What documents are needed for maternity capital?

Most recipients of maternity capital use it to purchase housing. However, the use of maternity capital to purchase housing is replete with various nuances. The state strictly controls budget funds. Any violation of the established procedure may lead to liability for misuse of money.

Let's look at how to make a transaction correctly, what pitfalls await the certificate owner

How to buy an apartment using maternity capital

There are conditions under which it is allowed to use funds to purchase housing. They are mandatory.

In particular, maternity capital can be used to purchase housing if:

1. during the transaction, the family receives full ownership of the property;
2. this circumstance arises for the first time (previously there was no owner of the apartment);
3. the residential premises are located on the territory of the Russian Federation;
4. it complies with sanitary standards;
5. the transaction is carried out in a form that does not contradict current legislation;
6. property is registered in the name of all family members, including:
   • minors;
   • certificate owner;
   • other adults (there are exceptions).

Attention! To receive budget money, you must submit an application to the Pension Fund office for its disposal. The document indicates the purpose of spending.

Registration of the certificate

The following persons have the right to apply for a certificate:

• baby's mother;
• the father, if the only surviving parent;
• adoptive parent;
• guardian;
• the child himself after establishing full legal capacity.

At the Pension Fund branch you will need to fill out an application and accompany it with documents proving your right to state support.

These, in particular, necessarily include the following:

1. identification of the applicant (passport);
2. confirming the fact of the birth of a child (birth certificate);
3. demonstrating its order (second or subsequent):
   • certificate of family composition;
   • documents of the first child (passport or birth certificate).

In some cases, additional paperwork may be required. After reviewing the documents, the applicant is issued a certificate. It is drawn up on a standard form and guarantees the right to receive finance from the state budget.

Important! A certificate for maternity capital (MK) is available only to citizens of the Russian Federation.

1. Choose a way to improve your living conditions.
2. Find an apartment that the owner agrees to sell using budget funds.
3. Draw up a purchase and sale agreement.
4. Register it with the Rosreestr authorities.
5. Contact the Pension Fund branch with an application for disposal of maternity capital funds.
6. Wait for the money to be transferred.
7. Remove the encumbrance from your home.

Important! The above algorithm is only suitable for transactions without the involvement of mortgage funds. If the purchase is made with the participation of a bank, then other subtleties appear.

Let's look at each step in more detail.

Choosing a suitable apartment

In addition, documents undergo a thorough check, which citizens are often wary of.

Important! The allocation of funds for the purchase depends on the “purity” of the documents. For example, housing encumbered with third-party obligations will not be allowed to be purchased.

Thus, the family has several options for choosing an apartment:

• on the secondary market;
• equity participation in a new building;
• contribution to a housing cooperative.

Attention! In 2019-2020, a certificate is issued in the amount of 453,026 rubles. Without raising additional funds for MK, you can purchase property only in remote corners of the country.

Registration of the purchase of a finished apartment

• MK funds are allocated from the state budget provided that the child for whom the certificate was received is 3 years old.
• The purchase and sale agreement can be drawn up in two ways:
• The standard form of agreement is used if:

• MK funds are sufficient to cover the transaction amount;
• the family has savings that are enough to pay for the purchase.

Installment is used in this way:

• at the time of drawing up the contract, the buyer pays part of the amount (determined jointly with the seller);
• the balance is paid in equal parts according to the schedule signed by the parties.

Maternity capital for the purchase of an apartment in 2019: documents, conditions, agreement

• Together with a lawyer, we will figure out how you can spend maternity capital to buy an apartment in 2019, what documents are needed to purchase housing, and whether it is possible to sell such an apartment later
• Journalist "KP"

Maternity capital is one of the most common ways of state support for family, motherhood and infancy. After the birth of the second, third and subsequent children, the state pays the new parents a lump sum of 453,026 rubles from the budget.

“The list of purposes for which capital can be spent is constantly expanding,” says lawyer Ivan Volkov, managing partner of the YURLIGA law firm . — Previously, it included only three points: improving living conditions, getting an education and increasing the level of pensions.

Now you can spend money, for example, to pay for the construction of a residential building - this innovation appeared only in 2019. Most parents prefer not to wait for what will happen in 20-30 years and decide to spend maternity capital on buying an apartment.

We have compiled step-by-step instructions for those who decide to improve their living conditions with the help of a certificate.

1. First of all, submit an application to the Pension Fund and receive a certificate for maternity capital.
2. Prepare all necessary documents.
3. Choose the property you like and tell the seller that you are going to contribute part of the amount through maternity capital. Be prepared for the fact that not everyone will be happy about this, so it may take time to find suitable housing with an accommodating owner.
4. If the seller agrees, you can draw up a purchase and sale agreement and include a clause in it that part of the amount will be paid in cash, and part will be paid with maternal capital using a certificate (here you will need to indicate the document number).
5. Register the transaction with the MFC.
6. Submit an application to the Pension Fund with a request to transfer money to the seller’s account. They usually arrive within a month.

“If a mother buys housing with maternal capital, she must formally agree that she will allocate a share in this apartment to the child,” explains Volkov. — The law does not clearly state what exactly this share should be, so theoretically it could be at least 1/10.

But usually adequate parents give their child a good share. Parents who take care of their children and spend maternity capital on buying an apartment, as a rule, accept the conditions. Alas, there are other mothers and fathers.

They “forget” about the child’s share, and when he grows up, he can demand justice through the court.

1. This is interesting
2. Maternity capital: main changes, payment amount
3. What will be the amount of maternity capital and what can it be spent on?
4. If you want to use maternity capital to buy an apartment, 2019 is a great year for this. To purchase an apartment you need the following documents:

1. Passports of the parties to the transaction
2. Birth certificates of children
3. Certificate of marriage/divorce (if any)
4. Certificate of registration of people in the apartment
5. Certificate for maternity capital
6. Contract of sale
7. If the transaction is executed as a mortgage, then you need to attach an application for a mortgage loan and the consent of the bank.

Important : if one of the stages of buying a new home is the sale of the old one, in which the child has a share, you must also obtain the consent of the guardianship and trusteeship authorities.

In general, for those who want to spend maternity capital on buying an apartment, it will not be difficult to collect documents: this minimal package allows you to carry out all the necessary real estate transactions. Many are sure that the easiest, and most importantly, free way is to find an example of a contract on the Internet and simply download it.

But, if you decide to use maternity capital to buy an apartment, it is better to draw up an agreement with a lawyer.

— In theory, it seems that “downloading from the Internet” is the fastest option, but in practice, I recommend contacting a lawyer who, for a symbolic amount, will draw up an agreement for you, taking into account your individual characteristics, and will check the legality of all points. Sometimes people, due to inexperience, do not notice the pitfalls and can conclude an unfavorable deal for themselves, on which they will lose a lot of money. The lawyer instantly sees all this.

Anyone who gets involved with buying an apartment immediately has dozens of questions. We answer the most common of them.

• Question:
• Is it possible to buy an apartment without waiting 3 years
• Answer:

Previously, to purchase housing, you had to wait until the child for whom maternity capital was received turned three years old. But it became clear: many young parents cannot wait several years - they need to buy new housing as quickly as possible.

Then the legislator made adjustments: now maternity capital can be used to pay for the down payment, or you can repay the loan debt or interest. An important limitation: this only plays a role if mom and dad took out a loan to buy or build a home (including a mortgage).

Also, money can be spent before the third birthday if the child is disabled, and the funds are needed to purchase goods that will help him adapt to society.

1. Question:
2. Is it possible to buy an apartment from my parents?
3. Answer:
4. There are currently no restrictions on the purchase of housing from grandparents of a newborn baby, however, there may be closer attention to such transactions.
5. Question:
6. Buying a share in an apartment
7. Answer:

Buying a share in an apartment using maternity capital is possible, but we must remember that it will have to be registered through a notary. This is how the legislator protects other shareholders.

• Question:
• Is it possible to sell an apartment?
• Answer:

If you decide to sell an apartment purchased with maternity capital, then know: this can be done. Another question: if you initially allocated your child the required share in this housing, then the transaction must be carried out through a notary.

This moment is dangerous not so much for sellers as for apartment buyers. When purchasing, you must check whether the housing was purchased using maternity capital funds.

“The following situation may arise: the child grew up and found documents in his mother’s suitcase confirming that there is an apartment that was bought, in fact, with his maternal capital,” Volkov shares.

“Then he can easily go to court, say that he only found out about it yesterday, and demand compensation for his share.” This will definitely not cause pleasant emotions in the new owners, however, adequate realtors always check this point.

1. Question:
2. How to get a mortgage?
3. Answer:

Applying for a mortgage with maternity capital is no more difficult than usual. “In fact, the process differs in that the contract stipulates the use of maternity capital,” explains Volkov.

— Otherwise, the bank simply transfers the required amount to the person who sells the apartment, and then you pay the financial institution.

There is no need to worry about whether the bank will accept the certificate: banks have a great attitude towards maternity capital certificates, for them it is a guarantee of payment from the state.

• Question:
• Registration of an apartment in installments
• Answer:

“Sellers do not like to arrange apartments in installments, especially using maternity capital, however, if you are buying an apartment from a friend or someone who trusts you, please do so - this is not prohibited by law,” Volkov notes. — The contract must indicate that the payment is not a one-time payment, specify the payment procedure and that the certificate will be used for payment.

How did you manage your maternity capital?

Documents to the Pension Fund for maternity capital

The certificate is the primary stage at which you only receive a document confirming your right to register capital. It will also indicate that there is an amount in your account in the amount of 470,241 rubles (for 2019). In the future, you can at any time order a certificate of the balance of funds in your account if you dispose of part of them.

The pension fund considers the application for the assignment of capital within 15 days. If the applicant applied through the multifunctional center, then this period is increased by the time required to send the documents.

 

Within 5 days from the date of the decision, the applicant is sent a notice of the decision, which indicates when and where to go to receive a certificate for maternal capital. The certificate will be enclosed in the same letter if the applicant agreed to this delivery method when filling out the application.

Only for the purposes specified in the law, in compliance with established procedures. You cannot use capital as cash for the current needs of the family.

Improving living conditions means purchasing a dwelling (apartment, house, room), building or reconstructing a house, and paying off a mortgage loan issued for the same purpose.

To form a funded pension for the mother, the Pension Fund, upon application, opens a special savings personal account to which MK will transfer the funds in whole or in part. In the future, these funds are invested in commercial activities to increase them. Upon reaching retirement age, in addition to the insurance pension, the mother will also be paid a funded pension.

As a rule, MK funds can be used only when a child reaches 3 years of age, whose birth gives him the right to receive MK. But there is no need to wait for this period for mortgage payments, mother’s pension and monthly payments. The mortgage can be paid off with capital, even if the obligations on it arose before the certificate was issued.

The subsidy funds can be spent entirely on one direction, or distributed in parts over several. For example, first receive monthly payments until the child reaches 1.5 years old, and use the rest to pay off the mortgage.

Expenditure of capital funds is carried out upon application for the disposal of maternity capital funds. It must be submitted to the Pension Fund by the owner of the certificate along with supporting documents, the list of which depends on the direction of use of the subsidy.

Such an application is considered by the Pension Fund within a month. If a positive decision is made, he ensures the transfer of money within 10 days.

Maternity capital is given for newborns and adopted children of Russian citizens. In the first case, everything is simple: we get the child’s birth certificate (at the registry office or MFC) and go for the certificate.

Russian citizenship is given to a child automatically if both parents have it—there is no need to confirm it separately.

If at least one of them is a foreigner, you need to go to the passport office and put a citizenship stamp on the birth certificate.

The birth certificate always contains information about the citizenship of the parents

Citizenship issues may also arise with an adopted child. By law, he acquires Russian citizenship from the moment of adoption, even if he was a foreigner. One hundred percent confirmation will be a mark on the birth certificate or an insert (they were issued until 2007). But the main thing is to have an adoption certificate in hand.

The maternity capital program is a form of support for families raising children. This assistance is provided by government agencies. This type of material support for certain categories of the population was established back in 2007. Thanks to the allocated certain amounts of money, young families can improve their current living conditions.

Upon the birth or adoption of a second, third and subsequent child who has Russian citizenship, provided that the mother and father have not previously exercised the right to additional measures of state support, maternity capital is allocated. Its size has not changed and currently amounts to 453,026 rubles. How to correctly draw up an application for maternity capital?

• If you become the parents of a second, third, and so on child, then you are a full participant in the maternity capital program.
• This gives you the right to receive a subsidy from the state, in a prescribed amount, and spend it for certain purposes, which are provided for by Law 256.
• However, in order to take advantage of this cash grant, you need to go through a procedure that involves registering your rights.
• Much depends on a correctly drawn up application for maternity capital.

Dear readers! Our articles talk about typical ways to resolve legal issues, but each case is unique.

If you want to find out how to solve your particular problem, please use the online consultant form on the right or call 7 (812) 467-38-74. It's fast and free!

Hide content

Last changes: January, 2019

An application for maternity capital can be submitted after the birth of the second child. To do this, the mother needs to contact the Pension Fund of the Russian Federation. All certificates for maternal capital are issued in a specific name. They are issued once.

The appearance of a second child in a family (birth or adoption) is a very serious and joyful event. It usually leads to an increase in the financial burden on the family's current expenses.

In order to financially help families with two or more children, the state has developed a special subsidy program. This project was introduced with the aim of increasing the demographic indicator in the country. It includes the right to receive a state-issued certificate for a certain amount of money.

The subsidy is provided once. To do this, you need to submit an application for maternity capital to the Pension Fund.

The amount of financial assistance is not indexed until January 2020 and has a strict list of possibilities for implementation. You can spend government money on:

• Teaching children. This can be not only higher education, but also vocational school, general education or special education. school, keeping a child in a preschool institution, studying in institutions with a certain profile (music, sports, art, etc.).
• Monthly payments. Certificate funds can be received monthly in equal installments. The clause is provided for low-income families for their financial support.
• Mom's funded pension part.
• Improving living conditions. Purchase of housing, construction or reconstruction.
• Rehabilitation actions in favor of children with disabilities (disabled people).

There are also regional programs for children. Each region sets its own level of financial assistance and is regulated by local authorities. Issued from the regional budget.

There is also a list of special requirements for filling out documents and applying for maternity capital. If you make serious mistakes or fail to comply with the requirements and rules, you risk being denied these payments.

Therefore, to avoid future rejection, follow the following set of rules that are mandatory. To correctly fill out an application for MK, you need:

1. Fill out all the fields indicated on the application form.
2. Provide reliable and truthful information.
3. Do not make mistakes when filling out.

Also, in order to submit an application correctly, you need to follow special requirements that are mandatory. The first step is to contact the required authorities, namely the Pension Fund, where your application will be considered.

The application must be submitted no later than three years from the date of birth of the child.

In the application, provide all the required information regarding the parents and the child. Otherwise, if you resort to simple rules, you risk being denied it.

Within the framework of the federal program, MK is issued only once. The opportunity arises after the birth or adoption of a second or subsequent children.

Regional MK is also paid once. The conditions for its registration differ.

Each region has the right to set its own conditions for receiving assistance, its amount and the purposes for which the certificate funds can be spent.

This approach is due to the fact that fertility rates differ significantly in each region. In addition, the level of well-being of citizens, as well as the level of socio-economic development of the region, are taken into account.

The site provides reviews of the Moscow, Nizhny Novgorod and Sverdlovsk regional programs.

The Pension Fund of Russia refuses to issue a certificate if:

• the applicant does not have the right to receive it or was deprived of such right at the time of submission;
• false information is provided regarding the sequence of birth or adoption of children, and incorrect information about their citizenship.

The decision can be appealed to a higher authority of the Pension Fund or in court.

If an incomplete set of documents is provided, the procedure for issuing a certificate is suspended until the necessary documents are provided. The applicant receives a notice indicating the duration of the suspension.

Funds from the MK can be used in whole or in part. For this purpose, the owner of the certificate is required to write an application for the use of funds. Its form is established at the legislative level. You can write it by hand or in printed form by contacting PF employees for help.

The procedure for processing documents for maternity capital

You can register maternity capital through a personal visit to the Pension Fund or electronically (based on Federal Law No. 302 of July 3, 2016).

Funds become available upon the birth or adoption of a second or subsequent child. The right to such assistance from the state must be exercised through application.

Read also: Cancellation of restriction of parental rights: sample application, through the court

The payment amount has been growing over several years, but since 2015 it has not been indexed by the state and currently amounts to 466,617 rubles.

For more information about the size and indexation of maternity capital, see this page.

Conditions for issuing a certificate

The basic requirement applies to the child’s date of birth – after January 1, 2007. Funds are allocated to a specific family only once. They can only be spent on purposes provided for by law. The right to payment is confirmed by a certificate, for printing of which state standards are provided. The terms for disposing of funds are not limited.

You can use the assistance provided to the family only when the child turns 3 years old. To issue a certificate, it is necessary that the mother or other legal representative of the minor has Russian citizenship.

List of applicants

Federal Law No. 256 of December 29, 2006 gives priority in receiving social assistance to the mother of a child who gave birth to a second or subsequent child during the period specified in the law.

If the mother dies, is deprived of parental rights, or commits a crime against the person of a minor that is dangerous to life and health, she may be deprived of the right to receive a certificate in court.

Then you are entitled to receive payments:

• the adoptive parent of the children, if he, in addition to the required documents, provides a court decision on adoption;
• the child’s father, if he confirms that the mother is unable to obtain a certificate;
• the minor himself (with the help of guardians and trustees) - if both of his parents have died or are deprived of legal rights to communicate and raise the child.

The applicant's status must be confirmed by a passport or other identification document.

Procedure for processing documents

It is advisable to adhere to the following sequence of actions:

1. Issue a birth certificate for the child at the registry office.
2. If necessary, register the citizenship of the child - if the child has the citizenship of the father, and he does not object to the minor receiving Russian citizenship or does not participate in the child’s life, including by court decision.
3. Fill out an application for a certificate.
4. Wait for a decision from the Pension Fund of the Russian Federation. The maximum period for receiving a response will be 30 days.
5. If the application receives a positive response, the family can use the funds for permitted purposes.

Preparation of necessary documents

To apply for a certificate, you need to submit the following documents to the Pension Fund of the Russian Federation:

• passport or other document that confirms the identity of the applicant;
• birth documents for all babies;
• information about the registration of parents, if they are not indicated in the passport;
• court decision on the adoption of the 2nd and next child;
• a judicial act depriving the mother of parental rights or the father (if he was the only parent of the child, and the mother died or was also previously deprived of the legal right to raise a minor);
• pension certificate - if the child’s mother is retired, including on disability;

A separate application for disposal of the funds provided must be submitted. In addition to the above list of documents, you will need to attach the original and a copy of the certificate.

Application for issuance of a certificate for maternity capital

Its contents include:

• Full name, applicant status;
• information about children - their full name, date of birth;
• information about the spouse - if the applicant is legally married;
• data from the pension certificate;
• contact information.

The application must be registered with the Pension Fund. It is reviewed and processed by authorized specialists.

A decision on the appeal is made within a month. The applicant must be notified of the decision in the manner specified by him or depending on the capabilities of the territorial office of the Pension Fund. The citizen must be notified within 5 days after the final decision is made.

If the application has been properly completed and all the above documents have been submitted, then the decision to issue a certificate will be positive.

The pension fund strictly monitors financial transactions and is authorized to contact law enforcement agencies if payments were used for other purposes.

Legitimate Spending Options

Taking into account the provisions of Federal Law No. 256, money can be spent:

• To improve living conditions (then the purchased property must be registered as shared ownership of all family members). You can also spend funds on the reconstruction of a residential building, repairs, purchase of land and building materials;
• To pay for children’s education – regardless of the method and form of education. It is allowed to pay with capital funds for private courses and pre-school educational services;
• For your mother’s future pension - then you need to write an application so that the Pension Fund of the Russian Federation transfers funds to a non-state pension fund;
• On the social adaptation of disabled children.

It is possible to pay off the debt on a mortgage loan with family capital until the minor reaches 3 years of age. Upon application by a citizen and upon provision of documents confirming the family’s poor financial situation, it will be possible to receive one-time assistance in the amount of 25,000 rubles from maternity capital.

Payments can be made through the Russian Pension Fund. The application and documentation can be sent through the My Documents service office (MFC). It is possible to draw up a document through the website www.gosuslugi.ru You can send documents by mail. Then the application and all copies of documents must be notarized, but this does not relieve the citizen from the obligation to personally appear at the Pension Fund.

Possible reasons for refusal to issue a certificate

Refusal is possible if:

1. not all documents have been provided;
2. specialists have identified inaccurate information about the applicant;
3. the applicant is deprived of the right to receive maternity capital or initially, according to the law, did not have such an opportunity;

Situations are possible when the applicant applied for a certificate and received it, but died, and the spouse does not have Russian citizenship.

It turns out that he cannot use capital funds, including to improve living conditions. Moreover, the Pension Fund has the right to file a lawsuit and completely revoke the certificate of the foreign parent.

Controversial situations must be resolved in court and, preferably, with the help of a competent lawyer.

Maternal capital

Maternity capital is a form of government support for families at the birth or adoption of a second child.

Parents of children born between 2007 and 2021 inclusive, a second child was born or adopted, can receive maternity capital. If at the birth or adoption of a second child maternity capital was not previously issued, then maternity capital can be issued at the birth of the third child or subsequent children.

Amount of maternity capital

Since 2015, the amount of maternity capital has not changed and amounts to 453,026 rubles.

It is important to know that periods of parental leave (up to 1.5 years for each child) are counted towards the length of service, and for each child the following is accrued:

•  1.8 pension coefficient per year of leave - for the first child,
•  3.6 pension coefficient per year of leave - for the second child,
•  5.4 pension coefficient per year of leave - for the third and fourth child.

How to register maternity capital?

1. You will need to fill out an application for maternity capital. This can be done on the State Services portal, at the Pension Fund of Russia or the MFC. The application can be submitted in person, through a representative or in the form of an electronic document.
2. Prepare the documents that will be needed to register maternity capital. If you submit an application electronically, the employee will accept it and send you an invitation to submit the necessary documents. They must be brought within 5 working days from the date of receipt of the application by the Pension Fund.

   The list of documents depends on the purposes for which maternity capital funds are planned to be used; you can check it with the Pension Fund or the MFC.

3. Wait for your application to be reviewed. An application for disposal of maternity capital is considered within a month. Then they make a decision - to grant the application or refuse. You will be notified of the decision within 5 days. If the decision is positive, the money will be transferred to its destination within 10 working days.

How to receive a lump sum payment from maternity capital?

Upon the birth of a second child from January 1, 2018, you can receive a monthly payment from maternity capital funds.

It is prescribed if the average family income per person is less than 1.5 times the subsistence level of the working-age population in the region.

The size of this payment also depends on the region of residence of the family: for example, in 2020 it will be equal to the child’s subsistence level for the second quarter of 2019.

Maternity capital will be reduced by the amount of this payment. You can receive it until the child is one and a half years old. The payment can be canceled at any time and the balance can be used for other purposes.

What can you spend maternity capital on?

Maternity capital can be spent only for those purposes listed in the law.

• improvement of living conditions;
• education of the child(ren);
• mother's funded pension;
• goods and services for children with disabilities;
• monthly payment in connection with the birth (adoption) of a second child from 01/01/2018.

Questions and answers about receiving maternity capital

• How many times can you receive maternity capital?
• Maternity capital is provided only once.
• Is maternity capital indexed?
• Maternity (family) capital is indexed by the state; changing its size does not entail a replacement of the certificate.
• What happens if I don’t have time to apply for maternity capital?
• The period for applying to the Pension Fund for the issuance of a state certificate for maternal (family) capital after the birth (adoption) of a second (third or subsequent child) is not limited.
• When can I start managing maternity capital?

An application for disposal of funds (part of the funds) of maternity capital can be submitted at any time after three years from the date of birth (adoption) of the second (third or subsequent) child.

If it is necessary to use maternity capital funds to pay the down payment on a housing loan or loan, as well as to pay the principal and interest on a loan (loan) for the purchase or construction of housing, to pay for the maintenance of a child (children) and (or) childcare child (children) in an organization implementing educational programs of preschool education, for the purchase of goods and services for social adaptation and integration into society of a disabled child (children with disabilities) or for a monthly payment, then the capital can be used at any time after the birth or adoption of the child , with whose birth (adoption) the right to receive a certificate arose.

1. Do I have to pay tax on maternity capital?
2. Maternity (family) capital is exempt from personal income tax.
3. Is it possible to cash out maternity capital?

Maternity capital funds can only be received by bank transfer. Any schemes for cashing out these funds are illegal.

At the same time, the owner of a certificate for maternity capital, who agrees to take part in cash-out schemes, commits an illegal act and can be recognized as an accomplice to a crime based on the misuse of public funds.

Conditions for receiving and issuing maternity capital

A full explanation on the topic: “conditions for receiving and issuing maternity capital in 2019-2020” from a professional lawyer with answers to all your questions. In 2019, the amount of maternity capital will remain unchanged and amount to 453,026 rubles .

The next indexation will be carried out in 2020, after which the amount of the certificate will increase to 470,241 rubles (this value follows from the explanatory note to the draft law on the budget of the Pension Fund for 2019).

The federal program will last until December 31, 2021 (unless this period is extended in subsequent years).

The permitted areas for spending funds will remain the same as in 2018:

In 2019, maternity (family) capital (MSC) will not be . Although a regular increase in the amount of the certificate taking into account the rate of increase in inflation is provided for by the federal law on maternity capital (Part 2 of Article 6), due to the crisis economic situation in the country, the size of the MSC was frozen in 2016-2019 .

During the period when indexation was carried out every year (from 2007 to 2015), capital increased by 81 percent - from 250 to 453 thousand rubles . The most significant increase occurred in 2009 - by 13 percent , and the minimum in 2014 - by 5 percent .

The cessation of the freeze first became known at a Government meeting in June 2017, during which Dmitry Medvedev announced the indexation of maternity capital. Then, in the fall of 2017, Vladimir Putin spoke about the extension of the federal program until December 31, 2021

Source: https://ugmk-insur.ru/usloviya-polucheniya-i-vydachi-materinskogo-kapitala-v-2019-2020-godu/

Maternity capital in 2020

Maternity (family) capital is a measure of support for families with children. You can receive a certificate for MSK immediately after the birth of your second or any subsequent child. All possible options for disposing of maternal capital are indicated in Federal Law No. 256-FZ, and in terms of improving housing conditions - in Decree of the Government of the Russian Federation No. 862.

What is maternity capital: what you need to know about it

Maternity capital is allocated to families with two or more children. The implementation of this government measure. support is provided in the following way:

• after the birth of a second or subsequent child, a woman applies to the Pension Fund and receives an MSK certificate;
• after the grounds specified in Law No. 256-FZ arise, you can submit an application for disposal of MSC funds;
• maternity capital is provided once, and you can use it for the entire amount at once, or in parts;
• The MSK certificate is personal, i.e. it cannot be sold. donate or transfer to other persons.

The issuance of MSK certificates and verification of documents on the disposal of maternal capital is within the powers of the Pension Fund. Applications and documents can also be submitted through the MFC, but decisions on them will still be made by Pension Fund specialists.

How to get maternity capital

You can apply for an MSK certificate immediately after the birth or adoption of a second or any subsequent child. In most cases, the applicant will be the child's mother.

The father can receive maternity capital if the woman died before filing the application, was deprived of parental rights, or was convicted of crimes against children and family.

After the certificate is issued, the relevant information is entered into the federal register.

Disposal of MSC funds is carried out at the request of the certificate holder. If both parents are deceased or deprived of parental rights, the children will be able to manage the money themselves after they reach adulthood. All applications for disposal are also submitted through the Pension Fund or MFC.

What documents are needed to register maternity capital?

An application is submitted to obtain an MSK certificate. The following documents must be attached to it:

1. applicant's passport;
2. SNILS;
3. a birth certificate for each child or a court decision on adoption;
4. marriage registration certificate (if available).

All necessary information for verification will be requested by PFR specialists. For example, data will be requested from the Ministry of Internal Affairs on the absence of criminal records or criminal cases against children, information from the court on deprivation of parental rights.

After the right to dispose of maternal capital arises, you need to submit an application again to the Pension Fund or through the MFC. The list of documents will depend on the method of disposal, including:

• agreement for the sale and purchase of an apartment or house;
• an agreement with a contracting organization for the construction of a private house, or for its reconstruction with the expansion of living space;
• mortgage agreement for the purchase of an apartment;
• a certificate of mortgage interest paid, if the capital is used to repay them;
• an agreement with the educational institution where the child studies on a fee basis;
• documents on the purchase of rehabilitation equipment for the child (contract, bills, doctor’s report);
• notarial obligation to allocate shares to all family members (if required).

For some methods of disposal, you need to contact the Pension Fund several times. For example, when building a house yourself, half of the money will be given before the start of work, and the second part - after 6 months or upon complete completion of construction.

Maternity capital amount

The amount of maternity capital in 2019 was 453,026 rubles. For 2020, it is planned to index MSC funds to 470,271 rubles. Matkapital in the specified amount can be obtained, even if a different amount was indicated in the certificate. Also, at the time of application, it will be checked whether the family has previously received part of the maternity capital funds.

Regional maternity capital

Subjects of the Russian Federation can take their own support measures for families with children. Regional maternity capital is usually paid for the birth or adoption of a second or third child. The exact amount of regional support is approved by each constituent entity of the Russian Federation separately.

What can you spend maternity capital on?

According to Federal Law No. 256-FZ, maternity capital funds can be directed to:

1. to improve living conditions - purchasing an apartment on the primary or secondary market, or in a new building, building a private house or its reconstruction;
2. repayment of principal and interest on a mortgage loan taken to purchase real estate;
3. formation of a funded pension for the mother of children;
4. acquisition of rehabilitation means for children with disabilities;
5. payment for children's education in preschool, secondary, vocational and higher educational institutions.

It is allowed to direct maternity capital in several directions. For example, having paid for a child’s education at a university, the remaining part of the maternity capital can be used to purchase housing or to pay off a mortgage.

Mortgage for maternity capital

Since the amount of capital is usually not enough to purchase housing, it can be used together with a mortgage. Law No. 256-FZ allows the following options for disposing of MSC funds:

1. maternity capital can be used to pay the down payment on the mortgage, and the bank will transfer the remaining funds to the seller;
2. you can repay the principal debt and interest on a previously taken out mortgage with maternity capital (to do this, you need to obtain a certificate from the bank about the status of the debt and interest);
3. You can simultaneously use your own savings, MSK funds and a mortgage.

You cannot receive money in cash when purchasing a home. At the request of the mother, the funds will be transferred to the seller or bank.

How to cash out maternity capital

Cashing out maternity capital funds is prohibited, i.e. the family cannot get the money in cash.

It is allowed to allocate funds for the construction or reconstruction of a house if the family performs all the work on its own. Also, since 2019, there has been a special program under which you can receive payments for a second child born after 01/01/2018.

This payment is received by families whose income does not exceed 1.5 times the regional subsistence level. At the expense of MSC funds, an amount equal to the subsistence minimum for the constituent entity of the Russian Federation will be paid for the first and second child. You can receive cash until the child is 1.5 years old.