Changes in the maternity capital program. Submission of bills to the State Duma

Update: 19:07 04/17/2019

Maternity capital in 2019 - size and latest news

In 2019, the freezing of maternity capital lasted; it, as in the previous year, is 453,026 rubles. Next time will pass in 2020after which certificates for mother capital will be issued in volume 470,241 rubles. The program itself will be until the end of 2021However, with a high degree of probability it will be renewed again.

Will there be indexing?

purchase of housing (under a contract of sale, a loan agreement or a loan agreement, an equity agreement, as well as participating in cooperative construction);
construction or reconstruction of a private house (with the involvement of a contractor or not).

Children education:

obtaining paid educational services for educational programs in organizations that have received a license to conduct relevant activities;
payment of utilities and use of housing in the hostel for the duration of studies in a higher or secondary educational institution;
payment for preschool education of children.

Increase mother's funded pension due to MK.

Acquisition of funds and payment for services for social adaptation of disabled children.

from MSCs to the second child.

To apply for an order of maternity capital must pass three years from birth (adoption) of the child, giving the right to MSCs. However, to use the means of a personalized certificate, it is not necessary to wait three years, among them:

Purchase or construction of housing with a loan or loan (with the conclusion of a mortgage agreement or not), the capital of the capital can be used for:
- payment of the first installment;
- repayment of principal and interest.
Payment for kindergarten, nursery (both municipal and private), as well as other services for the care and supervision of the child.
Second child allowancepaid from the funds of the certificate for family capital every month until the child is executed one and a half years. You can apply for this measure of state support if the child appears in the family not earlier than January 1, 2018. In addition, the monthly average per capita income of a family should not exceed one and a half times the living wage for the working population established in a specific region. Payments themselves are provided in the amount of a living wage per child.
Paying funds for social adaptation of disabled childrenif the corresponding goods are marked in the program of rehabilitation and adaptation of the child. The list of goods for the purchase of which you can get compensation from the means of the MSC is established by Government Decree No. 831-r dated 04/30/2016.

Changes and breaking news

As noted above, in 2019, the size of the MK certificate did not increase, and no new spending areas (from 2018) were added. However, some changes did occur:

The decision to issue the applicant an MSC certificate is now not made for 1 month, and within 15 days. Law No. 390-FZ, which amends accordingly, has already entered into force.
Since 2019, federal law No. 217-FZ of July 29, 2017 on the conduct of horticulture and gardening came into force, thanks to which the capital can be legally allocated to the construction of an IZHS on a garden plot (SZU), in the past - a summer cottage. The main thing is that the object under construction is not a garden house or an outbuilding.

In 2018, more significant innovations were added to the maternal program:

A new direction in the use of MSCs has appeared - monthly payments from the certificate for the second child in the familyborn or adopted, starting from 01.01.2018.
To pay for kindergarten and other types of preschool education for children, more no need to wait 3 years from the birth (adoption) of the second child in the family. You can apply for the disposal of funds immediately after issuing a personal certificate.
Vladimir Putin signed a law on the extension of family capital until December 31, 2021.

Also in 2018, the state added another measure of support for families that is not directly related to capital. Upon the birth of a second or subsequent child (the benefit does not apply to adopted children) from January 1, 2018, families receive the right to apply for a mortgage at a reduced rate - 6 percent per annum.

“This program was initiated by your humble servant. In 2006, they began to talk about it, in 2007 it was introduced and is designed for the period until 2016 inclusive.<...> We initially and consciously chose this period, because we must be absolutely sure that the federal budget will cope with the obligations that it has on the payment of this maternity capital.

<...> What will happen after the 16th year? I believe that in one form or another, we will have to continue programs to support the birth rate of children in our country, but they should be more targeted, they should be more targeted.<...> I do not think that maternity capital will be completely abolished after 2016, but I also believe that this is not the only measure necessary to support families with children. "No less, and maybe more help (at least for residents of large cities) will be the development of social infrastructure and a network of preschool institutions."

What questions about maternity capital did citizens want to ask the President in 2015?

Since June 15, 2018, significant changes have taken place in the program of maternity capital: the possibilities for managing funds of the capital have been improved and expanded.

Maternity capital: new changes since June 15, 2018 have significantly expanded the possibilities for managing the funds of the capital

As you know, the federal program maternal capital was extended, and now it can be received by all Russian families where the second or subsequent child was born before December 31, 2021.

In this regard, the Government considered it appropriate to finalize and expand the possibilities for disposing of funds maternal capital .

Starting this year, the list of areas for which the money provided by the state can be spent has expanded significantly - these are:

improving the living conditions of the family,
payment for educational services for the child,
the formation of a mother's funded pension,
purchase of goods or payment for services intended for the social adaptation of children with disabilities,
receiving a monthly cash payment until the child reaches the age of 1.5 (if he was born in 2018 or later).

And just the other day, the Prime Minister signed an important Decree of May 31, 2018 No. 631, which allowed to further expand the possibilities for managing funds maternal capital.

This time supplemented with the most common of the above areas - improving housing conditions.

Recall that maternity capital can be paid in full or in part:

purchase of housing (through any legal transactions),
expenses for the construction or reconstruction of a residential building, which the family carries out on its own,
loan debt, which was taken for the above purposes (including paying the down payment, the amount of the principal debt, as well as accrued interest).

New changes have affected the rules for repayment of loans by maternity capital. Solving the issue of disposal of maternity capital funds, the law divides all loans into two categories:

mortgage loans, i.e. drawn up directly for the purchase of housing, in support of which housing is pledged,
loans that were taken with the aim of re-lending a previously taken mortgage, i.e. the intended purpose of such a loan does not indicate “acquisition of residential premises”, but nonetheless, its funds are used to repay the mortgage obligation.

Such refinancing is often used to reduce the interest rate on a mortgage and obtain a loan on more favorable terms.

So, with regard to mortgage loans, their purpose (improvement of housing conditions) fully fits into the framework of the maternity capital program. Therefore, such loans are allowed to be repaid by maternity capital without any restrictions - regardless of when the loan was issued (before or after the birth of the second child).

But with the second type of loans (for refinancing mortgages) it is more difficult: their purpose is changing.

Therefore, before they could be paid with maternal capital only under one condition: if the obligation to the bank arose before the birth of the second child (or the next, with which the occurrence of the right to maternity capital is associated).

For example: the second child was born in the family in 2016. In 2017, they bought an apartment on a mortgage, and after a while they took a regular loan, paid off their mortgage and now pay it.

In this case, this loan cannot be repaid by maternity capital, because loan commitments arose after the birth of the second child. If the mortgage was formalized, conditionally, in 2014, in 2015 - refinancing, and the second child was born in 2016, then the last loan could be paid by maternity capital.

What is changing from June 15, 2018?

Subject to new changes, this restriction regarding re-lending is removed:

From now on, it will be possible to direct maternity capital funds to repay refinancing loans, regardless of when they were taken - before or after the birth of the second child.

Thus, mortgages and refinancers are finally fully balanced.

At a cabinet meeting, it was noted: “People need more freedom in the management of money. In this context, I signed a government decree, which gives the right to spend maternity capital on loans, including mortgage loans, regardless of when the need arose. That is, both before and after the birth of the second child and subsequent children, ”said Dmitry Medvedev.

He explained that previously capital could be used to refinance loans only if obligations arose before the birth of the second child.

Deputy Prime Minister Tatyana Golikova noted that in Russia there was a tendency to reduce mortgage rates and many families expressed a desire to direct maternity capital to refinance loans, but they did not have such an opportunity before. “We tried to assess the potential size of families that can exercise this right. This is approximately 1.9 million families, ”said Golikova.

Parents with a second child in their family after 2007 receive maternity capital. The amount of payments was indexed annually until 2015. Since 2016, the increase in maternity capital has been frozen until 2020. From January 1, 2019, a number of changes will come into force in the procedure for registering maternity capital.

Whether maternity capital will be canceled in 2019, the latest program news, whether there will be indexation of payments - we will understand in this article.

Latest news and program changes

November 12, 2018 In the State Duma, the Ministry of Labor and Social Protection prepared a bill amending Article 10 of the Federal Law “On Additional Measures of State Support for Families with Children”. It is planned to simplify the procedure for obtainingmaternity capital for building a house. After the adoption of the amendments it will be enough to send a notification to the authorized body about planned works in which to indicate the dimensions of the future building, the total living area, the number of floors. IN within 7 days a notice should be received from the department on permission to use maternity capital funds for the construction or repair of a house.

The law is currently under review and discussion.

The amount of maternity capital in 2019

Maternal capital for a second child is increasing annually. Initially, the exact amount of payments for the second child was 250,000 rubles. In 2018, the exact amount of maternity capital is 453,026 rubles.

Let us consider in the table the indexation value of maternal capital from 2007 to 2018 in correlation with the inflation rate.

Year	Amount (rub.)	Indexing	Inflation
2007	250, 000	0	11, 9
2008	276, 250	10, 5	13, 3
2009	312, 163	13	8, 8
2010	343, 379	10	8, 8
2011	365, 698	6, 5	6, 1
2012	387, 640	6	6, 6
2013	408, 961	5, 5	6, 5
2014	429, 409	5	11, 4
2015	453, 026	5, 5	12, 9
2016	453, 026	0	5, 4
2017	453, 026	0	2, 5
2018	453, 026	0	3, 1

MK size has remained unchanged since 2015. The Ministry of Labor explains this by saying that maternity capital is not a standard monthly allowance. This means that it is not subject to a constant increase in connection with inflation in the country.

Indexation of maternity capital in 2019-2021

If we talk about will indexing, then it is unlikely that the size of these payments will increase. In connection with the temporary cancellation of the indexation of payments MK over the next few years, the amount will remain unchanged and will be 453 thousand 26 rubles. The amount of maternity capital in 2019remains unchanged.

On September 27, 2018, Dmitry Medvede announced at a government meeting that maternity capital would be raised to 489,000 rubles in 2021.

“In 2021, maternity capital will grow to 489 thousand rubles,” he said. “We have already put in the budget money for its indexation.”

Medvedev said that work will continue to create places in kindergartens for children under three years of age, in addition, the government will work to improve the quality of medicine in order to increase the life expectancy of the population. According to TASS.

Options for using maternity capital in 2019

All the conditions that explain what you can spend MK, also do not change. This also applies to the terms, since assistance for the usual needs of a young child is allowed to be used only a few years after his birth.

The most important conditions for using MK - it is meeting the needs of children:

Home purchase. Financial assistance is provided subject to two important conditions - the transaction should improve the living conditions of the family, and children are required to obtain rights to part of the property.
Children education. Funds can be spent on any educational needs. For example, to pay for a hostel at an appropriate institution or for courses.
The purchase of special goods for a child with a disability.
Formation of a funded pension for the mother. But only the baby’s mother has the right to use MK in this way. My father does not have such an opportunity.

It is forbidden to spend money on the needs of parents or third parties. There are so-called urgent goals for the implementation of which money is provided ahead of time.

These include:

Payment of a mortgage loan or repayment of other loans for the purchase or construction of housing. This also includes participation in a housing cooperative or DDU.
Getting help for low-income families - monthly payments from maternity capital. Money is paid for a year and a half. It can be used if the second child was born on January 1, 2018, and the average family income is below the subsistence level in the region.
Payment of services for the maintenance of babies in kindergarten, nursery.
Compensation of money spent on the purchase of goods (services) for a minor with a disability.

Payout mat. cash capitalstrictly prohibited by the state, as well as its cashing. Parents can use this allowance through bank transfer through the FIU.

Monthly benefits for a child from maternity capital in 2019

In December 2017, President of the Russian Federation V.V. Putin signed a decree aimed at introducing a new law for state support for families with small children. This normative act is Federal Law No. 418 of 28. 12. 17, a regulatory mechanism for supporting families in which the average per capita income for each family member is below the subsistence level in the region.

The allowance for the first-born is paid from the federal budget and amounts to about 10 500 rubles in 2018. In 2019, it is planned to increase this amount by approximately 1 thousand rubles. As for surcharges for other children, a mat is used for this. capital provided for the second child.

Mother and father (adoptive parents) can apply for an additional payment through social security authorities. The amount of this financial assistance is indicated in federal law. After registration, the amount equivalent to the regional subsistence minimum will be received in the mother or father’s bank account.

On average, the surcharge for the second child will be the same as for the first child. A little more than 10 thousand rubles. For example, in the capital the cost of living is 15 thousand rubles, and in the Belgorod region - a little more than 8 thousand rubles.

Terms of providing this supplement:

The family must correspond to the status of the poor. According to Federal Law No. 418, the amount of income per month per person should not exceed the established PM more than one and a half times. The newborn baby is taken into account, as well as all income, including pensions, scholarships that family members can receive.
The baby must be born (to be adopted) after January 1, 2018 (after the entry into force of the law).
Mom and Dad must be legally married. Without a certificate of his conclusion, it makes no sense to submit documents.
Spending money is allowed for any needs, including food, clothing, travel.
Monthly payment is provided the first 1.5 years after the birth of the child.
The payment can be issued together with the standard maternity allowance for the care of the newborn paid by the Social Insurance Fund or social security authorities.
The "Putin" allowance is paid only for the first and second child. And it can not be issued on third newborn baby. For large families, there are additional regional benefits.
One year after the filing of the documents, the applicant needs to renew the surcharge. This is necessary to confirm the financial situation of the family. Without renewal, payments will be suspended.

Monthly benefits for a child from maternity capital from January 1, 2019will be paid on the same terms as in 2018.

Changes in maternity capital in 2018

The program governing the provision of parental benefits has been in effect for 11 years. The deadline is constantly being postponed. It was not known whether maternity capital would be abolished or the Government would increase its size. In 2017, the Federal Law was adopted, extending its validity until 2021. It is valid from January 1, 2018.

New changes in the use of MK include:

The ability to receive a monthly fixed allowance. Those, to whom is it laid, can issue and receive them within 1.5 years from the birth of the baby.
The certificate allows you to pay for child care services. This refers to pre-school institutions where mom and dad give their children to continue to work if necessary. Pay kindergarten for funds from the mat. capital is allowed without waiting 3 years from the birth of the baby.

Previously, maternity capital was indexed in 2015, and today the figure reaches 453,026 rubles. In addition, due to the current economic situation in the country, Vladimir Putin signed a decree banning indexation until 2020. This is required to save budget funds. At the same time, experts agree that the program should change in the future. The most recent initiatives in this regard indicate that the State Duma has proposed abandoning the lump-sum payment within the framework of maternity capital, and replacing it with monthly payments that will allow parents to better manage their child support money. In particular, it is proposed to pay three thousand rubles for one child, eight thousand for two and 15 thousand for three children. It is expected that benefits will be available to all parents, regardless of the financial situation of the family. Families will be able to receive this support exactly until the child is 18 years old. Recall that maternity capital is a family support program that has been operating in Russia since 2007. It aims to support families in which the second and subsequent children were born. Maternity capital funds can now be used to improve housing conditions, to educate a child, to provide mothers with pensions, or to equip an apartment for a child with disabilities. Funds can be managed at your discretion after the child reaches the age of three. The only exceptions are when it comes to acquiring an apartment in a mortgage, or depositing funds into an existing mortgage loan. Read us on Yandex Zen

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… about maternity capital

The State Duma discussed the abolition of maternal capital

Proposals to replace maternal capital with other forms of support for families with children were discussed in the State Duma. The authors of the idea, however, no longer insist specifically on the abolition of the capital, but simply offer to strengthen support for families through benefits, and in addition to allocate land and cars to large families. However, in developed countries, it is customary to support families with children with tax benefits and paying for nanny services, Gazeta.Ru found out.
The continuation of the maternity capital program is again in doubt: on March 23 at a round table in the State Duma, they discussed the proposal to replace it with increased child allowances and the allocation of land to large families. Experts suggest looking at foreign experience - in developed countries a wide range of measures is applied, from tax cuts to subsidies on rents and payment of services for nannies.
The experience of France could serve as an example for our country, said Melania Aydinyan, PR manager of Pomogatel.ru. In this country, she notes, the state reimburses up to 85% of the costs for a nanny, deducts some more from taxes. “As a result, the family pays only 7.5% of the total. To receive such compensation, a woman needs to work before giving birth, and the nanny must come no less than 16 hours a month, ”Aydinyan clarifies.
State compensation for the costs of a nanny in France depends on family income, the number and age of children. The maximum compensation (85%) is given to low-income families with a child under three years of age. For more affluent families and families with children from 3 to 6 years, compensation will be 2-3 times lower.
In addition, in France, as in Germany, the state helps large families with a reduced tax rate.
“And the more children there are in a family, the lower taxes are for households,” says Vasily Sharapov, lawyer at City - XXI Century development company. In the event of the abolition of maternity capital in Russia, he recommends the introduction of significant tax benefits for families with more than one child.
“If we calculate how much the state takes from Russian households in the form of taxes, it becomes obvious that a one-time payment in the amount of maternity capital is leveled over time due to the lack of significant tax benefits for such households,” the expert summarizes.
Domestic reformers so far offer the simplest and most direct way to support: the distribution of benefits and gifts.
The authors of the latest proposals, State Duma deputy Sergei Vostretsov and the head of the National Parents Committee, Irina Volynets, offer to pay benefits up to the age of majority of children: 3 thousand rubles. per child, 8 thousand rubles. for two and 15 thousand rubles. for three persons.
Families with more than four children should be given land plots, and those with more than six children should receive a Gazelle car. From what sources to take funds for this, is not specified. In an interview with Gazeta.Ru last week, Volynets noted that they should be found and regarded as an investment in the future.
Moreover, if last week Volynets and Vostretsov were talking about replacing the mother capital with benefits, calling it "pseudo-support", then this one has already softened the rhetoric. “We in no way criticize maternal capital, much less plan to cancel it,” Volynets said in the State Duma, TASS quoted as saying.

Ministry of Labor leaves the poor on the conscience of the regions
The Ministry of Labor proposes to extend maternity capital until 2023, despite the fact that the state already does not have enough funds for indexation - it is frozen for the three-year period of 2017-2019. The government continues to gradually improve the practice of providing and spending maternity capital funds.
So, in early March, Russian Prime Minister Dmitry Medvedev shortened the term for his transfer from one month to 10 days. In 2015, it became possible to spend the capital on a contribution on a housing loan, without waiting for the child’s three-year anniversary, they remind in the Ministry of Labor. In 2016, families with children with disabilities received the right to spend it on goods for social adaptation.
“It is important to understand that maternal capital is a demographic measure that stimulates the growth of the number of births, and not a measure of social support when funds are spent on the current expenses of families in difficult situations,” the Ministry of Labor noted.
Social support of the population is in the sphere of regional jurisdiction, the department’s press service added. Each region has the right to independently introduce such measures.
In other countries, there are practically no analogues to maternal capital, experts say. In the United States, for example, the birth rate from the state is not encouraged, said Sharapov from City 21st Century. Social support to families is mainly provided privately through charity, as well as religious organizations.
US social policies vary from state to state. “In the real estate sector, the state in the United States supports low-income families who are recognized as needing social assistance. For such families, regardless of the number of children in them, multi-storey so-called social rental houses are being built. More than half of the costs of constructing such buildings is financed from regional budgets under special state programs, ”the lawyer cites an example.

The allowance is not as important as its size
“In our country, the support system for families with children is sufficiently developed. However, the amount of social benefits does not meet the needs of the population, ”said lawyer Andrei Komissarov. In this regard, the government, perhaps, should consider the experience of other countries in non-monetary support or measures of social support with certain conditions.
In the Czech Republic, for example, every new born child reduces the retirement age of the mother, gives the example of the Commissars. Subsidies for rent are provided in Sweden, and the amount of the allowance depends on the number of children and the earnings of the parents: the family receives a larger allowance if the parents earn less than the subsistence level.
In Finland, support measures have been established in the form of providing the child with the necessary accessories, organizing the rest of the child and providing additional educational services.
In France, there are also monthly benefits that begin to be paid at the birth of a second child.
In Estonia, a certain time after the birth of the child, the mother receives full wages, and then - cash payments for the child. For single mothers, additional benefits are provided for paying for housing, medical care and others.

In Japan, large families receive discounts in stores.
“Thus, depending on the model of social security chosen by the country, support is provided for either all families with children or certain categories (low-income, large families).
Benefits can be expressed in cash benefits, in reducing the tax base, in obtaining subsidies, in reducing the retirement age, ”the lawyer summarizes.
The situation with benefits does not look rosy in all countries, says Peter Pushkarev, chief analyst at TeleTrade Group of Companies. So, in Spain there is a one-time allowance of 1,500 thousand euros, but after 4 months the mother should return to work. In Poland, a lump sum payment of only 120 euros, and monthly benefits up to 3 years, 10 times less. In the UK there are only monthly benefits of a little over 100 euros for the first child, and for the second and subsequent ones - 70 euros with a minimum wage of 1200 euros. True, these benefits are paid up to 10 years. In Israel, the monthly allowance for children is also less than the subsistence level, and the mother is entitled to only 3 months of maternity leave, including time before and after childbirth.

Hanging pear, you can’t eat
All experts almost unanimously emphasize that Russian maternity capital is a unique phenomenon in the world, but they draw directly opposite conclusions from this. Some offer to preserve it at all costs as a great achievement, others say that if such an instrument were useful, it would be used not only in our country.
“Analysts in Congress (USA) most likely know that population growth can hardly be affected by cash payments and other benefits: all countries went through this experimentally, but still continue to believe that subsidies will help increase the population. According to my estimates, maternal capital is a rather unique phenomenon in the world, which is not found in almost any other country, since it has restrictions on the purpose of spending, ”says Kirill Yakovenko, an analyst with Alor Group.
There is a similar system in the UK, he notes, but it is not connected with the purchase of housing, but with savings: “When a child is born, an account is opened in it, and the state and parents transfer money there, that is, the subsidy is created jointly.

All about maternity capital in 2018

This is probably one of the most honest and motivating ways to get parents to create savings for their child. ”
Nevertheless, family support benefits remain a popular measure, and in many countries they are higher than ours, even in the countries of the former socialist camp.
In Belarus, for example, the allowance for the first child aged 0 to 3 years is about 8 thousand rubles translated into Russian rubles. monthly. About 9 thousand Russian rubles are given for a second child in Belarus. “Such payments are comparable to those paid in Sweden: about 7200 rubles for the first child. per month, the second - the equivalent of 15 thousand rubles. ”, - says Yakovenko.
Due to severe restrictions on the purpose of use, maternal capital is more focused on supporting families with incomes slightly below average than on poor ones — and the latter need more government assistance, Tatyana Tatyana, Director of the Institute for Social Analysis and Forecasting, stressed in an interview with Gazeta.Ru Maleva. Therefore, it’s time to “convert” it into raising children's allowances, which are regrettablely low today, she said.
In Russia, 40% of mother’s average earnings for the previous two months are monthly relied on to take care of a child for up to one and a half months each month, then the care allowance is provided only in the amount of 50 rubles. per month, at the same time, in our country there is a shortage of nursery groups in kindergartens, and the majority of the population cannot hire a nanny for a one and a half year old child.

Life is almost like in the Emirates
Opinions on replacing the mother capital vary, including due to the fact that not every family can use the certificate, said Lyudmila Rubanik, head of the independent anti-corruption expert center. As a result, some families that are below the poverty line get involved with fraudsters and sometimes are completely left without money. And in other cases, it all ends in criminal cases, the expert notes.
“Everything needs to be thought out. Maybe you need to give a choice (between benefits and maternity capital) and simplify the implementation of certificates, ”she suggests. While this requires collecting a huge number of documents, "and it all comes down to not helping mothers, but creating difficulties for them."
But if we replace the capital with benefits, “we can get into a story such as the monetization of benefits, when we lose what was good and the new does not take root,” argues Georgy Fedorov, first deputy chairman of the Public Chamber's Commission on Social Policy.
Maternity capital is “strategic financing” for the family, and monthly payments in a year “will go nowhere,” he said at a press conference this week.
“It is very important to maintain maternal capital in the form of a large and large one-time allowance, which the family can spend as a contribution to improving housing conditions, education, or treatment of the child. And any options for a uniformly “smeared out” monthly allowance cannot be compared at all, ”agrees Pyotr Pushkarev.
This program is unique, and its distant counterpart exists only in the United Arab Emirates, the expert emphasizes, where a family on the occasion of the birth of a child receives an amount from 50 thousand to 200 thousand dollars, a house or a villa. “However, the population of the Emirates is small, and to come there and become a citizen of this country is almost impossible, therefore the state has the ability to provide its citizens from birth with oil revenues,” he explains.

Recent news about the future fate of maternity capital indicates that the program will be modified in the future, but now there is no talk of canceling this program. Today, we can confidently talk about extending the program until 2020. What will happen next is hard to say. Authorities acknowledge that, in economic terms, maternal capital is very difficult to implement. Nevertheless, the government recognizes that the program fully copes with the tasks that were assigned to it initially. Previously, maternity capital was indexed in 2015, and today the figure reaches 453,026 rubles. In addition, due to the current economic situation in the country, Vladimir Putin signed a decree banning indexation until 2020. This is required to save budget funds. At the same time, experts agree that the program should change in the future. The most recent initiatives in this regard indicate that the State Duma has proposed abandoning the lump-sum payment within the framework of maternity capital, and replacing it with monthly payments that will allow parents to better manage their child support money. In particular, it is proposed to pay three thousand rubles for one child, eight thousand for two and 15 thousand for three children. It is expected that benefits will be available to all parents, regardless of the financial situation of the family. Families will be able to receive this support exactly until the child is 18 years old. Recall that maternity capital is a family support program that has been operating in Russia since 2007. It aims to support families in which the second and subsequent children were born.

Matcapital can be spent in a new way

Maternity capital funds can now be used to improve housing conditions, to educate a child, to provide mothers with pensions, or to equip an apartment for a child with disabilities. Funds can be managed at your discretion after the child reaches the age of three. The only exceptions are when it comes to acquiring an apartment in a mortgage, or depositing funds into an existing mortgage loan. Read us on Yandex Zen