How to apply for maternity capital in 2021 and what you can spend money on

2024 Author: Malcolm Clapton | [email protected]. Last modified: 2023-12-17 03:44

Mortgage - please, car or vacation - alas, no.

The state is trying in various ways to increase the number of its citizens. Therefore, maternity capital appeared - a bonus for those who decided to have children. Recently, he was issued only for the second child, but since 2020, payments are also due for the first.

What is the size of maternity capital in 2021

It depends on when the children were born:

1. If the first child was born or was adopted after December 31, 2019, the mother is entitled to 483,881.83 rubles. Another 150 550 rubles will be paid for the second one.
2. If the first child appeared before January 1, 2020, and the second baby after, then the maternity capital will be equal to 639,431.83 rubles. This is the sum of two payments from the first item. The entire amount is also due if the child is third, fourth, and so on, but previously the mother did not have the right to formalize capital. This is possible if all previous children were born before 2007.
3. If both children were born before January 1, 2020, the payment is due only on the second. It will amount to 483,881.83 rubles.

Matkapital is periodically indexed. Moreover, this also works in cases where families received it earlier, but did not spend it. So if you issued a certificate in 2020, but did nothing with it, then you still have the amount of 2021 at your disposal.

Important: this text is about federal maternity capital. In some regions there are also regional ones. It is better to find out information on them in the local authorities.

What can be paid by parent capital

It is not necessary to use the entire amount at a time, it is allowed to spend it in installments. In most cases, you will have to wait until the child for whom the mother capital was issued turns three years old. If the money can be used ahead of schedule, this will be indicated separately in the text.

In relation to maternity capital, words like "paid" or "money" are often used. But we must understand that basically no one gives out any money to mothers. They receive a certificate that confirms the right to capital. And the Pension Fund transfers the funds to the final addressee if the mother decides to spend the money in one of the permitted ways. There are not many of them.

Improving living conditions

With the help of mother capital, you can:

• Buy a house or apartment. Both a new building and secondary housing are suitable.
• Build a house with the help of contractors or on your own, including on garden plots.
• Reconstruct housing.
• Make a down payment on a loan when buying a home. Moreover, in this case, there is no need to wait for the child's three years.
• Pay off part of the principal and / or interest on an existing mortgage. There are no requirements for the child's age either.
• Pay for participation in shared construction or housing cooperative.

Child's education

You can pay with maternity capital:

• kindergarten educational services and supervision and care;
• schooling and extended-term education;
• secondary specialized or higher education, as well as living in a hostel;
• classes in circles or sections.

At the same time, it is important that the organization has a license to provide the service. You can pay for the classes of any child under 25 years old, not only the one for whom the mother capital was issued. But if we are not talking about a kindergarten, then we will have to wait until the third birthday of the baby who brought the family a certificate.

Adaptation and integration into society of a child with a disability

Only goods and services from the list established by the government are allowed to pay with capital. You can buy, for example, a bath chair, a dedicated keyboard, or a lift.

Mom's pension

At the expense of the maternity capital, it is possible to increase the funded part of the old-age pension for the mother. It is allowed to invest in non-state pension funds and private management companies, and even to unemployed women.

Before reaching retirement age, money from the fund can be withdrawn to be used for other purposes permitted by law.

Monthly allowance for a second child under three years of age with low income

A family in which the average per capita income is less than two living wages in the region can apply for benefits for the first and second child up to three years old. It is equal to the regional cost of living for children and is paid monthly.

But if money is allocated from the budget for the first child, then the funds of the mother capital are spent on the second.

Who is maternity capital issued to?

From the name it is clear that the mother. Only in exceptional cases does this right pass:

• the father, if the mother is deprived of parental rights, died or he adopted the child alone;
• children if they have lost both parents or are deprived of parental rights.

How to apply for maternity capital

From April 2020, the Pension Fund assigns maternity capital automatically. This is done as soon as the data about the new baby comes from the registry office. Mom learns about the issuance of a certificate through "State Services" or a personal account on the PFR website.

If you don't have an account on "State Services" or the PFR website yet, the child has been adopted, or you just want to do everything faster, then you can submit an application personally to the Pension Fund office or through a multifunctional center. And also online through the PFR website or through the "State Services" - but, of course, you still have to register.

In addition to the application, you will need the following documents:

• birth certificate and / or court decision on the adoption of children;
• passport and SNILS of the one who draws up the certificate.

The decision must be rendered within five days. In rare cases, if the FIU employees have additional questions, for example, on documents, the period may be extended.

It is allowed to apply for a certificate at any time.