Recently, the topic of maternity capital has become more popular than ever before. This was due to the rapidly approaching end of the program and the financial crisis, which has exacerbated the need for money among Russian families. Against the backdrop of increased interest, people began to make a variety of assumptions and conjectures regarding the future and present of the not yet completed program to support families with children. The most utopian of them is maternity capital for the first child. We'll talk about it today.
Anyone who has read at least one article on the topic knows that maternity capital is not given for the first child. For the second, third, and even for the thirty-fifth - they give, but for the first - no, no.
For those who have not yet become acquainted with the concept of maternity capital (MC), let us explain a little.
MK is a measure of additional financial support for families raising several children (Article 2 of Federal Law No. 256 of December 29, 2006). MK is issued upon the birth or adoption by a family or one parent of a second or subsequent child (Article 3 of Federal Law No. 256). A prerequisite for receiving a subsidy is time above the designated event. Only those families in which another child was born between 01/01/07 and 12/31/16 have the right to MK. Those who are late or in a hurry will not receive the money.
As you can see, the law very clearly delineates what is due to whom and when. A fair question arises: where did the information about maternity capital and the first child come from?
Obviously, the rumors stem from the bill of the State Duma deputy M.V. Degtyarev dated May 29, 2012, registered under number 82972-6. The ambitious project introduced significant amendments to the law on maternity capital (Federal Law No. 256), allowing families who gave birth/adopted their first child to apply for MK on the same basis as others.
The basic amount of maternity capital for 1 child should have been 100,000 rubles. At the same time, the remaining conditions - regarding the areas of use and the procedure for receiving funds - remained in their original form. The first payments to families under the new rules were supposed to be made on 01/01/13.
The initiative was received very coldly at the highest authorities. Draft Law No. 82972-6 was subjected to severe criticism from the Government of the Russian Federation and the State Duma Committee on Family, Women and Children. The latter, in his conclusion dated September 13, 2012, gives the following arguments against the adoption of the amendments:
It is quite natural that after such a devastating conclusion, the bill was rejected on November 20, 2012. As of the end of 2014, maternity capital for the first child is still not issued.
This could be the end of the discussion of the topic “MK and the first child”, if not for one BUT. When applying for a certificate for MK, parents often have questions related specifically to their first child. We would also like to clarify some of them for you.
Question 1: Is the family entitled to maternity capital if the first child is already an adult?
Answer: Yes, it is. Based on paragraph 7 of Article 3 of Federal Law No. 256, the age of the first child does not in any way affect the emergence and termination of the right to receive maternity capital. Let your first-born be 25 or even 30 years old, if the next child appeared in your family after 01/01/07, you have the right to MK.
Question 2: A woman gave birth to twins as a result of her first birth, is she entitled to MK?
Answer: Yes, it has. According to the provisions of Article 3 of Federal Law No. 256, to obtain MK, the number of children is important, not the number of births. The main thing is that this event falls within the time period of 01/01/07. - 12/31/16 In this case, you can register any child from twins as the second one.
Question 3: The first child was stillborn. If I give birth to a second child, will I be able to get MK?
Answer: Unfortunately no. One of the required documents for issuing a certificate for MK is a birth certificate (based on Order of the Ministry of Health and Social Development of the Russian Federation No. 1180n dated October 18, 2011). It must be submitted by you for each child. In turn, in accordance with paragraph 1 of Article 20 of the Federal Law “On Acts of Civil Status” No. 147 of November 15, 1997. A birth certificate for a stillborn child is not issued by the civil registry office.
Question 4: I gave birth to two children, but my firstborn died in the first week of life. Can I apply for an MK?
Answer: Yes, you can. The fact is that on August 2, 2010, amendments to Article 20 of Federal Law No. 147 came into force. Now the parents of a child who died in the first week of life have the right to contact the civil registry office and receive a birth certificate (or a copy thereof). If the registry office refuses to issue a certificate or a Pension Fund employee refuses to accept documents for MK, the parents have the right to go to court.
We hope all the information above was useful to you. Healthy and strong children to you!
To take advantage of this profitable and promising opportunity, you need to understand what maternity capital is and in what family situations is it due to parents?
So, maternity capital is financial assistance from the state, which is due to a citizen of the Russian Federation who, in the period from 2007 to 2016, adopted (gave birth to) a second and subsequent child.
Money is issued as a certificate, which confirms the right of a citizen of the Russian Federation to own and dispose of the specified amount of money.
Here It is important to clarify that you can receive maternity capital only once in your life: if the mother received this “benefit” for her second child, then the third and subsequent children no longer become the reason for receiving maternity capital.
If the certificate was not received for the second child, then complete all the documents possible after the birth of the third child in the family.
It doesn’t matter where in the Russian Federation the child was born and from whom, the mother (adoptive parent) receives the certificate.
If the only parent or adoptive parent is the father, and the mother, for example, died after childbirth or was deprived of parental rights, then he has the full right to receive maternity capital for the second and subsequent child born after 2007.
As mentioned above, the applicant does not receive money, but becomes the owner of a certificate, who provides him with tangible financial support in his life.
Sum maternity capital indexed annually, and every year (in January) the required payments are made in larger and larger amounts.
For example, on January 1 2016 year, the amount of maternity capital amounted to 453 026 rubles, whereas in last year this amount reached 429 thousand"with kopecks." The help is tangible and the help is real, which is why many mothers, as soon as they give birth, submit the required package of documents to the Pension Fund for review and receipt of the required payments.
So, among the required documents required:
If the child has been adopted, then a mandatory document is confirmation of adoption in court. Again, only a photocopy of this document is submitted to the Pension Fund.
To spend maternal capital possible for the following needs:
Maternity capital, alas, cannot solve other financial problems, therefore, before making far-sighted plans to buy a car or repair it, it is important to carefully familiarize yourself with Russian legislation. If the money remains unclaimed, you don’t have to worry - the allocated amount not only does not expire, but is also indexed annually.
Many mothers are keenly interested in whether they can receive maternity capital for their first child and significantly ease their financial difficulties.
The question is not simple, especially since Such a bill has already been introduced into Russian legislation.
According to its provisions, from January 1, 2013, every woman who gave birth to her first child has the full right to receive maternity capital.
True, the amount stated is slightly different, and amounts to 100 000 rubles
This bill was aimed at increasing the birth rate.
As you know, over the past decade, women’s childbearing age has increased rapidly, and now the vast majority of mothers are women over 30.
In order to attract women's attention and interest in having their first children before the age of 30, the idea of paying maternity capital to those families in which the first child appeared was proposed.
Obtaining a certificate in such a situation also complies with the stated provisions, as for a second and subsequent child. If the money is not used for its intended purpose, then put sum for payments also annually indexed.
To date, it is not possible to receive such financial assistance, but this is temporary and easily explained: the bill came into force only on January 1, 2013, accordingly, the first payments will begin only after three years.
So now every mother whose family has one or more children can safely count on financial support from the state. Required condition– child’s age from 3 years, although the documents themselves must be provided to the Pension Fund after receiving the birth certificate.
Many women who have already completed the paperwork and received maternity capital are concerned: will it be possible to take advantage of the required payments if the first child has already reached adulthood?
Oddly enough, but this question is the most common and frequently asked!
Answer: There is no need to worry about this because the oldest child may be 20 years old when a baby appeared in the family. The main thing is that he was born in between from January 1, 2007 – January 1, 2016. You can receive legal payments only after reaching the age of three and only for those needs that are stated in the bill.
So the state also helps those mothers who decided to have a second child already at a mature and conscious age. This chance is definitely worth taking advantage of.
If you have questions, you can always contact the Pension Fund of your area, where they will provide detailed information on the topic completely free of charge.
See also video
Is there maternity capital for the first child in Russia? What kind of support is generally provided from the state to families with children? Understanding all this is not as difficult as it seems. And all parents should know this information. Otherwise, you may be left without additional funds allocated to support families with small children. So what can new parents hope for? What benefits and payments are due for the birth of a baby? Where and how to register them?
The first step is to find out what maternity capital is. As practice shows, it is this payment that interests many parents. The thing is that maternity capital is the money allocated as a lump sum payment for the birth of children in families. They are intended for the treatment/education of minors, the formation of the mother’s pension, as well as for mat. capital offers about 453 thousand rubles. Or more precisely - 453,026 Russian rubles. Not so little! Is maternity capital given for the first child? No. In Russia, you can receive such support only if you have at least 2 children. But there are other payments due for 1 child.
According to the rules established in Russia, no capital is paid to the mother for the first child. But in 2013, one small amendment was proposed. She offered to pay 100,000 rubles for the birth of the first baby in the family. However, such a bill was rejected. Why? The point is that maternity capital for the first and subsequent children should be an incentive to bear children. But in the presence of large amounts of material support with only one child, such motivation does not arise. Moreover, in Russia there are other payments to improve the well-being of the family. Which ones exactly?
To begin with, it is worth considering benefits that are paid on a regular basis up to a certain point. Financial assistance for the birth of a child from the state in the form of monthly payments is the norm for everyone. There are so-called monetary compensations for maternity leave. They are prescribed to one of the parents until the baby is one and a half years old. These are monthly payments. They will either depend on the citizen’s earnings (40% of the average), or will be assigned a fixed minimum amount by the social insurance fund (about 2,900 rubles). Also in some regions there is a benefit accrued for caring for a minor after 18 months. It applies to children up to 36 months. But, as a rule, it is not issued. After all, the payout is not that big. For example, in Kaliningrad it is 50 rubles per month. Maternity capital is not provided for the first child, but monthly benefits are always assigned. Including subsequent children.
It is also worth paying attention to one-time payments. Just by their name it is clear that they are issued only once. And in strictly fixed sizes. There are so-called maternity leave. This is money due to an employed woman after the 30th week of pregnancy. They depend directly on the average income of a citizen. Unemployed girls are not entitled to such a payment. Neither for the first nor for subsequent children. There is also a one-time benefit. It amounts to about 15 thousand rubles and is issued at the birth of each baby. It applies to both employed and unemployed people. You can also apply for a one-time benefit, which is due to all girls who early turned to the antenatal clinic when they discovered their “interesting” situation. That is, up to 12 weeks inclusive. The amount of this benefit is about 500 rubles.
As already mentioned, maternity capital is not provided for the first child. However, at the regional level, some cities provide additional support to the population. There are gubernatorial and regional benefits. They are assigned for each minor or for the birth of several babies. For example, in Kaliningrad there is a governor's payment. For each minor they receive 3,500 rubles. And in Moscow, the benefit is 5,500 rubles. It is best to check with the administration of the family’s city of residence.
How to make payments? Since maternity capital is not required for the first child, it is worth knowing about the procedure for receiving all other types of material support from the state. To the MFC or “one-stop service” you need to bring:
How to register maternity capital? For the first child, all previously listed payments are due. But not swearing. capital. It, as already mentioned, is issued only if there are at least 2 children. Documents are submitted either to the MFC or to the Pension Fund. You must bring:
To whom and in what amount are maternity capital given in 2018? What documents are required to obtain mat capital? What can family capital be spent on?
Hello, dear readers of the site “HeatherBober.ru”! This is Dmitry Shaposhnikov, a regular author of the business magazine.
In a new publication we will talk about maternity capital. The topic will be of interest to all family people, as well as those who are planning to start a family or simply want to improve their level of financial literacy.
So let's begin!
Maternal (aka family) capital is a financial measure to encourage Russian citizens to have (adopt) a second child and subsequent children. This type of government support is aimed at increasing the birth rate in the country and stimulating natural population growth.
The mat capital law came into force at the beginning of 2007. The initial amount of subsidies was 250 thousand rubles, but every year since the introduction of the benefit, this amount has been indexed.
The size of maternal family capital (MFC) has constantly increased. Currently (2018) it is 453 026 rubles
The amount is not handed out immediately after the birth of the second child: it is not cash “real” money, but a monetary obligation that can only be used for certain needs. The list of these needs is limited by law.
The legal definition of maternity capital is as follows: these are federal budget assets distributed among the population through the Pension Fund of the Russian Federation (PFR) for the purpose of implementing state support measures for families.
Several important facts regarding maternity capital:
In some regions of the Russian Federation, federal fertility stimulation programs have their own nuances, including changing the size of the benefit towards an increase and providing other benefits. There is a separate publication in our magazine.
Indexation has been carried out annually since 2007. The exceptions were 2016 and 2017: in these years the amount of MSC remained the same as in 2015.
In the current 2018, indexation of the size of the MSK was not carried out.
In order to compensate for the lack of indexation, an anti-crisis measure was taken at the beginning of 2016 - all certificate holders could receive 20 thousand rubles from the capital amount by submitting an application to the Pension Fund before March 31.
In May 2016, by decision of government authorities, in connection with the protracted crisis, a repeated payment was introduced. Parents whose babies were born before December 31, 15 could receive it. At the same time, the amount increased - now cash payments from maternity capital amounted to 25 thousand.
New possibilities for using the benefit are also being introduced - for example, the allocation of funds for high-tech treatment and social rehabilitation of disabled children.
Latest news on the topic:
Vladimir Putin took the initiative to extend maternity capital until 2022. In addition, as part of the implementation of the National Strategy for Action for Children, the President proposed making payments monthly for those families who need it.
Putin also said that monthly payments for the birth of their first child would be introduced as additional support for Russian families. On average, they will amount to 10,523 rubles per month in 2018 and will continue to grow - in 2020 they are expected to reach 11,143 rubles.
Another innovation is that maternity capital funds can now be spent not only on education or improving living conditions, but also on paying for the care of preschool children, starting from 2 months.
Video with this news:
2. How to receive maternity capital - who issues it, documents and conditions for receiving it
This chapter contains all the most important things about obtaining mat capital.
The general rule is:
MSK Can be used for its intended purpose after the child is 3 years old.
The exception is situations when it is necessary to repay a loan for the purchase of housing (mortgage), construction, or reconstruction. You can spend funds for these purposes immediately after receiving a supporting document.
You should apply for a certificate at the regional office of the Pension Fund of the Russian Federation at your place of registration or stay. An application for extradition is submitted in person or through an authorized representative. You can also send it by mail.
The following have the right to receive the document:
- women, citizens of the Russian Federation, who gave birth (adopted) 2 children or subsequent children since January 1, 2007;
- men, citizens of the Russian Federation, the only adoptive parents of the second or subsequent children (if the decision on adoption was made on January 1, 2007 and later);
- minor children upon termination of their parents’ right to additional measures of state support.
The right to maternal capital is confirmed by a state certificate.
Standard list of documents for obtaining a certificate:
- Application for receipt.
- Applicant's passport.
- Birth certificate for all children.
- Court decision on adoption (for adopted children).
After collecting the necessary documents (usually copies), they are taken to the Foundation, and a certificate is issued in person about a month after a standard legal check. If the recipient cannot come to receive the document in person (for example, lives in a remote area), it will be sent to him by mail.
3. What to spend maternity capital on - TOP 5 popular options
Not all parents who qualify for a certificate know how to use it most effectively. Meanwhile, there are many options for using capital: improving housing, child education, healthcare, paying off loans and borrowings.
We have selected the most popular methods of using maternity capital and examined them in detail.
We would like to warn readers that this is not a complete list of all possibilities for the practical use of MK: new prospects will be discussed in the corresponding section.
Option 1. Improving living conditions
In the HeaterBeaver magazine there is a detailed publication entirely devoted to the issue. In this paragraph we will consider general provisions.
Using MK to purchase or build housing is the most popular option among the population for managing state benefits. This is logical: when 2 children are born, the question of increasing living space is especially relevant.
There are several options for solving the housing problem with the help of MK:
- reconstruction (modernization) of a residential building with a parallel increase in area;
- purchasing a house (more details in the article “”);
- participation in shared construction (contribution from MK as a contribution);
- application (there is a separate article on this topic).
An application for the disposal of mat capital for the construction or purchase of a house (apartment) is submitted to the same body - the Pension Fund. This organization manages all operations with maternity capital.
Money from maternal money can be used to pay for the services of work crews, the purchase of building materials, the operation of equipment and other expense items that arise during construction and repair work.
Option 2. Take out a mortgage or loan
Borrowing money for an apartment using family capital or taking out a mortgage is a unique opportunity for parents to provide housing for themselves and their children. , read in a separate publication.
Financial companies (banks and other organizations with lending rights) issue funds for maternal capital primarily to improve housing conditions. However, in recent years, the possibility of providing other targeted loans secured by maternity capital has been considered.
The types of loans available to certificate holders are described in detail in the articles “” and “”
Please note that a positive decision on lending and mortgage payments is not made on every parent’s application. Financial institutions have strict requirements for potential borrowers.
In particular, they are required to provide:
- certificate of official employment;
- document confirming stable income;
- evidence of an impeccable credit history.
If the bank agrees to the loan, families receive many benefits in the form of minimal down payments and long terms for the total payment of the mortgage and loan.
You can pay with family capital for a loan issued before the birth of the second child. Both the mother and the father can complete the transaction. To get a mortgage, there is no need to wait for the baby’s 3rd birthday: an agreement with the bank is concluded, if desired, immediately after birth.
Important nuance
Funds from the maternity state benefit cannot be used to pay off fines issued by the bank for failure to meet payment deadlines.
Option 3. Pay for the child’s education
A great way to use mother's money is to contribute to a child's education. This type of investment will definitely result in solid dividends for a young person, since investments in personal development are the most profitable investments.
You can use funds for educational needs only after 3 years. The deadline for using assets is 25 years. An educational institution must be located on the territory of the Russian Federation and have the legal right to provide services of this type.
Where to go if you decide to spend MK on your child’s education? As always, to the Pension Fund, to the branch at your place of residence.
Parents who are advanced in modern technologies can complete the procedure via the Internet using the “Personal Account of a Citizen.”
List of educational services that can be paid for with capital:
- Child support and/or supervision of him in educational institutions (kindergartens, nurseries, clubs, sections, children's clubs).
- Studying at a university, a special educational institution.
- Study in music and art schools.
- Exercise in a sports club.
- Participation in state educational programs with appropriate accreditation.
- Accommodation in a hostel at the university.
Funds can be sent to both private and public institutions. Write and submit your application six months (at least) before the date when you need to pay for services.
Option 4. Transfer to a pension fund
A mother or father can apply to transfer family capital or part of it to a non-state fund - a private company that manages citizens’ savings.
Such institutions should (ideally) not only store money, but also increase funds through profitable financial transactions.
By law, you can return these assets to yourself before retirement age and spend them on a child’s education or housing needs. You can also receive these funds after retirement in the form of a term payment.
Option 5. Sell maternity capital
Here we want to immediately warn that there are few legal ways to sell family subsidies.
It was possible to cash out only 25 thousand (until November 2016), but it is possible (if the crisis drags on) the state will again meet citizens halfway and pass a law on repeated payments.
We warn you that most options for selling maternity capital or placing a certificate in trust are outright fraudulent transactions aimed at depriving parents of their legal funds.
If you are offered to take your assets into circulation and are promised good profits in exchange for intermediary services, this is a direct reason to be wary. Most likely, you are faced with scammers who will not only not return your money, but will also leave you in debt to credit and mortgage organizations.
All options for disposing of MSC in one table:
№ Use case for mat capital Advantages Flaws 1 Improving living conditions Real savings on construction and purchase of housing None 2 Credits and loans You can use MK as a down payment and as a means of repaying the main loan Loans are given only for housing needs 3 Education Any type of education is paid for The program is valid only up to 25 years of age 4 Transfer to a pension fund A great way to boost your retirement savings Over many years, the real value of the ruble currency may decrease significantly 5 Sale – Almost all methods of cashing out capital are illegal 4. New programs and prospects for using maternity capital
Family capital as a tool for improving the demographic status of Russia has shown its effectiveness and promise. Officially, the program has been extended until the end of 2018, but there is a high probability that it will continue to operate.
It is possible to introduce new methods of using subsidies:
- – read about this in a separate article on our portal;
- use of funds for healthcare needs - purchase of medicines, treatment of seriously ill children with high-tech methods;
- development of personal farming for village residents;
- purchase of equipment, furniture, durable goods;
- payment for sanatorium and resort services;
- providing disabled children with technical equipment.
In some regions of the Russian Federation, these programs have already successfully entered into practice. For example, in the Ivanovo region, you can spend MK for any of the purposes listed above from the date of purchase of the certificate.
5. Basic questions about maternity capital (FAQ)
And now answers to some of the most common questions regarding family capital.
Who is NOT given a maternity capital certificate?
The benefit is definitely not given to parents whose children were born (or adopted) before 01/01/2007, as well as to non-Russian citizens.
Providing a certificate is possible only if you have all the documents necessary to complete the procedure.
Is it possible to receive maternity capital for a third child if it has already been received for the second?
The answer is no. The right to use funds from the state budget is granted once. True, some regions may pay additional maternity money in addition to federal money for the birth of a third and subsequent children.
What NOT to spend maternity capital on?
Funds cannot be used to pay off debt on consumer loans, purchase goods, or make payments on any loans, except those related to home repairs and construction.
To protect funds from misappropriation by irresponsible, short-sighted, and financially illiterate parents, the state has banned direct cashing of certificates. In other words, money can only be spent on vital things - housing, education, health.
This project was submitted for consideration to the State Duma of Russia and contained a proposal, starting January 1, 2013, to give the right to maternity capital to families in which the first child was born or adopted. At the same time, the established amount of maternity capital for the first child was 100 thousand rubles.
The main goal of developing this project is to stimulate the early birth of the first child in the family.
It was assumed that maternity capital for the first child could be spent both in full and in parts for the same purposes as the money received for the second or subsequent child. Those. for this money it would be possible to improve living conditions, provide education to a child or children, form a funded part of the mother’s labor pension, etc. At the same time, the sale of funds from the maternity capital certificate was expected no earlier than three years after the birth or adoption of the first child.
The Government of the Russian Federation, having reviewed and analyzed this draft federal law, came to the conclusion that maternity capital should not be considered as a payment in connection with the birth of each child. After all, it is much more important and urgent that the goal of the new law be state support for families raising two or more children. Therefore, the Government of the Russian Federation did not support this draft federal law.
By the way, this draft federal law was submitted to the State Duma for consideration in November 2012. The result of the review was a decision to reject it.
Maternity capital is a significant help. And many women quite often worry whether they will be able to receive payment for the birth of a baby if their first child has already reached the age of 18 at this time. After all, it happens that women decide to have a second child only when they are already quite firmly on their feet, have had some success in their career, which gives them the opportunity to create all the necessary conditions for the birth of a baby. The eldest child at this time may already be 10, 15, or even 20 years old.
Worries about this are completely in vain. Because, whatever the difference between the birth of the first and second or even third child, a woman still has the right to receive maternity capital. The main condition is that the next child be born after January 1, 2007 and before December 31, 2018. And even if the first child has already become a parent and has children, this will not become an obstacle to receiving government support for a woman who decides to take a very serious step - to give birth to a child in adulthood.
