Will there be a payment from maternity capital in 2020?

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Article current as of: September 2020

January 23, 2020 09:57

Interview with Nadezhda Yakusheva, Deputy Manager of the Branch of the Russian Pension Fund for the Bryansk Region.
Monthly payment from maternity capital for the second child: who is entitled to it and how to receive it

On January 1, 2020, two presidential initiatives to support the demographic program were launched. Nadezhda Yakusheva, Deputy Manager of the Branch of the Pension Fund of Russia in the Bryansk Region, talks about one of them - the introduction of a monthly payment from maternal family capital.

— Nadezhda Vladimirovna, what is the essence of the innovation?

— A number of significant additions have been made to the maternity capital program since 2020. The most important of them is that low-income families in which a second child has been born or will be born since January 1, 2020, will be able to receive a monthly payment from maternal family capital.

Articles on the topic (click to view)

• Federal law on the use of maternity capital: rules for use in 2020
• Federal Law on the protection of family, motherhood and childhood
• Conditions for using maternity capital to repay a mortgage in 2020.
• Federal Law 256 on maternity capital and Federal Law on large families
• Requirements for housing purchased with maternity capital
• Validity period of maternity capital after its receipt
• Deadlines for registration and receipt of maternity capital

— What is meant by low family income?

— This is income that does not exceed 1.5 times the subsistence level of the working-age population in a constituent entity of the Russian Federation for the 2nd quarter of the year preceding the year of circulation.

The size of the payment itself also depends on the region - it is equal to the subsistence minimum for children, which was established in the constituent entity of the Russian Federation also for the second quarter of the previous year.

If a family applies for payment in 2020, then the cost of living indicators for working-age citizens and children for the second quarter of 2020 will be taken into account.

The cost of living for a child in the Bryansk region for the second quarter of 2017 was 9,677 rubles. This will be the amount of the monthly payment to the family in 2020.

— Who is entitled to a monthly payment from maternity capital funds?

— Families permanently residing in the Russian Federation can receive it if:

• The second child and mother are citizens of the Russian Federation;
• The second child was born (adopted) no earlier than January 1, 2018;
• The amount of income per 1 family member does not exceed 1.5 times the subsistence level of the working-age population established in the constituent entity of the Russian Federation for the 2nd quarter of last year.

— Where should I go to request payment?

-An application for a monthly payment is submitted to the territorial body of the Pension Fund or through the MFC. You can submit it simultaneously with the application for a state certificate for maternity capital. That is, a mother can submit two applications to the Pension Fund at once: to receive a certificate and to establish a payment.

— Nadezhda Vladimirovna, how long can a family receive a monthly payment?

— You can apply for a monthly payment at any time within one and a half years from the date of birth of your second child. If you apply in the first six months, the payment will be established from the date of birth of the child, that is, funds will be paid including the months before the application. If you apply after six months, the payment is established from the date of application.

It should be noted that at first the monthly payment is assigned for 12 months, then the family can re-apply and the payment will be assigned again until the child reaches 1.5 years of age.

If maternity capital is fully used, the family changes place of residence, or the child is one and a half years old, the payment stops. If necessary, it can be suspended independently, for example, if the family wants to use the funds of maternal (family) capital for other purposes.

— How quickly after submitting an application can I receive my first money?

— The law gives the Pension Fund a month to consider the application and issue a certificate for maternal family capital. The monthly payment is made no later than the 26th day of the month following the month of filing the application for its establishment. The money will be transferred to the citizen’s account in a Russian credit institution.

This is important to know: The validity period of maternity capital after its receipt

— Can they refuse to establish payment?

- They can. A monthly payment is not assigned if children are fully supported by the state, if false information about family income is provided, as well as for citizens who are deprived of parental rights.

— Information about income is one of the most important issues. How is the average per capita family income calculated when assigning a monthly payment? Which family income should be taken into account and which, perhaps, should not?

— To understand whether a family is eligible for payment, you need to take the total amount of family income for the last 12 months before the month of application, divide it by 12, and then divide it by the number of family members, including the second child born. If the amount received is less than 1.5 times the subsistence level of a working-age citizen in the region where the family lives, you can go to the Pension Fund and apply for a monthly payment.

The calculation takes family income (parents of minor children, spouses of parents of minor children, minor children) received in cash:

• Salary, bonuses;
• Pensions, benefits, sick leave payments, scholarships, alimony;
• Payments of pension savings to legal successors;
• Compensations paid by a government body or public association during the performance of state and public duties;
• Monetary compensation and allowances for civil service employees.

When applying to the Pension Fund, the amounts of these payments must be confirmed by relevant documents, with the exception of payments received from the Pension Fund.

The following are not taken into account in the calculation: amounts of one-time financial assistance from the federal budget in connection with emergencies, income from deposits in banks, and from the rental of housing and other property.

— For better understanding, let's give a specific example.

- Fine. Let's say a family of four lives in Bryansk. Marina (owner of the certificate), Igor (her husband), their son Denis, he is 5 years old, and daughter Daria, who was born on January 1, 2018.

In 2020, Marina earned 246 thousand rubles (salary - 20.5 thousand rubles per month), and Igor earned 360 thousand rubles (salary - 30 thousand rubles per month). There was no other income.

That is, in the family of Marina and Igor in 2020, the income per family member is less than 1.5 times the minimum wage for a working-age citizen in the Bryansk region in the 2nd quarter of 2020, i.e. less than 15922.5 rubles. This means that the family is entitled to a monthly payment (MP) from maternity capital in the amount of 9,677 rubles per month. If Marina applies for the establishment of a monthly payment before 07/01/2018, then it will be established from 01/01/2018 and will be paid for 12 months until 01/01/2019.

If the mother wants, she can apply to the Pension Fund again in January 2019, and the monthly payment will be assigned to her for another 6 months, until the child reaches 1.5 years. But this is provided that the family income in 2018 will be less than 1.5 times the minimum working-age citizen in the Bryansk region in the 2nd quarter of 2020.

— That is, every Bryansk family that has the right to a monthly payment can receive approximately 174 thousand rubles in cash from maternity capital in a year and a half. Is there enough money for everyone?

— The monthly payment in connection with the birth (adoption) of a second child is carried out by the Pension Fund of the Russian Federation, and it is financially secure. The PFR budget for 2020 alone has been increased by more than 24 billion rubles. So mothers can already contact us with an application. The sooner you submit it, the faster the payment will begin and the family income will increase.

Maternity capital 2020, news now: in 2020 the payment was canceled

The opinions of the ministries were divided into directly opposite ones. The Ministry of Labor defended the position of further payment of money. The Ministry of Finance and the Ministry of Economic Development began studying statistics and came to the conclusion that the level of well-being of Russians is growing, so they no longer need a lump sum payment.

The government supported the latter point of view. And the payment was canceled in 2020.

For many people, this came as an unpleasant surprise, because for many, payment was the only way to send their children to school without running into debt.

The freezing of the state Maternity Capital certificate until 2020, which is now being talked about everywhere, essentially does not imply anything new for families with two or more children. For now, this only means that the size of the state certificate for maternal capital will not be increased (indexed) for several more years - but it has not been increased for 2 years in a row.

And since it was possible to use it all these 2 years without any additional restrictions (and no one talked about any “freezing” at all all this time), then in the same way it will be possible to use it freely until 2020 (and even beyond) .

This is important to know: Law on surrogacy in Russia

The “freeze” adopted by the Russian government does not in any way imply a ban on the use of a maternal certificate. Therefore, in 2020, a mortgage can still be issued for it in the usual manner, and a previously taken out housing loan or loan can be repaid.

How much will they pay?

How will the payment amount change next year? This year, due to the crisis in the country and in the world, the indexation of the amount of financial assistance was cancelled. In 2020, the government plans to index the amount of payments so that young parents can receive decent assistance when a baby is born. The payment amount next year will be about 479-482 thousand rubles.

Moreover, in 2020 the amount of payments will increase further and amount to more than 500,000 rubles. Thus, compared to this year, the payment amount will increase by more than 11%.

What is a lump sum payment from maternity capital?

Let us remind you what lump sum payments from maternity capital are.

• improvement of living conditions,
• funded pension of the mother of the child,
• education for children,
• purchasing special goods for a disabled child’s adaptation to society.

In practice, it turns out that parents either choose to expand their housing and use the capital as a mortgage contribution, or the certificate lies as a dead weight “just in case.” For those who did not manage their maternity capital funds, the state allowed them to withdraw a small amount of cash in 2020 and 2020.

The one-time payment from maternity capital in 2020 amounted to 20 thousand rubles, in 2020 - 25 thousand rubles.

Money was not automatically given to everyone who had a sufficient balance on their certificate; in order to receive a one-time payment from maternity capital, they had to write an application.

Project results statistics

According to statistics, the lump sum payment seriously influenced the increase in the birth rate in our country from 2007 to 2014. According to the results of the analysis, over these years the birth rate increased by 31%.

Moreover, the number of families with 2 or more children has doubled. These numbers speak for themselves. People, feeling the support of the state, are no longer afraid to have another child. They know that they are guaranteed to have funds to buy a home or educate a child. Maternity capital really works and, according to analysts, is the best existing social program in Russia.

Today, only one thing is known: assistance from the state will be available at the birth of a third child. If you fall under the old program, you will be able to receive payments as before. Payments will be indexed in accordance with the inflation rate. According to the new program, funds can be spent not only on housing and education. At the birth of the first and second child, future payments are not provided. Exactly how much mothers will receive in the coming year will become known in the near future. Follow the news.

Maternity capital in cash

Advice from lawyers:

1. How much cash can be withdrawn from maternity capital?

1.1. Hello, Ekaterina Any attempt to cash out funds will be considered illegal and punishable by the relevant authorities.

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2. Please tell me how much money can I take in cash from maternity capital?

2.1. Hello. Unfortunately, at the moment you won’t be able to remove anything. The one-time payment from maternity capital each year was one-time and exceptional. There was no provision for automatic extension of this social support measure.

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2.2. Hello! Cashing the certificate is prohibited by law. Persons who have received a certificate can manage maternal (family) capital funds in full or in parts in the following areas: 1) improving housing conditions; 2) education of the child (children); 3) formation of a funded pension for women listed in paragraphs 1 and 2 of part 1 of Article 3 of this Federal Law; (as amended by Federal Law No. 216-FZ of July 21, 2014) (see text in the previous edition) 4) purchase of goods and services intended for social adaptation and integration into society of disabled children; (clause 4 introduced by Federal Law No. 348-FZ of November 28, 2015) 5) receiving a monthly payment in accordance with the Federal Law “On monthly payments to families with children.”

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3. How many times can you withdraw cash from maternity capital and how much?

3.1. All holders of a maternity capital certificate residing in the Russian Federation can apply for a one-time payment of 25 thousand rubles, regardless of how much time has passed since the birth of the child who gave the right to receive the certificate. If a family has not yet received a certificate for maternity capital, but will receive the right to do so before September 30, 2020, then it has the right to apply for a one-time payment of 25 thousand rubles simultaneously with the application for the certificate.

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4. I am selling a two-room apartment, the owners of which are equal shares of me and 2 minor children. A little earlier, a 4-room apartment was purchased using maternity capital and cash payments, in which the children and I also have equal shares. Can money from the sale of an apartment be spent on renovating a 4-room apartment? How to make an application correctly?

4.1. In any case, you are obliged to credit the money from the sale of the apartment to the children’s account in proportion to their shares. It is unlikely that the guardianship authority will allow this money to be spent on repairs.

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5. The house was purchased in 2013 and shares were allocated to each family member for cash. Is it possible to compensate from the funds of the maternal regional capital for the money spent? Thank you.

5.1. The Law “On Maternity Capital” (the name is conditional, so that it is clear to the average person) does not provide for the allocation of funds from maternity (family) capital to compensate for residential premises purchased with one’s own funds.

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6. I have 400,000 thousand in cash. And my mother has maternity capital. I want to take out a mortgage on an apartment. I want to make a down payment through maternity capital. And give your money to your mother to repair the house. Is this possible?

6.1. No, the mother can contribute maternity capital to pay the installment on the loan, for a mortgage - only for herself or for her spouse, but not for the child.

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7. Do you need a prenuptial agreement to buy a house on a plot of land, with payment by maternity capital and adding your own cash?

7.1. Hello. Only a lawyer at your place of residence can answer this question, since there are no uniform requirements for registration. Registration issues are resolved at the regional level. Thus, according to Part 4 of Article 10 of Federal Law No. 256-FZ of December 29, 2006 “On additional measures of state support for families with children” (hereinafter referred to as Federal Law No. 256-FZ), residential premises acquired (built, reconstructed) with using funds (part of the funds) of maternal (family) capital, is registered as the common property of parents, children (including the first, second, third child and subsequent children) with the size of shares determined by agreement. When registering a residential property acquired (built, reconstructed) using funds (part of the funds) of maternal (family) capital into the common shared ownership of parents (spouses) and children, the spouses must draw up an agreement on the division of that share of the residential premises that was purchased with common funds spouses, as well as an agreement on determining the size of the shares of parents (spouses) and their children.

In some regions it is formalized by an agreement, in others - by a marriage contract. Find out more about this from your realtor.

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7.2. Hello Eldar! The marriage contract is concluded at the discretion of the spouses. However, its conclusion is not mandatory, including in this situation.

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8. I am a realtor, the question is this: the seller of the apartment asks for money to pay for the apartment in cash because his account in Sberbank has been frozen, and the buyers only have maternity capital. Can he open an account in another bank to transfer money?

8.1. Hello. In this situation, yes, you can open an account in another bank, but it is not a fact that the bailiffs will block it. Depends on their work. Try with a cell, the money will be withdrawn and the cash will be lying around, and they have no right to give it back.

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9. We bought an apartment, the housing turned out to be dilapidated. Some of the money was given in cash, and some were expected to use maternity capital, but the Pension Fund refused. How to terminate the contract and get your money back.

9.1. Hello. Written refusal?

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10. We want to buy an apartment using maternity capital + cash. But the seller doesn’t want to wait long and offers us to take out a loan, and then the pension fund will give the money to the bank. How to properly apply for such a loan and what certificate then or now should I take from the guardianship authorities. Thank you.

10.1. Hello Olga! If the child is under three years old, then you can contact the bank and apply for a loan against maternity capital.

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11. My husband and I have 3 children, we live in a 1-room apartment, we bought the apartment with maternity capital + our own cash. Now I am 32 years old, my husband is 34 years old. In 2020, my husband turns 35 years old. There are 3 certificates per year, our number in the queue for the Young Family is No. 12. So we can't get it?

11.1. Good evening! If the program requires that you be under 35 years of age and does not provide for the right to receive a certificate (is on the list for a certificate), then your family will be excluded. It used to be like this.

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12. I’m an orphan, I recently turned 18, I don’t have money to furnish my apartment, is there any way I can exchange my maternity capital for a pension or to buy furniture using a card without withdrawing cash?

12.1. No, there will be inappropriate spending. Federal Law of December 29, 2006 N 256-FZ (as amended on August 2, 2019) “On additional measures of state support for families with children” Article 7. Disposal of maternal (family) capital funds 3. Persons who have received a certificate may dispose of maternal funds (family) capital in full or in parts in the following areas: 1) improvement of housing conditions; 2) education of the child (children); 3) formation of a funded pension for women listed in paragraphs 1 and 2 of part 1 of Article 3 of this Federal Law; 4) purchase of goods and services intended for social adaptation and integration of disabled children into society; 5) receiving a monthly payment in accordance with the Federal Law “On Monthly Payments to Families with Children.” 4. The disposal of maternal (family) capital funds can be carried out by persons who have received the certificate simultaneously in several directions established by this Federal Law.

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13. I have a question. We have maternity capital and a small part of the money in cash. We want to buy an apartment. Is this possible and where should we go?

13.1. Hello! The law provides for the use of mat capital funds to improve housing conditions. You can buy an apartment or a house. Money is credited to the seller’s account under the mother certificate based on the results of the buyer’s registration of the property in Rosreestr (the legal registration authority). Therefore, first you draw up a purchase and sale agreement, and after the transfer of rights from the seller to the buyer, you contact the territorial Pension Fund. Today, in almost all regions, documents for services, including the Pension Fund of Russia, are accepted through a multifunctional center. A list of required documents can also be obtained from the MFC.

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14. Can I add maternity capital to cash as a down payment for a mortgage?

14.1. Technically, this cannot be done, since maternity capital is received after the transaction and after the child reaches 3 years of age. Therefore, maternity capital is part of the payment for the entire transaction after the transaction itself. You cannot obtain it before registering your right.

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15. The matter is heading towards divorce, in the last marriage an apartment was bought with a mortgage, part of it was repaid with maternity capital, part with cash from my parents, I am the main borrower, my husband is a co-borrower, I also pay for the mortgage, the problem is that my husband has 1/2 shares in the apartment. What should I do, tell me, I’m in despair, he threatens that he won’t leave.

15.1. Hello! Let him threaten - the main thing is not to be afraid. If he does not want to leave and will not compromise at all, then he will need to go to court about the division of jointly acquired property. Now collect a documentary evidence base to confirm that it is you who pay the mortgage and that your parents contributed part of the amount during the purchase - this is extremely important. For assistance in drawing up documents (claims, complaints, statements of claim, etc.) and for more detailed advice, you can contact the lawyer of your choice on the website. All the best!

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15.2. You can, firstly, allocate shares to the children, and secondly, sue for the division of property and prove that part of the share is yours, since it was purchased with the money of your parents. Seek a personal consultation to determine your next steps.

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16. We have a deal tomorrow - we’re buying an apartment! We will give half of the money in cash tomorrow, and the PFR (maternity capital) will transfer half in 2 months! Should sellers give us the keys to the apartment? Can we use it?

16.1. Hello. In this situation, the transaction is generally completed through a bank, usually in order for the money to be saved. I don’t understand how your transaction works, who will enter it? It is not safe when cash is transferred before everything has not yet passed through the Russian register.

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17. Tell me, is it possible to pay for the second year of my son’s studies at the institute with maternity capital, if the first year was paid for in cash? Or is it up to the institute to decide? Thank you.

17.1. Certificate for mat. capital gives the right to use money to educate children. You can use this right as needed. The institute has nothing to do with your money. But it only assists in arranging this method of payment for studies. Contact the Pension Fund. It is he who will handle the non-cash transfer of funds to the educational institution. You can familiarize yourself with the list of required documents by calling there or on site.

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18. Selling an apartment through maternity capital through a bank. The bank takes a percentage for an accelerated process. Question: Does this bank, by law, take% only from maternity capital or can the buyer pay% in cash!? And is this stated in the contract? And the keys are transferred after the money is received into the account, and this also needs to be taken into account in the contract.

18.1. You can stipulate the keys in the contract if it is important. Regarding %, you’d better ask the bank and ask for a copy of the act, which specifies the procedure for charging fees for the bank’s services.

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19. The apartment was bought under an equity participation agreement for cash, the house has not yet been sold, a second child was born, he is 6 months old, can I use maternity capital after putting the house into operation? And How? What if you give shares to your children? Or should I wait until my second child is 3 years old?

19.1. Maternity capital can be used to improve living conditions. If, as you write, you purchased an apartment under an equity participation agreement, then you can no longer use maternal capital in this transaction.

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20. I bought a house together with a plot of land for maternity capital and part of the cash, and allocated shares in the house for 4 of my children. Maternity capital transferred to the seller's account. After some time, I discovered defects in the house. I have not paid the amount in cash yet. Can I terminate this agreement, and what will happen to the maternity capital?

20.1. Of course you can terminate it. You will be required to return the money.

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Please tell me whether the ex-husband can divide the apartment (as jointly acquired property)

Divorced from his wife. During marriage, a house was purchased using maternity capital with the addition of 100 tons of cash.

We bought an apartment from my husband’s mother in June 18, part of the money was given in cash and part of the maternity capital,

We invested maternity capital into the construction and have a consumer loan taken out in cash for construction; we are selling the house at a price of approximately 2 million.

I want to buy an apartment for cash (money from the sale of an apartment in which shares were allocated to children)

Question: we bought a house for cash + maternal capital. We have already given the cash to the seller,

We want to buy a house. The housewives are two sisters, each with 1/2 share of the land and the house.

Can I sell a dorm room purchased with maternity capital and save this money to buy another home, and how to do this?

I have a plot of land purchased for cash, for this plot I took out a loan against maternity capital to build a house,

I bought an apartment last year and did not receive a tax deduction. In 2020 I bought a house with a plot,

I want to sell a car but the client does not have cash and wants to pay with maternity capital, what should I do and can I trust him?

How to receive monthly payments from MK in 2020?

In 2020, the number of areas for using maternity capital increased. Families were able to receive part of their maternity capital through monthly payments. These payments are not intended for everyone. The subsidy provides assistance to low-income families with two children; the birth of the second child occurred after December 31, 2017.

This direction has an expiration date. The monthly benefit is paid only for 1.5 years from the date of birth of the second child. Accordingly, an application for this benefit may be submitted within this period. You can apply through the Pension Fund or MFC.

Payment amount

Each subject of the Russian Federation has its own amount of payments. The benefit does not exceed the monetary minimum calculated for a child from April to June of the previous year in the region where the applicant lives. When submitting documents a second time to extend the period of financial assistance, the amount of payments may change, because it will be based on the monthly subsistence limit from the fourth to the sixth month of the previous year.

Who can get it?

As noted earlier, not everyone can count on a monthly payment. To do this you need to meet some criteria:

1. Birth or adoption of the 2nd child from 01/01/2018.
2. The second child and mother are citizens of the Russian Federation.
3. Low income. Not higher than 1.5 times the minimum consumption basket for a working person per family member.

To find out whether a family meets the low-income criterion, you need to calculate all earnings for 12 months, divide it into 12 equal parts, get the average monthly income, and divide it by the number of people in the family. Total income is understood as the sum of all salaries and bonuses, compensations, benefits, and pensions. This does not include one-time payments related to emergency assistance.

https://www.youtube.com/watch?v=4vvuJo168Uc

Let's look at an illustrative example of how to determine your income level and whether there is a chance of receiving help from the state.

An ordinary family of 4 people: father, mother, 2 children born in 2020 and 2020, lives in Arkhangelsk. Over the last year, the total family income is 930 thousand rubles: the mother earned 420 thousand rubles, the father – 510 thousand rubles. The family did not receive any bonuses, compensation, or benefits.

To calculate the income per person, you need 930 thousand rubles. divide by 12, and then by another 4 (all family members). We get 19,375 rubles. per person.

This means that the family has all the privileges to receive payments. The amount of the benefit will be equal to the child’s monthly minimum in Arkhangelsk, i.e. RUB 11,866 per month.

Only those who have already issued a certificate can apply for a monthly payment from maternity capital.

Important! In 2020, the processing time for certificate applications was reduced from one month to 15 days

Size and latest changes

Several years ago, the country was hit by a wave of crises that led to a budget revision. The government decided to reduce spending on many social programs, including the payment of maternity capital. Despite this, the original amount has almost doubled and currently amounts to 453,026 rubles. In 2020, maternity capital will not be indexed.

The program was introduced at a favorable time for the country. During the economic crisis, it became more difficult to make payments, which led the Government to decide to stop indexing maternity capital until 2020.

Table - Indexation of maternity capital (2007-2018)

Compared to 2007, in 2020 the maternity capital certificate increased by 81%. If the Government had not resorted to freezing funds in 2020, the amount would now exceed 500,000 rubles. But due to the economic crisis, the indexation of funds had to be suspended. The next indexation is planned only in 2020.

The Government is currently considering extending the program until 2023. But most officials believe that this only worsens the demographic situation in the country, since there will be no more incentive to have a second or subsequent child before the end of the program. The Ministry of Finance, in turn, proposes to extend the program until 2020, and then make significant changes.