11 differences between federal and regional maternity capital!

In addition to the familiar federal maternity capital, there are also regional subsidies in Russia. These payments are due at the birth of the 3rd child in the family (as a rule). The form of regional assistance and its size vary - each subject of the Russian Federation has its own family programs.

With you is Evgeny Zhukov, an expert on legal issues of the PAPA HELP portal. From the article you will learn in detail what regional maternity capital is, how it differs from the federal one, who is entitled to such payments and what they can be spent on.

In addition, I will tell you how to avoid encountering scammers in the process of selling maternity capital and answer frequently asked questions regarding the timing, amount and features of financial assistance within the framework of regional family subsidies.

What is federal and regional maternity capital?

Maternity capital is government assistance to families with children. Sometimes it is also called family capital.

federal and regional programs .

You need to know about them that they do not exclude each other, but SUPPLEMENT, that is, you can receive both federal and regional maternity capital.

What are the rules for receiving federal and regional maternity capital?

The rules of federal maternity capital are the same for all regions of the Russian Federation.

To view them, go to one of these sites:

• “About maternity capital”;
• “How to register maternity capital.”

The rules of regional maternity capital in each region are very different.

To understand how regional maternity capital works in your region, go to one of these sites, select your region and read the rules of your region:

What are the conditions for receiving federal and regional maternity capital?

The rules for obtaining federal maternity capital are the same for all regions of the Russian Federation.

You must have two or more children of your own or adopted and meet certain other conditions.

You can read about them on Wikipedia and on the website of the Pension Fund of the Russian Federation.

To receive regional maternity capital, you must have 3 or more of your own or adopted children , but there are regional features.

To view regional conditions for obtaining a certificate, select your region and review the rules for your region.

Table for issuing regional maternity capital by region

Each region issues its own certificates, which differ in the amount provided, registration rules and possibilities for using the funds.

Additionally, cities offer various support measures when a third child appears. For example, in the Altai Territory, 55 thousand rubles are offered, and the authorities of the Amur region provide 100 thousand rubles. In the Belgorod region, 55 thousand rubles are issued, and in the Volgograd region - 70 thousand rubles. These funds are usually offered for the personal needs of citizens.

At the birth of the 4th or subsequent children, in some cities another measure of material support is provided . In the Altai Republic, 50 thousand rubles are issued, and in Karachay-Cherkessia the amount increases to 105 thousand rubles.

What can you spend maternity capital on?

Federal maternity capital is always targeted. It can only be spent on the following purposes:

• purchasing housing without a mortgage (only 3 years after the birth of the child);
• purchasing housing with a mortgage (immediately after the birth of a child);
• children's education;
• mother's pension savings;
• adaptation of disabled children.

Regional maternity capital is often also targeted, but there are exceptions.

The conditions for spending regional maternity capital are very diverse . There are regions (Vologda region) where maternity capital can be spent for any purpose. Check the rules in your region.

Who is entitled to regional maternity capital?

The program began operating in 2011. Therefore, parents whose children were born no earlier than January 1, 2011 have rights to regional, gubernatorial or regional maternity capital. At the same time, everyone who meets the conditions for receiving assistance remains eligible for federal payments.

Who specifically has the right to apply for regional subsidies:

• women who gave birth or adopted a third child during the period specified by law;
• men are the only parents or adoptive parents of the child.

Parents have the right to receive a certificate immediately after the birth of a child, but the timing of its use is regulated by municipal or regional authorities.

For what reasons may they refuse to issue maternity capital:

1. Lack of rights to receive support - provisions of regional laws are considered.
2. Termination of financial assistance eligibility.
3. Providing false information, including information about the order of birth of children or the citizenship of the child.

In any case, the decision to issue RMCs is made locally by decision of local authorities.

Documents for maternity capital?

To obtain a federal maternity capital you need:

• application for a maternity capital certificate;

• passport of a citizen of the Russian Federation;

• birth (adoption) certificates of all children;

• documents confirming Russian citizenship of those born (or adopted) after January 1, 2007;

• identification documents and confirming the powers of the legal representative or authorized representative, if the application will be submitted by a representative of the applicant.

And here is very detailed information about what documents are needed to obtain a federal certificate of maternal capital.

To obtain a regional maternity capital certificate, you need approximately the same documents, but each region has its own characteristics. Check the rules in your region.

How and where to get a certificate for regional payments - step-by-step instructions

The issue of payment of family benefits in the regions is regulated by Federal Law No. 256. The main conditions for use include Russian citizenship and registration in the Russian Federation, the presence of at least three children in the family, and the birth of a third child during the program period.

Further steps are in our instructions.

Step 1. Collect the necessary documents

Without providing the necessary documents, you will not be able to receive financial assistance.

You will need:

1. Statement. The established form is available from a social security agency specialist or an MFC employee (depending on where you apply).
2. Applicant's passport.
3. SNILS.
4. Copies of each child's birth certificate.
5. Confirmation of citizenship.
6. Certificate of marriage or divorce - depending on marital status.
7. Certificate of family composition (at place of residence).
8. If the applicant is a single father, documents confirming his status are required.

Additional papers may also be required - for example, a certificate of family income for the last three months, information about property, medical certificates, etc.

To transfer funds allocated to the family for the necessary purposes, you will need a more extensive list of documents. You will have to confirm the intended use of funds.

Read the article on the topic: Presidential payments

Depending on the options for using maternal capital, social workers require: a purchase and sale agreement, a construction permit, confirmation of ownership of the residential premises (if money is spent on its renovation), loan agreements and other papers.

We recommend providing documents in the form of copies.

Step 2. Submit documents to local social security authorities

There are two options for submitting documents:

• directly to the regional or city social protection authority;
• in the MFC - if the center has an agreement with the structure mentioned above.

Documents can be submitted remotely through the Unified State Services Portal. If the application was submitted electronically, ensure that you receive a notification confirming that your application has been accepted.

Step 3. Wait for the decision and receive a certificate

The decision is made by the responsible persons within 30 days from the date of registration of the application. The applicant is then notified of the decision within 10 days.

In case of refusal, be sure to indicate the reason. If you are refused, but you consider such a decision to be unfair, you have every right to challenge the refusal.

Where can I obtain a certificate of federal or regional maternity capital?

The federal maternity capital certificate looks like this:

A certificate of federal maternity capital can be issued:

• in person (at the Russian Pension Fund or MFI at your place of residence);
• through the government services website;
• on the pension fund website using a government services account.

Here is a very detailed description of how to do this:

• www.mos.ru/otvet-semya-i-deti/kak-oformit-materinskiy-kapital - how to register maternity (family) capital;
• www.gosuslugi.ru/10055/1 - registration of a certificate for maternal (family) capital through the government services website;
• es.pfrf.ru/stmt/msk - registration of a certificate for maternal (family) capital on the website of the Russian Pension Fund using a government services account.

Just go to your personal account on one of these sites, collect the documents specified there and fill out the form:

A certificate of regional maternity capital can be obtained from the social security authorities at your place of residence, and it looks like this:

Family maternity capital regional and federal - what are the differences

So, each region and each region implements its own programs.

However, there are some common features:

1. The size of local payments, as a rule, is lower than the federal capital and ranges from 50 to 150 thousand rubles.
2. Federal maternity capital is issued once, after the birth of the second child, RMC can be issued for each subsequent child, if such conditions are in the program.
3. The methods of using federal maternity capital are strictly defined by law. For example, you won’t be able to buy a car with this money. But the scope of application of the RMC has been significantly expanded. For example, in the Kaliningrad region and a number of other regions, these funds can be used to purchase a car, furniture, and expensive household appliances. In the Novosibirsk region, money can be spent on purchasing agricultural equipment, treating disabled children, or renovating an apartment.
4. Terms of application. Federal benefits are allowed to be used only after 3 years after the birth of a child, unless this money is spent on preschool education. For regional programs, such restrictions are either not provided, or they differ in terms.
5. Availability of alternative options. In some areas, families may choose alternative ways to use benefits. Thus, in Kamchatka, local authorities offer to “close” a mortgage loan, if there is one, at the birth of a child, provided that 10% has already been paid and there are no arrears on the loan.

As for the fundamental difference between the two types of capital, it is as follows: money for RCC is allocated from the regional, regional or city budget, and not from the federal budget, as is the case with ordinary maternal capital.

Regional programs became a kind of response to the president’s proposal to locally support the cause of federal assistance to families. State support, although it amounts to 466 thousand rubles , still does not cover the expenses of families with three or more children. An additional 50-150 thousand becomes a good help.

You need to apply for regional maternity capital funds not to the pension fund, as is the case with federal payments, but to the territorial bodies of the Ministry of Social Development - to the departments for payment of social benefits at your place of residence.

The table clearly shows the difference between types of assistance to families:

Where can I get the most accurate, up-to-date, comprehensive information?

The most accurate information about maternity capital can be obtained here:

• Regional maternity capital - on the website “Maternity capital in the regions” or in the regions section on the website “Maternity capital”.
• Federal maternity capital - on the website of the Pension Fund of the Russian Federation or here How to apply for maternity capital

Here are some links to official information on maternity capital from the website of the Pension Fund of the Russian Federation:

• www.pfrf.ru/grazdanam/family_capital/faq_matkap - frequently asked questions about maternal (family) capital;
• www.pfrf.ru/grazdanam/family_capital/kto_imeet_pravo - how to receive and spend maternal (family) capital;
• www.pfrf.ru/grazdanam/family_capital/chto_nuzh_znat - what you need to know about maternal (family) capital.

In addition, you can find official information about maternity capital on the website of the Russian Pension Fund. To do this, click on the search icon (in the picture it’s a red arrow), type “maternity capital” in the “Request” field (in the picture it’s a red oval) and click “Find”.

Additionally, at the bottom of the infographic, we have provided all the sources that we used in preparing this material.

How do bank programs “Mortgage for maternity capital” work?

Briefly, federal maternity capital programs work like this:

You receive a “Mortgage Capital” certificate from the Pension Fund of the Russian Federation (or the MFC) and present it to the bank as a down payment on a mortgage or, if you already had a mortgage, as repayment of a mortgage loan.

The bank accepts your certificate and reduces the down payment or loan amount.

Want more details?

Read how bank programs “Mortgage for maternity capital” work on these sites:

• Mortgage for maternity capital,

• Mortgage using maternity capital,

• Website “Maternity Capital” (here the entire site is dedicated to maternity capital)

If you have any questions, get free legal advice on this site or this one.

What can you use it for?

Regional maternity capital is issued based on the requirements of local legislation, therefore the purposes of its use differ in different cities.

Typically, money can be used for the following purposes:

• improvement of living conditions, for which real estate is purchased or built;
• payment for children's education;
• purchasing funds for the rehabilitation of disabled children.

In some regions, the number of spending destinations is significantly increasing. For example:

1. you can not only build, but also renovate housing,
2. buy a plot of land to build a summer house,
3. pay for clubs and sections for children,
4. buy a car or household appliances,
5. bring utilities to the house
6. pay for paid medical services.

In the Samara region you can pay off a loan, and in the Perm region you are allowed to use the money for recreation and recovery.

Children's education

Parents often use regional maternity capital to pay for their children’s education.

In this case, the money can be used for the following purposes:

• visiting a kindergarten, not only a public one, but also a paid one;
• accommodation in a dormitory while studying at a university;
• payment for education in different educational institutions;
• visiting clubs or sections.

Attention! The main condition for using maternity capital funds is that the selected educational institution must be located on the territory of the Russian Federation.

In some regions, it is allowed to use budget funds to purchase a car, but only a domestic vehicle is selected. From 2021, citizens can receive a monthly payment if their income is less than the subsistence level. Therefore, corresponding changes were made to regional programs.

Funds issued on the basis of regional maternity capital are not provided in the form of cash, and therefore are transferred to other organizations, for example, contracting firms, banks or medical institutions. If citizens use any illegal methods to cash out money, they are held accountable for fraud, and also return previously received funds.

It is also useful to read: Is maternity capital required if the child dies?

Improving living conditions

This method of using regional capital is chosen by citizens most often. With the help of budget funds, people solve their housing problems.

Money can be used for:

• purchasing an apartment located on the secondary or primary market;
• mortgage registration;
• reconstruction of a private house;
• construction of a residential facility;
• purchasing a home.

Difficulties often arise when purchasing real estate, as sellers sometimes refuse to receive payment based on the certificate. To solve this problem, you can take out a mortgage loan, which, after the transaction is concluded, is repaid with maternal capital.

Reference! Many large banks work with maternity capital, so the certificate can easily be used to partially or fully repay a target loan.

If the money is used to build a house, it is issued in two stages. The first half of the funds is allocated for the construction of the foundation, and the balance is transferred six months after providing evidence of construction. The land on which the house is built must be the property of the family.

If a private building is classified as emergency real estate, then funds from the regional capital can be used for reconstruction , for which the load-bearing structures are replaced, the floor is completed, or the technical characteristics are changed.

Which banks have “Mortgage for maternity capital” programs?

There are a lot of banks that issue mortgage loans using federal maternity capital. Each of them has their own program. But you need a bank that operates in your city.

To choose the bank that's right for you, do the following:

1. Google which banks issue mortgages against maternity capital where you live. Google queries could be like this:
   banks accepting maternity capital in Krasnodar (substitute your city for Krasnodar);

• mortgage for maternity capital in Krasnodar;

• regional maternity capital in Krasnodar.

1. Look at the sites on the first page of Google results (the most correct options are on the first page). You need banks that issue mortgages against maternity capital in your city;

1. Call each bank and ask if they actually have such a program and what are the conditions for receiving it;

1. Using a mortgage calculator, determine the main parameters of a mortgage: the size of the down payment, annuity or differentiated payments, the amount of overpayment, the effective rate;

1. Select your bank and submit a loan application;
2. Look at the bank's ratings.

For example, at the request “Banks accepting maternity capital in Krasnodar” we found this site and this one.

Five minutes later we knew several banks that issue mortgages taking into account maternity capital:

• Russian Capital;

• Tinkoff Bank;

• Sberbank of Russia;

• VTB;

• Ural Bank for Reconstruction and Development;

• Fora Bank;

• Bank opening".

We also learned that in the Krasnodar Territory there is a regional program “Maternity Capital in the Krasnodar Territory” under which in 2017 you could receive another 115,206 rubles.

How to implement a regional certificate

Financial assistance allocated from the budget has a strictly targeted purpose. It is allowed to spend a regional subsidy only on those needs that are indicated by the regulatory documentation of a particular region. The directions for using maternal capital differ among individual subjects.

Improving living conditions

The implementation of a regional certificate is used for:

1. Purchase or construction of housing.
2. Reconstruction of residential premises.
3. Gasification.
4. Applying for a mortgage using capital to purchase a home.

During construction or reconstruction, it is recommended to officially document all work carried out, keep receipts for the purchase of materials, rental of equipment, and so on.

Payment for education

It is advisable to use RMK to pay for a child’s education, since maternity capital is accepted in most private organizations and government educational institutions. The age of children should not be higher than 25 years. It is possible to pay for classes in art schools, music schools, private kindergartens and other educational organizations if they have a license.

Regional programs also stipulate the conditions for studying on the territory of the subject in which the benefit is issued.

Land acquisition

RMK can be invested in the purchase of plots of land: country houses, gardens. Funds are transferred to the account of the seller or credit institution. However, the opportunity to purchase land is not available in all regions.

Treatment of a child

RMK funds can be used for the treatment of a child if there are official medical indications. At the same time, it is even possible to pay for high-tech diagnostic and therapeutic methods, sanatorium and resort vacations (sometimes interregional interaction is acceptable). However, this opportunity is not available in all regions. A medical institution must have a license to carry out its activities.

Buying a car

It is possible to purchase a car using funds from the regional capital only in the Kaliningrad and Novosibirsk regions. A car of a domestic brand is purchased by families whose third child was born after 01/01/11. Family income should not exceed the monthly subsistence level of the region by more than 3.5 times.

We buy household appliances and furniture

It is possible to apply a subsidy for the purchase of durable items: furniture, household appliances, computer equipment and electronics. However, this is allowed only in the Kaliningrad, Murmansk, Tver regions, Buryatia, and the Nenets Autonomous Okrug.

Purchase of agricultural machinery and equipment

The legislation of individual regions (for example, the Novosibirsk region) has determined a list of agricultural machinery and equipment for agricultural production that is allowed to be purchased with RMK funds:

• tractors;
• machines and tools for cultivating land;
• incubators for poultry farming and the like.