How to get regional maternity capital? Find out all the details

In addition to the familiar federal maternity capital, there are also regional subsidies in Russia. These payments are due at the birth of the 3rd child in the family (as a rule). The form of regional assistance and its size vary - each subject of the Russian Federation has its own family programs.

With you is Evgeny Zhukov, an expert on legal issues of the PAPA HELP portal. From the article you will learn in detail what regional maternity capital is, how it differs from the federal one, who is entitled to such payments and what they can be spent on.

In addition, I will tell you how to avoid encountering scammers in the process of selling maternity capital and answer frequently asked questions regarding the timing, amount and features of financial assistance within the framework of regional family subsidies.

What is regional maternity capital, its size and purpose

Since the demographic situation in the Russian Federation is still far from ideal, the government is doing its best to correct the situation. A significant contribution to stimulating the birth rate was made by the establishment of federal family maternity capital - financial assistance to families provided at the birth of a second child.

In parallel with federal subsidies, regions are practicing their own methods of promoting fertility. For brevity, such programs are called the general term regional maternity capital ( RMK ), although the names may vary in specific regions.

First of all, regional capital is intended for families with three or more children. The rules for using financial assistance are in many ways similar to those provided for by the federal program - funds can be spent on improving housing conditions, education and other family needs. That is, the intended use of finances is assumed - simply taking the money and doing whatever you want with it will not work.

Regional, regional and other regional programs are now operating in more than 70 regions . In addition, large cities with federal status - Moscow, St. Petersburg and Sevastopol - have their own schemes to help families.

Regions independently determine:

• conditions for receiving assistance;
• capital amount;
• ways of managing funds;
• timing of the program.

In many regions, the size of the regional maternity capital is growing annually - this is due to both inflation and the growing needs of the population. The amounts vary in each subject. For example, in the Sverdlovsk region it is 131 thousand rubles , in the Novosibirsk region - 100 thousand.

What is the amount of capital in other regions, see in the video:

In addition, there are lump sum payments for the birth of children, their sizes also vary. The amounts largely depend on the wealth of the region and economic indicators.

Today in Russia there are not many families with three or more children. Such a family is already considered to have many children. In addition to the RMK itself, city, regional and regional assistance measures provide for the accrual of additional benefits for children and support for pregnant women, the introduction of social benefits for large families and other types of assistance.

In some regions, payments are provided for the birth of a fourth and fifth child in a family. A number of subjects (Sakhalin, Magadan region) practice a different approach: in order to stimulate births at a young age, regional capital is paid to women who give birth for the first time before the age of 25, while the right to subsidies for the birth of a third child is retained.

The ways to implement maternal capital, as statistics show, are as follows: about 60% of people spend their allocated funds on improving their housing - purchasing, building, and less often - repairing. The rest spend money on education, purchasing summer cottages and other needs provided for by law.

As for the validity periods of the RMC, in most regions they coincide with the validity periods of federal programs. At the time of writing this is the end of 2019.

It is important to understand that each regional program has its own specifics. It is more expedient to consider ways to improve the demographic situation in relation to specific regions of the Russian Federation.

In one of the subsequent sections, I will tell you how to find out the conditions, amounts and options for using assistance in your regions of residence.

What it is

Maternity capital of federal significance is provided to all families in which a second or subsequent child was born (or adopted) since 2007.

Select and receive a profitable loan

The amount of this benefit is 453 thousand rubles , and the money is not given in cash, but is used for a specific set of needs. You will find out what you can spend MK on in this article.

In addition, there is a regional maternal capital program (RMC) . The authorities of individual constituent entities of the Russian Federation may allocate additional money from the budget for the purpose of financial support for parents and children.

RMK’s own programs exist in almost all regions, territories and districts of the Russian Federation. There are also separate projects in cities of federal significance - Moscow, St. Petersburg, Sevastopol.

Subjects can establish the conditions for the provision of finance, the amount of benefits, as well as a list of purposes for which they can be used.

These indicators are largely determined by the standard of living in the region and the well-being of its inhabitants.

The main difference between regional and federal support is the source of funding.

“Ordinary” MK is funds from the federal budget. Regional benefits are money from a region, city or region at the disposal of local authorities.

Benefit amounts may vary . The Federal MSK presupposes a strictly regulated amount of payments, which is relevant for all families, regardless of place of residence.

The amount of regional payments differs in different regions . And also local authorities determine the purposes for which maternal capital can be used. Basically they are similar, but there are also obvious differences.

Regional programs were a response to a proposal from the state for local support for the federal MSC project.

Although the amount of government assistance is quite impressive, it cannot always cover all necessary family expenses.

And additional support from local authorities can significantly help in purchasing a home and resolving other pressing issues.

In certain regions, you can spend RMC before the required three years have passed.

This is permissible for persons who urgently need to pay off the mortgage or pay off the debt incurred for the construction or reconstruction of housing.

What is regional maternal family capital and what is its size:

Family maternity capital regional and federal - what are the differences

So, each region and each region implements its own programs.

However, there are some common features:

1. The size of local payments, as a rule, is lower than the federal capital and ranges from 50 to 150 thousand rubles.
2. Federal maternity capital is issued once, after the birth of the second child, RMC can be issued for each subsequent child, if such conditions are in the program.
3. The methods of using federal maternity capital are strictly defined by law. For example, you won’t be able to buy a car with this money. But the scope of application of the RMC has been significantly expanded. For example, in the Kaliningrad region and a number of other regions, these funds can be used to purchase a car, furniture, and expensive household appliances. In the Novosibirsk region, money can be spent on purchasing agricultural equipment, treating disabled children, or renovating an apartment.
4. Terms of application. Federal benefits are allowed to be used only after 3 years after the birth of a child, unless this money is spent on preschool education. For regional programs, such restrictions are either not provided, or they differ in terms.
5. Availability of alternative options. In some areas, families may choose alternative ways to use benefits. Thus, in Kamchatka, local authorities offer to “close” a mortgage loan, if there is one, at the birth of a child, provided that 10% has already been paid and there are no arrears on the loan.

As for the fundamental difference between the two types of capital, it is as follows: money for RCC is allocated from the regional, regional or city budget, and not from the federal budget, as is the case with ordinary maternal capital.

Regional programs became a kind of response to the president’s proposal to locally support the cause of federal assistance to families. State support, although it amounts to 466 thousand rubles , still does not cover the expenses of families with three or more children. An additional 50-150 thousand becomes a good help.

You need to apply for regional maternity capital funds not to the pension fund, as is the case with federal payments, but to the territorial bodies of the Ministry of Social Development - to the departments for payment of social benefits at your place of residence.

The table clearly shows the difference between types of assistance to families:

Purpose of maternity capital

At the beginning of 2007, Federal Law No. 256 came into force, which was based on the allocation of a fairly significant amount for the needs of families with children. Moreover, unlike one-time and monthly benefits, Maternal Capital funds could not be received in the form of cash. Thus, at the legislative level, it was decided to control the spending of funds only for their intended purpose, that is, for the needs of families and children.

Moreover, Article 7 of Federal Law No. 256 approved a list of areas that could be financed from maternity capital. As practice has shown, such a strict approach has borne fruit and this type of assistance has really helped many parents pay for their children’s education at universities or improve their living conditions.

But the amount of 466,617 rubles with such a short list of sales did not solve all the socially pressing issues. Therefore, over the next 15 years, some changes were made that allowed the capital to be used for other needs. In particular:

• since 2014, federal funds can be used for the mother’s funded pension;
• from 2020 it has become possible to purchase goods or pay for services for disabled children;
• from 2020, part of the capital can be realized in the form of a monthly benefit in the first three years of the child’s life.

• Maternity capital for the first child in 2020
• Maternity capital for a second child in 2020

Who is entitled to regional maternity capital?

The program began operating in 2011. Therefore, parents whose children were born no earlier than January 1, 2011 have rights to regional, gubernatorial or regional maternity capital. At the same time, everyone who meets the conditions for receiving assistance remains eligible for federal payments.

Who specifically has the right to apply for regional subsidies:

• women who gave birth or adopted a third child during the period specified by law;
• men are the only parents or adoptive parents of the child.

Parents have the right to receive a certificate immediately after the birth of a child, but the timing of its use is regulated by municipal or regional authorities.

For what reasons may they refuse to issue maternity capital:

1. Lack of rights to receive support - provisions of regional laws are considered.
2. Termination of financial assistance eligibility.
3. Providing false information, including information about the order of birth of children or the citizenship of the child.

In any case, the decision to issue RMCs is made locally by decision of local authorities.

How to properly issue a certificate: instructions

In general, the conditions for obtaining an RMK certificate are almost identical to those provided for by the federal program.

If you have a legal right to receive, there should not be any special problems with registration.

To register, you must contact the local branches of social protection authorities . It is not necessary to go there immediately after giving birth - there is no time limit.

In addition, a proxy may be present instead of the parent himself . Now let's look at the immediate procedure for obtaining a certificate.

What can you spend regional maternity capital on in 2020?

Unlike the federal program, the ways to manage financial assistance from regional authorities are more varied. Each region has its own ways of implementing family support, but in general, the options that we will consider below are used.

Improving living conditions

The main way to use funds. Of course, this amount is not enough to purchase a full-fledged home, but the money can become a starting point in buying a house or apartment. For example, they can be used as a down payment on a mortgage loan.

There are other ways to implement it:

1. Deposit this money directly when purchasing a house or apartment.
2. Spend on building a house yourself or pay for the services of contractors.
3. Spend on reconstruction or major repairs of housing.
4. Pay a fee when joining a housing cooperative.
5. Use the money to obtain a home loan.

Purchasing housing using municipal or regional funds has certain nuances. For example, in the secondary market, not every seller will agree to receive part of the amount in the form of a certificate. However, these problems can be successfully solved if you approach the matter thoroughly and prepare in advance for possible difficulties.

Reconstruction or construction of a private house also has its own characteristics. The best option is to participate in regional construction programs, which exist in many regions and territories.

Purchase of land

You can’t buy a plot of land with federal money, but it’s quite possible to do it with regional finances. True, not all subjects of the Russian Federation provide such a right. In some regions, you can spend money on purchasing a summer cottage with a house.

For the funded part of the pension

Not the most popular, but quite promising way of investing. Savings programs are often profitable - when the mother reaches retirement age, a significant amount can form in the account.

Treatment and purchase of goods/services for disabled children

The law provides for the use of federal funds exclusively for the rehabilitation of disabled children. Governor's benefits can be spent on other types of treatment, including the most modern methods of therapy in specialized medical institutions.

Again, specific program conditions vary by region. For example, in Komi, Rostov, Voronezh regions, Khakassia and other regions, spending money on treatment is allowed, but the law of the Belgorod region does not provide for such expenses.

It is interesting that in some regions, for example, in the Sakha Republic, a child is allowed to use regional funds for high-tech or sanatorium-resort treatment outside the region. And in the Komi Republic, parents have the right to annual subsidies in the amount of 25 thousand rubles , which can be spent not only on the sanatorium treatment itself, but also on travel to a medical facility.

Assistance will be provided if there are confirmed medical indications, that is, parents need to take care in advance of the availability of certificates and other supporting documents.

Buying a car

This option may not be available in all regions. In addition to a car, the region's money is allowed to purchase other vehicles - motor boats, snowmobiles or outboard motors.

The number of regions that allow the use of maternal capital for the purchase of a car is increasing every year. At the time of writing, there are 19 such regions. Among them are Leningrad, Novosibirsk, Rostov, Samara, Kaliningrad regions, Yakutia and other regions.

Payment for a child's education

Using regional family capital, you can pay for your studies at any educational institution, including preschool.

The following goals are envisaged:

• obtaining education in government institutions;
• studying at non-state universities that have accreditation;
• education in preschool institutions;
• related services - for example, accommodation in university dormitories.

Clubs, additional classes, sections can also be paid for using regional maternity capital. In this case, the money is transferred by bank transfer to the institution’s bank account.

For the purchase of household appliances and furniture

This method of using funds also does not work in all regions. Basically, families are allowed to purchase durable items - furniture, electronic equipment and other things. You will find specific lists in the legislative documents of your region.

Purchase of agricultural machinery and equipment

For some families living in rural areas or having subsidiary plots in the city, it is more profitable to spend government funds on agricultural equipment or machinery. A number of regions allow the purchase of animals for breeding or obtaining food supplies.

From what year is it issued?

In 2011, the President of our country Dmitry Anatolyevich Medvedev initiated regional and regional programs that provide significant financial support to young large families. The projects were supposed to work in parallel with the state maternity capital program, but the funds were to be allocated from local budgets and provided in a more targeted manner. The initiative of the country's leader was taken up by local legislators and maternity capital projects of regional, republican, and regional significance began to be developed everywhere, relying on the existing financial capabilities of the region and its historical individuality.

The Regional Maternity Capital program started at the end of 2011. Only families with 3 or more children (in some regions with two children) can receive a regional certificate. The subsidy is one-time in nature.

How and where to get a certificate for regional payments - step-by-step instructions

The issue of payment of family benefits in the regions is regulated by Federal Law No. 256. The main conditions for use include Russian citizenship and registration in the Russian Federation, the presence of at least three children in the family, and the birth of a third child during the program period.

Further steps are in our instructions.

Step 1. Collect the necessary documents

Without providing the necessary documents, you will not be able to receive financial assistance.

You will need:

1. Statement. The established form is available from a social security agency specialist or an MFC employee (depending on where you apply).
2. Applicant's passport.
3. SNILS.
4. Copies of each child's birth certificate.
5. Confirmation of citizenship.
6. Certificate of marriage or divorce - depending on marital status.
7. Certificate of family composition (at place of residence).
8. If the applicant is a single father, documents confirming his status are required.

Additional papers may also be required - for example, a certificate of family income for the last three months, information about property, medical certificates, etc.

To transfer funds allocated to the family for the necessary purposes, you will need a more extensive list of documents. You will have to confirm the intended use of funds.

Read the article on the topic: Presidential payments

Depending on the options for using maternal capital, social workers require: a purchase and sale agreement, a construction permit, confirmation of ownership of the residential premises (if money is spent on its renovation), loan agreements and other papers.

We recommend providing documents in the form of copies.

Step 2. Submit documents to local social security authorities

There are two options for submitting documents:

• directly to the regional or city social protection authority;
• in the MFC - if the center has an agreement with the structure mentioned above.

Documents can be submitted remotely through the Unified State Services Portal. If the application was submitted electronically, ensure that you receive a notification confirming that your application has been accepted.

Step 3. Wait for the decision and receive a certificate

The decision is made by the responsible persons within 30 days from the date of registration of the application. The applicant is then notified of the decision within 10 days.

In case of refusal, be sure to indicate the reason. If you are refused, but you consider such a decision to be unfair, you have every right to challenge the refusal.

What is it like?

Each subject of the Russian Federation has its own rules for the assignment and payment of family capital.
They have their own regional, regional, and republican laws. Therefore, there is no exact concept of RMC. However, in general terms, local capital can be defined as means of material assistance on the occasion of the birth of a third or subsequent child. Assistance is provided one-time for the entire family (except for the Kaliningrad, Kirov, Ulyanovsk, Yaroslavl regions, etc., where payments are reusable depending on the number of children born) and are used for strictly defined purposes. Receiving financial assistance involves several stages: obtaining a certificate and its implementation.

RMC is widespread in most regions.

Exceptions are isolated subjects: Dagestan, Ingushetia, Crimea, Penza region, Stavropol Territory, Chechnya. There, RSMK is not provided for by local laws.

How to receive a lump sum payment from maternity capital

Situations in a family, especially in a large family, are different. Sometimes money is needed urgently - and not for education or repairs, but for needs not covered by the program. In a number of regions, in such cases, they accommodate parents halfway and pay one-time cash benefits.

For example, in the Nizhny Novgorod region, 10,000 in cash can be received from RMK funds without any certificates, simply upon an application submitted to social security.

In addition, do not forget that monthly payments for a second child can be arranged within the framework of federal maternity capital. Such assistance is provided for people whose income does not exceed the subsistence level established in the region.

Where to get it

Various organizations are involved in the registration and issuance of regional subsidies to MK in different regions of Russia. Among others, we can highlight:

• social protection authorities at the place of residence (Rostov-on-Don, Sakhalin, Mari El Republic, Altai Territory and other cities);
• Ministry of Health and Social Development and its territorial bodies (Kalmykia);
• Ministry of Education of the region (Republic of Tatarstan);
• Pension fund at the place of registration/residence (Udmurtia, Kirov region, Adygea).

The recipient of the MC or a person with a power of attorney must write a statement in the established form and submit it to the relevant authorities for consideration. One month is allotted to make a decision on issuing a certificate, after which the applicant is informed within five days of the accepted conclusion. You can receive the document in person or by mail.

Answers to frequently asked questions

And now the answers to the most common questions about RMK.

How many times can I receive regional maternity capital?

It all depends on the region. In some regions and republics they pay for the third, and the fourth, and for all subsequent children. In other regions, regional payments are due after the birth of the first child.

How to pay off a mortgage with regional maternity capital?

The local social security authorities are provided with: a mortgage agreement issued in the name of the applicant (or spouse), documents of ownership of the housing (if it has already been put into operation), data of the organization that issued the loan. If the object has not yet been built, a share participation agreement will be required.

Municipal or regional authorities consider the application, if they make a positive decision, they transfer funds to repay the loan to the bank that issued the mortgage.

Regional maternal family capital in the amount of 100 thousand rubles

Regional MK on average across the country is 100.0 thousand rubles (Rostov-on-Don, Kirov region and others). For example, in the Republic of Khakassia, the amount of the subsidy depends on the size of the family’s locality and ranges from 100.0 to 200.0 rubles. But in any case, capital is received in non-cash form and only in accordance with concluded agreements between the certificate holder and another person.

Local legislative authorities allow the use of maternity capital in parts and for various needs of large families.

Who is eligible to receive funds

It should immediately be noted that each region has its own conditions for issuing a certificate. What everyone has in common is the need to have their own or adopted children. True, their number must be at least three, in contrast to the conditions of the federal program. Persons living in a given region and having three or more children can apply for capital.

Funds are allocated to the following persons:

• mothers of the third and subsequent children;
• fathers, in the case when the mother died, was declared incompetent, disappeared or was deprived of parental rights;
• adoptive parents of the third and subsequent children.

These persons must be citizens of Russia and residents of the region in which they are applying for assistance. Regional authorities may establish additional requirements for applicants to receive regional capital.

Therefore, before starting the paperwork process to receive these funds, you should check with local authorities whether you are entitled to them.

Maternal regional capital for the 3rd child

Regional programs to support large families involve payments of maternity capital for the third child, subject to certain conditions. These basic requirements include:

• permanent residence of one of the parents in the region for a certain period of time (from one year);
• presence of Russian citizenship among parents and children;
• the birth/adoption of a child should not be earlier than 01/01/2012;

The amount of maternity capital varies depending on the region of residence of the family and ranges from 50,000 rubles to 430,000 rubles. Moreover, MK is subject to indexation in accordance with inflation.