To increase fertility and regulate demographic crisis in Russia the state creates different kinds material incentives for citizens. One of these measures is the introduction of maternity capital.
Use maternal capital permitted for one or more purposes. In this article we will tell you in detail how to use maternity capital within the law.
The purposes for which maternity capital is permitted to be used are defined in Federal Law No. 256-FZ of December 29, 2006 (Part 3, Article 7):
- For children to receive education.
- For improvement living conditions residence in Russia.
- To form a funded pension for the mother or adoptive mother.
- For social adaptation and integration into society of disabled children (purchase of appropriate goods, for example, wheelchairs, prostheses and payment for the services of medical specialists in accordance with the relevant List of Goods and Services).
A peculiarity of the use of maternity capital is that the start of its use may not be earlier than three years have passed since the birth of the child, whose birth gave the right to receive maternity (family) capital.
However, there are exceptions to this rule. If maternity capital funds are used to repay the principal debt and pay interest on mortgage loan, to pay the down payment on a mortgage or to purchase goods and services for the social adaptation of a disabled child, maternity capital in accordance with Law No. 256-FZ (Part 6, 6.1 Article 7) can be used immediately upon receipt of the right to it.
The review approved by the Presidium of the RF Armed Forces on June 22, 2016 (clause 4) makes a reservation according to which the use of maternity capital to repay the principal debt under a housing purchase and sale agreement is not allowed until the child is three years old.
These are the only restrictions on the use of maternity capital funds. Otherwise, maternity capital can be spent at the discretion of the parents, including for several purposes at the same time. Law No. 256-FZ (Part 4, Article 7) allows the use of part of maternity capital for the child’s education, and the other part for improving living conditions.
Important: Upon divorce, maternity capital funds, as a measure of state support for the family with a targeted nature of use, cannot be considered as part of the joint property of the spouses and, in accordance with paragraph 2 of Art. 34, art. 38 of the RF IC and clause 1 of FNP Letter No. 2305/03-16-3 dated July 1, 2016, are not subject to division.
Let's consider an example: a certificate for maternity capital on the occasion of the birth of a second child was received by the mother during marriage. The children's parents divorce and court decision the place of further residence of the children with their father has been determined. In this case, the certificate for maternity capital remains with the mother, since the law does not provide for the division of the certificate in the event of a divorce.
Procedure for managing maternity capital
1. Submission of documents to the territorial body of the Pension Fund of the Russian Federation in accordance with the list specified in paragraphs 6, 7 of the Rules approved by Decree of the Government of the Russian Federation No. 862 of December 12, 2007:
- Application for disposal of maternity capital, drawn up in writing.
- Insurance certificate mandatory pension insurance.
- Documents proving the identity of the certificate owner. If documents are submitted through a representative - the representative’s passport and a notarized power of attorney with the appropriate powers.
2. Also in some cases, a document (passport) of the spouse of the certificate holder, a marriage certificate, birth certificates of children with a mark on citizenship are required, and, if the application is submitted by a guardian (trustee) or adoptive parents, permission from the guardianship authority to spend maternity capital funds on selected goals.
Documents confirming the chosen purposes of using maternity capital are presented separately.
The methods for submitting an application for the disposal of maternity capital are specified in paragraphs 2, 3, 3.1, 3.2 of the Rules approved by Order of the Ministry of Health and Social Development of the Russian Federation No. 779 n dated December 26, 2008. Thus, you can submit an application to the Pension Fund office at the place of residence, residence or stay in person or through your representative. You can also send documents by mail with a list of attachments and a receipt.
A method of submitting documents through the MFC is available. Finally, you can use the website of state and municipal services and submit documents and an application to in electronic format.
Electronic submission of documents and applications is also implemented through Personal Area information of the insured person PFR systems. When executive The Pension Fund of Russia will receive your documents, it will send you to electronic form notification of receipt of the application, which will indicate the period within which you will have to submit all Required documents in the form of originals. This period is five working days from the date of receipt of your application by the Pension Fund.
The period for consideration of an application for disposal of maternity capital by the Pension Fund of Russia is 30 days from the date of receipt of all documents. During this period, the Pension Fund makes either a decision to approve your application or a reasoned decision to refuse. Notification of the decision taken you will be sent within five days from the date of the decision. If your application is satisfied, then in accordance with Federal Law No. 256-FZ (Part 1, 3 Article 8), Rules No. 862 (Clause 17) and Clause 9 of the Rules approved by Decree of the Government of Russia No. 926 of December 24, 2007 g., the funds will be transferred to your chosen purpose within 10 days.
Misuse Maternity capital funds are prosecuted by law. Thus, if maternity capital is used for the purpose of cashing out with further misuse of funds, this will lead to the Pension Fund of Russia demanding the return of amounts cashed out through illegal schemes. In this case, the actions of the certificate holder may be regarded as fraud, which will entail criminal liability.
Penalties include a fine, mandatory correctional labor and arrest. If signs of criminal article 159.2 of the Criminal Code of the Russian Federation are found in the actions of the violator, restriction or imprisonment may be applied. Liberation from criminal liability only possible with existing conditions and the actions of the violator, creating the possibility of applying Art. 76.2 of the Criminal Code of the Russian Federation.
The procedure for using maternity capital funds to improve housing conditions
According to Art. 10 of Law No. 256-FZ and clauses 8-13 of Rules No. 862, maternity capital can be used to improve housing conditions if this improvement manifests itself in the forms of:
- Purchasing residential premises.
- Construction of a residential building involving contractor.
- Construction (reconstruction) of a residential building on your own, without the involvement of a construction organization.
- Payments for participation in shared construction housing.
- Payment of a down payment for the purchase or construction of housing when receiving a target or mortgage loan.
- Compensation for costs incurred for the construction or reconstruction of a residential building.
- Repayment of the principal debt and payment of interest on a mortgage loan or a loan for the construction or purchase of finished housing.
- Payment of a fee to join a housing or housing construction cooperative, etc.
Housing purchased, as well as built or reconstructed using maternity capital funds, is registered in the general shared ownership all family members, including the certificate holder, his spouse and all children. The size of the shares is determined by agreement. If housing purchased using maternity capital funds is registered exclusively in the name of children, according to Letter of the Federal Tax Service No. 216/06-11 dated February 7, 2013, the legitimacy of such a transaction will be called into question.
Conditioned by the use of maternal certificate funds during the construction of housing, registration of shared ownership in the hands of spouses and their children does not depend on the period of commissioning of the building. Even an unfinished house can be registered as shared ownership of family members, according to clause 5 of the Review, approved by the Presidium of the RF Armed Forces on July 6, 2016.
Registration of the use of maternity capital funds for the purpose of improving housing conditions involves submitting to the Pension Fund, in addition to the set of documents that we reviewed just above, additional documents, the list of which will depend on the type of improvement of housing conditions (see paragraphs 8-10, 10( 2) – 10(4), 11-13 Regulations No. 862).
The procedure for using maternity capital for children's education
The education of children, including the first, second, third and all subsequent ones, is one of the legitimate purposes for which maternity capital is provided. To pay for children's education with maternity capital funds, educational institutions must have the appropriate license and state accreditation. According to the requirements of Law No. 256-FZ (Parts 2, 3, Article 11), the age of the child at the time of starting education at an educational institution should not exceed 25 years.
In addition to paying for higher education, according to Rule No. 926 (clause 8(1)), maternity capital can also be used to pay for the maintenance and care of a child in educational organization preschool education (in kindergarten), as well as in educational institutions of primary general, basic general and secondary general education.
In addition, according to clause 6 of Rules No. 926, maternity capital funds are allowed to be used to pay for accommodation and utilities in dormitories for students from other cities.
Depending on the chosen type of educational services, payment for which is planned to be made from maternity capital, in territorial office The Pension Fund, in addition to the standard set of documents, will need to submit additional documents:
- Agreement between the educational institution and the certificate holder. The contract, in accordance with clause 8(2) of Rules No. 926, must contain the calculation of tuition fees and the obligations of the educational institution in relation to the child. Also, according to Letter No. LCh-28-24/843 of the Pension Fund of the Russian Federation and the Ministry of Education and Science of the Russian Federation No. MD-36/03, the agreement may indicate the amount allocated by the Pension Fund of Russia to pay for the maintenance of a child in an educational institution, indicate the deadline for sending funds and stipulate the possibility of returning unused funds upon expiration of the contract or upon its termination.
- Documents, in accordance with clause 7 of Rules No. 926, confirming that maternity capital funds are used to pay for the child’s stay in a hostel for non-residents and to pay for utilities.
The procedure for using maternity capital funds to form a funded pension
For mothers and adoptive mothers, Law No. 256-FZ (Part 1, Article 12) established the possibility of directing maternity capital funds to form a funded pension. To do this, the owner of the certificate for maternity capital must write an application to the territorial body of the Pension Fund of the Russian Federation, in which he indicates the purpose of using maternity capital to form a funded pension.
Mothers and adoptive mothers have the right, up to the moment they are assigned a funded pension, to abandon this purpose of using maternal capital and direct the funds to other purposes, provided for by law, according to Part 2 of Art. 12 of Law No. 256-FZ. The law (Part 5, Article 12) allows the use of maternity capital funds as part of pension savings mother (adoptive parent) when assigning her a funded pension, if she has not yet disposed of maternity capital funds up to this point.
There are not many options on where to spend the maternity capital received in your hands. Their schemes are extremely clear, and it will not be possible to go beyond them. As you know, cashing out a certificate by any means is impossible, and the punishment by law applies to all parties involved.
What exactly can you do with your certificate according to the law?
- Where to spend maternity capital - all the possibilities
- Cashing out maternity capital
- Sale of maternity capital
- Loan and loan repayment with maternity capital
Every mother (father) who has received a certificate is faced with this question. Considering that there are not many options for using capital, the choice should be approached carefully.
What documents are needed to obtain maternity capital?
So where should the funds be sent?
Maternity capital for improving housing conditions
This is the most popular option among the population. According to the law, capital funds can be spent on:
Purchase of housing (house) or its construction.
First payment when applying for a loan.
Payment of debt (interest) on a loan (loan).
Payment for your participation in shared construction.
Payment of the first installment in case of participation in housing cooperatives.
Payment for the reconstruction/construction of an individual housing construction project without/with the involvement of construction contractors.
Payment (compensation) for costs incurred by the certificate holder as a result of the construction/reconstruction of an individual housing construction project.
Note: the object of sale (construction, reconstruction) must be located on the territory of the Russian Federation.
Maternity capital for education - opportunities for mothers and children
Capital funds can be used to pay for children's education. Moreover, you can pay for the education of the child whose birth was the reason for issuing the certificate, and your other children. That is, to “divide” capital funds between them. The certificate can be sent to in this case, on the:
Payment for services of educational state and municipal institutions.
Payment for services of non-state educational institutions that have appropriate accreditation and licenses.
Payment for accommodation in your child’s dormitory.
Note: educational institution must be in the Russian Federation, and the child’s age must not exceed 25 years.
Payment for kindergarten with maternity capital - conditions and requirements
This opportunity has appeared since 2011. It involves paying for the maintenance of a child in a kindergarten and other preschool educational institutions. Restriction: this option can only be used after the child’s third birthday. How does this actually happen?
2 months after submitting the application to the Pension Fund, the funds are transferred to the organization’s account.
Payment for services is carried out by the Pension Fund regularly, in accordance with the payment schedule under the agreement with the institution.
If there are changes in the payment schedule or the amount of payments, you should submit an application with the appropriate clarifications to the Pension Fund. If changes in the amount of payments become lower, then the excess transferred funds are returned back to the capital account.
The preschool institution, as in previous versions, must be located in Russia.
Maternity capital for mother's retirement - tips and recommendations
For such an investment of capital, it is enough to contact the Pension Fund with an application. It is worth remembering that the owner of the certificate has the right to withdraw his funds after accumulating interest and dispose of them at his own discretion, choosing one of the known directions. There are two conditions for performing such an action:
Statement from the certificate owner about his refusal.
Submitting an application before the day the pension is assigned.
How to cash out maternity capital - legal possibilities
The amount of capital in 2013 is a very decent amount - 408 thousand rubles. But not every family needs expansion/improvement of living conditions, and their retirement and children’s education are still very far away. Moreover, the child may not want to go to university. Or it will be done free of charge. And an increase of 2-3 thousand rubles to the pension does not matter. That is why the issue of cashing out capital is discussed with interest in every family: after all material aid is needed today and now, and not sometime there, later. So, can the certificate be cashed?
You CANNOT receive cash using the certificate.
Despite the presence of semi-legal loopholes for using the certificate (for example, fictitious purchase of housing from relatives or other schemes), it should be remembered that if a fraudulent transaction is committed, the owner of the certificate is subject to criminal liability.
Is it possible to sell maternity capital - sale of maternity capital
There are a lot of advertisements/offers for buying and selling certificates today. It is enough to enter such a query in a search engine. But they all, as a rule, come down to the same previous topic described above about fictitious real estate transactions. Therefore, you need to understand and remember that legal ways There are only two ways to cash out maternity capital:
Mortgage.
Loan for maternity capital.
Loan for maternity capital - what can you get a loan for?
According to the federal program that exists today, maternity capital can also be used to purchase the necessary housing on credit. Not everyone can improve their modest living conditions, and the certificate allows this problem to be solved by increasing the amount for the purchase of a house (apartment). Advantages of a loan for maternity capital:
The size of the down payment, which is usually paid from personal funds, will be equal to only a tenth of the price of the property.
The loan term is up to 30 years.
In this case, guarantors are not required.
Note:
Using a certificate to obtain consumer loan not provided for by law. That is, it is prohibited.
The possibility of obtaining a mortgage using maternity capital is not available in every bank.
Repaying a loan with maternity capital - what kind of loan can be repaid?
According to the law, you can spend funds on repayment using a credit (loan) certificate, but:
The loan must only be a mortgage loan.
It is necessary to provide an undertaking certified by a notary that the applicant undertakes to allocate a share to the child after repaying the loan.
One of the strategies for increasing well-being that is unfairly deprived of attention is governmental support. Maternity capital is one of the forms of support for young families. We're talking about enough here large sums money with which you can solve, for example, housing problem.
By the way, this is not the only way and for what you can use maternity capital. Read about what this program is, how and who can use it, and what is needed for this in this issue.
The main goal of this program is to help young families with children create comfortable and decent living conditions for themselves, make it easier and better.
Let me remind you that the decision to launch this program came after the mortality and birth rates in the territory were analyzed Russian Federation as a result, the government came to the conclusion that if the situation with the birth rate and population growth does not change in the coming years, then this threatens us with a demographic catastrophe with all the ensuing consequences (economic shocks, threat to the nation, etc.).
As a result, it was decided to create favorable conditions for families who decided to have a second, third and subsequent children in the form of cash assistance, which can be directed to the most pressing family problems.
In short, you can send maternity capital funds on the:
- Monthly payments for a second child up to 1.5 years old;
- Purchase or construction of housing (house), including;
- Reconstruction of residential real estate (expansion of its area, addition of a floor, arrangement of an attic into a full floor, etc.)
- Payment for education for children, including payment for kindergarten;
- Payment for goods and services for the rehabilitation and adaptation of disabled children;
- Increasing your own pension.
Maternal, or it is also called family capital - this is money allocated by the state that is transferred to Pension Fund. And already there, work is underway with mothers and the allocation of the necessary funds to everyone who meets the conditions specified by law.
Maternity capital is issued according to a special document called a certificate.
Who has the opportunity to receive maternity capital?
Every mother who is a citizen of Russia receives a certificate for maternity capital if she gives birth to (adopts) a second child. Maternity capital applies to those children who were born from 2007 to the present. In this case, place of residence, presence or absence of a father do not matter.
Also maternal capital certificate can be received by mothers who have given birth to a third or subsequent children. In addition, maternity capital is issued if the mother gives birth to twins. However, in this case it is necessary to clarify which of the children was born second.
Fathers can also receive maternity capital. In the event that the father is the sole adoptive parent of at least two children, the last of whom must be born starting in 2007, and the children do not have a mother or she has been deprived of parental rights.
Maternity capital is not issued if the child dies during childbirth. However, if the death of a child occurs in the first week of his life, then the parents receive maternity capital.
What amount of maternity capital are we talking about?
When this program was launched in 2007, it amount of maternity capital was 250,000 rubles. But the law provides for an annual increase in this amount. It's connected with . To make it clear how the amount of maternity capital increases, here is a table:
| Year | Amount in rub. | Height [%] |
| 2007 | 250,000 rub. | |
| 2008 | 276 250,00 | +10.5% (inflation 2007 = 11.87%) |
| 2009 | 312 162,50 | +13% (inflation 2008 = 13.28%) |
| 2010 | 343 378,80 | +10% (inflation 2009 = 8.80%) |
| 2011 | 365 698,40 | +6.5% (inflation 2010 = 8.78%) |
| 2012 | 387 640,30 | +6% (inflation 2011 = 6.10%) |
| 2013 | 408 960,50 | +5.5% (inflation 2012 = 6.58%) |
| 2014 | 429 408,50 | +5% (2013 inflation = 6.45%) |
| 2015 | 453 026,00 | +5.5% (inflation 2014 = 11.36%) |
| 2016 | 453 026,00 | 0% |
| 2017 | 453 026,00 | 0% |
| 2018 | 453 026,00 | 0% |
As can be seen from the table, starting from 2015, maternity capital is not indexed. The so-called freeze is in effect until January 1, 2020. This is due to the events of 2014 and subsequent sanctions, as a result of which the Russian budget is experiencing a shortage of funds. In this regard, there were rumors that the program would be closed, but it was extended until December 31, 2021.
What is needed to receive maternity capital?
To receive maternity capital, you need to provide the Pension Fund with the following package of documents:
- Application for a certificate. ;
- Applicant's passport;
- Insurance certificate of compulsory pension insurance;
- Birth certificate for all children;
- For adopted children - a court decision on their adoption;
- If one of the parents is not a citizen of Russia, then a document confirming the child’s Russian citizenship will be required (affixed by passport and visa services).
In order to receive maternity capital, need to collect full list documents, which should then be taken to the Pension Fund office.
According to the law in Pension Fund A copy of the documents is given, and the originals are in the hands of the mother. If all documents are in order, a month later the mother receives a certificate. If the mother does not have the opportunity to personally come to the Pension Fund and pick up the certificate, it can be sent to her by mail.
What can you spend maternity capital on?
Let's take a closer look at how and what can you spend maternity capital on?. It is worth noting that maternity capital can only be used when the child turns 3 years old.
1 ) There is a list of purposes for using maternity capital. First of all, this is the improvement of living conditions. That is, the money can be used to purchase or build housing.
The purchased housing must be located on the territory of the Russian Federation and the purchase of housing must be formalized in common property. That is, you cannot buy an apartment and register it in the name of one of the family members.
In general, with maternal capital you can:
- contribute an initial fee to a mortgage;
- pay off the outstanding balance on the same mortgage;
- add to the already existing (accumulated) amount of money when buying a home;
- spend on participation in shared construction;
- to participate in a housing cooperative;
- for the construction of a house;
- for the reconstruction of the house.
2) Maternity capital can also be used to pay for a child’s education. Moreover, the funds can be spent on the education of children under the age of 25 in any educational institution in Russia. Under any educational institution This means not only universities, but also private schools, kindergartens, gymnasiums, technical schools, and colleges.
By the way, keep in mind that education can be paid for for any child, not just the second and subsequent ones. There are no restrictions on the terms of use of funds, that is, you can pay for training at any time.
Also, money from maternity capital can pay for the maintenance of a child in kindergarten.
3) Maternity capital can be directed to savings part Mom's pension. This means that when mom reaches retirement age, her monthly pension will be higher.
Funds can be sent to both state and non-state pension funds
You can also spend money in installments for specified needs. That is, you can spend part of the funds, for example 100,000 rubles, on a mortgage, then spend another 100,000 on educating your children, and use the remaining funds for retirement.
Why can they refuse to receive maternity capital?
Before submitting documents to the Pension Fund to receive maternity capital, you must check all the documents. Usually the most common reason for refusal to receive maternity capital – these are incorrectly executed documents.
In addition, you may also be refused for the following reasons:
- There is no Russian citizenship;
- You have been deprived of parental rights to your previous children;
- You have already received maternity capital.
It is important to remember that if you are denied a certificate, this is not a final decision. If you do not agree, you can appeal this decision in court. Over the years of operation of this program, quite a few cases of unlawful actions by pension fund employees have accumulated. Therefore, do not give up, but stand up for your rights.
What else you need to know about maternity capital
- You can receive maternity capital only once;
- If the amount of capital has changed, then the certificate does not need to be changed;
- There are no time limits for filing an application for a certificate;
- Maternity capital is not taxed;
So, mom received a certificate for maternity capital. Now she has to decide an important question: what to spend the money on? Our children need so much - toys, clothes, healthy food, good housing, quality education...
Maternity capital funds are clearly not enough to satisfy all the needs of the family, so it is necessary to choose the most important and necessary. Besides, legislation imposes a number of restrictions on the use of the certificate.
Limitations and features of use
- The first thing a woman needs to know is that money cannot be spent at your own discretion. The law clearly defines the purposes for which maternity capital funds are allowed to be spent.
- Secondly, maternity capital funds can be used in parts. Let’s say you need to pay 50 thousand rubles for a child’s education. Mom can write an application for this amount and use the rest of the money later. At the same time, the balance of maternity capital will be indexed every year.
- Third, money according to the certificate is not issued in person. In order to use maternity capital funds, you must write an application to the Pension Fund indicating the purpose, the required amount and the bank account to which the money will be transferred.
- Fourth, an application for the use of maternity capital funds is accepted after the child turns 2 years and 6 months. Payments are made after the child reaches three years old. There are two exceptions to the rule - mortgage payments and payments for everyday needs. In these cases, money is paid regardless of the age of the child.
What can you spend maternity capital on:
- To improve living conditions.
- For children's education.
- To form the funded part of the mother’s labor pension.
Initially, the law on maternity capital did not provide for other payments, but in 2009, due to difficult economic situation the rules have changed. Now a woman can receive a one-time payment for everyday needs in the amount of up to 12 thousand rubles.
We improve living conditions
Maternity capital funds can be invested in the purchase of real estate under construction, an apartment in a new building or secondary housing.
The law allows you to buy any real estate - apartment, house or cottage, as long as this property is located on the territory of the Russian Federation and is intended for human habitation.
You can purchase housing in any way: buy it outright, enter into a mortgage agreement (by the way, there is such federal mortgage), take part in a housing construction cooperative. If real estate is purchased under a mortgage agreement or on credit, maternity capital funds are transferred to the account of the borrower (bank or other credit institution).
Funds for the purchase of housing are sent to as usual, after the child turns 3 years old.
You can pay off your mortgage debt at any time, regardless of the child’s age. The application is reviewed within 1 month. The money is paid within 1 month after the decision is made by the special commission.
We pay for children's education
- With money from maternity capital you can pay for clubs, sections, classes in a music, sports or art school, secondary special or higher education child.
- The funds can be spent on the child’s accommodation in a dormitory during their studies.
- Tuition is paid at a state, municipal or private educational institution. A private educational institution must have a state license and the right to provide paid educational services.
- Funds from maternity capital can be spent on the education of any child in the family, and not just the one for whom the certificate is issued.
- The child must be under 25 years of age at the start of training.
- The application must be submitted 6 months before the desired payment date.
Increasing mom's future pension
Using maternity capital funds, you can increase the funded part of your mother’s labor pension. Funds may be directed both to the State Pension Fund and to non-state funds(private management companies).
If a woman writes an application to transfer funds to the funded part of her labor pension, and then changes her mind, the money is returned to the maternity capital account.
We receive money for everyday needs
Payment for daily needs can only be received once. Maximum amount payments – 12 thousand rubles. Upon receipt lump sum payment no need to wait until the child is 3 years old. Payment period is limited:
- Women who received the right to maternity capital in the period from January 1, 2007 to September 31, 2009 can submit an application to the Pension Fund until December 31, 2009.
- For mothers whose eligibility arose between October 1 and December 31, 2009, the application deadline has been extended until March 31, 2010.
Money for everyday needs is transferred within two months after submitting the application.
Regional capital differs from state size and terms of receipt. In many regions, a subsidy is issued only at the birth of a third child; in addition, requirements are established for family income or time of residence in the territory of the subject. Spending methods may vary; some areas provide the opportunity to buy a car, others allow funds to be spent only on improving living conditions.
The federal program to increase the birth rate has been operating in the country for 10 years. In addition to this, each region has introduced its own measures to support families with children. However, if the state allocates funds strictly at the birth of the second or subsequent children, then the subjects can set their own rules.
Maternity capital or regional capital is a family support measure carried out by regional authorities, serving as a complement to a similar state program.
Regional version of maternity capital
The right of a region to issue its own regulations is implemented in different ways: for example, in Dagestan the amount of payment is established by decree, in the Rostov region - by law, in the Leningrad and Belgorod regions - by the social code. Therefore, the names of the documents will be different.
When creating their own areas of family support, regions proceed from their own financial opportunities, because the incomes of different entities differ greatly from each other. There are also regions that cannot fully cover expenses with income, so subsidies are allocated to them.
In addition to the amount of the subsidy paid to families, regional authorities determine the conditions for its provision, the procedure and directions of spending. There are also many differences in this regard. This is especially true for the order of use: in some regions, you can receive money when the child reaches the age of one and a half, not three years.
Regarding the number of children in a family, we can state almost complete unanimity: most regions pay money for the third child, rarely for the second.
Note! In addition to regional maternity capital, there are other measures to support large families in the regions.
How does regional capital differ from state capital?
Maternity capital issued to families by the state and the region differs. These are two complementary programs that cannot be interchanged:
- The difference lies in the source of funds and the amount. For federal program for family support, money is allocated from the national budget, and for regional support - from the budget of a specific region. The amounts also differ: the state allocates 453,026 rubles, the regions are several times less. Basically, the amount of payment to the subject is no more than 100 thousand rubles.
- Directions for spending funds. If speak about family capital allocated by the state, then they are determined federal law. In a relationship regional assistance such directions are determined by the subjects themselves and can be supplemented or reduced. For example, in some regions the funds received can be used to install gas, electricity, water or sewerage, while in others it can be spent only on improving living conditions. However, most of the directions coincide.
- The time period after which the family can dispose of the allocated funds also varies. For federal maternity capital, the period is set at three years, for regional capital it depends on the characteristics of the subject. Mostly also three years, but there are exceptions.
- The conditions for receipt are also different. A regional subsidy can only be issued to families that have a certain level of income or live on its territory for a specified amount of time.
Important! Regional family capital, like state capital, is issued to a family only once.
Maternity capital in the regions
Subjects of the Russian Federation also support large families. Within the framework of their powers, legislative bodies adopt local laws with a social orientation. Regarding regional capital or maternity capital, it can be noted that it is issued almost everywhere. The program does not operate, but other measures to support families are used there.
All benefits assigned by the region have a single basis - the birth of a child in the family. However, the terms of provision, size and method of spending will differ. The table selectively presents information on regional capital assigned in individual regions of the country.
Table 1. Information on regional maternity capital in individual regions
| Subject | Period of birth (adoption) of the third child | Benefit amount in 2017 | Terms of service | When can I use it up? |
| Republic of Kalmykia | From 01/01/2012 to 31/12/2018; | RUB 62,348.88 | Special conditions apply only to families in which children were born in 2017: average per capita income no more than 1.5 living wage | 3 years later |
| Belgorod region | after 01/01/2012 | 55388 rub. | A woman must officially reside in the region for at least three years | 3 years later |
| Kaliningrad region | after 01/01/2011 | The third or fourth child - 100,000 rubles, the fifth and subsequent ones - 200,000 rubles. at the birth of triplets - 1,000,000 rubles. | The average per capita family income is no more than 3.5 times the subsistence minimum | After 1 year |
| Leningrad region | The period is not specified. The adopted child must not be older than three months | 117360 rub. | Russian citizenship | After 1.5 years |
| Pskov region | No period specified | 100,000 rub. | Average per capita income is not more than the subsistence level | 3 years later |
| Rostov region | after 01/01/2012 | RUR 117,754 | The average per capita family income is not more than the subsistence level | 3 years later |
You can get acquainted with information about regional maternity capital in relation to all constituent entities of Russia.
Important! Many regions provide financial support to families only upon the birth of a third child. In addition, this assistance is conditional, that is, to receive Money Certain criteria must be met: family income, registration in the region.
What can regional capital be used for?
The directions for using regional subsidies in most regions are the same. The most popular ways to spend regional benefits are:
- Improving the family’s living conditions, including purchase, construction, renovation, payment of the first or subsequent installments, . In the Belgorod region, according to the Social Code, funds can only be spent on housing.
- Acquisition of land for or summer cottage. This method is not available in all regions, but it is possible, for example in Kalmykia.
- Education of the child, and he can receive education at any level, from a music school to a higher educational institution.
- Treatment or rehabilitation of a disabled child; in addition, the funds received can be used to purchase special vehicles or devices.
- Purchasing a car or household appliances that has long term services. This direction is not available in all regions, for example, in Leningrad region a family can purchase the specified equipment if one of the children is disabled or the number of children is more than five.
- Some regions allow you to spend your allowance on a device engineering communications. This includes: gasification, electrification, water supply, sewerage, construction of wells and boreholes. Such conditions have been observed in the Rostov region and the Republic of Kalmykia.
Note! Improved living conditions, treatment and education for children are available in almost all regions. To obtain more accurate information, you need to refer to the law of the subject.
Video on the topic:
Table 2. What regional maternity capital can be spent on (full list of regions).
| Subject | Size, rub | How to spend | When to use | Conditions and features |
| Altai region | 55387,5 |
| after 3 years | |
| Amur region | 100000* | improvement of living conditions | no limits | valid until 12/31/2016 |
| Arhangelsk region | 50000 | personal needs | can be used after 2 months from birth or 1 year from adoption | having Russian citizenship; residence in the region for at least 3 years; obtaining status large family |
| Astrakhan region | 58764 | methods are not limited | in 2 years | large families subject to registered marriage or single mothers living in the region for more than 3 years; income below the subsistence level |
| Belgorod region | 55388 | improvement of living conditions | 3 years later | permanent residence in the region for at least 3 years |
| Bryansk region | 100000 |
| 3 years later | You can use the money to pay interest and loan installments earlier |
| Vladimir region | 50000 | not limited | in 1.5 years | permanent residence in the region |
| Volgograd region | 70000 | determined by social protection centers | 3 years later | valid from 01/01/2016 |
| Vologda Region | 100000 | not installed | in 1.5 years | when twins are born, benefits are given for each |
| Voronezh region | 100000 |
| in 2 years | residence in the region for at least 1 year |
| Jewish Autonomous Region | 120000 |
| 3 years later | accommodation in the region |
| Transbaikal region | 50000 | for family needs | not installed |
|
| Ivanovo region | 50000 | any goals | from birth to 3 years | residence in the region for at least 3 years |
| Irkutsk region | 100000 |
| 3 years later | valid until 12/31/2018 |
| Kabardino-Balkaria | 250000 | improvement of living conditions | within a year after receiving the certificate | The subsidy is given only for 5 children |
| Kaliningrad region | 3 and 4 – 100000 Triplets – 1,000,000 |
| after 1 year |
|
| Kaluga region | 50000 | not installed | during a year | accommodation in the region |
| Kamchatka Krai | 1st – 100000 |
| no restrictions set | the program is valid until 2015, the subsidy is also provided for the birth of the first child by a woman aged 19 to 24 years |
| Karachay-Cherkessia | 100000 | not limited | 3 years later | subsidy is provided for the 4th child |
| Kemerovo region | 130000 | improvement of living conditions | not installed | accommodation in the region |
| Kirov region | 3rd – 75000 | not installed | for children born before December 31, 2016, payments are provided for the period from 6 months to 1 year; for children born after this date, payments are made after 1 year until the child reaches 2 years of age | residence in the region for at least 1 year |
| Kostroma region | in the amount of the down payment, but not more than 200,000 | improvement of living conditions | not installed |
|
| 100000 |
| 3 years later | accommodation in the region | |
| Krasnoyarsk region | 100000 |
| 3 years later | accommodation in the region |
| Kurgan region | in the amount of the cost of 18 sq.m. housing | improvement of living conditions | undefined |
|
| Kursk region | 75000 For triplets – 100,000 |
| 3 years later | accommodation in the region |
| Leningrad region | 117360 |
| in 1.5 years |
|
| Lipetsk region | 50000 For twins – 100,000 For triplets 120,000 | not installed | not installed |
|
| Magadan Region | 100000 |
| not installed | benefits are also given for the first child born to women under 25 years of age |
| 100000 |
| 3 years later | birth of a second child | |
| Murmansk region | 100000 |
| not installed | accommodation in the region |
| Nenets Autonomous Okrug | 300000 |
| in a year | residence in the district for at least 1 year |
| For the 2nd – 25,000 For the 3rd – 100,000 |
| from birth for the 3rd; After 1.5 years for the 2nd child | accommodation in the region | |
| Novgorod region | 100000 200,000 – if the family improves their living conditions |
| not installed | residence in the region for at least 2 years |
| Omsk region | 100000 |
| 3 years later | |
| Orenburg region | 116 866 |
| 3 years later | birth of 3 children and residence in the region |
| Perm region | 100000 |
| in 2 years | birth of 3 children and residence in the region for 5 years |
| Primorsky Krai | 150000 |
| in a year | birth of 3 children and residence in the region, citizenship |
| Pskov region | 100000 |
| 3 years later | family income is below the subsistence level |
| Republic of Adygea | 50000 | not installed | not installed | birth of 3 children and residence in the Republic |
| Altai Republic | 50000 |
| 3 years later | birth of 4 children and residence in the Republic for at least 1 year |
| Republic of Bashkortostan | 100000 |
| not installed | subsidy is paid for the adoption of a child |
| The Republic of Buryatia | 50000 |
| not installed |
|
| The Republic of Dagestan | for 5 – 10000 For 10 – 300000 For twins – 20,000 For triplets 100,000 | not installed | within a year after birth | accommodation in the Republic |
| Republic of Kalmykia | RUB 62,348.88 |
| 3 years later | special conditions apply only to families in which children were born in 2017: average per capita income no more than 1.5 times the subsistence level |
| Republic of Karelia | 105500 |
| in a year | Residence in the Republic, birth of 3 children |
| Komi Republic | 150000 |
| in six months | Permanent residence in the Republic, birth of 3 children |
| Mari El Republic | 50000 | not installed | not installed |
|
| The Republic of Mordovia | For the 3rd – 125270 For the 4th – 150324 For the 5th 187906 |
| 3 years later |
|
| The Republic of Sakha (Yakutia) | 100000 |
| not installed |
|
| Republic North Ossetia Alania | 50000 | for family needs | 3 years later |
|
| Tyva Republic | 50000 |
| 3 years later |
|
| The Republic of Khakassia | 100000 For small villages – 200,000 |
| it's installed |
|
| Rostov region | 117754 |
| 3 years later | family income below the subsistence level |
| Ryazan Oblast | 61173,57 |
| after 1 year |
|
| Samara Region | 100000 |
| after 1 year |
|
| 100000 |
| 3 years later |
|
|
| Saratov region | 100000 |
| 3 years later |
|
| Sakhalin region | 204263 |
| 3 years later |
|
| 150000 |
| in 2 years Regardless of the period, if money is needed to repay a loan or rehabilitate a disabled child |
|
|
| Smolensk region | 163 300 |
| 3 years later |
|
| Stavropol region | ||||
| Tambov Region | 100000 | purchasing a house, gasification, renovation | not installed |
|
| Tver region | 50000 | improvement of living conditions; carrying out engineering communications; purchase of furniture and household appliances; purchase of a car and agricultural machinery or animals | in a year |
|
| Tomsk region | 100000 |
| 3 years later |
|
| Tula region | 50000 |
| not installed |
|
| Tyumen region | 40000 | for family needs | not installed |
|
| Udmurt republic | 300000 | to pay off debt loan agreement | not installed |
|
| Ulyanovsk region | On the 2nd – 50000 On the 3rd – 100,000 On the 4th – 150,000 On the 5th 200000 On the 6th – 250 00 On the 7th 700000 |
| in 1.5 years | accommodation in the region |
| Khabarovsk region | 200000 |
| in 2 years |
|
| Khanty-Mansi Autonomous Okrug-Yugra | 100000 |
| after 1 year |
|
| Chelyabinsk region | 50000 |
| Not installed |
|
| Chuvash Republic | 100000 |
| 3 years later |
|
| Chukotka Autonomous Okrug | 100000 | for family needs | in 2 years |
|
| Yamalo-Nenets Autonomous Okrug | 350000 |
| after 1 year |
|
| Yaroslavl region | 56606 | for family needs | not installed |
|
*The amount of capital is indexed. For getting exact amount Please refer to local regulations
Accepted abbreviations: PP – Government resolution, PA – Administration resolution.
Author: . Higher legal education: North-Western branch of the Russian Academy of Justice (St. Petersburg) Work experience since 2010. Contract law, tax consulting and accounting, representation of interests in government agencies, banks, and notaries.
June 24, 2017.