Within the territory of Russian Federation a number of regulations are in place to improve demographic situation... One of the methods of increasing the birth rate is the provision of maternity capital.
The authorities issue a certificate to those families in which the second and subsequent children have appeared. Officials considered it inappropriate to provide maternity capital for families who have given birth to one child.
Amount of maternity capital in 2019
In 2019, representatives of the authorities issue a certificate, the equivalent of which is 453,026 rubles. This amount cannot be used for personal purposes. About what you can spend maternal capital in 2019 indicate regulations... The authorities emphasize that after receiving the funds, the family can improve their material condition and acquire the necessary living space by using the certificate for obtaining a mortgage. The funds can be used for the first installment or to pay off the loan.
In order for the rights of the child to be protected at the legislative level, his share is indicated in the purchased property. There is also the option of acquiring the necessary building materials if the house in which the family lives needs reconstruction.
The family can use the funds to build a residential building on a specific plot. Authorities say that maternity capital can be used to pay for preschool education of children (for example, bills in kindergarten).
Additional support measures
On the territory of the Russian Federation, additional norms begin to operate, providing for the provision of a monthly allowance for the second baby until he turns one and a half years old. Only families whose average per capita income does not exceed one and a half of the subsistence level of the region of residence can rely on certain amounts from the maternity certificate.
Children who have received a disability due to certain reasons can count on adaptation (for example, items for children with limited mobility are purchased at the expense of maternity capital).
The funds can be used to form the future funded pension of a woman who is a mother. You cannot cash out the certificate. The exception is families whose income level is unsatisfactory. The authorities can check at any time where exactly the funds are going, since they are intended for specific purposes.
In 2019, certificates for maternity capital will be issued in the amount of 453,026 rubles. The last time the indexation of the capital was carried out in 2015, since then its size has remained unchanged. The next time the amount of the certificate will increase on January 1, 2020 - up to 470,241 rubles (this value follows from explanatory note to the draft law on the budget of the Pension Fund for 2019 and the period 2020-2021).
It will be possible to spend capital funds in the same directions as in 2018:
- improvement housing conditions; payment for the education of any child in the family (regardless of the order of birth or adoption);
- formation of the mother's pension; social adaptation of disabled children (receiving compensation for paid goods and services);
- monthly payments when the second child appears.
Although the size of maternity capital (MC) will not increase, and the list of permitted spending areas will not expand, in 2019 some changes will be made to the program. The recipients of the capital will be able to legally use it for the construction of a "country house" (although at the legislative level this concept will be abolished). Also, the decision to issue a personalized certificate of MK will be made not in 1 month, but in 15 days.
Will maternity capital be indexed in 2019?
In 2019, maternal (family) capital (MSK) is indexed was not... Although a regular increase in the amount of the certificate, taking into account the rate of increase in inflation, is provided federal law about the capital (part 2 of article 6), due to the crisis economic situation in the country the size of the MSC was frozen in 2016-2019.
During the period when the indexation was carried out every year (from 2007 to 2015), the capital increased by 81 percent - from 250 to 453 thousand rubles... The most significant increase occurred in 2009 - by 13 percent, and the minimum in 2014 is by 5 percent.
Annual indexing will resume from January 1, 2020... Since according to the forecast of the Ministry of Economic Development in 2020 and 2021 inflation will grow by 3.8 and 4 percent accordingly, which is lower than in previous years, the amount of capital will increase at a less significant rate.
For the first time, it became known about the end of the freezing at a meeting of the Government in June 2017, during which Dmitry Medvedev announced the indexation of the mother capital. Then, in the fall of 2017, Vladimir Putin spoke about the extension of the federal program until 31.12.2021, the corresponding law No. 432-FZ was signed by the President on December 28, 2017.
When and how much will the maternity capital be indexed?
Of course, maternity capital will not be frozen forever. Already next year, the indexation of maternity capital will be resumed and the amount of payments will increase to 470,241 rubles (this value follows from the draft budget characteristics of the Pension Fund). The plans of the government in 2017 were announced by the Prime Minister of the Russian Federation.
However, you need to remember that soon the maternity capital will cease to exist, so it is better to get it right now. Recall that in 2018, the authorities of the Russian Federation issued a law according to which maternity capital was extended until December 31, 2021. That is, as early as January 1, 2022, parents will not be able to receive assistance from the state for childcare.
Our construction company "SK-Plotnik" accepts applications for construction wooden houses from a bar, as well frame houses for maternity capital. The offer is relevant for Moscow and all regions of the Russian Federation.
The procedure for the construction of a wooden country house for maternity capital
You need to choose a house project and clarify the cost of construction. If you are interested in one of the projects on our website, you can contact us by phone 8 800 550 24 29 (free call) or fill out a feedback application under the project.
We can also offer the construction of a house according to your project, which can be sent to our e-mail.
After discussing the project, agreeing on the terms of construction and calculating the final cost of work, we draw up a contract for the construction of a house.
You submit the contract prepared by our company to the branch of the pension fund at your place of residence and fill out an application for the disposal of the maternity capital.
In addition to our contract, you will need other documents:
- maternity capital certificate;
- documents for a plot - this is a certificate of ownership, an extract from the USRR or a lease agreement for a long term;
- marriage certificate, if the land belongs to the spouse;
- papers from the local administration permitting construction (that is, you must first obtain a construction permit, which can be ordered through the MFC);
- identity documents of the owner of the capital and / or spouse;
- the obligation to register the built house in the common property of all family members.
Employees of the pension fund conduct an audit of all documents within one month, check the accuracy of the data provided both by our organization and by the applicant. After this period, approval is issued, and the maternity capital funds are transferred to the account of our organization.
Information about the transfer comes from the staff of the FIU. After receiving the funds, we prepare the house kit within two weeks and proceed to the start of construction.
Very often, having a maternal certificate in hand, a young family cannot use it to build a suburban wooden house, since the second child is not yet three years old.
In this case, you can use mortgage lending from JSC LokoBank or an offer of any other bank and issue a loan for the construction of a house from a bar, and then use the funds of maternity capital to repay the loan.
Good news for those who are planning to build a house with maternity capital. According to the decree of the Government of Russia, the terms for the payment of these funds were reduced. You can dispose of money after 40 working days from the date of application. Let us remind you that earlier this procedure took two months (60 days), which were required to transfer funds. Now the application process takes 30 days, and the funds are transferred within 10 working days.
This decree entered into force on March 15, 2017. The state allows the use of maternity capital to improve housing conditions, provide a mother's pension and pay for the education of children. Consider the first option for using funds, namely, building a house with maternity capital.
Note that cash provided under state program, are often used precisely for these purposes: to improve living conditions. The issue of housing remains relevant as for residents large cities, and for the inhabitants of the suburbs or hinterlands. Thanks to this money, you can build a house in addition to an existing city apartment, build a country cottage or a major private house for permanent residence of the whole family.
Conditions for receiving funds under the Maternity Capital program:
- Birth or adoption of a second or next child.
- Birth or adoption of a child after 2007.
- The child and mother are citizens of the Russian Federation.
An important condition: the right to receive maternity capital at the birth of the third and subsequent children remains with the parents only if this right was not previously exercised.
The amount of funds paid at the beginning of 2018 is 453,026 rubles. It is impossible to cash out capital for construction in 2018. To receive payment, you must issue a certificate.
Rules for obtaining a certificate.
The issuance of certificates is carried out Pension Fund Russian Federation. For registration, you should submit the following documents:
- Passport of a citizen of the Russian Federation.
- Child's birth certificate.
- Document confirming the child's citizenship.
Building a house for maternity capital.
We remind you that the use of funds issued under the state program is possible only three years after the birth of a child. However, there is one important exception to this rule: money can be used earlier if it is used to pay off a home loan.
Therefore, in order to immediately send the payment to construction, you first need to get a loan. On the basis of a loan agreement, you need to demand reimbursement of costs from maternity capital. It should be remembered that the house in this case must be built no earlier than January 1, 2007.
The step-by-step process of building a house for maternity capital:
- The first step is purchasing or renting land plot as well as the purchase of property rights. Remember that capital reimburses construction costs, not land acquisition costs.
- Then it is necessary to decide the question of how the project will be implemented: whether a contractor will be involved or the house will be built on its own. Regardless of the option chosen, funds from maternity capital can be spent on construction.
- The next stage is the submission of a package of documents to the Pension Fund, which includes:
- A copy of the building permit for the house.
- A copy of the title deed to the land plot.
- Obligation confirming the ownership of the constructed object by all family members.
- A copy of the contract for construction (in case a third party is involved).
- The Pension Fund considers the appeal within a month, after which it makes an appropriate decision.
- Based on the decision of the FIU, the funds are transferred to the recipient. They can be transferred to a personal account or an account of a contractor.
- Direct construction of the cottage.
Clients often face a problem when the size of the maternity capital is less than the construction estimate. In this case, you will have to either reduce the estimate, or compensate for the missing amount with your own funds. You can also order from a contractor the construction of a house from a bar for shrinkage or without finishing. It's fast and inexpensive. And after a year and a half, having saved up the necessary amount, carry out further work on their own.
And one little trick we saved for last. If you do not want to wait three years for the use of maternity capital for construction, start implementing the project right now. Yes, this will require personal funds. But if you keep all the receipts and payment documents, you can apply for compensation when the baby is three years old. And in this case, the Russian Pension Fund will compensate your expenses within the amount provided by the state program.