Terms of registration and receipt of maternity capital: the latest news. Terms of registration and receipt of maternity capital: latest news Maternity capital will be extended until the end
In modern economic conditions, not all Russians dare to have a second or third baby. It is not difficult to explain this - even a child who is desired and loved brings not only immeasurable happiness to the family, but also numerous chores. Responsible parents want to provide him with a happy childhood with the best toys, a stroller, clothes and food, a joyful adolescence with creative circles and a good school, a carefree youth with an education at a prestigious university ...
Alas, not all Russian citizens can afford such financial costs. Of course, one can hope for help from the state - the family in which he appeared has the right to additional benefits and funding from the budget. Moreover, starting from the appearance, moms and dads are also entitled to additional incentive payments. And the main of such payments for a long time was maternity capital.
Maternity capital is the most solid one on the territory of the Russian Federation
This is a significant amount, upon receipt of which you can improve the living conditions of the family, give the child a good education or in the future provide mommy with a decent pension. However, each year in the implementation of this program runs the risk of becoming the last - the situation with the budget is becoming more critical, and the country's financial reserves are already practically depleted. Let's find out if the mother capital program will continue in 2019, and find out how much new parents can expect.
Who can apply for the issuance of the capital?
Those Russians who have become the mother and father of the second or third baby can register as a participant in the program and receive a mother capital. Legal representatives of the child can also apply for such payment. At the same time, parents or guardians receive not cash, but a certificate that guarantees the payment of the amount prescribed in it.
Will maternal nourishment be extended for 2019?
Prolongation of the program has repeatedly become the subject of lively government discussions. In conditions when the budget is closed annually with a deficit, and the crisis is forcing the curtailment of an increasing number of social programs, some members of the government proposed to end the program of payments of materiel. Nevertheless, the majority of the people's deputies voted to leave the payment. Otherwise, Russian families would have no incentive to give birth to a second and subsequent babies.
It's no secret that the current situation in the country threatens the Russians with another demographic hole. The President of the Russian Federation also drew attention to this - he said that over the entire period of the materkapital program, the state has helped more than six million Russian families. In addition, Russians who were born during the period of the lowest fertility rate will reach the age suitable for marriage and childbearing by 2019. By depriving people of payments, you can aggravate the demoraphic situation in the country even more.
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According to the most populist statements of the deputies, after the birth of their third child, it would be worth paying the parents 1.5 million rubles. Unfortunately, this initiative was recognized as unrealizable - no financial reserves of the Russian Federation today are able to pull such significant costs.
Some deputies suggested that the government find funds to index maternity capital. They demanded to increase funding for families by 6% and 5.1% in the next few years, that is, to raise the amount of maternity capital to the level of 480 and 505 thousand rubles, respectively. But there were no budgetary opportunities for this initiative either.
As a result, the only good news for the parents was the bill, according to which the materkapital payment program was extended until December 31, 2021, albeit frozen. To date, to implement this initiative, amendments have been made to the country's main financial document - for 2019, the budget allocated 311 billion rubles, which will be paid to parents, and in 2020 - another 292 billion.
As before, in 2019 the amount of maternity capital will be 453,000 rubles. However, the prolongation of the program was to be expected - the elections are approaching, and because of this, the authorities do not want to make unpopular decisions so as not to lose the support of part of the electorate. As before, parents should apply to the Pension Fund to obtain maternity capital.
For what purposes can the payment be applied?
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It must be said that new rules have come into force regulating the possibility of using maternity capital. Now this money can be used in five ways:
- to buy new or modernize old housing so that the family can feel comfortable after the birth of the baby;
- to pay for educational services. Previously, the law allowed the use of the certificate from the moment the baby turns 3 years old until he celebrates his twenty-fifth birthday. Now you can pay from maternity capital for the services of early development, socialization and correction centers as soon as the baby is two months old;
- to pay for the needs of the child - we are talking about families that are classified as low-income. Parents will be able to withdraw money from the account equal to the child's subsistence minimum;
- to finance education, as well as to pay for adaptation measures for children with disabilities;
- on the formation of a funded pension for the baby's mother.
The maternal family capital program, with all its possible shortcomings, really works. At a minimum, it allows many families to partially resolve the issue of their own housing. In other cases, the money that the state provides for the birth of a second child helps to solve other problems.
Under the program, payments are due to families with a second or more child. For those families who will have their first child in 2019, the receipt of material assistance will not be carried out.
There are no restrictions on the number of times a woman can receive maternity capital, that is, if a woman has received such assistance many times, this cannot become a reason for refusal.
A special situation arises for those who become parents of twins, triplets, and so on. Despite the number of offspring already existing in the family and regardless of the number of children born at a time, multiple births give the right to receive only one amount of maternity capital.
The category of citizens applying for maternity capital includes those who have officially adopted or adopted children. But the adopted child, just like in the case of relatives, must be at least the second in the family.
Despite the fact that the program was launched in 2006 for a period of 10 years, its duration was extended by a special federal law until December 31, 2018.
There is no official decision on maternity capital after the end of this period and the onset of 2019. But the country's government evaluates the results of the program extremely positively, declaring its positive impact on the demographic situation in the country and noting the increase in the birth rate associated with the program in most regions of Russia. Therefore, the overwhelming number of experts in this field say that there is a great chance for another extension of such funding for parents who decide to increase the number of younger family members.
One of the sore points that relate to the topic of family capital is the amount that the state provides under this program.
After the mother capital program appeared, its amount was constantly growing. Indexations were carried out once a year, and the initial 250 thousand rubles, which were established in 2007, increased to more than 450 thousand by 2015.
The economic problems that befell Russia in 2014 forced the state to save on everything. One of the saving measures was the freezing of the amount of mother capital. If in 2015 the family capital was indexed, then from 2016 to 2018 there was no increase. It will not be in 2019 either.
The amount of maternity capital in 2019 is the same - 453,026 rubles.
This news, by the way, is of interest not only to those who are just planning to receive a certificate for mother capital next year. It also affects those who already have such a certificate. Any indexation of maternity capital means an indexation of the remaining funds for anyone who has such a document and some unspent money allocated by the state under this program.
The nearest indexation of maternal family capital is planned for 2020. Its amount will rise to 470,241 rubles.
It is not worth waiting for major changes in the program, they are not planned. All relatively significant innovations have come into force since the beginning of 2018. They, among other things, became a pre-election maneuver before the election of Vladimir Putin for another term. On the eve of 2019, there is no special need to “placate” people in power.
However, this does not mean that there will be no changes in the mother capital program at all.
First, an amendment to the legislation is being prepared, thanks to which the certificate will be issued faster. Today, the Pension Fund of Russia has one month at its disposal to give a response to the family on the submitted application with a request to provide maternity capital. The FIU can give a positive or negative answer during this period. According to the amendments, the response time will be cut exactly by half - to 15 days.
In practice, this is not always necessary. The fact is that in most cases it is possible to dispose of maternity capital funds only when the child turns three years old, whose birth gave the right to receive a certificate. However, in some situations, the law allows you to dispose of the mother capital immediately (for example, when it comes to a mortgage or the purchase of babysitting services). In such situations, the gain of two weeks can be substantial.
The second innovation is quite important, although it does not directly relate to the mother capital. The fact is that from the beginning of 2019, a new law on summer residents and gardeners begins to work. Under this law, horticultural associations automatically become places where individual housing construction is allowed. This means that within the framework of the mother capital program, you can now purchase or build your own house on the territory of the garden partnership.
The recipients of the maternity capital certificate can spend its funds in the following areas:
- Improving living conditions:
- buying an apartment or house (with the conclusion of a mortgage agreement or not), it is also allowed to buy a room;
- building or renovating a house.
- 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.
- Formation of the mother's funded pension.
- Receiving compensation for purchased goods for the social adaptation of a disabled child.
- 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 to families in which, starting January 1, 2018, a 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).
In 2017 and 2018, the possibility of providing lump-sum payments from maternity capital was not even 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 monthly payments for the second child in the amount of the 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 minimum for the working-age population in a particular region.
Maternity capital is money that is issued for the birth of the second, third and subsequent babies. Those who have adopted or adopted a child will also be able to receive maternity capital. But the adopted child must be at least the second in the family. Funds are issued in the form of a certificate, which can later be used for some needs.
Maternity capital is a way to increase demographics in the Russian Federation. Every year, the method of obtaining, the conditions and the target direction of maternity capital is revised.
Maternity capital began to be issued in 2007. And for eight years, the amount was indexed. Since 2016, the increase in the amount of financial capital has been suspended until 2020.
Maternity capital in 2019
From January 1, 2019, a number of changes will come into force in the procedure for registering maternity capital.
Employees of the Pension Fund approve applications within one calendar month, and money is credited to the account no later than 10 days from the date of approval of the application. This is not very convenient for those who buy real estate, since not all sellers want to wait that long for the receipt of money. And therefore, they want to cut the period for issuing maternity capital by exactly half from 2019. This was stated by D. Topilin. It is still being decided and whether it will come into force is unknown.
Who is eligible to receive a certificate?
Families in which the second, third or subsequent babies are born receive a certificate for maternity capital. Those who have adopted or adopted children will also be able to receive a certificate. The child must be at least the second in the family.
A certificate for maternity capital can be obtained only once in a lifetime!
Some citizens claim that a certificate is issued for every child born, but this is a misconception. If the certificate was not received immediately after the birth of the second child, then it can be obtained when the child reaches the age of majority or after the birth of the third baby.
The size of maternity capital is increasing every year. For example, in 2015 the amount of financial capital was 250 thousand rubles, and in 2018 the amount is 453,026 rubles.
Documents for obtaining maternity capital
To obtain a certificate for maternity capital, you need to collect documents and submit them to the Pension Fund or the MFC.
List of documents:
- Completed application
- Applicant's passport and SNILS
- Birth certificates of children
- SNILS children.
After submitting the documents, they will be reviewed by employees of the Pension Fund within a month. After consideration, you can get a certificate in your hands. You can use the certificate after the child reaches the age of three, with the exception of a mortgage loan.
What can the maternity capital be used for??
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You can use maternity capital for the following purposes:
- Buying a home
- Building or expanding a house
- Cumulative part of the mother's pension
- Studying at a licensed educational institution
- Down payment on mortgage
- Mortgage repayment
Will the size of maternity capital increase?
In the coming years, the amount of maternity capital is likely to remain unchanged. At the moment, the amount of capital is 453,026 rubles. And according to some reports, in 2019 the amount will remain unchanged.
According to Dmitry Medvedev, which he announced in September 2018 at a government meeting, maternity capital will increase to 489,000 rubles in 2021. He also said that the budget has already allocated money for the indexation of financial capital.
Maternity capital - latest news
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The Maternity Capital Program has become one of the most effective measures of state support for families with children. Since the start of the maternity capital program, the number of certificates issued to Russian families has reached 8.7 million. The amount of funds allocated under the program has exceeded 2.17 trillion rubles.
According to Tatyana Golikova, now the situation with the birth rate is not developing in the best way, which was predicted. This is due to yet another demographic failure.
That is why the efforts of the authorities are aimed at supporting this program.
“I do not want to anticipate events, but I think that with a high degree of probability this program will be extended,” Golikova said.
On December 29, the President of the Russian Federation signed a law extending the maternity capital program until 2021. Now the maternity capital funds can be used for the education of children from the moment the second, third and subsequent children are born.
2 new possibilities were introduced for using the certificate:
- these are monthly cash payments from maternity capital in the amount of about 10,000 rubles (the size of the subsistence minimum in Russia) for the second or subsequent child under the age of 1.5 years
- the right to use the certificate, without waiting 3 years, for the maintenance of a child in a nursery or kindergarten.
Now, to register the rights to maternity capital, you need to spend about a month. This is how long the procedure for checking the submitted documents in the Pension Fund takes. But already in the fall of 2018, a bill was considered, on the basis of which this period will be reduced. And the application for the issuance of the corresponding certificate will be checked no more than 15 days.
Maternity capital in 2019 is provided in accordance with the new Federal Law No. 418. The law specifies the amount of state benefits equal to 453 thousand rubles. The funds are allocated to families with two children and parents of large families who had children in the period 01.01.2007-31.12.2021. You can get money for a maternity certificate for the purposes established by law. The legislator regularly expands the scope of the legal application of the allocated funds and simplifies the scheme for obtaining material support.
Changes in 2019
One of the positive innovations is the receipt of monthly cash before the child is 1.5 years old. It will become easier for parents in material terms at the initial stage of raising a child. The decision was made at the numerous requests of interested citizens, it is valid for the date of birth of the baby after 01.01.2019.
Major amendments to current regulations:
- the upper bar by date of birth has been raised until the end of 2021;
- the right to receive cash on a monthly basis is possible at 1.5 minimum wages per family. The money is provided for the maintenance of children under 1.5 years old;
- the order of using the certificate.
The restrictions on some areas of application of parental funds have been removed. The rights of parents have been expanded and the procedure for paying maternity capital has been simplified.
Starting this year, the following features have appeared:
- preschool education from birth. For example, you can pay for babysitting services, confirmed by documents;
- restrictions on the choice and payment of school education have been lifted. If a student visits a non-state institution, this does not serve as a reason for refusing to withdraw funds.
A one-time benefit in the amount of 25 thousand rubles from the money of the maternity certificate has been canceled since 2019.
The certificate is issued in the amount of 453,026 rubles, the size is the same for all recipients. The supplement for women who gave birth to children under 35 was canceled and ceased to be valid. The money that can be cashed from a certificate for a child under 1.5 years old is different in each case. Payments depend on the average monthly income of a family living in a particular region. For the current year, the data for the 2nd quarter are taken into account. 2017 On average, the amount of the benefit is about 10 thousand rubles for most federal subjects.
Payments are provided to citizens who applied to the FIU and confirmed their rights to monthly deductions. You will need to provide proof of income for the last year, including financial receipts of all family members. The list of funds taken into account when assigning state support has been approved by the government. If desired, the list can be found at the PFR branch at the place of residence. Most of the compensation payments are not taken into account in the total amount of the family income.
Maternity capital: requirements for the applicant
You can apply to the Pension Fund for the certificate owed at a convenient time before the age of majority of the children. Parents who meet the following requirements can receive government support:
- the child was born in the period 2007-2021;
- the mother and child have Russian citizenship;
- the family is registered on the territory of the Russian Federation.
For a monthly benefit, additional requirements will be required:
- the second or subsequent child is under 1.5 years of age;
- the income statement confirms the coefficient of 1.5 minimum wages in the given territory. The calculation is based on the figures for the previous year.
The listed requirements must be supported by documents, relevant information is accepted for verification. In doubtful situations, the registration of maternity capital is postponed until the controversial points are clarified. For example, the applicant's passport may expire; after the restoration of its legal significance, the document is accepted for consideration.
After the birth of the child and the receipt of administrative documents, the mother can contact the MFC or the FIU. In both cases, a package of documents is required:
- applicant's passport;
- testimonies of all children born and brought up;
- SNILS of the whole family;
- Marriage certificate.
If we are talking about adoptive parents, then documents on adoption (adoption) are attached. The father can claim his rights in the cases prescribed by law. Maternity capital is issued to the father if the mother is not alive, she is deprived of her rights or is an incapacitated citizen. Applicants can apply in person, by mail, or by submitting data online through government services. After checking for the certificate, you will need to appear in person at the PFR branch at the place of registration of the recipient.
Employees of the pension service are given three months to rigorously check the submitted package of documents. Obtaining a certificate is allowed to be obtained by a legal representative who has confirmed authority. If during the verification questionable information is revealed, then the applicant will be asked to enlighten this moment. The obtained certificate is a legal document of strict accountability. In case of damage or loss of the document, at the request of the owner, a duplicate is issued.
At the request of the mother, the opportunity to receive benefits from the amount of maternity capital is provided. You will need to provide a certificate of income for the previous year from the employer of the father and mother. Employees will make a calculation, based on the results, they will respond to the possibility of receiving funds.
The special conditions are as follows:
- the child's age up to 6 months at the time of contact will allow you to receive accruals starting from the moment of birth;
- after six months, the money is transferred from the date of application.
This approach is due to the fact that the mother is extremely busy in the first months after giving birth. Payments are not automatically assigned, the owner of the certificate must prove and declare his right. If it is impossible (income is more than 1.5 minimum wages) or there is no desire to receive financial support immediately after childbirth, the amount secured by the certificate will remain unchanged.
What to spend maternity capital on
The rules of use have remained the same, the scope of children's expenses for education and medical services has expanded. The debate over the purchase of a family car has not received a positive decision.
The directions for the use of funds have been determined:
- purchase of living space;
- study and educational goals;
- rehabilitation measures for disabled people;
- pension for the mother.
Participants of the program are given the opportunity to independently choose the optimal goals. Many families spend their children's capital to buy an apartment or overhaul the existing space. The program provides options for the acquisition of capital real estate, a land plot cannot be purchased with the allocated money. Maternity capital can be spent on paying off mortgage interest, the first installment on a mortgage on a new building.
There is an order: employees check the submitted object, control the transaction. After the conclusion of the contract and registration of the transaction in Rosreestr, the money is transferred to the seller. The phrase "buy / sell for maternity capital" has become commonplace, the scheme has been worked out and transparent for execution. The acquisition of a mortgage object in a new building is possible taking into account maternity funds. Most banks meet halfway to families with children and conclude deals on the acquisition of a capital object.
State funds can be used to educate all children in the family. You can pay off the tuition fees from kindergarten to institute at the request of the owner of the certificate. Money is transferred to an educational institution by non-cash payments upon application to the FIU. Restriction: the organization must be located in the country and have the appropriate licenses. An agreement is concluded for the provision of pedagogical services, after the approval of the controlling department of the PFR, transfers begin.
The funded pension for the mother will be increased by the amount of the allocated state aid. When a woman retires, she can count on an increase in her pension savings. Having a child with a disability can spend money on treatment and rehabilitation. Maternity funds are spent on any child of the family; supporting payment documents are provided to the fund.
Receipts and checks allow you to cash out this amount from software. The rules apply to an adopted child with a disability if there are two or more children in the family. Several minors with disabilities will be able to receive individual financial assistance if they are medically indicated.
Using illegal methods of cashing will lead to criminal prosecution. A legal scheme is the following possibility: take a bank loan for the purchase of living space and close the obligations with the money of the certificate. If the size of the loan is equal to or less than public money, then a transparent and legal scheme will solve the family's housing problems.
Options with the purchase of a property at a fictitious price are calculated by government officials. The woman is deprived of her certificate and held accountable. Employees have the right to monitor a suspicious transaction, go to the place of purchase. It is recommended to renovate the dwelling, purchase a holiday home for the family, or take the necessary action. You shouldn't go against the law, money has a purpose. You cannot legally receive cash, you should remember the requirement not to violate the order of the federal program.
How to get maternity capital in 2019?
As in the previous year, it is 453026 rubles... The next indexing will take place only in 2020, as a result, the amount of the certificate for the mother capital will be 470241 ruble(this value follows from the draft characteristics of the budget of the Pension Fund). The program itself will operate at least until December 31, 2021.
The conditions for registration of maternity (family) capital (MSC) remained the same. Families in which from January 1, 2007 the second or subsequent child was born (adopted). In 2019, the addition of new ones is also not expected, the last time the list of ways to spend MSC funds was expanded in 2018.
However, some were included in the program. Since 2019, families can legally use matkapital to pay for the construction of a dwelling. on garden (formerly suburban) land plots... Also on March 18, 2019, Law No. 37-FZ was signed, aimed at spending maternity capital.
Will matcapital be indexed?
The maternity capital program assumes an annual indexation of the amount of the certificate by the amount of the projected inflation rate. This condition has been fulfilled since 2007, until the mother capital was frozen. in 2016 Since then, the amount of capital has remained unchanged. This decision of the Government was justified by the unstable economy of the country.
The next indexing will happen in 2020... For the first time this became known in June 2017, when Dmitry Medvedev at a government meeting promised to increase the maternity capital. Then, in November 2017, Vladimir Putin announced the extension of the maternity capital program until December 31, 2021.
From January 1, 2020, the annual indexing will be resumed. According to the forecast of the Ministry of Economic Development, in 2020 inflation will be 3,8% , in 2021 - 4% ... Since this level is significantly lower than in previous years, the size of the MSC certificate will not increase as noticeably.
The size of maternity capital in 2019
As noted above, in 2019 the amount of capital amounted to 453026 rubles... In 2020, the amount of the certificate after indexation will increase up to 470 thousand rubles, which was first reported by the RBC news agency, referring to the draft main characteristics of the PFR budget for 2019, as well as the planning period for 2020 and 2021.
The resumption of indexing was later confirmed by Tatyana Golikova, speaking at a meeting of the commission on social and labor relations on July 24, 2018. The Vice Premier said that the annual increase in the amount of the certificate for the capital is an integral part of the national project "Demography". However, no specific figures on the amount of capital were announced, since these values may still be adjusted in 2019.
Below is a table of the size of maternity capital in different years
Year | The size of the maternity capital, rubles | Indexation,% | Inflation,% |
---|---|---|---|
2007 | 250000 | — | 11,9 |
2008 | 276250 | 10,5 | 13,3 |
2009 | 312163 | 13 | 8,8 |
2010 | 343379 | 10 | 8,8 |
2011 | 365698 | 6,5 | 6,1 |
2012 | 387640 | 6 | 6,6 |
2013 | 408961 | 5,5 | 6,5 |
2014 | 429409 | 5 | 11,4 |
2015 | 453026 | 5,5 | 12,9 |
2016 | 453026 | 0 | 5,4 |
2017 | 453026 | 0 | 2,5 |
2018 | 453026 | 0 | 3.1 (forecast) |
2019 | 453026 | 0 | 4.3 (forecast) |
2020 | 470241 | 3.8 (forecast) | 3.8 (forecast) |
2021 | 489051 | 4 (forecast) | 4 (forecast) |
What can you spend maternity capital on in 2019?
In 2019, the directions for the use of matkapital have not changed. As before, the means of the certificate can be used for the following purposes:
- , including preschool;
- compensation for spending on the purchase of funds for;
- in a family born after January 1, 2018.
You can apply to the Pension Fund with an application for the order three years later after the birth or adoption of a child, giving the right to womb capital. However, to use capital in some areas, it is not necessary to wait three years, among them:
- Improving living conditions using credit funds:
- when applying for a loan (loan), including a mortgage;
- repayment of the principal debt;
- payment of interest on a loan (loan).
- Payment for preschool education as well as childcare and childcare services.
- Monthly payments from MSC for the second child. However, only those families in which the second child was born, starting from January 1, 2018, will be able to issue this measure of social support, provided that the monthly average per capita income of such a family does not exceed one and a half times the subsistence level for the able-bodied population (one is set for each).
- Purchase of goods and payment for services for social adaptation of disabled children... The funds from the certificate can only be used to compensate for the costs of already purchased goods and services; their list is presented in the Government's order No. 831-r of April 30, 2016.
Changes and latest news
In 2019, no significant changes are expected in the maternity capital program. The conditions for issuing the certificate and the permitted directions for using the MSC remained the same.
However, on January 1, 2019, Law No. 217-FZ of July 29, 2017 on the conduct of truck farming and gardening for own needs came into force, which introduces several important changes:
- the concept of "dacha" is abolished at the legislative level;
- will become possible on a garden plot, if such a structure is not a garden house or an outbuilding.
In addition, the following changes in the management of funds certificate:
- Matcapital is no longer allowed to be used to repay loans issued by "other" organizations, that is, those whose activities are not controlled by the Bank of Russia (the new provisions of the law apply only to those citizens who entered into a loan agreement after the entry into force of this law). However, the list of organizations where it is allowed to take out loans included DOM.RF JSC and agricultural credit consumer cooperatives.
- The dwelling for the acquisition of which the family capital is used must be recognized as suitable for living. The rules for recognizing the premises as residential were approved by the Decree of the Government of Russia No. 47 dated January 28, 2006.
- When sending the capital for the construction of a house, now instead of a building permit, you can provide a notification (specified in clause 2 of part 7 of article 51.1 of the Urban Planning Code of the Russian Federation) issued to the recipient of the certificate or his spouse.
The absence of significant changes in the matcapital program in 2019 is largely due to a large number of innovations in 2018:
- the introduction of monthly payments for the second child until he turns one and a half years;
- added the ability to pay for the preschool education of children without waiting three years from the moment the right to maternity capital arises;
- extension of maternity capital until 2021 inclusive.
It also came into effect for families in which, starting from January 1, 2018, a second and (or) subsequent child appeared. Now parents can get a mortgage or a loan at a preferential rate - 6% per annum(at its discretion, the bank may offer a lower rate). Although this measure of social support is not directly related to maternity capital, recipients of MSCs are its participants.