“What a pity that they do not give maternity capital for the first child,” sigh the young mothers. And indeed, as a rule, it is the young families in which the spouses have just signed and brought the baby in need of better housing conditions and material support. The existing reality is that a husband and wife can accumulate on their living space independently, without the support of their parents, by the age of 40. Moreover, the appearance of a baby significantly undermines the family budget (instead of two salaries for two, one remains for three), and the family will no longer be able to pay contributions on the mortgage.
Therefore, couples either pull to the last with the birth of a child, trying to build up the material base, or give birth to one and wander around rented apartments for 15-20 years. Naturally, in such a situation, maternity capital for the first child would significantly improve the situation, since many young families immediately after the appearance of the baby would have the opportunity to purchase or expand their living space.
At the moment, the only help at birth that mothers planning on maternity leave can count on is:
- Compensation for early registration in the antenatal clinic. This federal payment is only 400 rubles. It can be obtained by working women at the place of work if they are registered before 12 weeks. The purpose of this compensation is to attract women to antenatal clinics in the early stages to identify possible fetal abnormalities and, if necessary, timely support the expectant mother with medication if her pregnancy is complicated.
- The largest lump sum that a pregnant woman receives is maternity allowance. Of course, the amount does not compare with maternal capital, but if the future mother works officially, earns well, then the amount can come out quite decent. The maximum it can be about 168 thousand rubles. In fact, these are vacation pay that a woman receives for 140 days of maternity leave. And it is calculated individually - the average daily official income is multiplied by the number of days of rest.
- The allowance for the care of a child up to one and a half years. It is paid from the official part of wages and amounts to 40% of monthly earnings.
- Compensation payment from 1.5 to three years in the amount of 50 rubles per month to certain categories.
As you can see, maternal capital for the first child would not be out of place as a material support to the family. However, it is issued only for the second child, and can be spent on certain purposes: improving the living conditions of the family, on educating the child, including a paid private school, to replenish the mother’s retirement account, and you can use it only three years after the birth of the second baby. The reasons are obvious: mothers who lead an asocial lifestyle, not understanding the legal nuances, often give birth to the next baby in order to get a large amount of money.
The exception is mortgages. If a family has a “multi-year” loan for housing, maternity capital can be used immediately to close all or part of the debt.
Do they give maternity capital for the first child? Do not give, and will not give in the near future. But now, a law is being developed that allows women to retain the right to receive childcare benefits for children up to three years old, regardless of the number of children. True, to date, the source of payments has not been determined, and in addition, they plan to introduce this benefit in different areas at different times. For example, in the Sverdlovsk region the law should come into force on 01/01/2013, and in the Lipetsk and Orenburg region on 01/01/2014.
In many areas, as a support to large families, they pay a lump sum at the birth of a third child (depending on the specific region, 50-100 thousand), which can be spent on current needs.