Maternity capital in 2021: latest news, all changes, how to get it, what you can spend it on

Will there be indexing?

In 2021, maternity (family) capital (MSC) was not . 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 .

Annual indexation will be resumed from January 1, 2020 . Since, according to the forecast of the Ministry of Economic Development, inflation will increase by 3.8 and 4 percent , respectively, which is lower than in previous years, the amount of capital will increase at a less significant pace.

The cessation of the freeze first became known at a Government meeting in June 2021, during which Dmitry Medvedev announced the indexation of maternity capital. Then, in the fall of 2021, Vladimir Putin spoke about the extension of the federal program until December 31, 2021 ; the corresponding law No. 432-FZ was signed by the president on December 28, 2017.

The amount of maternity capital in 2021

In 2021, the amount of the MSK certificate is 453,026 rubles . Further increases in capital will occur as follows:

• up to 470,241 rubles - in 2021;
• up to 489,051 rubles - in 2021.

These data are given in the explanatory note to draft federal law No. 556363-7 on the Pension Fund budget for 2019 and the planning periods 2020-2021. The size of the MK is determined based on the consumer price growth index, which in 2020-2021 will be 3.8% and 4% , respectively.

On July 24, 2021, the resumption of regular indexing was confirmed by Tatyana Golikova. Speaking at a meeting of the commission on social and labor relations, the Deputy Prime Minister for Social Affairs noted that the annual increase in the MSC is an integral part of the Demography project.

The size of maternity capital has been established for 2021 and 2019

The credit institution indicates the amount of the principal debt and interest on the loan or loan on the date of preparation of the certificate. Therefore, when submitting an application, you need to indicate the amount of maternity capital, which will take into account the funds that you yourself transfer to the bank during these two months. This is especially true for families who plan to fully repay the loan using maternity capital. To avoid any disagreements with the bank that provided you with the loan, it is advisable to agree in advance with it on the terms of repayment (including early) of the loan, taking into account the timing of the transfer of funds by the Pension Fund.

The amount of maternity capital that will be paid in 2019 and 2021 will be indexed. As follows from the explanatory note, the amount of payments should be 480 thousand rubles in 2021, and 505 thousand rubles in 2019, based on current data from the Ministry of Economy on forecast inflation (6% and 5.1%, respectively). In 2021 and 2019,
maternity
capital will not be indexed.

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What can you spend maternity capital on in 2019?

In 2021, no new areas for spending maternity capital were added. Certificate funds can be used for the same purposes as in 2021:

1. Improving living conditions:
   buying a house, apartment or room;
2. construction or reconstruction of a house.
3. Payment for education of the child(ren):
   training in paid educational programs;
4. payment for a hostel while studying at an educational organization;
5. payment for preschool education.
6. Formation of a mother's funded pension.
7. Purchasing goods for adaptation to the society of disabled children .
8. Registration of monthly benefits for the second child .

You can dispose of maternity capital 3 years after the birth (adoption) of a child, with the birth of which the right to MSC arose. However, in order to direct the certificate funds in some areas, it is not necessary to wait 3 years, among them:

1. Paying the debt on loans or borrowings (including mortgage) for the purchase or construction of housing:
   payment of the down payment;
2. repayment of the principal debt;
3. payment of interest.
4. Maintenance of a child in a kindergarten or nursery (including private ones), as well as payment for other childcare and childcare services .
5. Monthly benefit for the second child born (adopted) from January 1, 2021 . Payments are assigned only to those families whose average per capita income is not higher than one and a half times the subsistence minimum established in a particular region for the working population. The amount of the benefit is equal to the child's subsistence level (see table by region).
6. Compensation of funds spent on the purchase of goods (payment for services) for disabled children included in the individual program of rehabilitation and adaptation (IPRA). The list of goods and services for social adaptation and integration into society , for the purchase of which it is allowed to use maternity capital money, is given in Government Order No. 831-r dated April 30, 2016.

Regional maternity capital

Some subjects of the federation have introduced their own payments when children appear in the family. They are established by regional decrees and laws, and differ from federal payments in size, conditions of receipt and spending. In some regions and republics, regional maternity capital can be obtained within a year and a half; in other regions, it is allowed to spend it on buying a car for the family. In most cases, regional payments are due for the birth of a third newborn. Regarding the specific conditions for the provision of local maternity capital in the region of your residence, you should inquire with the local social security authorities.

Last news

Although the amount of maternity capital did not increase, and no new areas for spending certificate funds were added, some changes :

• On January 1, 2021, Law No. 217-FZ of July 29, 2017 on citizens’ gardening and gardening came into force, thanks to which recipients of a certificate for maternal capital can now legally use it for the construction of a residential building on a garden plot of land (in the past - a dacha area). A prerequisite is that the building being erected must not be a garden house or outbuilding .

In addition, Law No. 390-FZ of October 30, 2018 came into force on reducing the time period for making a decision on issuing an MSK certificate from one month to fifteen days . In this way, families will be able to start using capital funds earlier.

Earlier, in 2021, the following innovations were added:

• Payment of a monthly benefit from maternity capital for the second child who appeared in the family from January 1, 2021.
• It has become possible to send MSK to preschool education of children immediately after issuing a certificate, without waiting three years .
• The program has been extended until December 31, 2021 .

In 2021, the state mortgage subsidy program will continue to operate. Families with a second or subsequent child born on January 1, 2021 will be able to receive a mortgage loan (loan) at a reduced rate of 6 percent per annum . Although preferential mortgages are only indirectly related to maternity capital, this is significant support from the state for families with children.

What is maternity capital?

Maternal, or family, capital is one of the types of social support by the Russian state for families raising more than one child. The corresponding provision (Federal Law No. 256) was adopted by a resolution of the Government of the Russian Federation and approved by the State Duma in December 2006. The legislation came into force at the beginning of the next year, 2007, and applied to all Russian families in which a second child appeared from that moment on.

Subsequently, some amendments and additions were made to Federal Law No. 256, and the amount of payments was indexed. But in general, all the original provisions of this legislative act reached 20019 without fundamental changes. The calculation and payment of maternity money is the responsibility of the local branch of the Pension Fund. The document confirming the right to receive the established amount of money is the mother’s certificate.

You can use it no earlier than three years after receipt, with some exceptions, which we will consider below.

New laws for 2021 on maternity capital

According to the new laws, even if a woman gave birth to twins, triplets or more children at once, only one maternity capital can be issued, because there were only one birth. The certificate is also issued to the adoptive parents, but only if the child becomes the second child in the family.

The amount of maternity capital has not yet changed - there are no plans to index it in 2021. As before, it will be 453,026 rubles. If they still decide to increase it, it will increase to 470,000 rubles. The program will be valid until the end of 2021, and may be extended. It will become easier and faster to issue a certificate in accordance with the new laws: previously the process lasted 1 month, but now it takes 15 days.

The directions for using maternity capital in the coming year remained the same:

1. improvement of living conditions: a family can buy an apartment, room, house, make repairs;
2. mortgage registration;
3. purchase of building materials for the construction of a house;
4. payment for education at a university, school, kindergarten;
5. payment for nanny services;
6. payment for accommodation in a hostel while the child is studying;
7. transfer of maternity capital to the mother's funded pension;
8. purchasing all necessary goods for a child with a disability;
9. monthly payments from maternity capital.

Maxim Topilin reported: families in the Far East will receive one-time benefits for their first child in the amount of 2 subsistence minimum (subsistence level). For 2 children they will be given an allowance of 130,000 rubles. They also plan to issue benefits for 3 children.

You can pay for kindergarten with maternal capital even before the child turns 3 years old. If the baby is enrolled in a private kindergarten, the institution must have a license, as well as a bank account to which the Pension Fund will transfer maternity capital.

Is maternity capital provided for the first child?

Until 2021 at the birth of the first child, his mother was entitled only to a one-time benefit from the state budget . This provision is still in effect today: the amount of one-time payments for 2021 is five subsistence minimums for the region of his residence. For different entities, the amount of payments will be different - from 8.3 to 22.2 thousand rubles. In addition, in December 2021, a new bill No. 418 was adopted, according to which families where the first child was born can qualify for additional cash subsidies.

People called these subsidies for the first baby “Putin’s payments”, since the initiative to introduce them came from the President of the Russian Federation. The purpose of introducing payments for the first-born is similar to that pursued in 2007 by the adoption of the law on maternity capital for the second child. According to government calculations, this should further spur population growth in the Russian Federation. Since, due to the economic crisis that broke out in 2014, many young families decided to temporarily abandon the birth of their first child. Federal Law No. 418 came into force in 2021.

Who can get it?

Families whose baby was born after the relevant legislation came into force are entitled to receive subsidy payments for their first child. Moreover, these subsidies are targeted. Not every family can receive them, but only those whose income level is below one and a half subsistence levels.

The cost of living for a specific subject of the federation is taken as a reference. Let’s say that for the Belgorod region, according to Rosstat, it is 9 thousand rubles, and for Chukotka it is already 15 thousand. Accordingly, in Belgorod, those families whose total income per each member is less than 13.5 thousand rubles have the right to apply for “Putin’s” subsidies, and in the Chukotka Autonomous Okrug – 22.5 thousand rubles.

Elena Smirnova

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According to the statement of V.V. Putin, the purpose of allocating subsidized money for the birth of the first baby is, first of all, to help young families. However, Federal Law No. 418 does not provide for any restrictions on the age of parents. Therefore, any family or single mother can apply for a subsidy. Families who have adopted a child under one and a half years old can also receive it.

Another condition necessary for accrual is that the child must have Russian citizenship . The citizenship of his father or mother does not matter.

How is it calculated?

Another difference between the “Putin benefit” and ordinary maternity capital is that it is paid not as a one-time payment, but over a period of one and a half years. The total amount of payments is 189 thousand rubles. It is issued to the baby’s mother in equal shares, by transfer to a bank card, over a period of 18 months. Payments stop when the baby reaches one and a half years of age, and the amount of monthly payments is about 10,800 rubles. From 2021, the amount paid is expected to be indexed, as a result of which it will increase to 11.1 thousand rubles. per month.

How to apply?

Let's look at how to apply for maternity capital in 2021 for your first child. The first step is to determine whether you are eligible for grant money. To do this, simply take the income of both spouses and divide it by two. If the total amount is less than 1.5 times the subsistence level for your region, then at the birth of your first child you can apply for a subsidy. This parameter was established on the basis that, taking into account the child, the family will increase to three people. This means that the average family income will be below the subsistence level.

Next, before receiving maternity capital in 2021 for the first newborn, all required documents are collected:

• Certificate from the registry office of the birth of the baby. When adopting, you will need to present a corresponding resolution from the guardianship authorities.
• If a woman has previously separated from her husband, she will need an extract from the registry office about the divorce.
• Certificates of family income - salary, scholarships, benefits.
• Bank details for transferring cash payments.

The listed documentation is submitted to the local social security authorities along with an application, which is written in free form by hand. You can also submit a package of documents through your local multifunctional center.