Telephone number for contacting maternity capital

Initially, maternity capital is a payment that is expected to a family in which a second or subsequent child was born in the period from January 1, 2007 to 2026. The law was changed in 2021. Now a family has this right once for the first child, then a similar certificate with a different amount is issued as support for the second child born in 2020. For the third child they also give an amount, but only to pay off the mortgage. Let's take a closer look.

What can you spend maternity capital on in 2021?

The list of activities has been expanded, now there are more opportunities for families. Starting from 2021, you can officially spend maternity capital on obtaining or repaying rural mortgages at 2.7%, as well as on military mortgages.

If maternity capital is spent on obtaining or repaying a mortgage, there is now no need to obtain a paper certificate at all. The bank independently communicates with the Pension Fund and takes care of all formalities.

In particular, you can spend money on:

• payment for the construction of a residential building on a garden plot of land;
• improvement of living conditions - take out a mortgage and use maternal capital as a down payment or to cover part of the debt. This concept means a number of situations: repairing a house or apartment on your own; participation in cooperatives called housing-construction cooperatives; for reconstruction, as well as repairs of a residential building with the subsequent expansion of the residential area. Also, funds received under a certificate from the state can be used to compensate for the construction of a house or the purchase of housing;
• acquisition of a plot within the city or urban settlement;
• construction of your own house on a plot owned by recipients of maternal capital;
• payment for the education of any of the children, including preschool, higher or special education. Money from “Maternity Capital” can be spent on paying the required amount for studying at a university, as well as for living in a dormitory or for sending a child to kindergarten.;
• refinancing a mortgage taken out without maternity capital funds;
• payment for childcare services;
• increasing the funded part of the mother’s or father’s pension. After making a decision on this option for spending the “Mother’s Certificate”, they will be transferred to the accumulative part of the future pension benefit;
• compensation for the costs of purchasing things necessary for a disabled child - equipment, technology, special treatment;
• receiving monthly payments for children born after January 1, 2021 from maternity capital funds until they reach 3 years of age.
• The money can also be spent on paying interest on mortgage lending (if the loan terms require this).

All this becomes possible immediately after the baby is born. No longer will you have to wait until he turns 3 years old.

These are not all the currently possible options for spending Maternity Capital, changes in the amount of payments for which occur every year. The most convenient way to obtain most of the information is on the website of the Pension Fund of the Russian Federation.

Maternity capital indexation amount

From January 2021, paragraph 2 of Art. 6 Federal Law No. 256 of December 29, 2006 again resumes its effect. Now the amount of maternity capital will increase annually taking into account inflation. From 2015 to 2021, this clause was not in effect, and the amount of payments remained the same every year - 453,026 rubles.

In 2021, indexation was 3.7%. This increased the certificate amount to 483,881 rubles for the first child and to 639,431 rubles. - immediately for 2 children (1st and 2nd).

The Pension Fund of the Russian Federation has already provided forecast figures for the indexation of maternity capital, taking into account the inflation rate of 4%. Families in which a child will be born in the next 3 years can count on such state support, the amounts are indicated in rubles:

Who will be denied maternity capital?

Another question that worries many is why they may refuse to receive money. According to statistics for the period from 2011 to 2021, 203 thousand families were denied payment of capital.

Main reasons:

• No rights to receive. If the family has no born children, and the adopted ones have not yet received documents. If the couple falsified information to get money. Also, the right disappears if the capital was received and spent earlier.
• Parents are deprived of rights to the child for whom capital is issued. When there is a court decision to deprive parents of their rights, it will no longer be possible to spend even the previously received certificate.
• One of the parents committed illegal acts against the child’s personality.
• The documents contain inaccurate information regarding the order or date of birth of the children.
• Termination of a purchase and sale agreement in the case when the funds are used to purchase housing or pay part of the mortgage.
• An attempt to purchase a plot where it is not allowed - where it is impossible to electrify, gasify or provide alternative heating, far from settlements.
• An attempt to build a house using maternal capital on a plot that does not belong to the child’s parents.
• Also, funds are not transferred to cover any loans other than mortgages or loans for the purchase of housing. You cannot use matkapital to cover a loan issued for a car, vacation, purchase of furniture or other purposes.

If you believe that maternity capital was denied unreasonably, you can contact the Pension Fund. If you cannot find support there, you can go to court.

Is it possible to cash out maternity capital?

The legislation of the Russian Federation does not provide for legal ways to cash out budget funds (for details, see the article at the link).

There are offers from companies on the Internet according to which parents can cash out maternity capital through the purchase of a home. Such transactions are always fictitious - through them, families attempt to take part of the money in the form of cash. That is, through a special company, a contract for the sale and purchase of housing is drawn up, which is not actually purchased. The Pension Fund transfers the funds to the “seller”, and the fraudulent company transfers part of the money to the parents and takes the rest for itself.

Another option is to falsify training courses. In this case, the parents declare to the Pension Fund that the minor is attending certain courses and ask specialists to transfer funds to the account of the “educational organization.” But this method is used less often.

These illegal actions will be detected by authorized bodies. From this moment on, the family is deprived of the right to use maternal capital. Additionally, parents risk facing fines or imprisonment for fraudulent activities.

The only available option for “cash-out” of funds is monthly payments for a child born from the beginning of 2021 to the card until the baby reaches 3 years of age.

Answers to frequently asked questions

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

Can I receive maternity capital for a second child if the first one was born in another country?

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

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

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

Will the amount of maternity capital be indexed if it has not yet been spent?

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

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

Is it possible to receive maternity capital after the birth of the third child if the certificate was issued after the birth of the second?

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

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

How many times can you get maternity capital?

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

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

Can a father receive maternity capital?

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

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

If twins are born, will the capital be doubled?

If a woman (or man) gives birth to twins or more children, she has the right to receive maternity capital.

But only one of the children will bring the amount, even if there were five of them. The amount of capital does not increase in any way depending on the birth of several children at once.

Self-study documents

Decree of the Government of the Russian Federation N 280 “On amending clause 10-4 of the Rules for allocating funds (part of the funds) of maternity (family) capital to improve housing conditions” (02/27/2021)

Decree of the Government of the Russian Federation N 368 “On amending clause 3.1 of the Rules for allocating funds (part of the funds) of maternity (family) capital to improve housing conditions” (03/13/2021)

Decree of the Government of the Russian Federation N 380 “On the Rules for allocating funds (part of the funds) of maternal (family) capital for the purchase of goods and services intended for social adaptation and integration into society of disabled children, by compensating the costs of purchasing such goods and services” (31.03. 2020)

Order of the Ministry of Labor of Russia N 606n “On approval of the Rules for filing an application for the disposal of funds (part of the funds) of maternal (family) capital and the list of documents necessary to exercise the right to dispose of funds of maternal (family) capital” (01/18/2018) Invalid

Order of the Ministry of Labor of Russia N 149n “On approval of the Rules for filing an application for the disposal of funds (part of the funds) of maternal (family) capital and the list of documents necessary to exercise the right to dispose of funds of maternal (family) capital” (02/26/2021)

Federal Law N 256-FZ “On additional measures of state support for families with children” (06.29.2021)

Decree of the Government of the Russian Federation N 862 “On the Rules for allocating funds (part of the funds) of maternal (family) capital to improve housing conditions” (04/16/2021)

Decree of the Government of the Russian Federation N 926 “On approval of the Rules for the allocation of funds (part of the funds) of maternal (family) capital for the education of a child (children) and the implementation of other expenses related to the education of a child (children)” (03/31/2020)

Decree of the Government of the Russian Federation N 686 “On approval of the Rules for issuing a document confirming the implementation of basic work on the construction (reconstruction) of an individual housing construction project carried out with the involvement of maternal (family) capital” (03/26/2014)

Order of the Ministry of Health and Social Development of Russia N 1180n “On approval of the Rules for filing an application for a state certificate for maternal (family) capital and issuing a state certificate for maternal (family) capital (its duplicate) and the form of a state certificate for maternal (family) capital” (11/20/2018 ) Inactive

Last news

01.03.2020

In Russia, changes have been made to the Federal Law on Maternity Capital. The amounts of maternity capital are established at the birth (adoption) of the first, second, third child or subsequent children. The validity period of the maternity capital program has been extended until December 31, 2026.

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General provisions

Matkapital is a type of state financial assistance that is paid one-time. It is intended to improve the quality of life of families with children, and therefore can only be spent on purposes specified by law. This includes education for all children, rehabilitation of disabled children, and improvement of living conditions.

The program has been in effect since the beginning of 2007; accordingly, assistance is assigned to those children born after 2006. Its term has been extended several times, the project is valid until the end of 2021. But indexation has been suspended until January 2021 - the amount is 453,026 rubles. Indexation is planned for 2021 and will increase by 3.8% and amount to RUB 466,617 .