Maternity capital in a year size and recent changes. New law on maternity capital

Maternity capital is the financial support that the state offers to families in which they grow up with two children. Social assistance is issued as a certificate, the rules for the spending of which are strictly regulated by law. Over the 10 years since the start of the program, more than seven million families have received this type of material assistance, and the size maternity capital meanwhile, it has almost doubled. However, the maternity capital of 2017, the amount of payment of which has not increased by this year, will not please the population with the grown numbers - it also remains equal to 453,026 rubles. On the other hand, the fact that the program is still in effect makes us close our eyes to the absence of annual indexing benefits.

Let's refresh the information on the terms of the program, the possibility of using certificate funds and the nuances and changes in recent years of the maternity capital.

Who can get maternity capital

The conditions of the program allow those residents of the country who have two or more children in their family to receive maternity capital. Most often, the certificate is issued for the mother of the child, however, as an exception, the allowance can be issued for one of the adoptive parents, for the father in the event of his widowhood or the deprivation of the mother of the children of maternal rights, or directly for the child in the event of the death of the parents or the deprivation of their parental rights. However, the state's priority remains the mother of the child.

Wherein:

the child and official parents cannot be citizens of another country other than the Russian Federation
the certificate is issued to parents of children who were born or were adopted after January 1, 2007.
the certificate is not reissued

That is, if the family was provided financial aid after the birth or adoption of a second baby, it is no longer possible to apply for another certificate when the next child appears. But when the family has more than two children, but after the appearance of the second, the family did not receive capital, it has the right to this type of social assistance. In summary, a family with two or more children, regardless of their further number, receives a certificate once.

How can you use maternity capital

2007-2016 only the size of maternity capital was subject to changes. The procedure for its provision remained the same, as well as the inability to get the entire accrued amount of benefits in hand. According to the conditions anti-crisis program only small one-time payments can be received. And the means of the certificate must be spent for the purposes permitted by the state.

With the money of maternity capital, you can:

Improve the family's living conditions (including building a house, buying out shares, mortgage programs, buying a room or apartment)

Previously, the certificate could be used to repay housing loans only after the moment when the second child was at least three years old. The limitation on this issue has not been in effect since 2015, and the obtained certificate can be used earlier than this moment, even to pay off the installment on a previously taken mortgage. In other cases, in order to use the certificate, you need to wait until three years have passed (from the moment a new baby appears in the family).

Since 2011, if the recipients plan to build or reconstruct the house on their own, for these purposes, the corresponding funds can be received on the personal account. Payment by certificate applies to coverage full cost housing, be it an apartment, a dorm room or part of a house. However, the main condition is unshakable: housing, on which social assistance funds will be spent, must be located in Russia.

Pay for children's education (including payment for kindergartens, general education, as well as music and art schools, colleges and higher education for any of the children in the family)

Capital can be used to pay for the education of both the younger family member and his older brother or sister. Payment concerns everyone educational institutions, starting with a kindergarten and ending with higher educational institutions (including living in a hostel), but not earlier than the age of three years for a child who brought maternity capital to the family.

To shape the mother pension savings(including both the funded and the term part of pension savings)
For adaptation in society of children with disabilities

Since 2016, using the means of the certificate, it is allowed to carry out technical rehabilitation of children with disabilities. There is a special list, which indicates the purchase of what goods and services for such a child, you can use the means of the certificate.

Maternity capital 2017 - the amount of the allowance

The size of maternity capital back in 2007 was initially 250 thousand rubles. This amount was indexed annually and by January 2015 gradually reached 453 thousand 26 rubles, that is, increased by 80%. But since that time, under the influence of the complicated situation in economic sphere Russian Federation, indexing for the program was temporarily stopped. In 2017, it was officially decided not to increase the amount of maternity capital. In addition, according to the government draft law, it is not planned to initiate these changes until 2020.

In view of these circumstances, for families that this year will issue maternity capital 2017, the amount of social assistance will be the same 453,026 rubles.

Indexation of maternity capital

Families that have planned replenishment in the next couple of years and counted on assistance in the form of maternity capital can only hope that in case of stabilization of the economy in the Russian Federation, the government will adopt a law on additional indexation under the program. This, by the way, already happened in 2008.

Potential indexing has both positive and negative side... The family that received the certificate is not obliged to immediately use its funds, and has the right to wait for an increase in the amount of social assistance. That is, you can count not on the amount that was approved in the budget at the time of receiving the certificate, but on the amount fixed by law in January current year... In this case, the originally issued certificate is used.

But, unfortunately, the impact of inflation is such that, in anticipation of indexation, the amount of maternity capital can significantly depreciate, and the owner will not have time to use it for the needs of the family.

Lump-sum payment on maternity capital

Legislative restrictions on the ability to use the funds of this capital and the procedure for obtaining it is not easy. On this basis, certificate holders are in no hurry to use these funds.

The Pension Fund reports that in 2016, Russian families became owners of 7.3 million such certificates. At the same time, slightly more than half used it in the established directions - 4.2 million. Mainly, they spend financial assistance in order to build or purchase housing - 3.9 million certificates were used for these purposes.

At the same time, many Russians are interested in receiving a lump sum payment. This payment is part of the maternity capital funds, and you can apply for it under the government program. Over the past 6 years, the possibility of receiving payments has been realized:

12 thousand in 2009
12 thousand in 2010
20 thousand in 2015
25 thousand in 2016

In view of the fact that such payments have been made in recent years, and an increase in this type of social assistance for 2017 is not provided, it can be assumed that this year, applications for a lump sum will be satisfied.

According to the law, if the family was charged a lump sum, and after that indexation was made on the issue of maternity capital, the funds remaining on the certificate are still subject to recalculation.

This also applies to cases where part of the amount was used in one of the main directions - the remainder will be subject to indexation until the moment when the recipient has not spent all the funds due to him.

Data on the balance of the certificate is readily available on the official website of the Pension Fund. Since the spring of 2016 in " Personal account Citizen ”this service is included. It is possible to review and draw up the corresponding certificate in the form electronic document... There you can also remotely submit an application for registration of maternity capital and an application for the need to use its funds in the main areas.

Duration of the program "Maternity capital"

Initially, the program was approved by law for 10 years. But due to the fact that over the years she was in great demand and her funds provided significant material support to many families in need of her, it was decided to extend the "Maternity Capital" program. In 2015, it was officially extended until December 31, 2018. At the same time, all the basic conditions for obtaining and using the certificate have been preserved, including the amendments made over 10 years.

In view of the fact that the government is discussing the indexation of the program after 2018, it can be hoped that its action will not be stopped.

Maternity capital 2017: what you can count on

The good news for families in which replenishment is planned is that the "Maternity Capital" program has not been terminated in difficult economic conditions. But not the most pleasant news for future and current program applicants - the amount of maternity capital during recent years did not increase, and there are no prerequisites for changes. The "freeze" of the indexation of these funds means that in the coming years it will be possible to count on the use of only a fixed amount, and it will not increase every year, as it was before. At the same time, the expenses of each family in the country continue to increase.

On this moment maternity capital 2017, the size of which, as stated above, is still 453 thousand 26 rubles, can significantly help many families to change their lives for the better. Even within the narrow limits of potential ways of spending funds from the received certificate, there will definitely not be extra money in the amount of a little less than half a million rubles. It will be possible to use the certificate even after the program is stopped, since the restrictions apply only to the time of receiving the capital, and the time frame in which the family must spend the funds received is not regulated in any way.

Among young Russian families, the most discussed and relevant topic is maternity capital in 2017 and new adjustments made to legislative framework for this program.

The Russian government is taking measures to improve the material status of citizens. With the advent of children in the family, not only joy comes, but also additional expenses on the implementation of the life of the child and the family as a whole. The maternity capital program is primarily aimed at supporting mothers and childhood.

After reading this article, you will learn about the latest innovations in maternity capital legislation in 2017, its intended use, size, timing and procedure for registration.

Article menu

Who does the maternity capital apply to?

According to Federal Law No. 256-FZ, maternity certificate applies to citizens of the Russian Federation and is aimed at supporting families in which a second / subsequent child has appeared. Mothers and legal adoptive parents of the child have the right to receive payment under the maternal certificate if the certificate was not previously received or payment for it was not made, as well as minor children and students studying at full-time under 23 years of age, in cases of deprivation of the rights of their parents to receive payments.

The amount of maternity capital for the first, second and third child

Maternity capital in 2017 for the first child

In 2012, a proposal was sent to the State Duma to revise the law and extend the subsidy to the first child in the family. Many mothers of only children claimed to be eligible to participate in the program. However, the authorities rendered a negative decision, citing the following arguments:

The federal program was originally created to boost the country's demographics. As a consequence, if families with one child are eligible to participate in the program, most parents will be limited to one child, which will lead to a demographic decline in the country. Thus, it is necessary to motivate fertility with the second and subsequent baby in the family.
Another goal of the bill was to raise the status of the mother and make up for lost time and money. As a rule, a woman on maternity leave loses her professional skills and is devalued in the eyes of many employers as a specialist, which affects her future career and affects the negative mood of the mother to become pregnant a second or third time. Government program aims to convince a woman of this and compensate for possible financial losses.
The most weighty justification for why the revision of the law was denied is the lack of a budget to provide each mother with such amounts.

The likelihood that the bill will be revised again is zero. Moreover, in Russia there are already certain payments for the birth of the first child - these are maternity allowance and allowance for the care of underage children.

Maternity capital in 2017 for the second child

10 years have passed since the launch of the project for the issuance of a certificate for the parents of the second child, as a result, most families ask themselves: to what year have the maternity capital been extended?

The President extended the program until 2018. However, the amount for the certificate in 2017 for the second child will remain unchanged and amount to 453 thousand 26 rubles.

Maternity capital in 2017 for the third child

In 2014, the Belgorod Regional Duma submitted for consideration a draft that said to increase the subsidy for the third child to 1,500,000 rubles.

In 2015, the MPs' proposal was rejected.

In 2017, Vladimir Putin extended the maternity program and left it on the same terms.

Thus, it will be possible to issue a certificate for the third child if it was not issued earlier.

Registration of maternity capital

Citizens who have become parents since the beginning of 2007 are eligible to apply for a certificate if the child is less than 23 years old.

The family certificate and its payment are made once and are not transferable. In the event of the death of the child, the document ends. If the certificate is lost, it can be replaced with a duplicate.

Where to apply for registration

To receive a subsidy, you can apply to Pension Fund in three ways:

Apply personally
Send an application by mail
Through the portal of public services

Consideration of the application will take no more than a month.

Documents for registration of maternity capital

To obtain a certificate, you must provide the following documents:

Application for the issue of state. family capital certificate. In this document, the applicant must indicate:

Status (father or mother)
Passport data
Belonging to citizenship
(SNILS)
Address
Information about children

List of documents for father / adoptive parent

In the event of the death of the mother or the loss of her parental rights, the right to receive the family certificate passes to the father or adoptive parent. In addition to the main list of documents, the following papers are required:

Certificate and judgment about the death and recognition of the mother as deceased
The decision of the authorities on the commission of a crime against the child / on the deprivation of rights

Registration procedure

The registration procedure includes three stages:

Registration of the application
Consideration of applicant's documents (1 month)
adjudication

Deadline for registration, receipt, action

For consideration of the applicant's documents, 1 month and 10 days are given for the transfer of funds. Previously, one month was allotted for the payment of the subsidy, from the moment of a positive decision to the issuance of a certificate. Thus, the entire registration process takes no more than 1 month and 10 days.

The disposal of the certificate is not limited by time. However, to participate in the state. program and eligibility for subsidy payments, the child in the family must be born before the end of 2018.

The legislative framework

The basic conditions for obtaining and disposing of the Maternity Certificate are spelled out in the main Federal Law No. 256-FZ, which was gradually amended and changed. For example, since 2007, the funds from the certificate could be used to educate the child, improve housing conditions, and also to accumulate the mother's pension. Later it became allowed to send funds to the mortgage account, then it became possible to transfer mat. capital to the owner's account, and since 2016 it has become possible to spend capital on the treatment of disabled children.

In 2009 and 2010, a lump sum payment of 12 thousand rubles was allowed and 20 thousand rubles in 2015-2016.

Since the beginning of the state program, discussions about what amendments need to be made have not stopped until today.

It was repeatedly asked to authorize the purchase vehicle due to the certificate. Also, questions were opened about the storage of funds in the bank in order to receive interest.

However, in 2017, according to the law, maternity capital in 2017 can be spent on the following actions:

Acquisition, reconstruction, construction of housing, incl. to participate in shared construction.
Payment for kindergarten, music school, university, college, incl. it is allowed to pay for a room in the hostel of the university / technical school.
Transfer to the Pension Fund of the Russian Federation, in this case, interest will be charged on the transferred amount of funds.
Adaptation of disabled children.

By law, maternity capital can only be used 3 years after the birth of a child. An exception is the repayment of debt on liabilities / loans for the purchase of housing.

Mat. capital is allowed to be divided for specific purposes. For example, a share of the funds can be spent on training, and part on the repayment of a mortgage loan.

FAQ

Is it possible to return the certificate funds that were sent to the Pension Fund for the funded part of the pension?

Yes, you can. If capital funds were sent to form a pension and there was a need to use them for other needs, in this case, it is necessary to write a statement refusing to dispose of capital and send it to the Pension Fund of the Russian Federation, but no later than the onset of retirement age.

How to send maternity capital to retirement?

To transfer funds to the accumulation of the mother's pension, the copyright holder of the document is required to write a corresponding statement of consent in the Pension Fund of the Russian Federation. This can be done 3 years after the birth of the child in the family.

Is it possible to pay with capital for the education of the first child?

It is possible. The law allows you to spend capital on the education of any child in the family. However, this can be done no earlier than the child in whose name the certificate is issued turns 3 years old.

If my husband has a son from his first marriage who lives in our family, am I entitled to payment if I give birth to a second?

No, It is Immpossible. In view of the fact that the son of your husband is your stepson, this means that you are not entitled to MK. In your case, you need to give birth to another common child in order to receive support from the state.

How to get maternity capital if we live in another country, while we and our children have Russian citizenship. Can we apply for a maternity certificate?

Yes, you are legally entitled to this benefit and it does not matter where you live. However, your child must have the status of a citizen of the Russian Federation. Thus, in view of the fact that your children are citizens of the Russian Federation, you have the absolute right to receive a certificate.

If an application has already been submitted by order of the MC, is it possible to change the purpose of the funds?

Yes, according to the law, you have the right to change the decision on the direction of MK funds. To do this, you need to contact the branch of the PF RF with a statement. However, it is necessary to have time to do this no later than the decision on the first application will be made.

Is it possible to buy a car with maternity capital?

The authors of the bill introduced some restrictions on the possibility of using the Maternity Capital 2017 for the purchase of a vehicle. Not every family can exercise this right. Primarily, only large families, or families raising a disabled child, as well as adoptive parents can count on a car. In this case, the purchase of a car is considered appropriate.

It should be borne in mind that the law is allowed to spend Maternity capital 2017 exclusively on a car of a domestic manufacturer. The vehicle cannot be sold during the first 3 years after purchase. In the case of buying a car on credit, the program allows large families to repay the loan / loan at the expense of the mother's certificate.

Whether the State Duma will support the bill is still in question. However, experts predict the development of this direction, in view of the fact that the opportunity to use maternity capital for a car, in the future, may support the domestic auto industry. Moreover, this innovation will not affect the budget. According to surveys conducted, the possibility of buying a vehicle at the expense of MK money is promising for most families.

How to cash out maternity capital

To date, there has appeared a large number of firms engaged in the "cashing" of family certificates, incl. on the Internet. It should be borne in mind that actions aimed at attempting to “cash out” the maternity capital 2017 threaten with criminal liability. Such companies are under stricter control of the authorities.

However, in 2015 and 2016, there was a legal procedure for receiving funds in cash from MK. In 2015, it was possible to cash out 20 tr, in 2016 - 25,000 rubles.

10 years later, since the start of the family support program, the question of the possibility of withdrawing cash from the maternal certificate is still taking place.

According to the law, money from maternity capital is transferred only through a non-cash transaction by the Pension Fund of the Russian Federation, at the request of the copyright holder of the certificate.

A person holding a family certificate, agreeing to participate in any “cashing out” procedures, goes against the legislation of the Russian Federation and can be recognized by a court decision as an accomplice of a crime aimed at misusing budget funds.

Improving housing conditions through maternity capital

Acting the federal law in 2017, it allows the use of a certificate for improving housing conditions for several targeted uses at once, depending on the family's need for an increase in the area of housing or reconstruction of existing real estate. Each of these areas is distinguished by the peculiarities of implementation, terms, conditions, etc.

In 2017, under the family support program, there are two ways to improve living conditions:

Increase the available area (reconstruction of an emergency condition). Repair, including overhaul, is not paid, since repairs do not imply expansion by at least one accounting rate living space.
Purchase a new residential property. This method gives the right to choose to the owners of the certificate and suggests several options for buying a home:

Payment of the entrance fee for housing savings cooperatives. This method is defined as more economical in terms of the volume of payments than a mortgage, but this is not always feasible due to the lack of proposals for this type of construction.
Payment for participation in shared construction.
Payment of a mortgage transaction. The certificate can be used to pay the initial installment or the balance of the debt on a bank loan.
Buying a home under a sale and purchase agreement.

Conditions for obtaining maternity capital 2017 for improving housing conditions

There is a list of conditions for the targeted use of state support, which are supported by the legislation of the Russian Federation and are not subject to challenge in court:

Lump sum payment from maternity capital in 2017. State support in the form of a financial payment can be spent only for one purpose specified in the application to the Pension Fund of the Russian Federation. In case of violations, the transfer of funds will be blocked or the certificate holder is obliged to return them (if there was a fact of fraud)
Many unscrupulous residents of the country are fraudulently trying to simultaneously get money from the budget and register another apartment in their own name (buying apartments from close relatives, etc.). In both cases, these actions entail criminal punishment.
The repayment of the loan / mortgage by the maternity capital is possible after the child turns 3 years old and until he reaches 23 years old. The maternity capital does not repay fines and sanctions for any type of loan.

Indexation of maternity capital 2017

The family certificate is intended primarily to support motherhood and is aimed at improving the standard of living in large families. Due to the fact that inflation is growing, the income of citizens is decreasing, as a result, the standard of living in the family is deteriorating. In order to prevent the depreciation of money, the government of the Russian Federation provided for its indexation. Subsidies are indexed automatically, so citizens do not need to take any formal action in relation to indexing coefficients.

Below is the statistics of the growth of the coefficients from 2008 to 2016:

2008: the coefficient increased by 10.5%, the payment amount was 276,250 rubles.
09 year: K- 13%, amount - 312,162 rubles.
10 year: K 10%, - 343,378 rubles.
11 year: K 6.5%, - 365 698 rubles.
12th year: 6%, - RUB 387,640
13th year: 5.5%, - RUB 408,960
14 years: 5%, - RUB 429 408
15th year: 5.5%, - 453,026 rubles.
In 16 and 17 years, the indexing stopped. The amount remains the same.

How the amount of capital received is indexed

Upon receipt of the certificate, an amount corresponding to the amount of the payment for a certain year is put on the document. The date of issue of the document does not affect indexing. However, if the certificate is in 2011, when the amount of capital was 365,698 rubles, and the parents decided to use it only in 2015, when the amount of MK was 453,026 rubles, then this amount will be directly payable.

How to use maternity capital up to 3 years

MK is a program of social support for mothers and families. It is possible to receive the document immediately after the appearance of the child in the family.

According to the law, the holder of the certificate has the right to use the money for its intended purpose after the birth / adoption of a child, after 3 years. To receive a payment, you need to write an application and submit the necessary documents to the local authority of the FIU.

If 3 years have not passed since the receipt of the certificate, the state allows the money to be sent for the intended purpose associated with the repayment mortgage loans and housing loans.

Maternity capital and home construction

Consider the issues of using maternity capital funds to build a house.

You cannot use a subsidy for the purchase of a land plot. In this case, the Pension Fund, according to the law, must refuse this.

An exception is the purchase of land at the same time as the house present on it, which meets the conditions for living in it. Then the state will transfer the amount to buy a house, and the land will remain an addition to it.

Citizens holding a family certificate should apply to the Pension Fund to receive maternity benefits.

After consideration, the PF RF will transfer half of the capital amount, if there is a certificate for MK, passport of the certificate holder, spouse's passport, marriage certificate or divorce, in the presence of title papers for land plot, documents confirming ownership, as well as when granting a building permit and account details, where to transfer money.

After six months, the owner of the certificate can receive the remainder if there is a lease agreement, a certificate of registration of rights and other papers confirming the right to own a plot of land.

Is it possible to buy a summer cottage or garden plot for construction with maternity capital

In order to receive a subsidy from the state, the Pension Fund will request a document giving the right to build a residential building.

According to the law, it is prohibited to use the following land plots for building a house:

Dacha non-profit partnership - land for growing agricultural crops and building a dacha house.
Garden non-profit partnership is intended for the construction of outbuildings and a garden house or the cultivation of agricultural crops.

Building permits are not issued for these types of land.

Thus, it is impossible to buy a plot of the DNP or SNT with the funds of the family capital.

It is allowed to build a house on plots with the following types use:

Individual housing construction - intended for the construction of a residential building.
Personal subsidiary farm - intended for agriculture, and the construction of a residential building.

Mortgage under maternity capital

It is not prohibited by law to pay mortgage loans with certificate money. Moreover, it is possible to get a loan even before the birth of the second child in the family. In this case, the spouse can act as a co-borrower or guarantor for the loan.

It is strictly forbidden to repay fines, commissions, penalties and other sanctions on loans.

Most of the existing banking programs provide an opportunity for their clients to receive target loan using the means of the certificate. At the same time, it is possible to pay off both interest and the principal debt or make a first installment.

Repayment of the mortgage by the parent capital

If a home loan in the family has already been issued, before the appearance of the second (third) child, the parents have the opportunity to use part of the maternity allowance money for early repayment of the existing loan.

If ready-made housing is purchased, the borrower must register the apartment in ownership. At the same time, Roseestr puts a note on the certificate of ownership that the apartment is pledged. You need to take a certificate of debt from the bank.

After paying off the full loan amount and signing required documents with the bank, the apartment will be removed from the encumbrance, after which the owner of the property will be able to register it as the property of other family members.

Down payment on a mortgage at the expense of the capital mat

Previously, it was permissible to use MK for the first installment on a mortgage only after the onset of the third anniversary of the birth / adoption of a child. Then it was allowed to transfer money in the first installment on mortgage transactions before the onset of 3 years.

Documents for obtaining a mortgage

Documents for applying for a loan, which are provided to the bank:

bank questionnaire;
borrower's passport and copies of all its pages;
copy of TIN;
copy of SNILS;
marriage / divorce certificates;
birth document of children;
a copy of the military ID for men;
copy of the work book;
certificate of income;
copies of current loan agreements;
bank account statements.

Each bank has individual requirements for borrowers, so this list can be supplemented with other documents.

How maternity capital is divided in case of divorce

According to the laws of the family code, joint property and cash payments, except for payments of state benefits, are subject to the division of property between spouses.

Maternity capital is considered government allowance and is not subject to division during divorce. In case of divorce, the maternal certificate remains with the person in whose name it was originally issued. The document can be issued both in the name of the mother and in the name of the father in certain cases.

Maternity benefits do not end or change upon divorce. Even if the family marriage is terminated, the certificate holder continues to have the basis to use the maternity capital.

In the case when housing was bought with maternity allowance, after the divorce, the mother and the child will be its owners.

In some situations, a woman may lose the right to a maternity certificate, and the father of children, on the contrary, may acquire such a basis. For example:

a woman acted against the law in relation to her child;
the mother is dead;
the woman was deprived of parental rights.

The size of maternity capital 2017-2018years are interested in many couples with children. Was the size of the maternity capital increased in 2017 and what will become of it in 2018, as it happened earlier, is the extension of the program expected - we will tell you about this and much more in this article.

The amount of maternity capital in 2017-2018

Since 2007, a maternity capital program has been operating on the territory of the Russian Federation, designed to provide additional support to families with children. Its duration was initially 10 years, that is, from the beginning of 2007 to the end of 2016, but subsequently the program was extended until 12/31/2018.

We are talking about the provision of a one-time state subsidy, which is designed to ensure that families with children improve their financial situation. By 2016, more than 5 million families had already taken advantage of this program, in which 2 (and subsequent) children were born or adopted since the beginning of 2007. The family can use the funds provided by the program only after the baby turns 3 years old. It is allowed to spend them only for certain purposes, namely:

for the education of children;
pension provision for the mother (adoptive parent);
improvement of housing conditions: including the family has the right to repay with the help of MK mortgage, use it as down payment for a mortgage, as well as the purchase (construction) of an apartment or house;
purchase of goods and payment for services intended for the social adaptation of disabled children.

Moreover, in most cases, the opportunity to use the family capital arises immediately after the birth (adoption) of the second (subsequent) child. For example, you can spend MK to pay off a home loan or to pay a down payment, etc. In addition, this government support is not subject to personal income tax.

Indexation of maternity capital in 2017-2018

The amount of maternity capital, according to the program, is subject to annual indexation in accordance with the level of price growth and inflation, and at first the indexation was carried out regularly.

So, initially the size of maternity capital was 250,000 rubles, in 2014 as a result of indexation the amount reached 429,408 rubles, and in 2015 it again increased to 453,026 rubles. The relatively low indexation coefficient is due to objective reasons, primarily the economic downturn. In particular, during 2015-2016, there is a long-term decline in the federal budget revenues, which led, among other things, to a decrease in the purchasing power of maternity capital.

Since 2016, the indexation of maternity capital has been suspended and will not be carried out until 2020.

How much is maternity capital now?

Compared with previous year the size of maternity capital has not increased. That is, the maternity capital in 2017-2018 is 453,026 rubles.

By the way, over the entire period of this program, the size of the family capital has grown by more than 200,000 rubles.

Certificate for maternity capital 2017-2018

To obtain a certificate for maternity capital, families in which the second (subsequent) child was born, or those who adopted him, must go to the Pension Fund of Russia (for more details see:). Presently it comes about the possibility of obtaining a mother capital before 12/31/2018, but this does not mean at all that in 2019 the certificate will expire. This is not so: the threshold is set only for the period associated with the birth (adoption) of the second and subsequent children, who will be eligible for the certificate and its use.

The current legislation of the Russian Federation does not indicate the presence of any time restrictions, so in order to obtain a certificate, it is necessary to collect and transfer the corresponding package of documents to the FIU at the place of residence, and this can be done until the child (born or adopted in the previously agreed period) is 23 years old ... Along with the documents, an application is submitted, for consideration of which a month is allotted.

Maternity capital news 2017-2018

Many are concerned about the question of whether the duration of the maternity capital program will continue to be extended? So far, it is proposed to extend it until 2026, but the final decision has not yet been made. There are different opinions on this matter; this initiative has both supporters and opponents. The former refer to a significant improvement in the demographic situation in the country over the past 10 years, while the latter call for austerity regime in the difficult economic situation that has developed in Russia today.

There is also a third party that offers a compromise option, which consists in a proposal to limit the number of recipients of such state support, leaving only those families whose incomes do not reach the average level. At present, no compromise has been reached on this issue.

Throughout its existence, the maternity capital program has undergone many changes. Among the most significant, it should be noted the expansion of the use of funds: from 01/01/2016 matkapital can be used to purchase goods and pay for services intended for the social adaptation of disabled children.

In terms of a fundamental increase in the size of maternity capital, no changes are expected. At the end of 2015, a bill was proposed for consideration, the essence of which was to increase the size of maternity capital in 2015-2016 and subsequent years to 1.5 million rubles. for families who have given birth or adopted a third child. However, the initiative was not approved. By the way, in September 2014, the Ministry of Economic Development raised the issue of optimizing budget expenditures for 2015, 2016 and 2017, and a proposal was made to terminate the maternity capital program. In this case, the savings for the year could be up to RUB 300 billion. But this proposal did not find support in the government, as a result, these funds were included in the budget in full.

The state project for the issuance of maternity capital is 10 years old since its inception. These funds are issued as financial state support to families, which are either born / or adopted a second baby and all subsequent ones.

FZ-256 "On additional measures of state support for families with children" appeared on December 29, 2006. The law on maternity capital regulates the receipt of material financing by large families, which should improve their living conditions.

This bill contains 13 articles:

RF legislation on additional measures of state material assistance to large families;
concepts used in the Federal Law;
the right to receive material assistance;
a list of persons who can receive state support;
state certificate-document for obtaining maternity capital in the hands and its issuance;
the amount of material financing;
how family capital can be used;
the procedure for considering an application for use;
translation Money to the budget of the Pension Fund of the Russian Federation;
the use of mat of assistance to improve living conditions, to get an education, to buy goods for disabled children, for a funded pension;
final provisions.

Amendments to the law on maternity capital were introduced more than 12 times. The latter entered into force on January 1, 2017.

Capital mat indexation

Indexing sums of money carried out due to increased inflation. After all, this phenomenon will lead to the devaluation of maternity capital. The amount of payments from the emergence of the current Federal Law was indexed every year. However, in 2017 there will be no indexing. The Russian government announced the so-called "freeze" of finances until 2020. This decision is due to the fact that there is an economic downturn in the country. The payment at the moment is 453 thousand rubles.

Is maternity capital relying on the first child?

Material assistance is paid by the state to families for the birth of a second, third, etc. child. It is also about the adoption of children. Several years later, after the law on maternity capital appeared, the government was asked to consider the idea of paying material assistance to families where only the first-born appeared. The proposal arose out of the discontent of parents with one child, who believed that their rights were violated by this bill. The idea of making payments for the first child in the Russian Federation was rejected and such changes are not expected in the near future. There are several reasons why the proposal was not accepted:

the main goal of maternity capital is to improve demographic situation in the country and the urge to have children. If payments are made for the first child, this will lead to demographic stagnation, since each family will be content with one child and the goal will not be achieved;
another goal is to improve the social status of the mother. Departure on maternity leave creates tensions with the authorities and she no longer plans to re-birth the child. Maternity capital is designed to convince a woman and act as compensation;
lack of the state budget. The amount of payments is significant and the state does not have enough funds to provide for every family where at least one child was born.

If maternity capital is not required for such families, then for the birth of the first child other types of payments are provided:

maternity allowance;
child care payments.

The amount of payments for the second and third child

The payment of maternity capital is made only once in a lifetime. Parents can choose when to use one-time state support for the birth of a child. Required condition- the child must be born after January 1, 2007. The size of the maternity capital in 2017 will be 453 thousand rubles. This was the first time indexing was performed. However, it is already planned to be produced for the coming years. An increase in the amount for the birth of twins or triplets is not expected.

Important to remember:you can use maternity capital when the child turns 3 years old.

How to get the government support and what documents will be required, we will consider further. In addition, we recommend that you consider information on property liability.

How to get maternity capital?

To obtain material assistance, you need to meet some requirements - the child must be born after January 1, 2007, it must not be the firstborn and state aid has not yet been used.

Parents should contact the PF of the Russian Federation on this issue. The following list of documents is required to obtain maternity capital:

passport, information about the place of residence;
proof that the born child is a citizen of the Russian Federation;
documents proving that the recipient of the maternity capital is a citizen of the Russian Federation;
birth or adoption certificate of a child;
SNILS.

The deadline for obtaining a decision is a month. Upon approval of the application, a certificate of receipt of maternity capital is issued.

Now let's look at the order of registration:

written;
the applicant is notified of the receipt of the application by mail or by receiving a letter by e-mail. It all depends on how the application was originally written and sent;
within a month, the PF authorities confirm the authenticity of the documents submitted and request other information if necessary;
the parent is notified of the decision taken within 5 days after its adoption.

If all the rules for submitting an application and documents were followed, then there should be no problems with obtaining maternity capital.

What can maternity capital be used for?

Financial assistance from the state can be used only for what the law itself prescribes. Financial assistance is issued only in non-cash form. First of all, maternity capital can be used to improve living conditions- the purchase of an apartment is also included. However, this money (453 thousand rubles) will not be enough to achieve this goal. If the family has their own savings, then they can get housing by making maternity capital as a down payment.

Your desire to spend maternity capital should be indicated in the new PF with an indication of the purpose of use. After 2 months, the PF will transfer the money to the bank, home owner or developer.

Maternity capital can also be spent on buying a car. It will be interesting for large families or families where a disabled child is growing up. The purchase of a car is carried out only of domestic production.

You can also use the money to educate your children. This includes payment:

preschool education;
education received in universities and colleges;
living in a hostel at an educational institution.

Formation funded pension for the mother. However, this direction is not in demand due to the fear of not receiving this pension in the future. The mother may simply not live up to retirement age.

What changes will affect the size of maternity capital and how much it will be in 2019 is an urgent question for many families. The birth of a child always entails not only happy moments, but also inevitable difficulties - these are sleepless nights, and the recovery of a mother after carrying a baby, and continuous anxiety about the state of health of her child. But very often there is another problem - the financial one. Fortunately, the state can provide support on this issue.

Who can get maternity capital

Maternity capital is a government program that was originally designed for 10 years - from 2007 to 2019 inclusive. The main goal of the program is to increase the birth rate and get the country out of the demographic crisis. For 2019, statistics showed that the introduction of mat. capital fully met the expectations placed on it, so it was decided to extend the program.

Naturally, receiving such assistance from the state is possible only if certain conditions are met, one of which is the compliance of the person requesting support with one of the items on the list given in the decree. In other words, a person must fit into one of the following categories.

A woman, a citizen of Russia, who gave birth to more than one child after 2007.
A man, a citizen of Russia, who has been the father of two or more children since 2007.
A man, regardless of citizenship, if the mother was the owner of a mat certificate. capital, but lost this right.
A child under 18 years old or under 23 years old (when receiving a higher or secondary vocational education at an educational institution on a full-time basis).

In the latter case, if one of the parents owned a certificate for mat. capital, however, lost it for some reason.

Where to spend help

Mat. capital is a certificate of ownership of a certain amount of money, set in current order taking into account inflation. Directly material resources are not handed over. Such support is provided to families with many children under certain conditions, if they have a second and subsequent child.

Spend checkmate. capital can only be indirectly, since you cannot get money directly in your hands. It must be remembered that it is issued with the aim of improving the quality of life of the child, therefore, it can only be spent properly.

Getting preschool, school, higher education, living in a hostel.
Solution housing issue: repayment of a mortgage or other loan associated with an increase in living space due to the appearance of a new family member.
Treatment and prevention of diseases: operations, paid medical services, spa treatment, etc.
To the mother's retirement account - through the NPF.

In all cases, with the exception of improving living conditions, use a mat. capital is possible only when the baby reaches the age of three. If you need to change living conditions for the better, it is allowed to waste money mate. capital immediately after receiving the certificate, regardless of the age of the baby.

Indexation of maternity capital

In 2007, a law was passed, according to which the amount of mat. capital amounted to 250 thousand rubles. Further, this amount changed annually due to inflation. As a result, in 2019 mate. the capital reached the size of 453,026 rubles. This change in the amount has both its disadvantages and advantages.

The main plus is that the amount is indexed from the moment the law on the annual budget comes into force - that is, from the first of January. Thus, if the certificate was received at the end of the year, then it is most logical to wait for the onset of a new fiscal year and use it in the first half of next year. The main disadvantage is that the purchasing power of the certificate is lost a little annually, since the inflation rate forecast is often below its real value.

In conditions economic crisis additional additional indexations are possible during the year, if a similar system is used for the general budget. Reliable news on this matter appears only during the year. How much will the aid amount in the long term, what changes can occur?

For a long time (almost until the end of 2019) it was not clear whether it would last for 2019 and subsequent years. The latest statistical news showed that such material support gave tangible results - a sharp increase in the birth rate. As a result, it was decided not to stop the program, but to extend it until December 2019. At the same time, the decision was introduced in the form of an amendment to the basic law, therefore, all the previous rules - receiving and spending funds from the budget - remain unchanged.

You can get such help from the state only once for the second child or any next one. If mate. the capital was received for the second child, then it is impossible to use it at the birth of the third baby. However, in some regions of Russia, regional payments of the same nature are provided. It should be noted that the amount of these benefits is set by the regional leadership, as well as possible ways implementation of assistance.

Amount of maternity capital in 2019

In 2019, the last indexation was carried out, as a result of which total amount mat. capital reached 453,026 p. Contrary to expectations, the corresponding indexation in 2019 will not be carried out due to the difficult economic situation in Russia. Latest news inform about the decision of the Government to leave the amount of additional support unchanged large families for 2019, which will also amount to 453,026 rubles.

Moreover, a bill has already been prepared to temporarily stop indexing until 2020. However, if the Government nevertheless agrees to index the financial capital in 2019, then its size will be equal to 479,302 rubles. Since the list of possible directions for the implementation of material support from the state is very short, more than half of the families who received this support were able to realize only part of it. What happens to the remainder?

The balance will also be indexed annually until it is fully spent. In this sense, 2019 is still an exception in accordance with the adopted bill. In addition, the balance can be partially handled in the form of an annual one-time benefit introduced since 2009. The initial lump sum payment was 12,000 rubles. By 2019, its size increased to 25,000 rubles. At the moment, in 2019, it is planned to leave one-time payments in the amount of 25,000 rubles, but it is possible that this payment may be canceled altogether.

It will be possible to spend the balance of maternity capital only in accordance with the relevant law. In addition, since 2009, it has been allowed to receive annual payments, and since January 1, 2019, a new direction has come into force - the adaptation of disabled children. Parents who support such children have the right to use funds provided by the Government to purchase items that will help the child develop normally and integrate into society.

Additional payments for the birth of a third child in 2019

Recently, there was news that in 2019 there will be an opportunity to receive a certificate of a mother capital in the amount of 1.5 million rubles when the third child appears in the family. The project of such a change in the size of state support did exist and was considered in 2015, but was rejected at the first hearing for a number of good reasons.

First, it will be unfair to everyone else in the program. Second, the source is unclear additional income v state budget to allow such a waste. Now economic situation in the country puts under a serious question the indexation of the main capital, therefore, the appearance of an additional, especially in such large size, out of the question.

It will be possible to receive financial assistance for the third child only if it is provided for by the laws of the region in which the family lives. The following are the answers to the main questions that arise in connection with the financial capital.

It is allowed to receive benefits no more than once - for the second and subsequent child.
The benefit will not be subject to additional income tax.
When indexing is carried out, the total amount or the remainder of the mother's capital changes, but the certificate itself remains unchanged.
You can get help from the state in the period from 3 to 18 years of age of a child (or from 3 to 23 years of age of a child if he is studying full-time).
The legislation allows the use of the provided funds for education, starting from a very young age - this is preschool institutions, schools, etc.
Receive a certificate before the child reaches three years it is possible for payments on a mortgage or a loan for housing, construction of a house or an extension, etc. In some cases, funds are issued for carrying out overhaul, including, with an increase in living space.
The certificate can be used for the treatment of any close family member, as it is issued for the needs of the whole family.
An application for receipt is submitted to the FIU according to the area of residence in the prescribed manner.
You can submit an application remotely, with the help of a third party or by mail.
The loss of a certificate is not a reason for stopping its validity - a duplicate can be obtained from the FIU.
The certificate can be terminated, suspended or transferred to other hands.

In conclusion, it is important to pay attention to the fact that the absence of annual indexation of mother capital will lower its purchasing power, so it makes sense to use the assistance from the Government in the near future in one of the permitted directions.