Assistance program for young families in the form of a payment maternity capital implemented in 2007. At the initiative of the government of the Russian Federation, measures were taken to improve the birth rate. For this purpose, at the birth of another baby, the family is paid an allowance. Such material compensation since the beginning of the program has improved or completely changed the living conditions of many families with two or more children. Recall that the federal maternity capital is provided only after the appearance of another baby in a family where there is already a first-born, and in order to receive it, a state certificate is required.

Along with the federal program to support parents and their babies, some regional authorities have taken the initiative to pay additional maternity capital from regional budgets. The amount of money depends on the specific region, may differ significantly from the federal one and is regulated by local governments.

Changes in the federal program

The federal program was planned until 2017. Reinforced rumors about the termination of maternity capital payments are not true: Government program successfully extended until 2018. The amount of money that the parents of the baby can receive has not changed: the amount has remained the same. Indexation is expected in 2017, yet the state budget was strongly affected by the economic crisis.

However, changes in the federal payment program in 2017 really appeared and affected the following points:

1. Maternity capital was received for the second and every next baby, and now money from the state is allocated only for one of the children.
2. In 2017 appeared new opportunity use funds: they can be invested in the organization of social adaptation of children with developmental disabilities. The family will be able to receive these funds in the form of a refund for goods or services purchased in connection with the social adaptation program.

Use of federal capital

Where can I spend the money received from the state in 2017? There are several legally approved options:

1. Repayment of a loan, loan or down payment for the purchase of a home.
2. For a funded pension for the mother of the child.
3. Repair, construction and remodeling of housing to improve living conditions families. This includes reconstruction, construction, shared construction, funds invested in cooperative housing and other activities. As well as reimbursement of funds invested in construction (building materials and payment for services).
4. Acquisition of goods and services related to the social integration and adaptation of a disabled child, including financial compensation for the maintenance of a child in kindergartens, schools, student dormitories.
5. For child compensation educational program within the country.

You can use the money only when the child reaches three years. This also applies to adopted children: the countdown starts from the day the court decision on adoption comes into force.

There is still an opportunity to receive a lump sum payment for the current needs of the family: in 2017, the amount increased and its size is 25 thousand rubles.

Process

To begin with, a certificate for receiving maternity capital is issued. The following persons are entitled to receive such securities:

1. A citizen of the Russian Federation who had a second child (possibly adopted) since January 1, 2007.
2. Citizen of the Russian Federation, the only adoptive parent who received a court decision (since January 1, 2007).
3. Not a citizen of the Russian Federation, if the mother of the child has lost the right to use maternity capital. This may be a violation of the law, deprivation of parental rights, death, etc.
4. A child under the age of majority or a student of a stationary form of education up to 23 years old, if the only parent has lost the right to use maternity capital.

Documents to be submitted to obtain a certificate:

To receive funds, you need to provide the following documents:

1. Statement.
2. Proof of identity with a suitable document (passport, replacement passport).
3. Certificate of adoption or birth of a child.
4. SNILS.

In addition, additional papers may be required to confirm what needs you want to spend maternity capital on. The application is considered within a month from the date of submission, in case of a negative answer, a legally justified refusal will be provided without fail.

If you are entitled to the payment of maternity capital, the funds are credited no later than two months later.

Regional news

Regional support programs were launched later than the federal one and are formed by local authorities based on the possibilities of the regional budget. AT different areas The amount of the cash benefit and the conditions for receiving it differ from each other. For example, the amount of payment in the Nizhny Novgorod region is 25 thousand rubles, and in Bashkortostan - 410 thousand rubles. Only a few points are relatively common:

1. Regional maternity capital can be obtained by living in the region for a certain number of years.
2. Receiving money is possible after the birth of the second or third child.

In 2017, about 70 regional programs continue to operate, but not in all areas. For example, Perm has suspended payments of regional maternity capital. Only children born before 2017 can receive the money.

Nuances of regional programs

The difference in payments and conditions for obtaining maternity regional capital is actually significant. So, for example, in Bashkortostan, for each adopted child with a disability, an additional payment is made, the amount of the amount is 100 thousand rubles. Yes, and the amount paid when replenishing the family with a new baby is significant, in size almost the same as federal payments.

In the Penza region, instead of maternal regional capital, they decided to give out a plot of land for improving material conditions and building a house or farm.

Where to invest

The regional money received in 2017 is allowed to be spent on such needs:

1. To improve living conditions, including: repair, construction, rebuilding or loan repayment.
2. To buy land plot for building a house.
3. To buy a vehicle for the whole family.
4. For the education of children.
5. For medical services for children.

The list varies depending on the region, in some areas financial assistance can be spent on any needs, in others - on strictly regulated items.

For example, in Yakutia in 2017 it is possible to send a child to a sanatorium and resort treatment outside the region, in Komi families annually receive compensation for travel and sanatorium treatment in the amount of 25 thousand rubles. Of course, if there are certain medical indications for this.

Since January 2007, the federal law on state assistance to Russian families with children has come into force. Initially, the amount of funds for maternity capital was 250 thousand rubles. By 2016, it increased by about 80% and now equals 450 thousand. Many parents are interested in the following questions:

• How can I get maternity capital;
• What it can be spent on and what not;
• How to cash out mother's money through a bank and can this be done before the child reaches the age of three.

You will find the answer to these and other questions in this publication.

Is it possible to cash out maternity capital through a bank?

Maternity capital can be cashed out through a bank only in cases provided for by law. Specifically, in 2016, it is possible to use these funds until the child reaches 3 years old only for the following purposes:

• To purchase a home;
• To pay off existing debt.
• It is strictly unacceptable to use children's money for any other purposes.

Also, parents should be aware that in order to use the MC, it is necessary to prove that they will go exclusively for the purposes provided for by the law, and not somewhere else.

How to cash out maternity capital in 2017 through Sberbank - conditions

It is possible to cash out maternity capital through Sberbank of Russia in 2017 if the funds are used to purchase housing in a mortgage. For this, the financial structure has even developed a special program, according to which it is permissible to use the MC to make a down payment on a mortgage in the event of an acquisition:

• apartments in a new building;
• land for the construction of a residential building;
• finished housing.

In addition, MC can be used to pay off existing mortgage debt.

For the use of children's money for the above purposes, it is necessary that certain conditions are met, namely:

• that at the time of using the funds, the second child in the family would already be three years old;
• provide Sberbank with a complete list of all necessary documents.

The list of required papers for presentation to Sberbank includes:

• Document proving the identity of the applicant and confirming it Russian citizenship and address of registration at the place of residence.
• Certificate of receipt of money from the state (original and copy).
• An act confirming your financial position and ability to pay for this moment.
• Document from the guarantor.
• Certificate from the pension fund.
• Application for a mortgage.

The applicant should be prepared for the fact that before giving the “go-ahead” for the use of maternity capital, all submitted documents will be carefully checked by a special commission of Sberbank.

How to cash out maternity capital up to 3 years?

Those parents who are wondering how to cash out maternity capital in 2017 up to 3 years through Sberbank should know that this can be done only within the framework of established legislation. It will not be possible to fully cash out MK, you can only use it by bank transfer.

In order to exercise this right, parents or guardians must come with a corresponding application to the nearest branch of the pension fund at the place of residence. The applicant must bring the following set of documents with him:

• Certificate for MK;
• Identity document - passport of a citizen of the Russian Federation;
• Mortgage agreement from Sberbank (copy);
• An act confirming the ownership of mortgaged housing;
• Extract from the house book.
• Family Composition Act.

What can you spend maternity capital on if you cash it out?

It is possible to cash out mat capital through Sberbank only in two cases:

• to pay off a mortgage;
• to improve their living conditions.

All other methods are illegal and not allowed.

Currently, there is only one acceptable opportunity to use cash from the MK - this is to write a corresponding application to the pension fund and take a lump sum payment of 20 thousand rubles. This money can be spent on any needs of the family without any explanation. However, you can only receive this payment once.

From January 1, a law comes into force that from 2017 maternity capital will be issued for 3 children in the amount of 1.5 million rubles. I have already received a certificate for the second, but in a couple of years we are planning another third child. What is the best way for me to proceed with the certificate now? We want to buy an apartment on a mortgage, the capital will go as a down payment. If we spend the certificate now, will they give us 1.5 million for the third one or not? Or if a new certificate is no longer issued for 3 children, then maybe it’s better to submit not all 453 thousand, but part of it in the down payment? So that with the birth of the third, my amount would be increased under the new law to 1,500,000 rubles.

The myth that from 2017 the state will issue maternity capital in the amount of 1.5 million rubles for 3 children, has been living on the Internet for more than two years and has firmly settled in the minds of a certain part Russian society. Moreover, the desire of our citizens to wishful thinking has already generated so many misunderstandings in this matter that workers pension fund it's time to publish official denials on this score!

Unfortunately, all these rumors about the payment of one and a half million rubles have long been irrelevant to reality! And it all started with that atmosphere of uncertainty about the future of the mate program. capital, in which Russian families have been for the last few years. Recall that initially the federal law of December 29, 2006 No. 256-FZ, the new demographic program was designed for only 10 years - until December 31, 2016.

However, long before this date, families were interested in the prospects extension of the program after 2016. In 2013, the president himself answered this question rather evasively during the traditional “direct line” Vladimir Putin: he noted that in one form or another the program would continue after the 16th year - only for sure on modified terms.

Time passed, but no concrete proposals on this matter were made by the Government itself. Then in July 2014, Belgorod deputies developed and submitted to the State Duma their own bill No. 571638-6, which proposed to extend the program for another 10 years until 2026 inclusive under the following conditions:

• issue from January 1, 2017 a certificate for maternity capital only at birth or adoption third child;
• continue for families who received it up to and including December 31, 2016;
• do not index certificate size issued to large families after 2016, however, increase its size immediately to 1.5 million rubles with the need to use the specified amount as a priority to improve living conditions.

Has the law been passed?

Very long time on the submitted project federal law there were no movements at all - its preparation for consideration by the State Duma in the first reading was completed only by April 2015. Government proposed bill did not support, pointing out the following shortcomings:

• the document is in conflict with the current conditions of the program, providing for significant restrictions on the direction of use of the certificate;
• the established single size of the certificate under the program, renewable for 10 years, will put families in an unequal position depending on the moment of acquiring the right to mother capital against the background of annual inflation (the sooner, the more you can buy with this money);
• extension of the program in this version will require more funding, the source of which is not offered by the authors of the law.

As a result, the bill was rejected by the majority according to the results of its consideration in the first reading on April 21, 2015, and the discussion of the new law itself took only a few minutes! Below is a transcript of the meeting.

Since then, the proposal to pay maternity capital in 2017 for 3 children in the amount of 1.5 million rubles. became a fable, but for some reason over the past time this story has not sunk into oblivion, like many other good legislative initiatives regarding the mat program. capital. Moreover, as can be seen from the above question, many parents have already believed in this story as an established fact and see new opportunities opening up in this.

Meanwhile, on behalf of President V. Putin, by law No. 433-FZ of December 30, 2015, the maternity capital program extended under the same terms for at least two more full years. Now its fixed period of validity expires .

Comments (29)

shown 29 of 29

Svetlana 07.12.2016 at 16:13

How unfair it is not to carry out indexation of financial capital for several years, when there is such inflation! I am a mother of two children, and believe me, I cannot buy any housing. Thanks to our deputies who reject such important laws for people!

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Svetlana 12/20/2016 at 23:35

I am Vyatkina Svetlana, a single mother of many children, I also wanted to buy a house with maternity capital, but I don’t have enough! There are simply no words on how single mothers can raise children in such conditions. Why then this capital? If you can't buy a decent house with it...

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• Alla 01/21/2017 at 05:48

  You don't have to have kids to buy a house. This program It is calculated as support, and no one is obliged to buy housing for you. And do not put pressure on pity and shout that you are a single mother. There are no children without dads, and if you have already become single (and even with many children), this is your cross, so you carry it.

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  Ruslan 01/30/2017 at 01:33

  You are a callous creature, if you do not understand such situations, and I give those mothers due recognition that they are brought up alone. But I think otherwise, our V.V. Putin will still accept a positive result.

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  Elena 03/31/2017 at 10:22

  And people like Alla will never understand how not easy it is to raise children for one mother, in a normal state there should always be support for people, because only then the state will be prosperous and strong. And our V.V. Putin, as you stressed, will justify our trust, I hope so, because he is a strong politician.

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  Oksana 02/06/2017 at 13:57

  It's obvious that you don't have children. And the fact that there is not enough for an apartment, so banks are reluctant to give loans and credits to large families! Our government gives with one hand and takes with the other! You can’t even wait for the prescribed site according to the law.

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  Elena 02/19/2017 at 13:13

  Our state can only help strangers and forgive huge debts to countries, but to hell with our own ... I am a single mother who works officially, they don’t give a mortgage, even for a hostel of 700,000 for 30 years. Evil is missing! And live in a rented apartment on their meager maternity and children's allowances of 700 rubles. What you worked, what you didn’t work - the same payments, and despite the way they are drawn up at work, they don’t want to pay tax. No allowances normal, nothing! Although you have earned experience (at least a tuft of wool from this sheep), because without experience you are useless to anyone, only through protégés and no help, just work and pay them for all taxes to this state ... And you can’t give birth without housing.

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  Natalia 02/07/2017 at 09:47

  Alla, it is immediately clear that you do not know the conditions of the program. When buying a home at the expense of maternity capital, the ownership of real estate is divided into equal shares for all family members, including children. This is a must! So mothers do not buy apartments for themselves, but for their children to grow up in comfortable conditions!!!

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  Marina 02/28/2017 at 13:57

  What cross? Do you think you are writing? Children are our everything. And in this country no one thinks about people at all. Everyone survives as best they can. And there is no need to blame anyone for the fact that someone left her. It's just that this (daddy) is a weakling, not a man.

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  Natalya 03/02/2017 at 11:59

  Alla, you are wrong, either a person who has no children can write this way, or a person has a brick instead of a heart. You really can’t buy an apartment, and no one says that she will buy an apartment for herself - all the same, they still need to arrange everything for the child in the future, when she turns 18.

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  T @ tiana 03/15/2017 at 22:17

  Scribe!!! I am a mother of two children, married, officially working and my husband too. At the moment in maternity leave. We wanted to buy our own housing, take a mortgage, but we could not, because not a single bank approved us! And what do you want to say? Should I not take advantage of this opportunity and purchase a house for my family at the expense of the state??? You're talking crap here, we give much more to the state.

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  Lesya 03/16/2017 at 16:04

  Not for myself, but for my family. The family is mother and children. There are different situations, and dads are also frostbitten. Crosses do not exist ... There is a temporary a difficult situation, and since we are a social state, then this state is obliged to improve the life of its population. Shame on the state in which a mother with children should live, do not understand where. This is not the case in the developing countries of Europe...