What will be the maternity capital in the year. Latest maternity capital news

Maternity capital for 2 children in 2018 underwent several significant changes, which were proposed by Vladimir Putin in November 2017. Firstly, the program, the completion of which was scheduled for December 31, 2018, was extended for several more years - until 2021 inclusive. Secondly, two new possibilities for using the certificate were provided - these are monthly cash payments from maternity capital in the amount of the subsistence minimum (on average in Russia about 10,000 rubles per month) for the second or subsequent child under the age of 1.5 years and the right to use the certificate without waiting 3 years for the maintenance of a child in a nursery or kindergarten (which, according to the country's leadership, should be very popular with Russian parents against the background of the planned program to open new nursery places, for which there is now a large deficit).

Otherwise, for parents of two children or more, the same conditions remain the same as the maternity capital program operated in 2017. As before, state certificates are issued once at the birth (adoption) of a second or subsequent child, their size is still 453,026 rubles (that is, indexation was not carried out again - the size of the certificate was frozen until 2020) and no additional payment to the maternity capital of 250,000 rubles will not be paid either. The list of the main directions for the disposal of MSC funds and the stipulated conditions (restrictions) for their use will not change, with the exception of the above - this is, first of all, the possibility of receiving new monthly payments from the mother capital for a child up to 1.5 years in the amount of the child's subsistence minimum.

The only thing that gave a greater urgency to mat. Capital in 2018 was the program's duration, which was supposed to end in 2018. In this regard, the most important and fundamental question was whether the maternity capital would be extended after 2018. Vladimir Putin gave the answer to this question back in November 2017 - the maternity capital was extended until December 31, 2021.

Who is entitled to maternity capital

In accordance with the current legislation, the following persons have the right to receive maternity capital:

• a woman who has citizenship of the Russian Federation, who, starting from January 1, 2007, has given birth (adopted) a second child or subsequent children;
• a man who has Russian citizenship, who is the only adoptive parent of the second or subsequent children, if the court decision on adoption entered into legal force starting from January 1, 2007;
• the father (adoptive parent) of the child, regardless of whether he is a citizen of the Russian Federation, in the event of termination of the right to additional measures of state support for a woman who has given birth or adopted children - due to her death, deprivation of parental rights in relation to the child or the commission of a deliberate crime against her children;
• a minor child (children in equal shares) or a full-time student until he reaches the age of 23 - upon termination of the right to additional measures of state support for the father (adoptive parent) or a woman who is the only parent.

How has the amount of maternity capital changed in 2018

The size of maternity capital has remained unchanged over the past several years. The same amount of 453,026 rubles will be paid in maternity capital in 2018.

The indexation of funds on the certificate was suspended in 2015, and its resumption is planned by the Government now no earlier than the beginning of 2020.

What changes have occurred with the parent capital since June 15, 2018

The maternity capital can now be used for on-lending, regardless of when the need arose. The corresponding decree was signed by the Prime Minister of the Russian Federation Dmitry Medvedev, as announced at a meeting with the Deputy Prime Ministers.

The Prime Minister recalled that now the funds of the capital can be used to re-lend previously issued loans for the construction and purchase of housing, but only if these financial obligations arose before the birth of the second child or subsequent children.

“It’s not very convenient, people need a lot of freedom in managing their money,” the head of the Cabinet of Ministers said. Medvedev said that he had signed a government decree, which "gives the right to spend maternity capital funds for on-lending, including mortgage loans, regardless of when the need arose, before and after the birth of the second child and subsequent children."

Deputy Prime Minister Tatyana Golikova drew attention to the fact that "recently in the Russian Federation there has been a tendency to reduce mortgage rates, and a fairly large number of families who have maternity capital have expressed a desire to send it to refinance loans." “They did not have such an opportunity, but the signed decree provides such an opportunity,” she said. According to Golikova, 1.9 million families can take advantage of this potential new opportunity.

“Throughout the entire period of time [of the maternity capital], 5.3 million families out of the total number of families who decided to use the maternity capital sent these funds to housing,” the Deputy Prime Minister said. According to her, out of this number, 3.4 million families sent money to repay loans, which amounted to 1.3 trillion rubles, another 1.9 million families sent maternity capital funds to purchase housing, which amounted to 0.7 trillion rubles.

"Since the start of this program (since January 1, 2007), 8 million 550 thousand families have received maternity capital, 5.1 million families have already fully used the funds," Golikova said. According to her, 537.3 thousand families for 31.4 billion rubles spent maternity capital on the education of children as of May 1, 2018.

“Now, taking into account the new demographic package, taking into account the fact that families are given the opportunity to receive cash payments for the second, third and subsequent children, as of May 30, 8 thousand 817 applications were submitted to receive funds from maternity capital for these purposes, 5 thousand each. 940 have already received payments, ”the Deputy Prime Minister emphasized. She believes that expanding the use of capital capital will have a positive effect on not only the demographics, but also the social status of families.

How to get maternity capital in cash

Cash payments of 25 thousand from maternity capital in 2018 will not be made. Instead, at the initiative of Vladimir Putin, families at the birth of their second child will now be able to receive monthly payments in the amount of the subsistence level for a year and a half, which can be considered a new alternative to the traditional one-time payments that have not been provided since 2016. In fact, now this is the only way for citizens to withdraw "real money" from the mother capital, which they can spend at their own discretion.

However, not everyone is entitled to new monthly payments - only families in which a second child has been born since 2018 will be able to dispose of them, provided that their average per capita income per family member does not exceed 1.5 times the subsistence minimum of the working-age population.

In 2018, the Government did not consider the possibility of receiving a lump sum payment of 25,000 rubles for families whose maternity capital certificate had unspent funds. One-time annual payments were a measure of support during the crisis period and were set as part of the anti-crisis plan. After 2016, such assistance measures were no longer taken, as officials repeatedly announced the end of the economic crisis.

Since January 1, 2018, a number of significant changes have taken place in the maternity capital program. Read about the latest news about maternity capital 2018 in our article.

From January 1, 2018, Federal Law No. 432-FZ of December 28, 2017 entered into force, according to which the maternity capital program is extended for a period until December 31, 2021. The same document is the basis for the action of another direction of using the certificate - receiving monthly cash payments from the mother capital in the amount of one living wage at the birth of a child after January 01, 2018. Payments can be received until the child reaches 1.5 years of age, the amount is set individually in each region (on average in Russia, the amount of payments is 10 thousand rubles).

At the same time, the new law on maternity capital 2018 provides for the use of social support in one more area - the possibility of paying with a certificate for the care, care and maintenance of a child under 3 years of age in a preschool educational organization. It is allowed to transfer state support funds to the current account of any educational institution, regardless of whether it has accreditation.

Also, as in the past year, the amount of maternity capital in 2018 is 453,026 rubles. The certificate is issued only once upon the birth / adoption of a second or subsequent child.

Important! The established amount of maternity capital of 453,026 rubles will not be indexed until January 01, 2020 (in accordance with the provisions of the Law of December 19, 2016 No. 444-FZ).

To date, the term for registration of maternity capital is not determined by law, respectively, parents have the right to receive a state certificate for use as intended, even after the expiration of the program, until the child reaches the age of majority.

Maternity capital 2018: what can you spend state support funds on

In accordance with the Federal Law on Maternity Capital No. 256-FZ, state support funds can be used in the following areas:

• Improving living conditions:

1. home purchase
2. construction or reconstruction of the IZhS facility
3. compensation of expenses for repair and construction work
4. as an initial payment for the purchase of a home on a mortgage
5. depositing funds under an equity participation agreement when purchasing residential real estate
6. to pay off the principal debt and pay interest on a mortgage loan or a loan for the purchase of an individual housing construction /

If the recipient of the certificate has several mortgage loans, the funds of the mother capital can be used to repay all of them at the same time.

When a positive decision is made on the use of maternity capital funds for a specific purpose, the funds must be transferred to the account of the certificate holder no later than 1 month.

• Educational services:

1. payment for paid educational services in institutions with state accreditation
2. keeping children in any preschool educational organization, regardless of the presence of accreditation
3. payment for accommodation in a hostel of an educational organization

• Mom's pension

Maternity capital funds can be used in three areas of pension payments:

1. urgent, with a duration of at least 10 years;
2. accumulative, with the transfer of funds to the PFR branch;
3. lump-sum, if the amount of the funded pension is 5% or less in relation to the amount of the insurance old-age pension.

The mother of the child, who is the holder of a certificate for obtaining maternity capital, has the right to independently choose an insurance company, as well as transfer investments from a non-state fund to a state institution.

• For the social adaptation of disabled children in society

In order to use the certificate for mother capital in this direction, you must perform the following steps:

1. to be examined by specialists of medical and social expertise;
2. submit an application to the ITU for the inclusion of testimony in the IPRA to provide a product or service (along with the application, a personal document of the child is submitted, a referral to the ITU, SNILS, a certificate confirming the disability, the IPRA of the child);
3. purchase the necessary product or receive a service, all payment documents must be saved;
4. apply to the district department of social protection with an application for receipt of an inspection certificate for the FIU.

The list of goods and services that are intended for social adaptation and integration of disabled children into society, compensated by maternity capital, are spelled out in a separate section in the IPRA.

The capital funds can be spent for the adaptation of any disabled child in the family. Maternity capital funds can be used as compensation for rehabilitation programs carried out for a disabled child, taking into account the following features:

• payments of funds are made after the parents provide checks confirming the costs of the purchase of goods and services;
• compensation is paid in relation to the child to whom the IPRA is assigned;
• capital funds will not be able to compensate for the funds that were spent on paid medical services, as well as other measures established by the List of Federal Law No. 181-FZ;
• the certificate allows you to purchase technical means that contribute to the socialization of a disabled child in society (bed lifts, ramps, baths, and others) that are not provided under government programs.

Maternity Capital Law 2018: what cash payments can you count on

The recipient of a certificate for maternity capital in 2018 is entitled to receive monthly payments for the maintenance of a child up to one and a half years, taking into account the following factors:

• these payments can be counted on by parents at the birth of a child after January 01, 2018;
• if the total family income is no more than 1.5 times the subsistence level per person per month;
• the maximum amount of payments will not be higher than the subsistence level for a child, determined in each separate region.

It is worth noting the importance of the timely appeal of parents to receive monthly payments from maternity capital. So, if the recipient of the certificate applied before the child is 6 months old, the amount of payments is recalculated in full from the moment the baby is born. If you apply with this question after the child reaches six months of age, social benefits will be assigned directly from the date of application.

Maternity capital in 2018: what will remain unchanged

• The amount of maternity capital this year will remain 453,026 rubles.
• Parents will not be given the opportunity to receive a one-time payment of 25 thousand rubles from the funds of the mother capital, regardless of their financial situation.
• The government of the Russian Federation in the first reading rejected the law allowing the use of state support funds for the purchase of a car.
• The proposal, so sensational in the spring of 2017, about the possibility of receiving an additional payment to the parent capital in the amount of 250 thousand rubles, did not receive its confirmation.
• Also, the proposal for the payment of maternity capital in the amount of 1.5 million rubles at the birth of a third child remains motionless.
• The state support program in the form of a certificate for obtaining maternity capital will not be replaced by monthly payments for children under the age of 18.

This program was launched in 2007 to improve the demographic situation in the country. According to experts, it showed high efficiency, raising the birth rate from 1.42 to 1.77.

At the moment, the question of whether the maternity capital will be extended after 2018 remains unresolved. As well as whether there will be changes in the procedure for receiving funds or their purpose.

At one of the last speeches of D. Medvedev, he noted that from 01.01. it is planned to index payments on maternity capital. After that, according to preliminary estimates, its value will be 471.1 thousand rubles and will continue to increase in subsequent years. This makes it possible to hope that the program will be extended.

Even if the government does not extend this program, all the required funds can be received by families in which the second and subsequent children were born before 31.12.2018.

At the moment, the possibility of extending the state program for 5 years until 2023 is being considered. Such a bill was submitted to parliament by the Ministry of Labor of the Russian Federation, but at the moment it has not been approved. Despite the fact that this proposal received the support of a number of parliamentarians, others also proposed to abandon this program and it will not be extended.

The question was also raised of how to limit the list of families eligible for this type of state. help. Namely, to issue maternity certificates only to low-income families. V.V. Putin did not agree with this proposal and noted that this would change the general meaning of the entire program. He also expressed his intention to extend the duration of the maternity capital program.

It was also proposed to make changes to the program:

• Allow applicants to use a domestic brand;
• Introduce, as a targeted purpose of maternity capital, payment for the necessary treatment for seriously ill children and disabled people, as well as their mothers;
• Issue funds on the basis of a certificate to the hands of citizens;
• Include in the item for improving housing conditions and connection to electrical, water, sewerage and gas communications systems.

At the moment, according to Deputy Prime Minister O. Golodets, the government is actively working on measures of demographic policy. In particular, this concerns measures to support young families and families with children.

Higher education. Orenburg State University (specialization: economics and management at heavy engineering enterprises).
August 8, 2017.

This article is out of date!

Read about all the main changes in the maternity capital program from January 1, 2019 in the following material on our website:

• Compensation of expenses for goods for.

Many people are still wondering if it is possible to shoot in 2018 25 thousand rubles from maternity capital. A definite answer - No... Since 2017, they are not provided from the mother capital.

• A new direction for spending funds has been added - monthly deductions from capital for the birth of a second child after January 1, 2018 (the right is established by federal law No. 418-FZ of 12/28/2017 on monthly payments).
• You can now pay with MSC funds immediately after issuing a certificate, more no need to wait three years after the appearance of the second (next) child.

Certificate amount

As noted above, the amount of the MSC certificate is 453026 rubles... The amount of capital has not changed since January 1, 2015, the next indexation will take place only in 2020, after which the amount of capital will increase to 470241 rubles(according to the draft characteristics of the PFR budget for 2019 and the planning period 2020-2021).

The decision to freeze mother capital was justified by the unstable economic situation in the country. Until 2016, the indexation was carried out every year by the amount of the projected inflation rate. As a result, the amount of the certificate established in 2007 (250,000 rubles) increased by more than 80%.

Annual indexing will resume from January 1, 2020... According to the forecast of the Ministry of Economic Development, in 2020 and 2021 inflation will be 3,8% and 4% respectively. Since these values ​​are significantly lower than the indicators of previous years, the size of MSC will increase by smaller amounts.

What can you spend maternity capital on in 2018?

The recipients of the maternity capital certificate can spend its funds in the following areas:

1. Improving living conditions:
   • or (with the conclusion of a mortgage agreement or not), the purchase of a room is also allowed;
   • or .
2. Children education:
   • receiving paid educational services for educational programs;
   • payment for kindergarten and nursery, as well as other services for the maintenance, supervision and care of children;
   • payment for a hostel during the period of a child's education at a university or other educational organization.
3. Formation mother's funded pension.
4. Receiving compensation for purchased goods for the social adaptation of a disabled child.
5. Monthly payments for 2 children.

According to the law on maternity capital, you can apply to the Pension Fund with an application for disposal 3 years after the appearance of a child in the family, giving the right to issue a certificate. However, to use MSCs in some areas, it is not necessary to wait 3 years, among them:

• Repayment of obligations on loans or borrowings for the purchase or construction of housing. Matkapital can be used to pay the first installment, as well as to pay off the principal and interest on a loan or loan (including mortgage).
• Payment for preschool education of children.
• Monthly payments families in which, starting from January 1, 2018, the second child was born.
• Purchase of goods for social adaptation in the society of disabled children... The funds are provided as compensation for goods and services already paid for (their list was approved by Government decree No. 831-r of April 30, 2016).

Will there be a one-time payment of 25,000 rubles?

In 2017 and 2018, the possibility of providing lump-sum payments from maternity capital even not considered... The one-off payments were introduced to support families during the crisis, which (as officials have repeatedly stated) is considered to be completed in 2016. After that, the Government no longer adopted anti-crisis plans.

The opportunity to receive part of the capital funds in cash was provided to certificate holders 4 times:

• in 2009 and 2010 - 12 thousand rubles each;
• in 2015 - 20 thousand rubles;
• in 2016 - 25 thousand rubles.

This measure of social support was popular with citizens, since the funds received could be used at their own discretion, not only in targeted areas. At the same time, there was no need to provide any reporting on the expenditure of payments. Many parents used this money to collect their children for school.

A conditional alternative to one-time payments can be considered in the amount of a child's living wage. So far, this is the only way to get "real money" from the certificate for the mother capital. A prerequisite for registering social support is that the monthly average per capita income of a family should not exceed the subsistence level for the working-age population in a particular region.

Last changes

Over the past year, several changes have been added to the maternity capital program:

• A new direction for the use of capital has appeared - monthly payments for the second child born after January 1, 2018 (inclusive). This measure of social support does not apply to adopted children. Payments in the amount of a child's subsistence level are provided to parents until the child reaches 1.5 years of age.
• To pay for the maintenance of children in kindergarten or nursery more no need to wait three years after the birth (adoption) of a child giving the right to issue the MSC (clause 6.1 of article 7 of the federal law No. 256-FZ of December 29, 2006)
• Was simplified procedure for entering readings for the purchase of specific goods and services in an individual rehabilitation and habilitation program (IPRA) for children with disabilities. Now it is enough to provide a medical certificate, there is no need to undergo a repeated medical and social examination (according to the decree of the Government of the Russian Federation of January 24, 2018, No. 60).
• The federal law on mother capital was amended on 05.12.2017 No. 372-FZ, thanks to which single fathers and adoptive parents from Crimea and Sevastopol (if the mother of the child died in the period from 01.01.2007 to 18.03.2014) will be able to realize their right to capital.

Also for families in which from January 1, 2018 the second and (or) subsequent child was born, it became possible to issue preferential mortgage at a rate of 6% per annum or even lower (at the discretion of the bank). While this innovation is not directly related to the MSC program, it is significant support for families with children.

Maternity capital in 2019

In 2019, the amount of maternity capital will remain the same - 453026 rubles, no new uses will be added either.

However, some changes will still occur:

• In the fall of 2018, bill No. 517377-7 will be considered, according to which the deadline for making a decision on an application for the issuance of a capital will be reduced from 1 month to 15 days.
• From January 1, 2019, the funds of the matkapital can be legally used for the construction of a house on a garden plot(summer cottage), provided that such housing is not a garden house or outbuilding. The corresponding law No. 217-FZ of July 29, 2017 will enter into force on January 1, 2019.

The maternity or family capital program was launched in 2007. Since this year, the state has been providing material assistance to families in which a second or subsequent child was born during the period of the program.

At the beginning of 2007, when the program was just launched, the amount of maternity capital was 250,000 rubles. Then each year this indicator was indexed in accordance with the established inflation rate. So, in 2015, the value of maternity capital became 453,026 rubles.

Then the indexation was discontinued, as the country's budget “did not pull” due to the economic crisis. To date, the indexation has not resumed, and as of 01.01.2018, the value of the mother capital remained at 453,026 rubles.

This state program is being implemented by the Russian Pension Fund. It is he who is entrusted with the functions of regulating these payments and observing the legality of their use. It is important to understand that this is not cash and it is impossible to cash it out and get some (or all) of the amount in hand. If someone offers to do this, then he is breaking the law. He needs to be held accountable.

Recently, news appeared in the media that a family in which the second child (or subsequent one) was born before the parents turned 35 years old can expect to receive an additional 250 thousand rubles to the maternity capital funds. This is not true! The government does not plan to increase spending in this direction until 2020 at least, and therefore, this news is fake.

The most important question was the termination of this program from the beginning of this year, 2018. This meant that families who gave birth or adopted a second or subsequent child after 2018 would not be able to count on receiving this type of state aid. But at the end of 2017, a decree was signed in which the program was extended until the end of 2,021.

The size of maternity capital in 2018

As already mentioned, maternity capital started at 250,000 rubles, with annual subsequent indexation. How the amount of this type of state aid changed annually can be seen from the table below:

This table shows that over the entire period of the program, the amount of maternity capital increased by almost 81%. The size of the indexation has never matched the size of the annual inflation in the country. Over the current time period, inflation was almost 147%.

Payments for the second child

The maternity capital program implies the birth of a second or subsequent child. Only when this condition is met can the family gain access to these funds. But in 2018, a presidential decree was issued, according to which, families can receive a certain amount of cash from the funds of the mother capital at the birth of a second or subsequent child in the family.

This Decree implies that a family can receive from these funds a monthly allowance in the amount of 10,523 rubles, but at the same time, one important condition must be met! The monthly per capita income in a family should not exceed 1.5 times the subsistence level in the region. The FIU will regulate payments, as before, therefore it is to this state body that documents confirming the right to receive payments must be referred.

To calculate the value of the average per capita income in a particular taken family, it is necessary to take into account all available income. It can be:

• working parent's salary;
• monthly allowance for the child's mother, paid at the place of work until the baby is 1.5 years old;
• monthly allowance to the parent of the child, paid by the social security authorities;
• income from business activities;
• child-student scholarship;
• disability pension;
• child support from a previous marriage;
• other payments and benefits that the family receives.

All documents brought to the FIU must contain information for the last 3 months. Then the family can count on receiving additional payments from maternity capital.

How to get maternity capital

To obtain a certificate confirming the receipt of maternity capital, you must contact the PFR branch at the place of permanent registration of the family in which the second or subsequent child was born or was officially adopted. But since the FIU has not been working with citizens directly for several years now, you need to contact either the MFC or submit documents through the State Service portal.

To obtain a certificate, you must:

• write a corresponding statement;
• to attach a birth certificate or documents on the adoption of the second or subsequent child;
• documents of the previous child / children;
• if the previous children were born in another marriage, then it is necessary to attach the relevant documents.

If all documents are in order, then the application will be considered within 30 days from the date of its submission. The applicant will be notified of the results either by mail or by e-mail. The notification will tell you when you can go to the MFC and pick up the certificate.

Terms of obtaining mat capital

You can use the certificate only when the child turns 3 years old. To do this, you need to write an appropriate application to the FIU. It is imperative to indicate for what purpose the family wants to receive these funds.

Applications are reviewed 2 times a year - until July and until the end of December. Therefore, you need to submit an application:

• from January to April;
• from July to October.

What can you spend mate capital on?

The maternity capital has clearly defined purposes for which this money can be spent. Inappropriate use of funds is prohibited! The state has determined the following purposes for the use of capital funds:

• improving the living conditions of the family. This can be buying an apartment or house on a mortgage, building your own house or buying building materials to build a house;
• payment for a child's education at a university, college, private school or preschool institution, both public and private;
• payment for the services of a nanny hired in a licensed organization;
• transfer of funds to the mother's funded pension;
• purchase of necessary things for a disabled child or other necessary means for his adaptation in society.

Mortgage

One of the most frequently used areas of the maternity capital program is a mortgage. For Moscow and other large cities, this is a small amount, but it is often used as a down payment for the purchase of an apartment. Many banks issue mortgage loans against maternity capital. If the family has the amount to pay the down payment, then the certificate is best used to repay the main "body" of the loan. This will significantly reduce the amount of the monthly payment.

For other regions, the amount of more than 450 thousand is quite impressive. You can buy a one-room apartment on it, and the bank loan will not be very large. Therefore, it is more profitable to use materkapital funds in regions where the cost of housing is much lower than in the capital.

Therefore, maternity capital funds can be used as follows:

• make as a down payment for a mortgage loan;
• to pay with these funds part of the principal debt, significantly reducing the amount of the monthly payment.

To receive funds, you must contact the bank, which will act as a lender. It is he who will act as an intermediary with the bank. However, you will have to wait until the FIU approves the application and transfers the funds to the bank account. This usually takes about two months.

Building a house

This is also one of the ways to expand the living space of the family, therefore the Government allows the use of funds in this way. But it will not be possible to cash out even the smallest part of the funds. To receive funds to build a house, you need to sign an agreement with a contractor that will build a house for the family. Then this organization will receive funds from the PRF.

Another option is to build a house with your own hands, and take a bank loan to buy materials and hire narrow specialists. Then it will be possible to pay off funds from the mother capital. The loan should have a target value - namely, the construction of your own house for individual housing construction. If you just take a consumer loan, then you will not be able to repay it with maternity capital funds. Although consumer loans are much cheaper.

Automobile

The possibility of using state aid funds to buy a car or repay a car loan has been discussed for a long time. Since this is still family capital, when using funds to buy a car, it became necessary to register it in the common shared property of both parents and all children in the family. And these are certain difficulties in its further sale.

In addition, during the discussion, various restrictions were considered when buying a car through materkapital funds:

• the car does not have to be a passenger car. It could be a minivan or a truck. Then why register it with the children;
• its resale was prohibited for a certain period of time. The family had to “enjoy” the ownership of this vehicle;
• the car had to be produced in the country. That is, it is either a domestic car, or a foreign car of a domestic assembly);
• funds can be allocated only for the purchase of a new car, you cannot buy a used one.

However, for several years in the regions there is a program of "regional maternity capital". Its amount is much less, and the range of purposes of use is somewhat wider. With this money, you can buy a car in the regions. And as practice shows, in the regions these funds are often used to buy a car or to repay a car loan. At the federal level, this program is not approved.

Education

Another popular use of maternity capital funds is teaching children. Funds are transferred to the account of the training organization. It doesn't have to be a university. It can be a college, technical school and kindergarten, both public and private.

To transfer funds to the account of an educational organization, an agreement is required, which specifies the amount of study or stay for a certain period.

For example, when you deposit funds for paying for tuition at a university, the agreement states that the fee is charged per semester, less often per year of study. To use the entire amount of funds or only a part of it, you need to contact the Pension Fund of Russia (if we are talking about regional capital, then to social protection), and write an appropriate application, and attach to it a training agreement and a certificate that the child is successfully studying. Then the funds will be transferred.

Pension

One of the purposes of using funds from maternity capital is the formation of the mother's future pension. Funds, all or only a part, can be put on the funded part. To do this, you need to write an application to the Pension Fund and attach to it an agreement with the Pension Fund itself or with an NPF. Then the funds will be directed to the mother's personal savings account.

When a woman retires on an old age pension, she will be able to add her previously invested money to her pension. In addition, during the period while the amount is kept on a personal account with an NPF, these funds will "grow" with interest. Therefore, it can be considered a profitable investment in your old age.

Earth

It is impossible to buy an empty piece of land on which there is not a single building with maternity capital funds. The fact is that the purchase of land is not an improvement in the living conditions of the family, therefore the funds cannot be used for this purpose.

But as mentioned above, funds can be invested in building a house on a plot that already belongs to the family as property. For example, a large family receives a plot of land under the state program of assistance to large families. This family probably already has maternity capital. You can build a house for the whole family on it. In this case, the house should be designed for year-round housing.

Dacha

It is also impossible to buy a dacha. The fact is that a dacha means living in a house only in the summer. There are no communications at the summer cottage, the house is not intended for living in it all year round, and the purpose of the land does not comply with the rules.

It is possible to invest in construction only if the land under the future house is intended for individual housing construction. Summer cottages are not intended for this.

Get cash from maternity capital

Any cashing of maternity capital funds is fraudulent and punishable by law. Therefore, it is impossible to receive the entire amount in cash.

In the midst of the economic crisis in 2015 and 2016, the government developed an anti-crisis measure to help families with children who have received a maternity capital certificate. The measure was to enable these families to receive a lump sum from this capital.

The amount of payments in 2015 and 2016 amounted to 20 and 25 thousand rubles, respectively. More than 2 million families were able to exercise this right. According to the FIU reports, most payments were made in the summer of 2015 and 2016. That is, this money helped families prepare their children for school.

In 2017, as soon as the country's economy began to level out, this aid measure was canceled. Some families "by inertia" were going to write an application for a lump sum payment, but the Government did not extend this anti-crisis program.

Therefore, neither in 2017 nor in 2018 lump-sum payments from maternity capital funds will be made. Any attempt to obtain cash using this certificate is fraudulent. The punishment for such actions is spelled out in the Criminal Code of the Russian Federation. This is important to know!