How and when is maternity capital issued?
An application for a certificate is submitted along with the necessary package of attached documentation to the Pension Fund of Russia.
This can be done at absolutely any time from the moment the second or subsequent child appears in the family, whose year of birth is from 2007 and above. Important! The main thing is that if there are 3rd, 4th and other children, the applicant has not previously exercised his right to issue family capital. Because this is only allowed once in a lifetime.
You can submit documents:
- in person, by mail or through a representative to the Pension Fund unit at the place of residence,
- through the MFC or the government services website.
Important!
There is no exact deadline for submitting documents for maternity capital in the law. Therefore, copyright holders are not limited by any time frame. A response will be received within 1 month from the date of application. You are either given a certificate or refused to issue it with appropriate motivation.
Attention! In October 2020, it was decided to reduce this period by half, that is, to 15 days.
Deadlines for applying for funds in 2020
But the period for disposing of maternal capital is somewhat different.
An application for disposition may be submitted no earlier than three years from the date of birth of the child. If the right to receive maternity capital arose in connection with the adoption of a child, then three years must pass from the date of adoption. If a child without parental care, who has the right to such a measure of state support, wants to dispose of maternity capital, then he needs to wait until he comes of age or reaches full legal capacity.
Attention! Exception:
- payment of a down payment or repayment of the principal debt and payment of interest on loans for the purchase or construction of residential premises;
- acquisition of goods and services intended for social adaptation and integration of disabled children into society;
- payment for paid educational services for the implementation of educational programs for preschool education and other related expenses;
- receiving monthly payments.
Here you can submit an application immediately after issuing the certificate itself or simultaneously with the application for its issuance, and/or due to the emergence of a real need for it.
After submitting the required package of documents, it will be carefully checked and the application will be approved only if the results of such a check are positive. This will take at least 1 month.
If there are a lot of documents or additional verification is required, the deadline is extended.
Reasons for refusal
If a package of documents raises any suspicions or doubts about their authenticity, the Pension Fund has the right to refuse to transfer funds.
Even if the deal has already taken place. Reasons for refusal may be:
- termination of the right to maternal capital;
- violations of the procedure for filing an application for the disposal of maternal capital;
- If the direction indicated in the application for the disposal of maternal capital is not provided for by law;
- If the amount specified in the application for the disposal of maternal capital exceeds its full volume;
- Restrictions on parental rights in relation to a child, in connection with whose birth the right to maternal capital arose;
- The selection of a child, in connection with whose birth the right to family capital arose;
- non-compliance of the organization with which the loan agreement for the purchase (construction) of residential premises was concluded with the requirements of current legislation;
- Recognition of the purchased residential premises as unfit for habitation or recognition of the apartment building in which the residential premises are located as unsafe and subject to demolition or reconstruction.
Such refusal must be submitted in written, motivated form. Naturally, you can appeal it through the court.
Advice! However, before doing this, consult with professional lawyers about the advisability of filing a claim.
To avoid such incidents, it is necessary to conduct legal due diligence of transactions at the initial stages. Then you can be sure that everything will go well and receive some guarantees.
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Federal Law of May 23, 2015 N 131-FZ “On Amendments to Articles 7 and 10 of the Federal Law “On Additional Measures of State Support for Families with Children”
Federal Law of December 29, 2006 No. 256-FZ “On additional measures of state support for families with children”
General deadlines for issuing and disposing of a certificate
So, let's summarize. Maternity capital can be used only for the purposes provided for by law. The timing of document execution is not limited by time frame. However, the right to receive it appears once in the period between 2006 and 2022, after the birth of the second, third or subsequent child.
The period for consideration of an application for the disposal of funds, regardless of the purpose, is one calendar month. The time frame for transferring funds to a current account is 10 days.
The government annually reviews bills regarding maternity capital. The terms of its payments are reduced, and the intended purpose is expanded.
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I am the editor-in-chief of our information portal, and I carefully review all the material from our experts before publishing them here. An economist by education, specialization in accounting, analysis and audit. Experience as an accountant for 10 years. I can work with long texts and legal documentation.
Deadline for cashing out maternity capital after the birth of a child
The law does not establish any exact terms for the use of maternity capital.
The age of the child is specified only when maternity capital funds are allocated for his education and is limited to 25 years on the date of commencement of education. The age of a disabled child for whose adaptation and social integration funds can be spent on maternity capital is not specified.
Also, up to 23 years of age, a child has an independent right to receive family capital funds if:
- both parents (adoptive parents) are no longer alive or have been declared dead;
- both parents are deprived of parental rights in relation to the child, in connection with whose birth the right to maternity capital arose;
- both parents committed a crime against their child;
- In relation to both parents, the adoption of a child was canceled, with the birth of which the family had the right to maternity capital.
A woman is deprived of her right if:
- her death or recognition of her death;
- deprivation of parental rights;
- cancellation of adoption;
- the presence of a court verdict on the commission of a deliberate criminal attack against the child’s person.
As for the possibility of redirecting funds to the mother’s pension savings base, such a right is not limited by time limits.
How to cash out maternity capital with money
Last year, maternity capital funds were allowed to be used to pay monthly benefits - child support subsidies. This year, young families can also benefit from this help. Receiving a subsidy cannot be called a way to cash out maternity capital; rather, it is an opportunity to use funds aimed at supporting the family at a time when the need for help is especially acute.
For example, in the first months of a baby’s birth, when the family’s financial needs increase. The subsidy allows you to withdraw maternity capital until the child is three years old in the form of small monthly payments, the amount of which is equal to the subsistence level. Each region has its own.
“Families whose income for each family member does not exceed two minimum wages can apply for a subsidy,” clarifies Yuri Kapshtyk.
This year the minimum wage in Russia is 12,130 rubles. To receive a monthly subsidy, you need to provide the Pension Fund with documents confirming that your family income is less than that established by the state.
How many times can you receive maternity capital in 2020?
Federal Law No. 256 of December 29, 2006 “On state support for families...” states that the certificate is available only once. To do this, starting from 2020, you need to meet the main condition - giving birth or adopting a child. He must necessarily have Russian citizenship, although he can live abroad.
That is, having received maternity capital for the first child, it is impossible to apply for it again after the birth of the second, third and each subsequent child. If this has not been done, the guardian still has the opportunity to issue a certificate. It does not matter which child was born - the second, third, fourth and each subsequent one.
The second child is entitled to an additional payment of 150 thousand rubles. You can receive it in this amount if the certificate was used after the birth of your first child. Or take the amount of 616,617 tr. (maternity capital for the first child + 150,000 rubles for the second child), if it has not been registered previously.
Based on the current legislation and the provisions discussed earlier, the following conclusions can be drawn:
- from 2020, if a family has its first child, she can count on registration of maternity capital;
- you can postpone this process until the appearance of subsequent children, while the second child receives an additional 150,000 rubles;
- for the third child, 450,000 rubles are issued to repay the loan (in addition to this, you can apply for an MK if this has not happened before);
Maternity capital amount
The funds can be used after three years, with the exception of three cases. This is the purchase of adaptation means for disabled children, payment for preschool educational institutions and improvement of living conditions with the help of a mortgage.
In the constituent entities of the Russian Federation there is also a regional MK, the average amount of which is 100,000 rubles. (it is not tied to the federal payment, so the conditions for receiving it depend on the specific region, republic, territory).
Current amounts
Since the program was introduced, the amount of payments has increased by more than 80 percent. The last time indexation rules were applied to the amount of maternity capital was in 2020. From this moment on, the size remains unchanged. The reason for this is the inability of the country’s budget to increase the level of assistance for families with children.
With the introduction of maternity capital, the amount was set at a quarter of a million. Until 2020, there was a gradual increase.
Now this value is 453 thousand rubles. Changes in this direction are not expected until 2020. At the regional level, the amount depends on the capabilities of the treasury. The average value is 150 thousand rubles.
How many times you can receive maternity capital is reflected in legal acts. Applying for federal assistance occurs only once. Regions have the right to set a different figure.
Current questions about maternity capital in the following video:
This is important to know: Maternity capital in 2020: the amount where you can spend it, conditions for receiving it and indexation
Maternity capital is a national program to support young families. It provides payment of government subsidies; from 2020, a certificate can be obtained for the birth of not only a second child, but also a first-born. Over the 13 years of implementation of this state subsidy, more than ten million Russian families have received payments.
