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The freezing of maternity capital indexation, which began in 2015, will continue until January 1, 2020. Until this time, the size and change in the part of the total amount of the certificate will not be reviewed.
The suspension of indexation of funds allocated for the payment of maternity capital is enshrined in federal law No. 444, signed by the President on December 19, 2016. The reason was the maximum reduction in the budget load due to this expense item for a period up to 2020.
Indexing since January 1, 2020
The amount of maternal capital will be indexed from 01.01.2020, said Maxim Topilin (Minister of Labor and Social Protection), speaking at SPIEF-2019.
Maternity capital will increase by 17,000 rubles and amount to almost 470,000 rubles.
The Minister assured that these are not empty words. Payments will increase by 4%, taking into account the estimated inflation rate. Moreover, all issues have already been agreed upon and funds for the implementation of the program have been allocated.
Maternal capital: what is the essence
Material assistance to families in which the second and subsequent children was born, taken into custody or adopted, since 2006, has been called maternal capital (MK). This type of benefit was intended to improve the demographic situation in Russia, and was conceived as an urgent 10-year project. But in the end, the program lasted for 12, and then more years. According to government estimates, it was not practical to terminate the procedure in 2016, and it should be prolonged. Up to the natural population growth due to the improvement of citizens' own well-being, without additional incentives from the state.
At the birth or adoption of a second or more children, the mother or the adoptive parent receives a certificate in the amount of 453 thousand Russian rubles (at the beginning of the program the amount was only 250 thousand, and from January 1, 2020 will amount to almost 470 thousand rubles).
Fluctuations in the exchange rate, inflation and gradual indexation have almost doubled its size since 2006, but since 2016, an annual veto has been imposed on the annual recount. The amount provided by the received certificate is blocked on the account in the Pension Fund, up to the decision of the parents on how and where to send the reserved funds. Those who still have not decided on the goals of investing maternal capital were a little luckier. Every year the list is expanding and supplemented by new features.
What to use
In the primary law on MK, the directions of its implementation were only three possibilities:
- in addition to the mother’s pension, upon reaching her retirement age;
- to educate the child himself or other children from this family;
- to convert, purchase or expand existing housing when applying for a mortgage.
During the implementation of the program, experts conducted an analysis on the use of funds reserved for MK on the accounts of the RF PF. The results showed that only 56% of Russians took advantage of the help opportunities. This became a prerequisite for the fact that in the period from 2016 to 2018 a large number of amendments were put forward and considered in relation to MK, many of which were rejected. But the list still expanded.Today, in addition to the three primary areas, the following are provided:
- To pay off a previously taken mortgage loan (analysis showed that this direction is most in demand among Russians, out of 56% - 92% spent MK funds for these purposes).
- On the socialization of a child with a disability.
- To educate children from the moment of birth, and not as it was earlier from three years. The restriction on the list of institutions has also been lifted, now all educational organizations licensed to provide educational services are included (until 2018 it was allowed to use MK only in accredited organizations).
- In addition to the allowance for caring for a child under the age of 1.5 years, provided that the amount attributable to each family member is less than one and a half times the subsistence level (for each federal district its own figures are provided).
What is already being implemented since 2018
The issue of accreditation of educational pre-school institutions was especially acute in large cities, where the line of state-owned institutions lasted for years. To get the baby into the “free” nursery still does not always work. Private institutions take children, but it was impossible to pay for their services from maternity capital until 2018. Plus, compulsory accreditation of a preschool institution and curriculum was required. To date, the garden is enough to have a license to provide educational services, and parents can use MK funds to pay.
Additional monthly funds for benefits up to one and a half years of age were also a measure of stimulating fertility. Low-income families have already taken advantage of them, too, where parents refused earlier to give birth to a second baby because of their spouse’s low income, while they were on mother’s decree.
On a note! According to many Russians, a serious drawback of this paragraph is the inclusion of only children born after 01/01/2018. Parents of babies born earlier will not be able to receive payments to pay for private kindergartens.
In relation to the goal of mortgage lending, there are also several nuances provided for by the new amendments. Parents are allowed to participate in shared construction and direct funds for the purchase of finished housing on credit, starting from the moment the second and subsequent children are born, without waiting for their three-year age.
And with independent construction of a house or its expansion, redevelopment, there are restrictions:
- the child should already be 3 years old;
- land for construction is privately owned by parents;
- remodeled or expandable housing refers to the capital building, with utilities, and it does not pose a threat to the lives of residents;
- we are talking about individual housing construction, without joint or shared participation.
Subject to all conditions and after the approval of the PF, the parents or the adoptive parent receive two 50% tranches:
- The first 50% is given for the purchase of materials for construction.
- After documenting the ongoing work, the PF initiates the transfer of the second tranche to complete the construction.
Preliminary deadline for the MK program
For several years, the government has put forward the issue of extending the maternity capital program, but the year 2021 is called the preliminary term for its completion. Therefore, the planned MK indexation of 4% forecast for 2020 will not last long. But the government also does not declare the exact termination of the program, and whether the program after 2021 is not known for certain.
The decision on indexation of certificates issued before 2020, announced by many media in the news, is not commented on by the government. Therefore, whether the amount of the certificate will change by 453,026 rubles of the Russian Federation issued, for example, in 2018, is not clear.The government will analyze the amount of funds that have not been wasted by that moment, reserved on the PF accounts, and will provide relevant information and a decision. At this time, the Ministry of Finance says about 44% of unspent certificates, how many of them will be at the end of 2019 is still unknown.
On a direct line, Vladimir Putin was asked whether the program of maternity capital would be extended, then he said that a draft law on prolongation until 2023 already existed, but such decisions should be taken in conjunction, taking into account the demographic and social situation in the country.
Latest news and possible changes
Deputy Head of the Ministry of Labor of the Russian Federation Alexei Sklyar said that in 2020 it is planned to enter the rights of citizens applying for maternity capital in a special register, excluding the receipt of a paper certificate.
In other words, the capital will be issued electronically. To receive a paper document, it will be enough to take an extract from the social protection authorities or the MFC.
And in the second quarter of 2020, residents of the country will be able to receive services completely remotely, and all the necessary documentation in electronic format.
Maternity capital indexation will resume from 2020: video
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