The terms of using the MC depend on the purpose. If you plan to spend the funds on improving housing conditions, the child must be 3 years old. But in the case of a mortgage, all restrictions are removed - state funds can be invested immediately after receiving the certificate.
Amount of maternity capital in 2023
In 2023, the MK size was indexed by the official inflation rate for the previous year. It was 11.9%. The MK size for 2023:
586,946 ₽ for the first child;
775,628 ₽ for the second and subsequent children, if the family has not previously received payments under the state program;
RUB 188,681 for the second child, if the family received belgium mobile database state support for the first.
The state support program has been in effect since 2007. If the first child (or children) was born before 2007, an increased payment is due for the second (or subsequent) child born later. In other cases, an additional payment of 188,681 rubles is made for the second child.
What kind of housing can be purchased with maternity capital
There are three restrictions within the program:
the apartment or house must be located on the territory of the Russian Federation;
the housing must be suitable for living, that is, be in a non-emergency condition;
The seller cannot be the borrower's closest relative. This restriction protects against attempts to withdraw maternity capital into cash and use it for other purposes.
When applying for a mortgage loan, you should also find out about the restrictions that banks impose. For example, in many financial institutions it is impossible to buy an apartment in a house with wooden floors with a mortgage.
Not all banks participate in the state program. The current list of partners can be found on the SFR website or by calling the specific bank where you want to get a mortgage loan.