What does regional maternity capital mean?
Regional maternity capital is an additional measure of state support assigned by regional authorities. First of all, families with more than three children can count on regional maternity capital. It is very rare for a municipality to finance families with one child or two children. It is believed that the function of providing small staff is solved by the federal program in accordance with Law No. 256-FZ of December 29, 2006. Therefore, the task of the regional leadership is to provide financial assistance to large families.
How is it different from “normal”?
In fact, both programs pursue the same goal of improving the lives of Russian citizens who have become parents. And as you know, along with responsibility comes a lot of troubles that can be associated with different periods of children’s development. At each stage, requests arise and therefore regional and federal programs are organized to solve them. They seem to complement each other, which is why there are insignificant differences.
Here are the most typical of them:
- Funding comes from different budgets: local and federal.
- The amount of family capital allocated from the federal state budget is the same for all families.
- The size of regional maternity capital varies between constituent entities of the Russian Federation.
- The time frame for reviewing an application for a certificate and disposing of it may vary.
- Regional use of money under the certificate covers more areas.
Regional maternity capital
Now let’s figure out what regional maternity capital (RMC) is. This is, in fact, an additional form of assistance to married couples with children, formed at the regional level by local leadership at the expense of the budgets of the constituent entities of the federation.
In some regions, the RMC existed before this (for example, in the Smolensk region since 2008), but the mass implementation of such programs began after the corresponding task was set by the President of the Russian Federation in 2011. As a result, regional family maternity capital operates today in almost 80 constituent entities of the federation.
The central government does not influence the regulation of RMC: regions can independently accept or cancel programs, determine the amount of assistance, the direction of its expenditure and the criteria for recipients.
The main metrics of regional programs differ from each other in different subjects of the federation. The main criteria that determine them:
- birth rate in the region. RMC is an incentive to increase the birth rate, so in some regions with high birth rates little assistance is provided or there are no programs at all. In regions with low birth rates, on the contrary, regional maternity capital is a priority program, and the amount of assistance is constantly increasing.
- level of well-being of the population. As you know, it can differ significantly from region to region. The higher the level and capabilities of budgets, the higher the size of maternal capital.
Regional assistance operates in parallel with federal assistance, that is, receiving a FMC does not exclude the possibility of receiving a RMC.
Like federal assistance, it is assigned only once and excludes the possibility of repeated registration when subsequent children appear.
We also note that maternity capital in the constituent entities of the federation has many similarities with the federal program, but at the same time it has many differences.
When can I use the regional payment?
At the same time, there are similar conditions: in both processes, in order to implement the directions, you must wait until the child, who has the right to maternity capital, reaches 3 years of age. Of course, not always. Since the Government of the Russian Federation has exempted from age regulations parents who have declared the use of state funds for the treatment and rehabilitation of a disabled child or as part of mortgage lending.
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.
Can it be used in another region?
Russia is a very large country and occupies the largest territory in the world, therefore internal migration is quite uncontrollable. Many citizens have temporary registration in one subject, but are permanently registered in another. This raises many questions about the regional use of the certificate. Referring to the legal context of the law, we can answer that maternity capital can be used anywhere in the Russian Federation, but it can only be obtained in the area of residence, and the number of years of permanent residence of the mother in one place is important. The time of settlement is determined individually in each region.
How to implement a regional certificate
Happy families with three children can combine two certificates for one purpose, for example, to buy a house/cottage or close a mortgage. But if you have your own home, you can use the amount for other purposes, ensuring the comfort of the whole family.
Improving living conditions
According to statistics, federal capital is most often spent on housing purchase costs. Local financial support also includes improvement of living conditions. But taking into account the fact that the allocated amount from the municipality is usually 50,000-200,000 rubles, this direction is not so popular.
For purchasing purposes, you should choose an object that meets sanitary standards for the accommodation of minors. All necessary communication networks must be connected to the building.
The terms of payment using maternal capital funds are discussed with the seller in a timely manner, which is specified in detail in the clauses of the purchase and sale agreement. It is worth considering the actual terms of the transaction, which usually range from 1 to 2 months.
Payment for education
Sending a child to kindergarten and school is the direct responsibility of parents. The state pays for preschool education through any type of maternity capital, from a very early age. You can also pay for your child’s lessons in a sports and music school, or classes in creative clubs. You can also use the money for higher education. In this case, the student’s age should not exceed 25 years. Read more about spending money on education (training) in a separate article.
In some regions, they may be required to conclude an agreement specifically with government institutions, but a transaction with a private institution may be refused. In this regard, you should find out in advance the conditions for using MK at Social Security or the Multifunctional Center at your place of residence.
Land acquisition
Regional family capital is also available for the purchase of land, but not in all areas. You need to find out about this on the official website of the municipality. A prerequisite will be the further construction of a residential building and the division of shares between all family members. This direction of spending for QMS from the federal budget is not provided.
Treatment of a child
Thanks to a certificate from the local government, the child can receive the necessary treatment, when the federal government allows funds to be used only for disabled children. You can use regional support provided that the treatment is prescribed by a doctor and is mandatory. This includes dental services, prescription medications, and physical therapy services.
Fraud with regional mat capital - how to avoid becoming a victim of deception
Although regional maternity capital is non-cash funds, there are plenty of people who want to illegally take advantage of budget assets.
Frauds with regional (regional) money are just as common as scams with the federal MSK. The most common method of deception is fictitious intermediary services for obtaining a mortgage (loan) from a bank or “assistance” in cashing out RCCs.
To avoid becoming victims of scammers, I advise you to follow simple recommendations:
- carry out all operations with maternity capital with the direct participation of social security authorities;
- do not enter into transactions with companies with dubious status, as well as with companies about which there is no clear information in official sources of information;
- do not use the services of private individuals offering to cash out maternity capital for a certain percentage.
Often, certificate holders themselves become the initiators of criminal operations. In particular, with the money of regional capital, housing is purchased from friends and relatives, apartments are purchased at a deliberately inflated price or living space unsuitable for living.
All fraudulent transactions involving funds from the regional and federal MSK are punishable by law and have the status of criminal offenses. The least that the organizers of the scams face is the return of funds to the budget and payment of a fine.
Conspiracy with third parties to commit criminal manipulations with family capital is punishable by 5 years of forced labor or imprisonment for the same period.
Organizing a criminal group for the purpose of deceiving (inciting) certificate holders entails millions in fines and even longer prison sentences.
I recommend watching a video on the topic of regional maternity capital.
Buying a car
If desired, the family can invest regional money in purchasing a car. True, at the beginning you will have to prove that you do not own the car or that you do have it, but it is unfit for driving. Only in this case will the authority considering the application transfer the required amount. It is also worth remembering that the priority is a car from a domestic manufacturer.
We buy household appliances and furniture
After the birth of your third child, you have a chance to better equip your living space. It is allowed to use the certificate money to purchase furniture and household appliances. This could be a children's bedroom set, kitchen furniture, a spacious refrigerator, dishwasher, microwave oven. In fact, those goods that are necessary for favorable living and long-term use. You can view the list on the municipality’s website.
Purchase of agricultural machinery and equipment
In some regions, residents are engaged in agriculture or farming. For such families, funds are allocated as maternity capital for the purchase of special equipment and machinery. There are regions where it is allowed to purchase birds and animals for breeding. At the same time, expenditure on feed supplies is allowed.
Can I spend it on renovating my apartment?
Improvement of the apartment is not a targeted area for spending funds. Improvement of the premises may be allowed, for example, in the Rostov region the authorities allow gas to be installed in the house at the expense of maternal capital. You can pay for repairs to the premises at the expense of capital only if they lead to an increase in usable area.
Differences between regional programs and federal ones
Despite the general focus and sometimes coinciding metrics, federal and regional maternity capital differ significantly from each other. The lack of a common regulatory framework and different levels of regulation have made these differences inevitable, which only creates certain regional specifics, but is not a problem.
The main differences concern:
- Source of financing expenses. PMK is financed from the state budget, while RMK is financed from the funds of the federal subject.
- Amount of payment. At the state level there is a fixed size, and the regional MK differs from subject to subject, sometimes even several times.
- Conditions of receipt. State assistance is assigned according to uniform rules for all Russian families who have a second child, and RMK in each region - according to individual rules.
- Directions for use. Both programs are targeted, although the list of areas for using regional maternity capital is usually wider than that of the state one.
Having considered the differences between PMK and RMK, we can come to the conclusion that these are completely different programs. The only thing they have in common is their common goals, the tools they use, and their name.
Conditions of receipt, documents
There is no unified legislative framework on the appointment of a regional MK; each subject independently determines the conditions for issuing funds to families with children. Nose there are general rules which are as follows:
- Citizenship of the Russian Federation.
- Registration at the place of residence.
- The birth of a child in the order that gives the right to receive assistance, usually the 3rd, 4th, and so on.
Applicants prepare documents and submit the collected package to the territorial social protection authority or MFC. This list includes:
- Completed application for disposition.
- A copy of the certificate for maternal capital.
- Passport.
- SNILS.
- Birth documents for all children.
- Confirmation of family composition.
- Bank details.
Depending on the purpose of using regional funds, an agreement from an educational institution, a purchase and sale agreement, a reconstruction permit, a certificate of real estate, proof of income, etc. may be required.
Is it possible to legally cash out regional mat capital in Moscow?
The rules for using the certificate are the same for the capital and settlements with regional status. These rules do not allow turning regional capital into real money.
In other words, funds secured by the certificate can only be spent on needs established by law. Redirection of funds is carried out by bank transfer.
You can transfer money to the following accounts:
- banking institutions;
- sellers of apartments and houses;
- construction organizations;
- medical, preventive, educational institutions.
Transfers in other areas provided for by law are allowed. All other transactions are considered criminal: both the owners of the certificate and the initiators of illegal cash withdrawal are held accountable for their implementation.
Payment amounts by region
In the constituent entities of the Russian Federation it will not be possible to receive a large amount; the amount rarely exceeds 150 thousand rubles. In comparison with the federal one (639,432 rubles), this is not so much, but in any case it is good financial support. These amounts are approved by internal legislation and published on the electronic portals of the municipality.
A detailed table of maternal payments by region is in the article about receiving regional MK.
For the first child
Rarely, but a certificate is provided at the place of residence after the birth of the first child. Individual territories can be distinguished, such as the Magadan and Sakhalin regions, Kamchatka and Khabarovsk territories. Issued to mothers who are not older than 25 years. The size is 30,000–125,000 rubles.
For 2nd child
In the Moscow, Murmansk, Nizhny Novgorod, Sakhalin, Ulyanovsk regions, in North Ossetia and in the Khabarovsk and Kamchatka Territories, maternal assistance from 130,000-205,000 rubles is offered for second children. Many programs in the regions have been extended until 2025; therefore, the value of the certificate changes annually. Indexation is carried out taking into account inflation.
For the third child
In many regions, regional assistance is provided to families with three children. The list of those that offer 40,000-50,000 rubles includes:
From 55,000-100,000 rubles, transfers are practiced in the following regions:
From 100,000-200,000 rubles is provided in the following areas:
The highest amounts of 300,000-350,000 rubles of regional capital are established:
Each region has programs to support large families.
With their help, it is possible to receive an additional payment to federal maternity capital. As a result, many problems are solved in providing families with the basic necessities. Previous How to use Obtaining data on the balance of maternity capital funds
Is it possible to obtain a certificate of capital balance through State Services?
If you intend to spend capital, the department will request a certificate of the balance of funds in the account. For example, if it was partially spent, the amount due will be less. Unfortunately, it is impossible to order such a document through State Services. It is requested at the Pension Fund branch, where the personal file of the certificate holder is kept.
If the information is needed simply for information, and not for presentation for the same real estate purchase transaction, the certificate can be ordered online in your personal account on the Pension Fund of Russia website. In any case, the service is provided to citizens free of charge and is completed within 5 working days.
