Is it realistic to get a third and a half million for a third child? This issue among Russian mothers in recent months has gained extraordinary popularity. Today we will discuss how true this rumor is about such a very, very substantial cash allowance for those mothers who already have two children and are planning to have a third.
The problem of state support for large families is one of the most urgent in our country. It was assumed that the previously adopted program, called "Maternity Capital", at the end of 2016 will lose its own strength. Against this background, the question of how to get one and a half million for a third child sounds even more topical.
About the program "Maternity Capital"
Over the years of its operation (and it was adopted back in 2007, and it was supposed to be completed in 2015), this program has gained wide popularity. The number of mothers who were able to use the right to receive a certificate for a lump-sum allowance in case of the birth of a second (third and further) child in the family (as well as adoption) exceeded 6 million.
Agree, this very decent amount is a serious help for the mother of two children. The amount of capital since 2015 amounted to 453,000 rubles.
Those readers who are interested in this issue are undoubtedly aware that receiving maternity capital in cash is not provided (we are now talking only about legal schemes for cashing it out). But what can this amount be spent on?
- With this money, the family is allowed to improve their own housing conditions. That is, to purchase an apartment or house with a larger area is more convenient and comfortable, as well as to pay (partially or completely) a mortgage loan.
- You can pay for the education of the child (children) in a paid educational institution.
- This amount can go as a funded part of the maternal pension.
One and a half million for a third child: is the law passed or not?
It was assumed that the current program will end at the end of 2016. Already in 2015, a bill arose regarding the payment of the so-called updated maternity capital. Its amount was to be one and a half million for the third child, that is, it was due for the birth of not the second, but namely the third baby in the family.
The first reading of the corresponding bill of the Federal Law No. 571638-6 took place in April 2015 at a meeting of the State Duma of the Russian Federation. It was about more than threefold increase in the amount of maternal capital. Now it was supposed to pay for the birth of a third child a half million rubles. In case of approval and approval, the law was going to be adopted for a period of 10 years - from 01/01/2017 to 12/31/2026.
What are the main differences between the new law and the current one?
- As already mentioned, maternal capital was supposed to be increased three times - up to one and a half million rubles.
- It will not be necessary to give him away already for the second, but only for the third, as well as subsequent babies, regardless of whether the child was born in this family or was adopted by her.
Here are some interesting facts about the above “new” maternity capital bill:
- The stage of his preliminary preparation was quite long. A bill was introduced to the State Duma of the Russian Federation back in 2014 (in June) at the initiative of deputies from Belgorod. But they examined it, as was already said, only in 2015 (in April).
- Actively supported the bill, considering this idea correct and appropriate, the head of the State Duma Committee on Women, Family and Children Elena Mizulina. She actively studied the draft law with the preparation in March 2015 of a full package of documents allowing to consider it in the first reading. But the committee considered this bill impassable.
What is his fate?
What can now be answered the question of whether they will pay one and a half million for a third child in 2018 or later? Alas! In the first reading, the State Duma decided to reject the bill, arguing that it was not a poor quality or lack of thought, but a contradictory or disadvantageous position for those who were entitled to maternity capital before the end of 2016.
One of the main reasons was called injustice in relation to those mothers with many children who gave birth or adopted a third baby before 12/31/16. They owed "only" 453,000 rubles. At the same time, the mother who gave birth to a child (or adopted him) after the indicated date - 1.01.17, - could apply for an amount 3 times as large - one and a half million.
Another counterargument put forward by the deputies concerned the lack of annual indexation of this amount (one and a half million for a third child), which was not provided for throughout the duration of the law.
It was understood that over the course of a 10-year period, the above amount of mother capital would remain unchanged. At the same time, actual inflation rates were not taken into account, which would definitely lead to the depreciation of this considerable help. Possible consequences were the increased likelihood of birth or adoption of large children of the third (and later) child in 2017, which is fraught with an unplanned boom of childbearing.
The text of the project did not stipulate the question of whether the mother who already managed to get mothercapital for the second baby will enjoy the right to receive the cherished one and a half million for her third child.
According to the bill, women were primarily ordered to spend money on improving their own living conditions. That is, the choice by the recipient of the options for disposing of funds was significantly narrowed and was actually reduced only to payment with the help of a certificate of expenses for the purchase of a house or apartment.
Everyone behind the scenes understood that a threefold increase in the amount of maternal capital is fraught with a huge overspending of the federal budget. According to preliminary estimates, the payment of amounts of one and a half million for a third child in 2018 and later will lead to expenses that are approximately twice as much as the current ones - estimated for the current program. In addition, we should not forget that a part of those certificates that were issued during the period of the current program in 2007-2016 has not yet been submitted for payment.
About the extension of the current program
The final decision on the issue of payment of the amount of one and a half million for the third child in Russia was made by Russian President Vladimir V. Putin. At the end of 2015, he announced the decision according to which the Maternity Capital program, which has been operating, as already mentioned, since 2007, should be extended for at least 2 years. That is, its working period did not end on 12/31/16, but was prolonged until 12/31/18. This decision was reflected in the corresponding law number 433- signed on December 30, 2015.
What other interesting facts about maternity capital should you know?
- His extradition is provided only once - after the birth of either the second or any subsequent child. The use of maternity capital is permitted only for the specified purposes mentioned above.
- Thanks to annual indexation, the amount of seed capital increased from the size of 250,000 rubles. (adopted in 2007, when this program was just launched) up to the current 453,000 rubles.
- This amount was indexed almost annually. For the first time, such indexation did not happen in 2016. Due to the complexity of the economic situation in the country, its size did not increase this year.
- The indicated limit date - 12/31/18 - refers only to the time a child appears in the family, but does not apply to the period when it will be possible to spend capital. This is possible after 2018.
What is the result?
Well, mothers with many children can say the following: even until the end of 2018 you will not have to receive such a large allowance - one and a half million for the birth of a third child - but with a guarantee you will receive a certificate in the amount of a very decent character for the entire duration of the extended program (until 2018 inclusive).
In November 2017, a number of changes (quite substantial) were made to the Maternity Capital program, which affected the size of the payment and its extension for subsequent years.
How much do they pay for a third child now?
Let's talk about innovations in this area. According to the latest data, the program was extended until the end of 2021. In addition to this good news (the main one for all young mothers planning the birth of a second or third child), there are other pleasant moments. One of them is the increased size of the allowance for the first-born until he is one and a half years old.
The amount of benefits will vary by constituent entities of the Russian Federation. But on average, this amount will be about 10.5 thousand rubles. In addition, it is subject to indexation. To implement this program, the state allocated about 145 billion rubles.
Starting this year (2018), the state has been supporting families with 2 children or more with mortgage housing. Mortgage interest above the rate of 6% for a young family will be paid by the state.
Thus, young families can take advantage of very advantageous mortgages at rates, for example, 11% or 9%. It should be noted that the mortgage lending program will be urgent. It will provide for subsidized rates for three years after the birth of the second child, and after the birth of the third child - for five years from the date of loan. The program also concerns refinancing of already received mortgage loans.
Program Extension Features
The annual indexation of the capital is no longer provided.
These funds can now be used for the needs of the baby, starting with his two-month age. This applies to care and supervision, as well as preschool education.
The above allowance for first-born children up to one and a half years of age will not be paid to all, but only to those families whose incomes for each member are no more than one and a half living wages.
Additional good news is that it is now possible to obtain capital in the form of cash (with a number of restrictions). By submitting documents on the need for additional money, the young family gets the opportunity to spend their own maternity capital in cash, but not more than one cost of living per month. As everyone knows, there was no provision for cash payout of the capital.
The number of cities and regions participating in the program has significantly expanded. Now it is accepted in 60 regions of our country. The conditions and requirements for granting benefits for a third child are established in each region of the Russian Federation independently. With a small family income (as a rule, an average of 15,000 rubles per member) with the birth of a third baby, you will be paid benefits upon reaching them 3 years old.
How much do they pay for a third child? The amount of benefits is also set separately in each area. But on average, it corresponds to the sum of living wages for children.
Additional benefits for a third child
A large family in which three or more children enjoy good benefits from the state. They consist in the possibility of obtaining a mortgage of real estate (apartment) without an initial contribution for up to 30 years. In addition, the state, on free terms, provides land for use throughout life - to establish a garden or vegetable garden.
One of the most important advantages is the ability to pay only half the cost of utilities. Another important benefit for such families is the priority in line for a place in kindergarten. Another is the free prescription medication for children under 6 years old. In addition, the right to receive free trips to sanatoriums and health camps, as well as compensation for half the cost of higher education received on a contractual (paid) basis.