Starting from January 1, 2018, a number of significant changes have occurred in the maternity capital program. Read our article about the latest news about maternity capital 2018.

On January 1, 2018, Federal Law No. 432-FZ of December 28, 2017 came into force, according to which the maternity capital program is extended until December 31, 2021. The same document is the basis for another area of using the certificate - receiving monthly cash payments from maternity capital in the amount of one subsistence minimum upon the birth of a child after January 1, 2018. Payments can be received until the child reaches 1.5 years of age; the amount is set individually in each region (the average payment in Russia is 10 thousand rubles).

At the same time, the new law on maternity capital 2018 provides for the use of social support funds in one more area - the possibility of paying with a certificate for services for the supervision, care and maintenance of a child up to 3 years of age in a preschool educational organization. It is allowed to transfer state support funds to the current account of any educational institution, regardless of its accreditation.

Just like last year, the amount of maternity capital in 2018 is 453,026 rubles. The certificate is issued once at the birth/adoption of a second or subsequent child.

Important! The established amount of maternity capital of 453,026 rubles will not be indexed until January 1, 2020 (in accordance with the provisions of the Law of December 19, 2016 No. 444-FZ).

Today, the period for registering maternity capital is not defined by law; accordingly, parents have the right to receive a state certificate for its intended use even after the program expires, until the child reaches adulthood.

Maternity capital 2018: what can you spend state support funds on?

In accordance with the Federal Law on Maternity Capital No. 256-FZ, state support funds can be used in the following areas:

Improving living conditions:

home purchase
construction or reconstruction of an individual housing construction project
compensation of costs for repair and construction work
as a down payment on the purchase of a home with a mortgage
depositing funds under an equity participation agreement when purchasing residential real estate
to repay the principal debt and pay interest on a mortgage loan or loan for the purchase of an individual housing construction project/

If the recipient of the certificate has several mortgage loans, maternity capital funds can be used to pay off all of them at the same time.

If a positive decision is made on the use of maternity capital funds for a specific purpose, the funds must be transferred to the account of the certificate holder no later than 1 month.

Educational services:

payment for paid educational services in institutions with state accreditation
keeping children in any preschool educational organization, regardless of accreditation
payment for accommodation in the dormitory of an educational organization

Mom's pension

Maternity capital funds can be used in three areas of pension payments:

urgent, with a duration of at least 10 years;
accumulative, with the transfer of funds to the Pension Fund branch;
one-time, if the amount of the funded pension is 5% or less relative to the amount of the old-age insurance pension.

The child’s mother, who is the holder of a certificate for receiving maternity capital, has the right to independently choose an insurance company, as well as transfer investments from a non-state fund to a state institution.

For the social adaptation of disabled children in society

In order to use a certificate for maternal capital in this direction, you must complete the following steps:

undergo examination by medical and social experts;
submit an application to the ITU to enter evidence into the IPRA for the provision of goods or services (together with the application, the child’s personal document, a referral to the ITU, SNILS, a certificate confirming disability, the child’s IPRA are submitted);
purchase the necessary goods or receive a service, all payment documents must be saved;
contact the district social protection department with an application to receive an inspection report for the Pension Fund.

The list of goods and services that are intended for social adaptation and integration into society of disabled children, compensated from maternity capital, are prescribed in a separate section in the IPRA.

Maternity capital funds can be spent on the adaptation of any child in the family who is disabled. Maternity capital funds can be used as compensation for rehabilitation programs carried out for a disabled child, taking into account the following features:

payments are made after parents provide receipts confirming expenses for the purchase of goods and services;
compensation is paid in respect of the child to whom the IPRA is assigned;
maternity capital will not be able to compensate for funds that were spent on paid medical services, as well as other activities established by the List of Federal Law No. 181-FZ;
The certificate allows you to purchase technical means that facilitate the socialization of a disabled child in society (bed lifts, ramps, bathtubs, etc.) that are not provided under government programs.

Maternity Capital Law 2018: what cash payments you can count on

The recipient of a maternity capital certificate in 2018 has the right to receive monthly payments for the maintenance of a child up to one and a half years old, taking into account the following factors:

Parents can count on these payments if a child is born after January 1, 2018;
if the total income in the family is no more than 1.5 subsistence minimum per month per person;
the maximum amount of payments will be no higher than the subsistence level per child determined in each individual region.

It is worth noting the importance of parents’ timely application for monthly payments from maternity capital. So, if the recipient of the certificate applied before the child turned 6 months old, the amount of payments is recalculated in full from the moment the baby is born. If you apply with this question after the child reaches six months of age, social benefits will be assigned directly from the date of application.

Maternity capital in 2018: what will remain unchanged

The amount of maternity capital this year will remain 453,026 rubles.
Parents will not be given the opportunity to receive a one-time payment of 25 thousand rubles from maternity capital funds, regardless of their financial situation.
The government of the Russian Federation rejected in the first reading a law allowing the use of state support funds for the purchase of a car.
The proposal that was so sensational in the spring of 2017 about the possibility of receiving an additional payment to maternity capital in the amount of 250 thousand rubles was not confirmed.
Also, the proposal to pay maternity capital in the amount of 1.5 million rubles at the birth of a third child remains unchanged.
The state support program in the form of a certificate for receiving maternity capital will not be replaced by monthly payments for children under the age of 18.

The fertility stimulation program has been operating for many years, and the state pays a fairly large sum of money for a second child. Now it is equal to 453 thousand rubles, and the official period of the program ends in December 2018. Many expectant mothers and women with their first children already born are interested in the future prospects of the program - whether there will be an indexation of payments, whether the issuance of certificates will be extended, whether the conditions for receiving will be changed, and much more. Parents want to know what awaits maternity capital in 2019 and whether they will definitely receive the required payments.

Will there be indexation of maternity capital?

According to the rules of the program, funds received after the birth of a child are available only after 3 years, although exceptions are made for families with mortgage obligations. If buying a home with a mortgage is still only in your plans, then in order to receive and spend your mother’s money on an apartment, you previously had to wait until your second child’s 3rd birthday. Now this ban has been lifted, but for expenses for other purposes, the 3-year period is still relevant, with the exception of expenses for the rehabilitation of disabled children.

All this time, the promised maternity capital funds are kept by the state. Previously, the amount was indexed annually, which allowed it to grow by 80% of its original size. In the last 2 years, the size of the subsidy has not increased due to the difficult economic situation in the country.

The likely return of indexation is quite controversial - an increase in maternity capital is expected in 2019 with simultaneous attempts to “push through” the project with the refusal of an increase until 2020. Therefore, it is not clear what to expect, if the project is accepted, the amount will remain in the amount of 453 tr.

New areas of use of maternity capital

Those who are far from completing paperwork after the birth of their second child only remember that family capital can be spent on a mortgage or purchasing a home. There are actually 4 possible ways to use these tools:

Improving living conditions.
Maintenance and treatment of a disabled child.
Directing funds to the funded part of the mother's pension.
Payment for education and maintenance of a child in an educational institution.

The most popular way to sell a certificate is to pay a mortgage and other expenses aimed at improving living conditions. In particular, you can spend money on building a house or seriously reconstructing it. Now we are talking about allowing maternity capital to be used for routine repairs in existing housing. In addition, other ways to use the money received from the state are planned. While these options are not yet final, the project is now only being approved for the following expenses:

Home renovation.
Purchase of land.
Mother starting her own business.
Purchasing a domestic car.
Monthly payments to low-income families.
A one-time payment of part of the money from the total amount.

The latter is already being practiced due to a temporary denial of indexing. The amount of one-time payments is insignificant, it does not exceed 25 thousand rubles. The remaining points will be considered in the future, as well as questions about the continuation of the demographic program for future children, as well as whether maternity capital will be issued in 2019 to mothers of already born babies. Discussions about this form of increasing the birth rate have not yet subsided, so there is a possibility that the program will not be extended.

Disputes about the effectiveness of the birth control program

2-3 years after the start of issuing certificates for maternity capital, those who expressed an opinion about the ineffectiveness of the program began to appear. Basically, we are talking about the fact that money from the state does not push parents to have a second child, but only pushes this fact forward in time. People who have this opinion believe that the issue of having 2 children has already been resolved in many families; they simply planned to have a second child later.

At the same time, hundreds of thousands of certificates for receiving maternity capital were issued by those mothers who, thanks to the current program, decided to have a third child. In the country as a whole, after the launch of the program, a surge in birth rates was recorded.

Ordinary people don’t have to try to find any official statistics - they just need to look around and see how many more mothers with 2-3 children there are on the streets now than there were 10 years ago. At the same time, statistics confirm the fact of an increase in the birth rate, which leads the government to difficult choices. For the budget, such payments are not the most comfortable, but the program is effective; now we need to decide whether maternity capital will be issued in 2019.

Plans to extend the program

At the end of 2017, many wondered whether the program would continue to operate. For now, the official deadline for issuing certificates is December 31, 2018. We are already studying further prospects and plans for issuing maternity capital in 2019. There are projects to extend the program until 2023 and until 2025, although such long periods are not yet discussed - in the event of a possible extension of the issuance of certificates, short periods will be considered.

Ahead of the 2018 elections, many expect that one of the moves will be to extend the program. Even if maternity capital continues to be issued in 2019, we should expect changes in the program itself. There are no specific projects for change yet, so far there are only proposals and guesses.

The latter includes the fact that the program will continue to work without significant changes. At the same time, there are many rumors about the possible modernization of the program. There are the following possible changes:

targeted payment for low-income families;
the program is valid only in certain regions;
replacing a one-time payment with monthly benefits.

There is also a small probability that, due to the difficult economic situation, the issuance of family capital will stop altogether or be suspended indefinitely. Those who gave birth before the end of 2018 should not worry about their payments - they will still be made on time. At the same time, there is a document signed by the president regarding the concept of demographic policy of the Russian Federation until 2025. Therefore, the probability of completely curtailing the program is quite low; all that remains is to wait for new decrees regarding the program that actually works and helps the population.

Due to changes in legislation and the crisis situation in the Russian Federation, citizens have many questions related to receiving and issuing material assistance in the form of maternity capital.

Let's find out what innovations will be in the country in 2018-2023, whether maternity capital will operate, who will be able to receive it - and what to spend it on.

The amount of maternity capital in 2018 - how much maternity capital will they receive for the birth of a second or subsequent child?

The unstable financial and economic situation in Russia does not allow annual indexation of maternity capital.

Recently, a project of the Ministry of Labor was developed, which indicates that indexation will be suspended until 2020. Instead, they plan to hold recalculation of the size of maternity capital, based on actual inflation.

The bill has not yet been approved. Whether they will accept it is unknown.

But the plans were confirmed verbally by the Prime Minister of the Russian Federation; only a documentary formality remained. In June 2017, at a government meeting, Dmitry Medvedev announced that there were no plans to change the amount of maternity capital until January 2020.

The amount of maternity capital in 2018 will be 505 thousand rubles.

If the bill comes into force, the amount of maternity capital will remain the same and will be 453 thousand rubles.

There are no other decrees and orders in the distribution of the Pension Fund budget for 2018-2020.

Will maternity capital be abolished in 2018 - all the latest legislative news

The maternity capital program is in effect until December 31, 2018. After this date, families will not be able to apply for such financial assistance.

Citizens who applied on time will receive maternity capital, but new applications for documentation will not be accepted.

Maternity capital may be cancelled, but so far no supporting information has been received.

There have been recent changes in legislation. A bill is under consideration according to which the program could be extended until 2023.

However, whether this will be the case is also unknown.

The Ministry of Labor of the Russian Federation insists on the extension, citing an important reason - the program will help maintain positive demographic trends. After all, the situation with the birth rate in the country has changed noticeably, the indicators have increased significantly, and funds have already been allocated to the budget of the Pension Fund of the Russian Federation.

Maternity Regional Capital - what additional maternity capital will the regions of Russia receive?

The federal program to support families in Russia has been in effect for 10 years. But it should not be confused with regional support provided by the authorities in the regions of the country. Additional assistance is provided in almost every subject of the Russian Federation.

Regional support programs may differ from each other - but, basically, they provide financial assistance to citizens using funds from the budget of a certain constituent entity of the Russian Federation.

Additional assistance in the regions can be expressed in the form of:

In the form of maternal regional capital. Families and parents raising at least two children can count on it. The amount of capital is set differently in each region.
One-time payments for the third child. Some programs are designed only for large families. Typically, the amount of such material support does not exceed 100 thousand rubles.
Other one-time payments for low-income and needy families. If a family does not meet the criteria for receiving regional maternity capital, it may receive targeted assistance. Its size will be much smaller than the size of maternity capital.
Regional maternity capital in the amount of federal- for those who have adopted a child. Such a program operates in Bashkiria.

– an effective way to increase the birth rate in the country. The government annually reviews the conditions for receiving it, the target direction and timing of the provision of funds. Today, applications are approved by PF employees within one calendar month, and money is credited to the owner’s account no later than 10 days from the date of approval of the application. This has a negative impact on the purchase of real estate, since many sellers do not want to wait to receive funds. Due to the current situation, the period for issuing maternity capital will be halved from 2019. This proposal was made by D. Topilin. The near future will tell whether it will be implemented.

The right to receive a certificate applies exclusively to citizens of the Russian Federation. It appears immediately after the birth of the child. This could be the second, third or subsequent baby. Please note that this is only possible once in a lifetime. It is not issued for the birth of every child, contrary to the erroneous opinion of some citizens. If the family has not exercised its right to receive maternity capital for the second child, it can apply for it at any convenient time before the child reaches adulthood, or after the birth of the third child.

You can obtain a certificate by submitting documents to the Pension Fund or MFC:

Statement.
Passport and SNILS of the applicant.
Birth certificates of children.
SNILS of children.

After submitting the documents, PF employees review the application within a month, after which the certificate is issued to the owner. As before, it will be possible to use it after the child reaches the age of three. An exception is taking out a mortgage loan.

There are no plans to expand the list of targeted funds in 2019.

The holder of maternal capital can direct it to:

To buy a home.
Construction or expansion of a house.
The funded part of my mother's pension.
Training in a licensed educational institution.
Down payment on a mortgage.
Mortgage repayment.

When purchasing an apartment, the owner of the certificate must issue a certificate to all family members.

What innovations await MK in 2019?

In addition to reducing the time it takes to approve payments, you can also predict:

New extension of the program period. Its completion date has now been postponed to the end of 2021. Perhaps next year it will be extended for several more years;
Amendments to the conditions for issuing a certificate. As the program has gained widespread popularity, significant innovations in the rules for obtaining a certificate are likely. Perhaps it will be issued only to low-income segments of the population, or to large families with three or more children;
Increase in amount for large families. The government is considering increasing the funds in the certificate account for families who plan to have a third or subsequent children. There is an opinion that the funds will be increased to 1.5 million rubles;
Changing the target direction. It is possible to adopt a bill on the transfer of funds from domestic production. Only large families will be able to take advantage of this right. It is also possible to obtain permits to purchase land. Now families can only buy a private house, taking into account the presence in it of all the conditions necessary for a full-fledged life for children (living conditions, connected gas, water and electricity);
Receiving funds in your hands in the form of monthly amounts. A similar innovation was adopted in 2018, so it will be continued in 2019. It will make it possible for low-income groups of the population to withdraw part of the funds from the certificate every month until the child turns 1.5 years old;
One-time payment from maternity capital in 2019. The government annually considers the possibility of issuing a certain amount from maternal capital. The last time it was carried out was in 2015-2016, the amounts were . It is possible that they will be provided in 2019.

Today it is difficult to say exactly what changes regarding maternity capital will be adopted in 2019. Despite this, we can confidently talk about reducing the period for issuing funds. For those families who have not encountered the intended use of a certificate, this innovation will seem dubious. In fact, it will solve a number of problems:

find out about the approval or refusal of the application within a minimum period of 15 days;
receive funds for the purchase of real estate as quickly as possible - within 10 days;
gain trust from real estate sellers.

Thus, reducing the period will lead to the issuance of funds 25 days after the application is submitted.

Many certificate holders are concerned about the issue of indexation of funds. It was frozen several years ago. At the moment, the moratorium has been extended, so it is too early to talk about its cancellation in 2019. It is possible that the ban will be lifted if the financial situation in the country improves.

Maternity capital is one of the few mechanisms to support the country's population, which has actually shown its effectiveness. Unified financial support can be called a pattern, since it was impossible to continue to watch the country’s population literally “melt away.” Today, more than 10 years have passed since the state launched this program. The results are obvious: it was possible to stabilize the demographic situation in the country, significantly increase the birth rate in certain regions and improve the financial situation of families.

Who can count on maternity capital

However, the estimated period for the implementation of the program ended in 2016, and the Government, on the recommendations of the President, decided to extend the period of support for another 3 years. In this article we will try to figure out what will happen to maternity capital in 2019.

As a general rule, those families in which a second and subsequent child was born can count on financial support. The law also allows parents who have adopted a second child to receive maternity capital.

Note! In case of deprivation of parental rights, the allocated money will go exclusively to the needs of the child from the moment of majority. Until the parents have their rights restored, they will be prohibited from accessing capital.

As for the prospects for further development of the program, so far no official statements have been received from government bodies. However, the Government assesses the program as effective. According to representatives of the department, maternity capital ensured population growth even in those regions where results were least expected.

But they still look at the future carefully.

Experts are already pointing out that 2019 could become a new test for the domestic economy.

A budget reduction of 2-3% is expected, which will put pressure on almost all areas of citizens’ lives. In such gloomy prospects, is it worth thinking about additional allocation of hundreds of billions from the state treasury? This issue will be discussed more than once. Naturally, for young families who have just acquired their first child, it is already interesting to learn about the extension of state support.

Some people expect to get a mortgage with the inclusion of capital funds, while others want to improve their living conditions. Maternity capital allows the use of funds in both cases. In general, all that remains is to wait until the country's leadership makes a final decision.

Options for expected changes

Along with the prerequisites for extending the program, possible changes to maternity capital in 2019 are being actively discussed. Having studied in detail the current economic situation in the country, weighing the pros and cons, experts have outlined three options for changes that are likely to affect family capital in 2109. So let's look at them.

Maternity capital will be extended without any changes

For many ordinary citizens, this option seems more plausible, since even a person who does not understand the intricacies of economic reality understands that it will be difficult for the domestic budget to increase the amount of allocated funds. But the main issue remains the extension. The figures given are 5-10 years. The head of the Ministry of Labor joined the supporters of the prolongation of “capital” and expressed her point of view. The official believes that every year in the country the number of women who can bear a child decreases, hence the urgent need to increase the birth rate.

Maternity capital will be extended, but in a modified form

In particular, experts in the field of demography note that in some regions there have been no problems with fertility for a single century. Hence the logical question: should these regions be included in the new program? Public opinion on this matter varies greatly. People believe that such discrimination can have a detrimental effect on the general principles of unity of the people. Russia is a multinational country, so it cannot be allowed for one region to be in a privileged position, while others can only watch as people receive government support. The majority of parliamentarians share this opinion.

Support may be canceled altogether

Leading experts in the field of economics have been voicing this idea for several years now. In their opinion, giving up “capital” could keep more than 300 billion rubles in the treasury. Indeed, given the current deficit and relative idleness of the economy, the figure is quite serious. However, a complete refusal to support families can also have negative consequences. In particular, such an important area for the economy as mortgage lending developed precisely thanks to the certificate. Banks accepted it as a down payment, which subsequently reduced the loan burden for the recipient. In general, not everything is as smooth as it seems to supporters of savings.

Another more interesting idea was discussed on the sidelines of the State Duma. Some deputies proposed extending the program in 2019, but with one condition - only families in dire need would be able to count on help. The idea did not receive unanimous support. It should be noted that to implement such a scheme into reality it will be necessary:

create a whole mechanism to identify families in need;
check the validity of each applicant.

Where can the funds be sent?

Maternity capital differs from other government support measures in that it is intended for its intended purpose. Back in 2005, when they were just preparing to adopt the maternity capital project, the state established a clear framework for the use of allocated funds. So, let’s remember what the payment was originally calculated for:

Improving living conditions. It was allowed to use the funds to purchase building materials, or to include the cost of capital in the down payment on a mortgage.
Use to form a mother's savings account.
Pay for the child's education. After he entered a paid educational institution, funds from maternity capital could be used to pay for the educational process.
Treatment of a disabled child. If the second child was recognized as disabled, the mother had the right to spend money on his treatment.

The listed directions for the implementation of support funds remain in force today. But it is expected that if the program is extended in 2019, the list of areas for use will expand significantly.

For example, it will be possible:

calculate for a one-time payment of the amount in full;
purchase a plot of land or a car with allocated funds;
every month, a family that has maternity capital and is recognized as low-income will be able to count on periodic payments to meet household needs;
send money to carry out major repairs in a residential area if such an apartment or house is found to be in poor condition.

The concern is the first point, according to which the mother will be able to immediately receive a significant part of the maternity capital. In this case, the basic principle of the program - respecting the interests of the child - may be violated. Taking into account the issue of targeted spending, it can be assumed that even if maternity capital is in effect in 2019, the prerogative of free use will most likely not be included.

What should you consider after receiving maternity capital?

Before spending a certificate, its owner should remember a few points:

According to current legislation, family capital can only be received once.
You can contact the Pension Fund at any time from the date of birth of your second or subsequent child.
After three years from the date of birth of the child, the family has the right to apply for the disposal of funds from the family capital. At the same time, if there is an urgent need to improve living conditions or the family plans to buy an apartment with a mortgage, including the cost of “capital” as an initial contribution - in all these circumstances, non-cash payments are made out of turn.
Family capital is not subject to taxation obligations. That is, the funds spent are not subject to duty, as with other income of an individual.
If the court deprives the parents of the right to raise a child, then at the same time they are deprived of the right to a certificate. The certificate also expires in the event of the death of the child.
Any attempt to cash out funds is illegal. Only through non-cash payments can you manage funds from maternity capital. If a person, bypassing all the rules, agrees to full cashing out, then he, together with the entity that provides such services, becomes an accomplice to the crime. The Criminal Code provides for an article on misuse of public funds. Such actions fall precisely under this norm.
If you lose your certificate, you can issue a duplicate at any time.

This information will be useful not only for those who have already received their assistance package, but also for those who are still counting on the extension of the program in 2019. In any case, these nuances will be relevant in the future.

What will the country's leadership focus on?

Finally, let’s look at what the Government of the Russian Federation will be guided by when the second term of family capital ends. Moreover, this same extension period expires after 2018.

The first thing people will pay attention to is the demographic situation in the country.

If it does not change, then the state will still extend the program, even to the detriment of the budget.

Another parameter is the economic situation in the country. This indicator will determine the structure of the program if it is extended. That is, in a stable situation, you can expect that the family capital will be extended with changes.

Efficiency in the use of funds is another point that will likely be emphasized. If the allocated money is spent contrary to the interests of the child, then the effect becomes minimal.

Thus, a whole range of factors influence the future fate of the program. In any case, support gradually fulfills its main goal - increasing the birth rate, so the option of its further extension is still relevant.

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