– effective way increasing the birth rate in the country. The government annually reviews the conditions for obtaining it, the target direction and timing of the provision of funds. Today, the approval of applications by the employees of the Pension Fund is carried out within one calendar month, while the money is credited to the account of the owner no later than 10 days from the date of approval of the application. This has a negative effect on the purchase of real estate, as many sellers do not want to wait for funds to be received. Due to the current situation, the period for issuing maternity capital will be halved from 2019. This proposal was made by D. Topilin. Whether it will be implemented will show in the near future.

The right to receive a certificate applies exclusively to citizens of the Russian Federation. It appears immediately after the birth of the child. This may be the second, third or subsequent baby. Note that it is possible once in a lifetime. He is not given out 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 issue it at any convenient time before the child reaches the age of majority, or after the birth of the third child.

You can get a certificate by submitting documents to the PF or MFC:

1. Statement.
2. Passport and SNILS of the applicant.
3. Birth certificates of children.
4. SNILS of children.

After submitting the documents, the PF employees consider 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 the registration of a mortgage loan.

In 2019, it is not planned to expand the list of targeted funds.

The holder of the mother capital can direct it to:

• To buy a home.
• Building or expanding a home.
• The funded part of the mother's pension.
• Education in a licensed educational institution.
• Mortgage down payment.
• Mortgage repayment.

When buying an apartment, the owner of the certificate must be issued to all family members.

What innovations await MK in 2019?

In addition to reducing the time for approval of payments, you can also predict:

1. New extension of the program. The completion date has now been moved to the end of 2021. Perhaps next year it will be extended for a few more years;
2. Making changes to the conditions for issuing a certificate. As the program has gained wide popularity, significant innovations in the rules for obtaining a certificate are likely to be introduced. Perhaps it will be issued only to low-income segments of the population, or to large families with three or more children;
3. Increase in the amount for large families. The government is considering increasing the funds in the certificate account for families with a third or subsequent children. There is an opinion that the funds will be increased to 1.5 million rubles;
4. Change in target direction. It is possible to adopt a draft law on the allocation of funds from domestic production. Only large families will be able to use this right. It is also possible to obtain permits to purchase land plot. 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 of children (living condition, connected gas, water and electricity);
5. Receive funds in the form of monthly amounts. A similar innovation was adopted in 2018, so in 2019 it will be continued. It will make it possible to withdraw part of the funds from the certificate to low-income segments of the population on a monthly basis until the child is 1.5 years old;
6. Lump sum payment from maternity capital in 2019. The government annually considers the possibility of issuing a certain amount from the capital. The last time it was carried out in 2015-2016, the amounts were . It is possible that they will be available in 2019.

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

• find out about the approval or refusal of the application in the shortest possible time - 15 days;
• receive funds for the purchase of real estate as quickly as possible - in 10 days;
• gain trust from real estate sellers.

Thus, the reduction in the period will result in the disbursement of funds 25 days after the application is made.

Many certificate holders are concerned about the indexation of funds. She was frozen a few 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.

The State Duma has approved the size of matkapital for the next three years. The amount of maternity (family) capital in 2019 will be 453,026 rubles, in 2020 the amount will already be 470,241 rubles, and in 2021 - 489,051 rubles. These figures appear in the budget pension fund for 2019 and the planning period of 2020-2021, which the State Duma adopted in the third reading on November 20. The document also says that social pensions will increase by 2.4% from April 1, 2019. From April 1, 2020, they should grow by 3.9%, and in 2021 - by 2.7%. In addition, the budget provides for an annual increase in the size of the old-age insurance pension for non-working pensioners by a thousand rubles.

How much maternity capital in 2019 for 2 children, the amount

On November 14, 2018, the Russian government prescribed that the amount of maternity capital in 2019 will be 453 thousand rubles, and in 2020 - 489 thousand. And from October 31, the period for which citizens are required to answer whether they will receive a payment has been reduced. If earlier it took a month, now the state bodies are obliged to respond in two weeks.

Maternity capital in 2019: changes, latest news for 2 children

Maternity capital in 2019 can be used as part of a mortgage, or a down payment for a loan.185.39.197.137 Also in 2019 maternal capital can be used as partial payment for education, or for services provided for the upbringing of children. It will also be possible to pay for the appropriate conditions that help children with disabilities adapt to society. The maternity capital in 2019 can be used to make savings contributions to the account of the mother who is raising the child. Some other changes are also possible, starting from 2019. For example, parents will be able to withdraw a fixed amount of maternity capital in cash at an ATM, or cash out in banking institutions and not provide the relevant documents that guarantee that these funds will be used for the education of the child, or for his upbringing needs. But this amount must be fixed and paid only once.

In 2019, the freezing of maternity capital was extended, its amount, as in the previous year, is 453,026 rubles. The next indexation will take place in 2020, after which certificates for mother capital will be issued in the amount of 470,241 rubles. The program itself will be valid until the end of 2021, but with a high degree of probability it will be extended again.

No new maternity (family) capital (MSK) was added. Recipients of a personal certificate can spend its funds for the same purposes as in 2018:

• acquisition or construction of housing (with or without a loan);
• children's education;
• increase pension savings mothers;
• compensation for goods for the adaptation of children with disabilities;
• payments monthly allowance when a second child appears in the family.

There were no significant changes in the family capital program, but some were added anyway. In 2019, citizens can legally use MSCs for the construction of an individual housing construction facility on a garden plot (SZU).

Photo pixabay.com

Will there be indexing?

According to part 2 of Art. 6 of Federal Law No. 256-FZ of December 29, 2006, the amount of maternity capital is subject to annual review, taking into account the projected level of inflation. This provision was implemented until 2016, but due to the difficult economic situation, indexation was suspended (Article 12 of Law 444-FZ of December 19, 2016 on changing the provisions of certain legislative acts). The next indexing will pass January 1, 2020.

Initially, it was assumed that the mother's capital would be frozen for one year, but in September 2016, Maxim Topilin announced that in 2017 the size of the MSC certificate would not increase either. The head of the Ministry of Labor explained this decision by the fact that maternity capital in most cases is directed to the purchase of housing, and prices for it have not been rising recently. Prior to the decision to freeze, it was planned that in 2016 the mother's capital would increase by 4.8 percent, to about 475,000 rubles.

Attention

It should be noted that during indexation, not only the amount of newly issued certificates increases, but also the amount of the unspent balance of funds on previously received certificates. The increase does not take place by any specific amount, but by the amount of projected inflation (in 2020, its level will be 3,8% ).

• during a personal visit;
• through the personal account of the insured person on the PFR website, this can be done using an account from the State Services portal.

Attention

Watch video on the channel BenefitsAnswer: in it we answer questions about maternity capital. Subscribe and leave comments! Perhaps it is your question that will fall into the next video and help someone.

The amount of maternity capital in 2019

Since the freezing of maternity capital continued in 2019, its amount is 453026 rubles. Regular indexing of MSCs will resume from 2020, the certificate size will increase as follows:

• in 2020 - up to 470 thousand rubles;
• in 2021 - up to 489 thousand rubles.

The indicated amounts follow from the explanatory note to the draft federal law on the budget of the Pension Fund, drawn up for 2019, as well as for the period 2020-2021.

During the period of the federal program (starting from 2007), the size of the MSC has increased from 250,000 up to 453026 rubles(more than 80%). The most noticeable increase in the amount of the certificate was in 2009 - by 13%. The table below shows how maternity capital changed each year.

Until what year was the maternity capital extended for the second child?

Maternity capital will operate at least until 31.12.2021 The law amending it was signed by the President in December 2017.

With a high probability, this federal program will be extended and after 2021 about what in the interview news agency RIA Novosti reported Tatyana Golikova. The Deputy Prime Minister explained that materiel is a significant motivating factor for a family to have children. Now the country is experiencing another demographic failure. From January 1, 2019, 12 more national projects will be launched, including the Demography project, the result of its action, as well as the maternity capital program, should be a natural increase in population by 2024.

What can you spend maternity capital on in 2019?

The list of permitted directions for disposing of maternity capital remained the same (as in 2018). You can use the funds of the MSC certificate in 2019 on:

1. Improvement of living conditions:
   • acquisition of housing (under a sale and purchase agreement, a loan agreement or a loan agreement, an equity participation agreement, as well as with participation in cooperative construction);
   • construction or reconstruction of a private house (with the involvement of contractor or not).
2. Children's education:
   • obtaining paid educational services for educational programs in organizations that have received a license to conduct relevant activities;
   • payment utilities and use of residential premises in a hostel for the period of study at a higher or secondary educational institution;
   • payment for preschool education for children.
3. Increase mother's funded pension by MK.
4. Purchasing funds and paying for services social adaptation of children with disabilities.
5. Monthly payments from MSC for the second child.

To apply for the disposal of maternity capital, you must pass three years from birth(adoption) of a child giving the right to MSC. However, in order to use the funds of a personal certificate in some areas, it is not necessary to wait three years, among them:

1. Buying or building a home with a loan or loan(with the conclusion of a mortgage agreement or not), maternity capital money can be used for:
   • payment of the first installment;
   • repayment of principal and interest.
2. Payment for kindergarten, nursery (both municipal and private), as well as other services for the care and supervision of the child.
3. Second child allowance, paid from the funds of the certificate for family capital every month until the child is executed one and a half years. Submit this measure state support possible if the child appeared in the family no earlier than January 1, 2018. In addition, the monthly average per capita income of a family should not exceed one and a half times living wage for the working population established in a particular region. The payments themselves are provided in the amount of the living wage per child.
4. Payment of funds for social adaptation of children with disabilities, if 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 receive compensation from the funds of the MSC is established by Government Decree No. 831-r dated April 30, 2016.

Changes and latest news

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

• The decision to issue an MSC certificate to an applicant is now made not for 1 month and within 15 days. Law No. 390-FZ, making the appropriate changes, has already entered into force.
• Since 2019, federal law No. 217-FZ of July 29, 2017 on horticulture and horticulture has come into force, thanks to which mother's capital can be legally directed to the construction of an individual housing construction facility on garden land(SZU), in the past - summer cottage. The main thing is that the object under construction should not be a garden house or an outbuilding.

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

• A new direction for the use of MSCs has appeared - monthly payments from the certificate for the second child in the family, born 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 disposal of funds immediately after issuing a personal certificate.
• Vladimir Putin signed the law on the extension of family capital until December 31, 2021.

Attention

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

Maternity capital is a one-time measure of state support for families, which is provided in the form of a personal certificate at the birth or adoption of a second child from January 1, 2007. In 2019, its amount is 453026 rubles. has not changed since 2015, when the suspension decision was made (first for one year, and then until 2020). The next time the amount of capital will increase January 1, 2020- up to 470241 rubles.

Since 2018, no new target maternity (family) capital (MSK) has been added. Parents will be able to dispose of the certificate funds for:

• acquisition or , as well as ;
• (regardless of the order of birth or adoption);
• increase ;
• payment .

However, in 2019, the mother capital program did happen. Certificate funds can now be legally sent to building a cottage (summer cottages renamed garden land plots - SZU).

In addition, on October 30, 2018, Vladimir Putin signed a law to reduce the period for considering an application for a certificate from 1 month to 15 days. Now citizens can start using capital earlier.

When is the next indexing?

Next time maternity capital will be indexed January 1, 2020. The size of the certificate will increase from 450 thousand up to 470 thousand rubles.

The last time indexation was carried out in 2015, then the amount of mother's capital increased by 5.5%. It was originally planned that the freeze would last 1 year, then in December 2016, Vladimir Putin signed a law to suspend the revision of the MSC size from January 1, 2016 to January 1, 2020. The reason for this decision was the unstable financial and economic situation in the country.

From the beginning of the program (since 2007) and until 2015, the indexation of maternity capital was carried out every year, during this time the amount of the certificate increased almost 2 times - from 250,000 to 453,026 rubles. The biggest increase was in 2009, then the value of the mother's capital increased by 13%, and the smallest in 2014- Total by 5%.

After the resumption of regular indexation, the size of family capital will not grow at such an intensive pace as before 2015. The fact is that the increase takes place taking into account the projected level of inflation, and according to the estimates of the Ministry of Labor in 2020 and 2021, it will increase. by 3.8 and 4 percent respectively.

When indexing, not only the volume of newly issued certificates grows, but also the unspent balance of funds on previously issued certificates.

The amount of maternity capital in 2019 for a second child

In 2019, maternity capital is 453026 rubles. After the return of regular indexation, the mother's capital will increase first up to 470241 rubles- in 2020 and then up to 489051 rubles- in 2021. These data follow from the explanatory note to the draft federal law on the budget of the Pension Fund for 2019 and the planning period 2020-2021.

The resumption of indexation from 2020 was confirmed by Tatyana Golikova, speaking on July 24, 2018 at a meeting of the tripartite commission on social issues, however, specific figures on the size of the certificate were not announced (now they preliminary and may change in 2019). The Deputy Prime Minister noted that the annual indexation of MSCs is an integral part of the Demography project.

The program will last at least , the corresponding law was signed by V. Putin in December 2017. However, it is highly likely that it will be extended beyond 2021, as this is a significant motivating factor for families to have children.

Where can you spend maternity capital in 2019?

You can use family capital funds in 2019 in the following target areas:

1. Improvement living conditions (for own money, including mother's capital, or with the involvement of credit funds):
   • buying a home;
   • construction or renovation of housing.
2. Children's education in licensed organizations in the territory of the Russian Federation:
   • paid educational services for educational programs (accreditation is no longer required);
   • preschool education of the child;
   • payment for housing and utilities when living in a hostel during study.
3. Formation mother's retirement savings.
4. Social adaptation of children with disabilities(purchase of funds and payment for services).
5. Monthly payments for families in need, where a second child has appeared since January 1, 2018.

As you can see from the list above, no new ways to spend MSK were added in 2019, they remained the same as in 2018.

According to Art. 7 of Law No. 256-FZ, you can dispose of the funds of a personalized certificate 3 years later after the birth or adoption of a second (subsequent) child. However, for the use of MSCs for some purposes wait 3 years no need, among them:

• Buying or building a home with registration loan agreement (loan agreement). Funds can be used to pay down payment, as well as repayment of principal or interest on the loan.
• Preschool education of children. Since 2018, it has become possible to pay for the maintenance of a child in kindergarten, nursery, as well as other types of services for the care and supervision of a child immediately after the emergence of the right to MSC.
• Payments for the 2nd child. Families in need (average per capita income per month does not exceed the subsistence minimum for the working population), in which a second child was born or adopted from 01/01/2018, have the right to apply for a monthly allowance from maternity capital.
• Social adaptation and integration into society of children with disabilities. Matkapital can be used to receive compensation for already purchased goods prescribed in the individual rehabilitation and adaptation program (IPRA) of the child. The list of funds and services for which MSC funds are allowed to be spent was established by Government Decree No. 831-r dated April 30, 2016.

Changes and latest news

Although the amount of maternity capital did not increase, and no new directions for using its funds were added, in 2019, the program still had some changes:

• In 2019, the Russians had the opportunity to build residential buildings in suburban areas and register there permanent residence. The very concept of "cottage" will be abolished, summer cottages will become garden plots (SZU). The relevant law No. 217-FZ dated July 29, 2017 came into force January 1, 2019.

On October 30, Vladimir Putin signed Law No. 390-FZ amending Art. 5 of the law on maternity capital. According to its provisions, the decision of the Pension Fund to issue a certificate was reduced from 1 month up to 15 days.

The lack of tangible changes in maternity capital in 2019 is partly due to the large number of innovations in 2018:

• introduction monthly allowance in the amount of the subsistence minimum for children (the amount depends on the specific region) for the second child who appeared in the family on January 1, 2018;
• now pre-school education of children can be paid at the expense of family capital, without waiting three years from the moment the right to mother capital arises;
• the federal program was extended for at least until the end of 2021.

Maternity capital is one of the effective mechanisms for influencing demographic processes, which was introduced to increase the birth rate and encourage families to have more than one child. The process was launched in 2006, and during this period the amount of financial support increased by 1.8 times: from the amount of 250 thousand rubles to 453 thousand rubles.

The issue of maternity capital for families who plan to have a baby in 2019 remains relevant, since the allocated funds are an excellent help in important issues related to material costs on children.

Maternity capital in 2019: changes, latest news for 2 children. Who can count on matkapital

Under the program, payments are due to families in which a second or more child has appeared. For those families who will acquire their first child in 2019, financial assistance will not be provided.

There are no restrictions on the number of times to receive maternity capital, that is, if a woman has received such assistance many times already, this cannot be a basis for refusal.

A special situation develops for those who become parents of twins, triplets and so on. Despite the number of offspring already existing in the family and regardless of the number of children born at a time, multiple births give the right to receive only one amount of maternity capital.

Those who officially adopted or adopted children also fall into the category of citizens applying for maternity capital. But an adopted child, just like in the case of relatives, must be at least the second in the family.

Maternity capital in 2019: changes, latest news for 2 children. Program action in 2019

Despite the fact that the program was launched in 2006 for a period of 10 years, its duration was extended by a special federal law until December 31, 2018.

There is no official decision on the parent captal after the end of this period and the onset of 2019 yet. But the government of the country assesses the results of the program extremely positively, declaring its positive impact on the demographic situation in the country and noting the increase in the birth rate associated with the program in most regions of Russia. Therefore, the vast majority of experts in the field say that there is a good chance for another extension of such funding for parents who decide to increase the number of younger family members.

Maternity capital in 2019: changes, latest news for 2 children. Change options

Economists and Key Persons social policy There are three possible directions for changes in maternity capital payments in 2019:

• Renewal of the program in the same form, as earlier. For what period it can be extended is not known, but the most probable period is called 5 or 10 years. To do this, it will be necessary to adopt certain amendments to the existing law. The head of the Ministry of Labor and Social Protection of the Population officially expressed his point of view on the need for such an extension at least until 2021. This is due to the fact that the number of women who are able to carry and give birth to a child, in last years is steadily decreasing, so the need for large families is becoming more acute.
• Program change, which can have multiple directions. One of the options under consideration is the provision of maternity capital exclusively to those families that will be recognized as needy. In this case, a long and detailed development of a mechanism for determining such families will be necessary. Opponents of such a development of events argue that such an approach initiates the activation of the birth rate in the lowest strata of society, which may negatively affect the future fate of the nation. Such statements are supported by statistics and history, so this option is considered very unlikely. Some analysts suggest extending the maternity capital program only in certain regions or areas where the birth rate crisis is especially pronounced.

• Complete cancellation of payments. Statements by competent persons from the Pension Fund, as well as a number of authoritative financial experts, testify in favor of such a decision. Their point of view is based on the state of the public sector, which could save a huge amount (about 350 billion rubles) if the widespread payments of maternity capital are stopped.

At the moment, a draft law is under consideration regarding the extension of payments for a period of 5 years without changes. The project is supported by the social government bloc, so there are all prerequisites for its approval.

In the event that financial assistance for the birth of a second or older child remains in the same form as provided for in 2018, the exact amount of maternity capital in 2019 will be equal to 453,026 rubles, which are not subject to indexation until at least 2020. This amount is not subject to tax and other penalties.

Maternity capital in 2019: changes, latest news for 2 children. For what purposes can funds be spent?

Initially material aid provided for the following target areas:

• education and payment for services related to education provided to children;
• adaptation of children with disabilities in society;
• savings account for the mother;
• measures to improve housing conditions (obtaining new housing by purchase or on credit, reconstruction of existing housing).

New directions for the possibility of spending the amount are also being considered. If they are adopted, then by 2019 maternity capital can be spent in the following way:

• a one-time payment in a fixed amount without specifying a specific purpose;
• monthly payments to low-income families from maternity capital, which will be spent on household needs (food, utility bills, etc.);
• acquisition of a land plot or a car;
• home renovation.

Subject to the extension of the program, the amount allocated by the state in the form of maternity capital will help many families facilitate the process of material support and education of children, which will help improve the health, culture and education of the Russian population in general.

Material source Maternity capital in 2019: changes, latest news for 2 children