How to manage maternity capital: current guide for 2021

In 2021, registration of maternity capital is simplified as much as possible and in most cases occurs automatically. At the birth of 1 or 2 children, documents for maternity capital are transferred to the Pension Fund of the Russian Federation by the civil registry office, after which a certificate is issued in a proactive (non-declaration) manner. Moreover, from April 2021, the document is issued only in electronic form - it is no longer required on paper. The management of funds from year to year is also simplified.

Thus, the maternity capital program is increasingly moving online. This requires less paperwork and time. Now parents can view the certificate in electronic form and, if necessary, find out the balance of funds. Even those parents who at one time received the document in paper form. This can be done on the Pension Fund website or on State Services.

To receive maternity capital and use the funds, the mother no longer needs to contact directly with employees of the Pension Fund (this is still necessary only in some cases). Almost everything in 2021 can be done independently via the Internet.

The certificate is issued automatically and only in electronic form. It is always available to mom on the Internet. Documents for the mat. The capital for a newborn is submitted to the Pension Fund by the civil registry office; an application from the mother is not required.
You must submit documents for an adopted child yourself to the Pension Fund, but this can be done electronically.

You also do not need a paper certificate to manage funds. Data can be extracted from an electronic document.

You can get an extract on the balance of maternity capital online.

Let us recall that the maternal (family) capital program (MSC) is valid in Russia from 2007 to 2026 inclusive. Initially, documents were issued only in paper form - the certificate was issued on a state-issued form with several degrees of protection. However, every year they try to simplify the process of registering maternity capital. In 2018, for the first time, it became possible to obtain an electronic certificate - then you could still choose in what form the document should be drawn up - paper or electronic. Now there is no such choice, the certificate is issued only electronically and is not issued on paper (but if something happens, it can be printed).

How it works

Maternity capital is a one-time assistance from the state to families who have a child or who have adopted a child. The payment amount is indexed every year. This year, parents will receive 616,617 rubles for their child.

Read on the topic: Matkapital 2021: who and how much will be able to receive at the birth of children

Matkapital is not cash, but a certificate for financial assistance. The certificate cannot be cashed, although there are situations when you can receive part of the amount in cash. Maternity capital can only be spent on certain purposes; you will not be able to manage the money at your own will. The family chooses where to spend the help, and the Pension Fund transfers the money to its destination. For example, to the bank for a down payment on a mortgage or to the education department to pay for kindergarten.

Matkapital is federal assistance, but regions can assign additional payments to parents. This is called regional maternity capital. The amount is determined by the regional administration. For example, in Primorye in 2021, mothers will receive 139,900 rubles, and in the Rostov region - 121,287 rubles. You can find out the amount on the official website of the regional administration, the social protection department, the Pension Fund or the MFC.

Unused capital or its balance is indexed annually. There is no need to pay personal income tax on maternity capital.

How to get a certificate

The Russian Pension Fund is responsible for issuing certificates and organizing the entire process, but from 2021 this is no longer so important. If previously the mother had to personally contact the Pension Fund office and receive a paper certificate there, now everything is extremely simplified:

after the birth of a child, this fact is registered in the registry office;
The civil registry office sends data about this to the Pension Fund through its system;
The Pension Fund of Russia, having received the data (including SNILS), issues a certificate within 15 calendar days;
the parent will receive a certificate in the user’s personal account on the State Services portal.

Only if for some reason the certificate was not issued without application

, the mother should contact the Pension Fund with an application. This can be done directly at the State Services by filling out a simple form (you only need to enter information about the child), or by contacting the Pension Fund or MFC in person.

In addition, maternity capital certificates have already been converted into electronic document format

. That is, what will come to your personal account at State Services is a certificate.

Who can receive maternity capital

Maternity capital is issued for children born or adopted. The right to maternal capital is valid from January 1, 2007 - if the child was born or adopted earlier, then it will not be possible to receive maternal capital. Here's who can qualify for government assistance:

Mother
- if she is a Russian citizen and has not been deprived of parental rights.
Father
- if the child’s mother died or was deprived of parental rights. The father's nationality does not matter.
Adoptive parent
- if he is a citizen of Russia and the child was adopted no earlier than January 1, 2007. Maternal capital will also be issued for the first adopted child if the court decision on adoption came into force on January 1, 2021.
The child himself
- if the parents or adoptive parents have died or been deprived of parental rights. The child must be a citizen of Russia, although he can live in another country. If the child is an adult, he himself submits an application for maternity capital; if not, the guardianship authorities do this for him.

Other relatives and guardians are not entitled to maternity capital.

What does a maternity capital certificate look like: photos of state and regional documents

The document is standard and contains the following mandatory details.

The country (Russian Federation) is indicated at the top center.
The line below indicates the name of the document - “state certificate for maternity (family) capital.”
On the next line, the series is indicated on the left, and the documentation number on the right.
Next, the full name of the recipient is displayed (most often the mother of the child acts in his role), and the right to issue state support is also indicated.
A little lower is written the amount in which the funds are provided.
Name of the authority that issued the document.
Signatures of the parties, date.

Samples of state and regional certificates:

Where can you send maternity capital?

The law strictly defines the purposes for which maternity capital can be spent. These are education, a funded pension for the mother, improved housing conditions, monthly payments for low-income families, and goods and services for the adaptation of disabled children. You cannot buy a car, building materials or pay for an operation.

You can choose one direction or distribute maternity capital for different purposes - the law allows this. For example, leave part of it for a funded pension, send part to pay for the child’s education, and send part to improve living conditions. You can change your goals at any time until all your capital has been used.

An application for the distribution of maternal capital funds is submitted to the Pension Fund. You can do it in person, then the form will be issued at the branch, or through the official website of the Pension Fund or State Services. True, you will still need to come to the Pension Fund office with your passport and SNILS within five days after submitting your application online and sign the documents.

Sample of filling out an application for disposal of maternal capital

A few figures about maternity capital

Maternity (family) capital is a government program aimed at solving the demographic problem in Russia. Since 2007, the state began to allocate a certain amount to families in which a second child was born.

As a result, the program turned out to be so popular and effective that it has already been extended three times - first until 2021 instead of 2016, then until 2021, and recently until 2026 (and, they say, will eventually make it permanent).

And, indeed, maternity capital has touched almost every family in Russia in one way or another:

In total, more than 10 million capital certificates were issued;
the total amount of expenses under the program is 2.9 trillion rubles (for comparison, the annual volume of the federal budget is about 23 trillion);
93% of the total amount is spent on improving living conditions;
scientists highly appreciate the effectiveness of the program - in the first 10 years, thanks to maternal capital, the birth rate increased by 20-25%;
the decline in the birth rate in 2018-2019 could be associated with the unclear prospects of the maternity capital program, which was eventually extended.

Pay for education

You can pay for a kindergarten, school or university, pay for clubs, courses, developmental programs and the child’s accommodation in a hostel. In this case, it does not matter which child “helped” to receive maternity capital - the money can be spent on any child in the family or on several at once. For example, a third child was born in a family, the second is still in school, and the first is already entering college. The mother can pay for the school activities of the second child and pay for university tuition and hostel fees for the first.

If the child is an adult, then you can use the money until he is 25 years old. After this age, you won’t be able to get maternity capital; it will “burn out.”

Required conditions:

the educational institution must be located on the territory of Russia, have a license to provide educational services and be a legal entity - private institutions and individual entrepreneurs are not suitable;
At the time of receiving the money, the child must not be more than 25 years old and must be a full-time student at an educational institution.

If parents receive compensation from the local budget for paying for kindergarten, then the amount minus this compensation will be allocated from maternity capital.

The pension fund will transfer money for the entire period specified in the agreement. If the child stopped studying or moved out of the hostel before the end of the contract, the mother must write a statement of refusal to send money and indicate the reason. For example, in connection with the expulsion of a child from university.

The pension fund transfers money to the account of the educational institution for about two months, so you need to conclude an agreement in advance.

What can you spend money on from the certificate?

From the very moment of the launch of the maternity capital program, one key condition remained in it - money according to the certificate is not issued in hand

. They can be spent only on those purposes that in one way or another should ensure the future of the family and children, and only when the child for whom maternity capital was issued turns 3 years old (except for a few areas).

You can spend money from maternity capital for the following purposes:

improving the family's living conditions. There are several options here:
use the certificate to partially or fully repay interest on a mortgage loan;
use the amount in the certificate as a down payment on a mortgage loan;
repay the principal amount of a housing loan in full or in part with a certificate;
send a certificate for the construction or reconstruction of a private house on your site. The money is allocated in two parts with an interval of 6 months (and to receive the second half of the amount you need to complete the main work on building the house);
receive reimbursement of expenses for an already built house using a certificate. The main condition is that it must be built after 2007.
payment for a child's education. You can use funds to pay for education in various institutions: from a private kindergarten and private school, to a driving school and a higher education institution. At the same time, a child student can even pay for accommodation in a university dormitory. The main thing is that the child is 3 years old (except for preschool fees), the eldest is under 25 years old, and the educational institution has a license;
payment for goods and services necessary for social adaptation and integration into society of disabled children. This does not apply to medical services and rehabilitation goods, which the state already provides to disabled people free of charge;
formation of a funded pension for the mother of children. At any time, maternity capital funds can be directed toward pension savings, and then at any time, withdrawn from there. True, the funded pension system has been in a “suspended” state for a long time, so the option is controversial;
arrange a monthly payment for a second child under 3 years of age in the amount of the subsistence minimum. This can only be done by those families whose average income per family member is below two subsistence levels in the region.

That is, in fact, you can receive maternity capital in cash - for example, as compensation for expenses for an already built house (even if it was built before the birth of the child) or in the form of monthly payments - over 3 years the state will pay approximately 400 thousand rubles (living wage per child in the regions - about 11 thousand rubles).

At the same time, in 2015 and 2021, the state paid, at the request of families, 20 and 25 thousand rubles one-time

. There have been no such payments since then, and none are expected in the future.

Improve living conditions

Improving living conditions is the purchase of a new home, construction or reconstruction of a house or cottage. Repairs and the purchase of building materials are not considered an improvement in living conditions; maternal capital cannot be spent on this. Gasification of the house and installation of water supply, oddly enough, is also not an improvement; maternity capital will not be issued for such purposes.

How you can use maternity capital:

add to your own savings and buy an apartment;
use it to repay a housing loan;
make a down payment on a mortgage;
compensate for construction costs if the house has already been built;
pay an entrance fee to the developer if you are participating in shared construction;
pay the amount or part thereof under a shared construction agreement.

They do not give out money in person - the Pension Fund transfers the required amount to the bank, development company, contractor or individual who is selling the apartment. An application for the disposal of maternal capital can be signed at the bank, when applying for a mortgage or repaying a debt. The bank itself will transfer the information to the Pension Fund.

You can only receive cash capital in one case - if you are building or reconstructing a house yourself. Then they will transfer you up to 50% of the amount for construction, and after six months they will check what you built with this money. If the box of foundation, walls and roof is already ready, or the old house really gets bigger, the second part of the capital will be issued.

If a third child is born in the family, then you can add 450,000 rubles to the maternity capital, which the state gives to repay the loan. We told you how to get them.

Nuances you need to know:

Matkapital can be used to pay off a mortgage if the loan agreement is signed to the husband.
And even if it was concluded long before the birth of the child.
The money can be used to build a house or cottage on a garden plot. Ownership of land is mandatory.
There is no need to obtain a building permit - just submit a notification to the urban planning department of the city administration that the family will build a house. Forms have been developed for notifications; they must be filled out without errors or omissions, otherwise they may not be accepted.
Mortgages using maternal capital can only be issued in Dom.rf, licensed banks, credit and agricultural consumer cooperatives that have been operating for at least three years. The date that matters is March 29, 2021. If you took out a loan not from a bank, but from an employer, a private lending company or an MFO after this date, you will not be able to repay the debt with maternity capital. For contracts executed before the 29th, the restriction does not apply; maternity capital must be issued.
If in order to purchase a new home it is necessary to sell the old one in which the children had shares, then the consent of the guardianship and trusteeship authorities will be required.
You cannot use maternal capital to purchase housing that has been declared in disrepair or unfit for habitation.
It will not be possible to pay fines, commissions or penalties for late loans with Matkapital.
Housing purchased with the help of maternal capital must be registered as the common property of all family members, and shares must be allocated to children.
You can buy housing using maternal capital in any region of Russia, regardless of where the certificate was issued.

For mortgage loans using maternal capital, banks offer reduced rates - from 5% per annum. You can refinance your mortgage with another bank if part of the loan was repaid with maternal capital. True, not everyone agrees to such a deal - difficulties may arise with allocating shares in the apartment to children. You need to check with a specific bank to see if they will do such refinancing.

Mortgage calculator and bank selection

Maternity capital alone is not enough to buy a home. To buy a house, we also took advantage of the “Young Family” program of the city of Yalutorovsk. We waited our turn for almost 3 years. In 2021, when my first son turned 6 years old, the turn finally came. The certificate for the program amounted to just over a million, and the maternity capital for the second child was 453,000 rubles. It turned out to be 1,497,000 rubles.

At the same time, I had to fight a little with the bureaucracy. My second child was born in the Krasnoyarsk Territory, and I received a certificate for maternity capital there. And then we moved and decided to use the certificate in the Tyumen region. Therefore, I wrote an application for the disposal of maternal capital funds and sent it to the Krasnoyarsk Territory. The regional Pension Fund reviewed the application, allowed the use of maternity capital funds and transferred them to the Tyumen Pension Fund.

Amount and directions of application of the maternity capital certificate

From 2021, the amount of MK for the first child is 471 thousand rubles, for the second child 150 thousand rubles are due. additionally. At the birth of three children, in addition to the amount of maternity capital, the government offers repayment of part of the mortgage loan in the amount of 450,000 rubles. The funds received can be used in the following areas:

improvement of living conditions (purchase of an apartment or house, construction, reconstruction);
settlement of a mortgage loan (as a down payment or to pay off the remaining amount of the debt);
payment for the child’s education (not necessarily at a university, you can pay for everything related to education);
accumulation of a pension for the mother (funds are stored in the Pension Fund and are provided upon reaching retirement age in installments);
acquisition of means of social adaptation of children with disabilities.

Save for retirement

Maternity capital can be used to form a funded pension for the mother - all or only part. The amount is transferred to the woman’s individual savings account. When she reaches retirement age, she will be able to use the money. Or the husband or child will receive them if the mother passes away. Other relatives are not entitled to these savings.

Mom decides where to keep the money. You can leave them in the State Pension Fund, or transfer them to a non-state pension fund. If the mother decides to keep money in a non-state pension fund, then she must write an application to the Pension Fund to transfer to the selected non-state pension fund, and the Pension Fund will transfer the maternity capital or part of it there. If you change your mind, you can transfer the money back at any time before the pension is assigned.

Sample application for transfer from Pension Fund to Non-State Pension Fund

The mother herself chooses how to receive a funded pension from maternity capital:

As an increase to your pension .
The increase is calculated based on the survival period - in 2021 it is 258 months. The amount of maternity capital is divided by 258, and every month the resulting result is added to the pension. They pay for life.
Equal parts .
Matkapital is paid in equal installments every month. The minimum term is 10 years, the mother can set a term longer, but not less. How much will be paid per month depends on the amount of maternity capital. For example, the mother allocated the entire amount - 616,617 rubles - to a funded pension and ordered it to be paid over 10 years. Every month she will receive 5,138 rubles in addition to her pension.
One-time payment .
Matkapital can be received immediately in the entire amount after retirement, if the amount of the funded pension is less than 5% of the old-age labor pension. Usually the cumulative amount of maternity capital is more than 5%, so this option does not always work.

Matkapital for a funded pension is an investment. You can calculate approximately what increase in pension a woman will receive if she sends maternity capital for this purpose.

How to calculate approximate income.

For example, a 20-year-old woman gave birth to her first child in 2021. She decided to direct the entire maternity capital - 466,617 rubles - to a funded pension in a non-state pension fund. The mother will retire in 2060, and for 40 years the money will be invested in the company she chooses. The average yield of the selected non-state pension fund is 11%. The amount of savings after 40 years will be: 466,617 ₽ * (1+11%)40 = 30,330,478 ₽

Payments will be calculated from this amount:

The monthly increase
will be RUB 30,330,478/258 months = RUB 117,560.
In equal parts
over 10 years - 30,330,478 ₽/120 months = 252,754 ₽.

The calculation will be approximate, since the profitability of NPFs is different every year. You can find out the rating of NPFs on the website of the rating agency “Expert RA” or the National Rating Agency.

Select NPF

Before the pension is assigned, you can change the goal at any time and redirect the money to something else, for example, to educate your children. To do this, you need to submit an application to the territorial pension fund to refuse to send funds.

Sample application for refusal to send funds

Transfers of funds if you decide to use them for one purpose or another

Maternity capital is a targeted program, which can be used only within the limits established by law.

Thus, citizens can use MK funds in the following areas:

improving the family's living conditions;
teaching children;
acquisition of rehabilitation means for children duly recognized as disabled;
formation of a pension for the expectant mother.

It’s also useful to read: How many times can you receive maternity capital?

In addition, at the expense of MK funds, low-income families can receive additional cash benefits.

The most popular way to manage funds is to improve living conditions.

In this case, MK can be disposed of after 3 years from the birth of the second child. The exception is situations when housing is purchased with borrowed funds. The same rule applies to the purchase of rehabilitation equipment for children who were previously recognized as disabled.

As a general rule , the period for consideration of the relevant application by the Pension Fund of Russia is 30 days. If the decision is positive, then the funds are paid within 10 days.

It should be noted that in this case we are talking about working days, not calendar days, so the actual period for transferring money can be up to 2 months. In addition, all payments occur through banking institutions, so additional time may be required to complete the relevant transactions.

This rule applies to all cases related to the disposal of maternity capital.

Separately, it should be noted the deadlines for applying to the Pension Fund to receive funds for the education of children. Thus, as a general rule, the exercise of this right is possible when the second child reaches the age of three years. However, it is allowed to pay for the education of not only the second, but also the first child.

A woman can also use MK funds to form a funded pension after the established three-year period from the date of birth of the child. However, this form of targeted allocation of funds is not popular due to the uncertainty of the future fate of the funded pension system in Russia.

For adaptation of disabled children

Maternity capital can be used to purchase goods and services that help disabled children live in society. The Order of the Government of the Russian Federation defines a list of goods and services for adaptation. There are only 48 of them. You can buy wheelchairs, lifts, special baths and reading devices, but you cannot pay for therapy, diapers or medicine. The only available service on the list is the help of a reader-secretary. The list does not include nannies and nurses.

The money cannot be received immediately - first, the parents buy the goods themselves, and then send an application for payment and a report on expenses to the Pension Fund, and the Pension Fund transfers compensation to the mother’s account within 40 working days after submitting the application.

What to do before submitting an application to the Pension Fund:

Pass a medical and social examination.

The hospital where the child is being seen will issue a referral for an examination. With him, the parents go to the medical and social examination institution and write a statement that, for medical reasons, the child needs specific goods. The application must be accompanied by a referral, birth certificate or passport of the child, SNILS, certificate of disability, individual adaptation program for a disabled child (IPRA, it is developed at the medical and social examination institution), medical documents (outpatient card, extracts from medical institutions ).

The application will be reviewed and a conclusion will be issued that the goods are really needed. The application must be attached to the package of documents to the Pension Fund for payment of compensation.

The individual rehabilitation program must be valid on the date of purchase of goods or services. Otherwise, you will not be able to receive compensation from maternity capital.

Receive an inspection report from the social security authority.

It is compiled by a social security employee - you need to leave an application with social security, within five days after the application, an employee will come to your home, check whether the goods were actually purchased, and draw up an inspection report. It must be attached to the documents for the issuance of maternity capital.

How to use money from the certificate?

It all depends on what purposes you plan to spend maternity capital. In short, in most cases you need to fill out an application for disposal of maternity capital funds, but each situation has its own conditions:

improvement of living conditions: the easiest way is to use capital for a mortgage, then you can fill out an application directly at the bank. If you plan to buy a home without a loan or build it, you need to write an application to the Pension Fund; this can be done through the MFC or your personal account on the department’s website. In each case, you need to attach a certain package of documents - for example, a purchase and sale agreement, an extract from the Unified State Register of Real Estate, an equity participation agreement, documents for the plot, etc.;
Important:
after the housing becomes the property of the family, shares in it must be allocated to all family members (that is, both parents and all children). The law does not stipulate what shares these will be.
child’s education: you need to write an application to the Pension Fund for the disposal of maternity capital funds and attach to it a certified copy of the agreement for the provision of paid educational services;
monthly payment for the second child: you need to submit an application to the Pension Fund (by any means), all necessary data, including information on family income, is collected by the Pension Fund independently;
mother's funded pension: one application to the Pension Fund is enough (and this decision can also be withdrawn upon application);
means of social rehabilitation of a disabled child: you need to submit an application to the Pension Fund of the Russian Federation, attaching a rehabilitation program, documents for the purchased funds, as well as a certificate of conformity of the goods.

In any option, you can manage your maternity capital without leaving your home - through State Services or your personal account on the website of the Russian Pension Fund.

Receive monthly payments

You can receive monthly payments from maternity capital if the family has a difficult financial situation. In this case, the maternity capital will decrease by the amount of payments, and annual indexation will be done on the balance. The amount of payments depends on the region, for example, in Moscow it is 15,225 rubles, and in the Leningrad region - 10,379 rubles.

If an application for payments is submitted within six months after the birth of a child, then payments will be made for all months before the application, if later - from the moment the application is submitted. The money will be transferred to the mother’s card until the child turns three years old (previously - 1.5 years). There is no need to report expenses.

If you received monthly payments according to the old rules - until the child was 1.5 years old - you need to write an application to the Pension Fund for the resumption of payments from maternity capital - the money will begin to be transferred from the date of submission of the application.

Payments will be assigned if all conditions are met:

monthly income for each family member is less than two subsistence levels in the region;
the child was born no earlier than 2021;
The baby is not yet 3 years old.

Income is wages, pensions, benefits, scholarships, and allowances. One-time financial assistance from the state, for example payments to flood victims, is not counted as income. Amounts are taken before taxes.

The minimum cost of living in your region can be found in the Pension Fund of your city or viewed on the official website.

How to calculate income per family member:

add up all family income for the last 12 months and divide the amount by 12 and the number of people in the family. If the amount is less than two regional subsistence minimums, you can make monthly payments from maternity capital.

For example, there are 4 people in a family - a mother, a father and two children. They live in Yeniseisk. The cost of living in the Krasnoyarsk Territory at the beginning of 2021 is 13,425 ₽, double - 26,850 ₽.

Family income for the year is 540,000 rubles.

540,000 ₽/12/4 = 11,250 ₽ - income for each family member.

This is less than two subsistence minimums; the mother can apply to the Pension Fund for monthly payments from maternity capital.

You can calculate the amount of monthly payments using an online calculator.

Maternity capital: what can you use it for?

Maternity capital funds can be used to improve living conditions

when the child turns three years old. This rule does not include early repayment of the mortgage and down payment: you can use the money for such purposes immediately after birth. You cannot use maternity capital to purchase emergency housing or make repairs to the apartment. According to the Ministry of Labor, more than 60% of Russians use the certificate to improve their living conditions.

on education in 2021

by paying for tuition in kindergarten, school or university. Also, with the help of a certificate, it is possible to cover the costs of a dormitory at an educational institution.

The mother herself can use the certificate by directing it to the funded part of her pension.

. At the same time, before retirement age, it is possible to return all funds and use them for other purposes.

The state program also provides assistance to disabled children

. In this case, maternal capital can compensate for the costs of goods and services necessary for the child’s social adaptation.

The certificate owner can receive payments monthly

. However, you can take advantage of this if the second child was born after January 1, 2021, and the average per capita family income is less than two subsistence minimums. In this case, for three years, an amount equal to the subsistence minimum per child will be paid from maternity capital funds.

It is worth noting that the law prohibits cashing out, selling or exchanging the certificate. The owner of the certificate is also responsible for this. The maximum penalty provided by law is up to 10 years in prison.

Expert opinion: where to spend maternity capital and features of purchasing real estate

“When planning your financial strategy, it is important not to forget that the entire amount of maternity capital spent on the purchase of real estate cannot be used for property deduction. Amounts in excess of the capital spent on this particular property can already be used for tax deduction. You also need to remember that when purchasing real estate using maternity capital, those young children (or one child) for whom maternity capital was allocated also acquire ownership rights. This can be any housing: even a second, even a third. The main thing is that the child receives an appropriate share in this housing. But there are certain rules and procedures for registering ownership of real estate that is taken out on credit, mortgage, or under the condition of encumbering such real estate. There is an unspoken rule that only parents without children are registered in the only housing. And after receiving ownership rights and paying off the loan, parents are required to register their children within six months,” says lawyer, founder and CEO of the vvCube consulting group Vadim Tkachenko.

Artem Kosenok, group “Direct Speech”

When is maternity capital issued?

There are rules for receiving money: you can apply for payment of maternity capital only when the baby turns three years old. Immediately after the birth of a child, you can receive money only for certain purposes.

When to receive maternity capital

Where can I send

Immediately after birth

→ Monthly payments;

→ payment for kindergarten;

→ adaptation of disabled children;

→ down payment for a mortgage;

→ mortgage repayment.

After the child turns three years old

→ Buying a home with your own money;

→ compensation for building a house;

→ school tuition, payment for courses, sports and music clubs, accommodation in a dormitory;

→ house construction;

→ funded pension.

How much can you get

Maternal capital for first-born children is issued only for children born after January 1, 2021. If the first child was born on December 31, 2021, the mother does not have the right to maternity capital - this is the law.

Maternity capital for the first child - 466,617 ₽. For the second and subsequent ones more - 616,617 ₽. For example, the first child was born in the family on January 15, 2021. The mother will receive maternity capital of 466,617 ₽. If she already had a child and did not receive maternity capital before, then she is entitled to 616,617 rubles.

The amount of maternity capital does not increase if twins or triplets are born in the family. One child is recognized as the firstborn, the other as the second born. In this case, the capital will be 616,617 ₽.

The mother has the right to maternity capital; if the first child has died, the documents for the certificate will need to be accompanied by a birth certificate of the deceased child. Then, at the birth of the second child, the amount of maternity capital will be maximum - 616,617 rubles. It happens that a child dies in the maternity hospital and there is no birth certificate, only a registration certificate. In this case, you won’t be able to get maternity capital; you just need a birth certificate.

Adopted children are considered equal to their own children. If a family adopts a child, the mother can receive maternity capital - if this is the first child, then 466,617 rubles, if the second or third - 616,617 rubles. There is a nuance: maternity capital is not provided for the adoption of a husband’s or wife’s children (stepchildren).

How to obtain a certificate

You can apply for a certificate for maternal capital at any time, even if the child is already 10 years old - the law does not limit the submission period. The place of registration is also not important - at the place of birth of the child, at the place of permanent or temporary residence.

From April 15, 2021, the certificate is issued automatically at the birth of a child. The electronic certificate will be located in the mother’s personal account on the website of the Pension Fund or State Services. You do not need to print it out to confirm your right to maternity capital - the number and details of the owner will be in the Pension Fund database.

Families with adopted children do not automatically receive a certificate; they will need to write an application to the Pension Fund for the issuance of a certificate.

The Pension Fund will notify you of the decision one day after receiving the application and will issue a certificate within 15 days. From 2021, certificates will be issued within five days, as stated in the law.

What is maternity capital equal to in 2021?

Maternity capital per child in 2021 was indexed by 3.7%. In 2021, it was increased for the first time in the last five years. According to the head of the Ministry of Labor Olga Batalina, from 2021 indexation of maternity capital will be carried out annually.

The maximum amount of maternity capital is 639.4 thousand rubles.

1) 483.9 thousand for the second child will be received by a family in which the first and second child were born before 2021;

2). 639.4 thousand rubles. they will give for a second child if the first was born before 2021, and the second after;

3). In a family where two children were born after 2021, 483.9 thousand rubles will be given for the first-born, and 155.5 thousand rubles can be received from the state for the second-born.