2007, but did not receive a certificate for the previous ones.
3. Mother and child are citizens of the Russian Federation.

Father or adoptive parent. The father cannot simply register maternity capital for himself - this right must be confirmed by documents. The stepfather will not be given maternity capital.

To register maternity capital for someone other than the mother, you need one of these documents:

1. mother's death certificate;
2. a court decision to declare a woman dead;
3. a court decision depriving a woman of parental rights;
4. court decision on a crime against a person.

To do this you will need the following documents:

1. Application for issuance of a certificate. It can be submitted at government services, through the MFC or in person at the pension fund branch.
2. Birth certificates of children or court decision on adoption.
3. Passport and SNILS of the mother or the person who is the applicant.
4. A certificate with a note on the citizenship of the child with whose birth the right to maternity capital became available.
5. A court decision or death certificate of the mother, if the applicant is not her.

If you submit your application in person, all documents will be checked on site. If you send it through government services, you will receive an invitation to check the original documents. They will need to be provided to pension fund employees.

The decision to issue a certificate for mat capital must be made 15 days in advance. The period can be extended to a month only in the event of additional verification and a delay in responding to requests from other departments.

In some regions, families are given regional maternity capital. If a family has such a right, it can use the regional program regardless of the federal one.

The conditions for maternity capital payments are also determined by the regions. This could be support for families who adopt children, a one-time payment only for the third or sixth child. In some regions, money is allowed to be spent on any purpose, in others - on agricultural equipment, and in others, mortgage debt is paid off for large families.

Maternity capital can be issued to one family member, of course, with the aim of using it for the benefit of the whole family. As a rule, maternity capital is available only to people with citizenship of the Russian Federation, but there are certain exceptions:

• Most often, maternity capital is issued to a woman, a citizen of the Russian Federation, who has more than one child;
• At the same time, maternity capital is also available to a man, a citizen of the Russian Federation, if he is the only parent or guardian for two or more children;
• If a mother loses the opportunity to receive maternity capital due to deprivation of parental rights, death or a crime against a child, the father can receive maternity capital instead, regardless of whether he is a citizen of the Russian Federation or not;
• If maternity capital is not available to both parents, it can be received by a child under 18 years of age or up to 23 years of age if he is in full-time education.

And yet the important question remains, how many times a family can claim maternity capital. At the moment, this form of assistance is available to each family only once, at the birth of the second child or one of the subsequent ones.

In this case, the family can divide its only maternity capital and use parts of it as needed. For example, part can be used for retirement, and part for a child’s education.

The state allows you to exercise the right to receive a subsidy once at the time of the birth (birth or adoption) of the second, third and subsequent children after the adoption of the law. It is not necessary to immediately apply for payment, especially if you do not yet know where to spend the money. You can take the certificate later and use it to improve or purchase housing, provide medical care, pay off a mortgage, pay for kindergarten, school, and so on.

The application must be submitted to the pension fund or MFC. You also need an identity document, birth certificates of children, SNILS of one of the parents and children. Do not forget about the requirement for Russian citizenship for the parent and children. Document verification is carried out within fifteen days. Then a positive or negative answer will come.

We suggest you read: How long does it take to register ownership of an apartment?

Where can you spend maternity capital?

• improving your family’s living conditions, for example, financial resources have every chance of being used to repay the debt or part of it under a loan agreement for the purchase or construction of housing;
• children's education . When enrolled in an educational institution, the child must not be older than twenty-five years. An educational organization must be geographically located within Russia and have a license to provide educational services;
• indexation and increase in the funded part of the pension;
• funds can also be used as a monthly benefit if all necessary conditions are met: the second baby was born after 2021, and the average family income does not exceed one and a half times the subsistence level for each family member.
• rehabilitation of disabled children.

Attention! You can withdraw funds several times if the entire amount was not used during the initial application.

Matkapital must be used according to its intended purpose, abuse of funds is prohibited at the federal level, an attempt to deceive the state can lead to severe punishment in the form of imprisonment for up to 10 years and a fine of up to 1 million rubles.

To summarize, the following should be noted: maternal capital is an excellent assistant in the relationship between society and the state; thanks to this program, the birth rate, welfare and development of the state increase.

It is in this way that young parents currently have excellent financial opportunities to give birth and raise several children at once. These financial resources, of course, can only be used for certain purposes. The advantage is that in the process of using the certificate, you can not only take out a new loan, but also repay a previously issued one.

Is it possible to receive maternity capital a second time for a third child?

After the changes in the program take effect, maternity capital will be formalized as follows:

1. After the birth or adoption of the first child, the family will have the right to maternal capital in the amount of 466,617 rubles (amount in 2021).
2. If parents have a second child, they will be able to apply for an additional 150 thousand rubles.
3. If the family already has a first-born child, then upon the birth or adoption of a second child, starting from January 1, 2021, the family will have the right to 616,617 rubles (in 2020).

It will be possible to apply for federal maternity capital for a third child only if the right to maternity capital for the second child has not been exercised earlier .

When the right to receive maternity capital for a third child arises, it does not matter:

• the date of birth of the second child, he may be born (adopted) before the start of the program;
• the fact of death of the first or second child;
• deprivation of parents' rights to one of their previous children.

In addition to federal maternity capital, a number of constituent entities of the Russian Federation provide for regional MSC, which is most often provided when a third (subsequent) child appears in the family.

Some subjects of the Russian Federation put forward additional requirements , for example:

1. In the Kamchatka Territory, persons who have lived in the territory of the subject for at least 3 years have the right to local maternity capital.
2. In the Rostov region, only low-income families living in the region can apply for a regional MSK.
3. Local maternity capital in the Chelyabinsk region can be received by families whose average per capita income does not exceed the subsistence level of the region.

In some regions, the right to a regional MSC appears after the birth (adoption) of the fourth or fifth child .

How much money can you withdraw from maternity capital in 2021

Now a family that decides to have or adopt a second child will receive 616,617 rubles . This amount is available if they did not receive capital for their first child.

Also, in many regions of the country, regional payments have appeared, which can be received on an equal basis with federal ones.

After the birth of your third child, you can count on additional assistance from the state for families with a mortgage. Thus, the state will allocate 450,000 rubles to cover part or the balance of the family’s mortgage. If the balance of the debt is less than this amount, then the state will completely cover the remaining debt, but the difference will not be given out, it will be burned.

Next, we will look at the most common questions and provide answers to them.

The right to maternity capital arises if the first and second children are citizens of the Russian Federation. In addition, the mother or father must also have Russian citizenship in order to receive this measure of state support.

If any of the children has the citizenship of another country, then the right to a maternal certificate does not arise. It may arise if the second, third, or subsequent children were born or adopted on the territory of the Russian Federation and became its citizens.

Without citizenship, maternity capital is not issued. You can only purchase real estate in the Russian Federation; capital does not apply to the purchase of real estate in other countries.

No. Maternity capital is at the same level; its size is specified in the certificate, accurate to the penny. Only the level of capital is indexed - if this year it is one amount, then next year for future recipients it will be slightly higher, taking into account the level of inflation.

Moreover, experts advise not to hold capital for a long time. This is due to the fact that every year the purchasing power of the amount in the recipient’s account decreases. If you could buy a certain apartment for 450 thousand rubles last year, this year these funds may not be enough. The cost of apartments or building materials regularly increases, and capital funds are frozen at the same level.

In accordance with new support measures, after January 1, 2020, parents of a third child can receive a certificate for 450 thousand rubles, but only to repay part of the mortgage.

This certificate cannot be spent on other purposes, nor can it be put aside for children’s education or the mother’s pension. The only way to spend it is on a mortgage.

One. The right to receive maternity capital funds arises for a family once per child.

Now the program has been expanded. A family can receive maternity capital for their first child born after 01/01/2020. She can then receive an additional measure of support for a second child. And then - receive a certificate to pay off part of the mortgage for the third child.

Yes. Most often, the mother receives the capital, but this does not mean that the father cannot collect all the same documents and not submit them to register the capital in his name. It is important that the package of documents will contain a statement from his wife that she is not against such registration.

The father can spend the capital in the same place as the mother - on construction, buying an apartment with a mortgage and other areas. This is family capital, which is aimed at improving the conditions of children. He will not be able to spend it on personal needs or buy an apartment for himself - there must be shares in it for the children and spouse.

The main innovations in maternity capital in 2021

— Extension of the maternity capital program until the end of 2026.

— Payment of 466,617 rubles at the birth of the first child after January 1, 2021, as well as an additional 150 thousand at the birth of the second child.

— Payment of 616,617 rubles at the birth of the second and subsequent children.

— The right to monthly payments for the second child until he reaches three years of age.

— A family that has given birth to a third child is given the opportunity to write off part of the mortgage debt (up to 450 thousand rubles).

How to cash out maternity capital?

Maternal family capital (hereinafter referred to as MFC) is a special type of financial support for families with children. But not every parent can receive financial assistance, because the legislator has provided a list of requirements for applicants for subsidies.

Math program capital has been operating in Russia for more than 10 years – since 2021. Its action is regulated by Federal Law No. 256-FZ of December 29, 2021 “On additional. measures of state support for families with children.” At the end of 2021, the duration of the maternity capital program is determined until 2021.

The maternity capital program issued for the second child has been a powerful tool for stimulating the birth rate in the country for 2 decades. In addition, due to the relative significance of its size (compared to the same amount of monthly income of the average Russian) and the ongoing indexations, this capital is one of the most significant factors in the growth of the well-being of young families.

• A certificate for 466,617 rubles will be issued for the birth of first children.
• For the second child they will “pay” 616,617 rubles.
• For the third - 450 thousand rubles, and this can only be a repayable mortgage loan.
• The program is being extended at the legislative level at least until 2025.

In 2021, receive 25 thousand rubles. It is not possible at a time and cashing out MK is prohibited. But it is possible to qualify for a larger amount of payments if you declare to the Pension Fund that monthly payments are transferred to the family’s account.

The legislation of the Russian Federation allows families with children who have a maternity capital certificate to receive a monthly payment. Funds are accrued until the child reaches 3 years of age, which makes it possible to use the money immediately after the birth of the newborn. Payments to families are prescribed by the Pension Fund (PF) subject to the conditions specified by law.

Amount of maternity capital

The law providing this financial assistance was adopted back in 2007. Since then, to determine its size next year, taking into account the effects of inflation, the issue has been considered until September 1 of the previous year. Then it is announced what the value of these payments will be during the coming year. The very first time the amount was 250 thousand rubles.

No matter how much property you have, the amount is not tied to the social status and financial situation of the family, it is the same for everyone. The quantity also remains unchanged: maternity capital is provided only to those who have not received it before. If in 2007 the payment was 250,000 rubles, then by 2015 it became 453,026 rubles.

After 2021, indexation was not carried out, since the state budget is not yet ready to pay more money. The next change in the size of the MK is planned for 2021.

In 2021, the amount of maternity capital is 453,026 rubles. Previously, this amount was indexed, but indexation was frozen until 2021. So far it doesn't change every year.

If the amount of state support subsequently increases, it is determined not for the year when the certificate was issued, but for the year when they applied for the use of money.

What can you spend maternity capital on in 2021?

— To improve housing conditions, including paying off the mortgage.

— To pay for tuition in educational institutions, including preschools. (Innovation for 2021 - the opportunity to pay for preschool education of children, regardless of the age of the child, thanks to whom the family received maternity capital).

— To pay for child care services.

— To increase the mother’s funded pension.

— To compensate for some expenses for disabled children.

— For monthly payments for the second child until he reaches three years of age, if he was born starting on January 1, 2021, and the family income does not exceed two regional subsistence minimums for working citizens. The amount of the payment is equal to the regional subsistence minimum per child (novation for 2021).