With the birth of a child, family expenses increase. However, the state reimburses part of these costs in the form of payments:
- allowance for registration at the antenatal clinic;
- maternity benefit;
- lump sum benefit for the birth of a child;
- monthly child care payments;
- maternal capital.
If the parents receive all the money they are owed in full, it is quite possible to use it, for example, to buy an apartment in Mikhailovsk.
Latest changes and news of maternity capital – 2021
The latest news is that maternity capital indexation will not be carried out until 2021! How much is maternity capital in 2017? The exact amount is 453,026 rubles. Over the 10 years of the program, the amount of state aid has almost doubled - from 250,000 rubles.
Matkapital was put into effect by Federal Law of December 29, 2006 No. 256-FZ. It was initially assumed that government support for families would end at the end of 2021. Until what year will the “maternity capital” program be valid? At the moment, it has been extended until the end of 2021.
How to cash out maternity capital balances
The Pension Fund can provide all information about the state of your capital. Funds allocated under the program are carefully accounted for and transferred only for their intended purpose. The remaining funds can be used to pay for the education of your older children or transferred to a funded pension. It is impossible to withdraw this money in cash.
How much does it cost to cash out maternity capital?
Many dubious companies offer to cash out your capital, but first they demand a good commission, after which they disappear. Any manipulations with maternity capital, other than those specified in the law, can cost you your freedom. Cashing out using “gray” schemes, if successful, will cost you 20-30% of the capital amount.
How to get a certificate?
Instructions for receiving:
- wait until the child is 3 years old. If the funds are used to pay off a mortgage or to purchase funds to care for a disabled child, then this period may not be met;
- contact the Pension Fund or the MFC at your place of residence and submit the necessary documents confirming your right to receive;
- wait for notification by mail that a positive decision has been made;
- wait for funds to be allocated for these purposes. The money will be transferred by bank transfer.
Registration is quite quick, but the certificate can be used for most purposes once the child reaches 3 years of age. The procedure for obtaining it is strictly regulated.
Monthly child care allowance
40% of the average salary for the previous two years - this is how much money is transferred to the woman as a monthly child care benefit. The minimum that mothers who have given birth to their first child can count on is 3,065 rubles, the maximum is 23,120 rubles (if the official salary is more than 53,916 rubles).
It is not recommended to go to work instead of parental leave, since in this case the benefit will be canceled. However, you can legally earn extra money while on vacation, as well as work as a freelancer. There is another way to simultaneously receive benefits and a salary - arrange child care payments for working grandparents.
To whom and for which child is maternity capital issued?
Capital is issued for the birth of a second or subsequent child. You can get it:
- mother or adoptive parent of the child;
- father, if he is the only adoptive parent;
- father, if the child’s mother died or was deprived of parental rights in relation to him, and did not have time to receive it.
They will not issue a second certificate for the birth of a third child, although this possibility was discussed, but did not find support in the relevant departments. Although in some regions the so-called regional maternity capital is issued for the third child. You can find out about regional assistance to mothers of many children from the social security authorities of a particular region.
What are we even talking about?
Despite the fact that the issuance of maternity capital funds in cash is not provided for by the program, the government has begun to practice issuing a small part of it in the form of “real” money.
As is well known, maternity capital is issued to parents or adoptive parents of the second, third or any of the following children (but only one) in the form of a certificate for an amount specified by law. Starting from 2021, this amount is frozen and is equal to 453,026 rubles; it will remain this way until at least 2021. The certificate can only be used for a very limited list of purposes, and, unfortunately, many parents often simply keep it and cannot use it. These goals are:
- Improving living conditions - many people manage their capital funds in this way, but 400 thousand cannot be called a sufficient amount to completely close a mortgage or purchase a home, so if parents simply do not have the funds to cover the remaining cost of housing, they cannot do anything. Regarding recent questions, of those who nevertheless decided to use maternity capital, 73% will use it for this purpose.
- Education for a child is a good option, but you need to wait until the child grows up and you can send him to study at a paid university. The problem is that over these years the funds will be eaten up by inflation. However, 25.5% still chose this option.
- Pension for the mother - parents rightly do not trust the country’s pension system, and the government’s actions in relation to citizens’ savings accounts confirm that they are right. Only 0.5% chose this option.
- Purchasing goods and services for a disabled child - fortunately, the list of acceptable expenses of capital has been expanded by this item, and it will be a little easier for parents who find themselves in such a difficult situation to cope with it. But, fortunately, they are a minority - 1.5%.
Four out of five certificate holders have made their choice, and every fifth does not yet know what to do with it. Thus, it turns out that the program does not work as we would like, but parents always need money. Based on this, especially given the deteriorating economic situation, the government decided to make one-time payments from maternity capital. In 2015 it was 20,000, in 2021 - 25,000.
What can you spend on and how to use maternity capital in 2017?
Capital has a strictly designated purpose. Where you can use it in 2021:
- expansion of living space;
- mother's pension;
- children's education;
- adaptation of disabled children.
How to cash a certificate? Funds are spent by bank transfer! All offers to cash out maternity capital are illegal. Their use entails criminal liability under Article 159.2 of the Criminal Code of the Russian Federation - fraud in receiving payments. You can only receive a lump sum payment in cash, if provided!
Allowance for registration up to 12 weeks in consultation
The expectant mother receives her first payment in the early stages of pregnancy. Before 12 weeks, she must contact her local gynecologist and get a card at the clinic. The benefit that a woman will receive in 2021 is 613 rubles 14 kopecks.
Paid at the place of assignment to everyone, except those who quit voluntarily. In addition to this amount, additional money may be accrued from the regional budget (for example, in Moscow and St. Petersburg).
One-time payment from maternity capital in 2017
Is it possible to cash out part of the maternity capital in 2021? There will be no lump sum cash payment as in previous years. This amount in 2021 was not approved by either the Ministry of Labor, the Ministry of Finance, or the Ministry of Economic Development. Therefore, the introduction of such an anti-crisis measure is not yet envisaged this year, although everything may change.
What can you spend 25 thousand from maternity capital on? If the government nevertheless approves a one-time payment for 2021 and allows 25 thousand rubles to be cashed out, then, as in previous years, the money can be spent for any purpose.
Will the lump sum payment be extended? Now this bill is at the discussion stage, and if it is adopted, then the issuance of part of the funds from maternity capital will resume no earlier than the fall of 2021, and will be valid until mid-2018.
Is it possible to withdraw 50,000 rubles from maternity capital in 2021?
When calculating per capita income in families, all payments must be taken into account before taxes are deducted. That is, if a person receives 20,000 rubles, and is given 17,400 rubles in his hands, then exactly 20,000 rubles will be taken into account in the calculation of income.
The law establishes a list of types of income that must be taken into account in calculations. This includes:
- wages (not only salary, but also bonuses, compensation and other incentive payments);
- pensions, scholarships, benefits and various social benefits;
- business income;
- compensation from the state;
- allowances for military personnel in material form;
- insurance payments in favor of legal successors.
Moreover, if part of the income was received in foreign currency, then before summing up the amounts are recalculated on the date of receipt of income at the rate of the Central Bank of the Russian Federation.
When calculating the average per capita income, it is necessary to correctly take into account those for whom the income will be summed up. This includes the child’s parents or guardians, spouses who are not blood relatives of the born child (stepmother, stepfather). Minor children also need to be taken into account, but as family members, who will also have to divide the final amount of income.
The calculation of average per capita income itself can cause difficulties for an ordinary citizen. For independent calculation you need:
The resulting value must be compared with 2 living wages. If it is not more, then the payment will be issued to the family if all other requirements are met.
The government believes that the payment of 25,000 rubles. from maternity capital in 2021 is not advisable.
Today it is known that such a support measure will not be allowed. Of course, it is possible that a corresponding bill will be adopted at a later period, similar to 2021, when funds were allowed to be withdrawn in mid-summer. Petitions from citizens are being collected on the Internet with requests to make payments annual.
However, here it is necessary to remember the main goal of introducing maternal capital - to improve the living conditions of families with minor children.
The government is still considering allowing the withdrawal of part of the funds from the MK annually in a fixed amount. Basically, such bills concern only low-income segments of the population. Time will tell whether they will be implemented. It is worth noting here the size of the lump sum payment. As a rule, it increases every year depending on the severity of the crisis situation in the country. In 2021 it was 25 thousand rubles, a slight increase in the following years to 30-35 thousand rubles is possible. It is now quite difficult to say whether families should hope to make a decision on payments from the MK. It is worth noting that in 2021, significant changes were introduced in the procedure for issuing maternity capital. Namely:
On January 15, 2021, in his annual message to the Federal Assembly, V.V. Putin. announced the following changes:
- It is planned to increase maternity capital by 150,000 rubles. Thus, the amount of MK for 2 children will be 150,000 rubles. + 466,617 rubles
- Maternity capital will be issued for the first child. The amount for 1 child will be 466,617 rubles
- For families with 3 children, there remains a benefit compensating for 450,000 rubles. to pay off the mortgage.
- The maternity capital program has been extended until December 31, 2026.
In the event that the decision on one-time payments from the MK is nevertheless made, certificate holders will need to apply for them to the Pension Fund or MFC. For this purpose, you will need to provide:
- Passport and SNILS of the certificate holder;
- Birth certificates of children;
- Bank details.
Together with the PF employee, the owner of the MK will write a statement in the form established by law. It indicates the direction of the funds, their exact amount, and passport details. The certificate holder must also confirm his positive reputation: the statement indicates that he has not committed illegal actions towards children, has not been deprived of parental rights, etc. Pension Fund employees are given one calendar month to check documents and make decisions on payments. If approved, the money will be credited to the owner’s account no later than ten days.
If there are less than 25 thousand rubles left in the certificate account due to a previously used targeted direction of funds, the owner will be given the balance. For example , there are 15 thousand rubles left on the certificate account, they are transferred to the owner’s card, completely cashing out the MK. Here it is worth considering that the agreed amount is issued provided that there is enough money on the certificate. Otherwise, it is simply reset completely.
It is necessary to submit an application for a one-time payment within the deadlines established in the bill. It is also worth carefully studying all the conditions for providing payments, and seeking advice from the Pension Fund or MFC in advance.
Procedure for receiving money from MSK
- Open a bank account to which funds from the state will be received;
- Collect a complete package of documents: passport, SNILS, certificate from the bank with account details, certificate for payments.
- If the certificate is already in hand, then you need to contact the public services center. If the required document is not available, you need to apply for it from the Pension Fund;
- Submit all the documents you have collected to the pension fund or government service center.
Within 1-2 months, money from your maternity capital will be credited to your account.
You can also submit an application online if you have a certificate. To do this, register on the Pension Fund website and in your personal account, in the “Submitting an application for MSK” tab, indicate all the necessary data.
Some details about maternity capital
The demographic indicators of the Russian region are not impressive, so they created a special program. Its essence is that families where the 2nd, 3rd and other children were born or adopted, from January 1, 2007 to December 31, 2021, will definitely receive a document on the disbursement of funds. This is a kind of support from the Government, albeit not too significant.
Children must have Russian citizenship, and their parents must not use other similar state support in an additional manner. As you understand, the most pressing issue concerns this area.
The social side of the program has a positive impact on the demographic situation. Funds are mainly spent to improve family and housing conditions.
