What can Penza residents spend on the maternity capital for the second child?

The birth of a second child is not only joy, but also significantly increased costs. Maternity capital is called upon to help the family. We will figure out how much is required for the second child in 2026, how to issue a certificate and what is allowed to direct money.

Since February 1, 2026, matcapital has been indexed by 5.6%. The specific amount depends on when the children were born and whether the family was entitled to payment earlier. If the first child appeared before 2020, and the second in 2020 or later, and the right to matkapital did not arise before, 963 243.17 rubles were put for the second child. If the second child was born from 2007 to 2019 inclusive, the total size of the maternity capital in 2026 is 728,921.90 rubles. When part of the funds has already been used, only the remainder is indexed. If the family received maternity capital for the first child born or adopted from January 1, 2020, then the second capital increases by another 234,321.27 rubles. The total amount of support for two children is 963 243.17 rubles.

The main recipient of maternity capital is the mother, but the law provides for other situations. The right to a certificate is for women who have given birth or adopted a second, third or subsequent child since January 1, 2007. The age of the eldest child does not play a role - even if he is already an adult, the right remains. From January 1, 2024, new conditions for citizenship apply: the mother must be a citizen of Russia at the time of the birth of the child, and the child himself must receive Russian citizenship by birth. For some families from the DPR, LPR, Zaporozhye and Kherson regions there are separate rules. The father may be eligible for maternity capital if he is the sole adopter of the child or if the mother’s right has ceased – for example, because of her death or deprivation of parental rights. In some cases, the right arises from a father raising children after the death of a mother who did not have Russian citizenship. If both the mother and the father have lost the right, it passes to minor children in equal shares. Children under 23 years of age retain this right if they study full-time. Registration of custody in itself does not give the right to maternity capital.

Since April 2020, the certificate in most cases is issued without a statement. It works like this: the birth of a child is registered in the registry office, the information goes to the Social Fund of Russia, the SFR issues an electronic certificate, and the information appears in the owner’s personal account on Gosuslugi. The decision is made within five working days after receiving the necessary information. Upon adoption, the application will have to be submitted independently – data on adoption are not automatically transmitted to the SFR. If the certificate did not appear on the State Services, the probable reason is that the SFR does not have data on previous children. For example, the child was born abroad. In 2026, with automatic registration without information about older children, matcapital can first set at 728,921.90 rubles. To increase the amount to 963 243.17 rubles, you need to confirm the birth or adoption of all children. You can apply for the issuance or clarification of the certificate online through Public Services, personally in the MFC or in the client service of the Social Fund.

Simply transferring money to an account or spending it on anything will not work. Federal law defines several areas. Improving housing conditions – buying a home, building or reconstructing a house, and housing should be in Russia. Mortgage - matkapital can be immediately sent to the down payment or repayment of principal and interest, you do not need to wait for the three-year-old child. But for the purchase of housing without credit, construction or reconstruction funds are usually available only after the child, with the birth of which the right arose, is three years old. Education of children - you can pay for the study of any child in the family, not only the one after the birth of which the certificate appeared. At the time of the beginning of training, he must be no more than 25 years old. A university, college, driving school, as well as organizations or individual entrepreneurs with an educational license are suitable. You can pay for accommodation and utilities in the hostel. For most educational expenses, it is necessary to wait until the child is three years old, but preschool education and care can be paid earlier.

Monthly payment for a child under three years old is available to families whose per capita income does not exceed two regional subsistence minimums per capita. The amount of payment is equal to the subsistence minimum for children in the region. If there are several children under three years of age, the payment can be issued for each. Adaptation of children with disabilities – funds offset the costs of goods and services for social adaptation and integration. The purchase must be in accordance with the individual rehabilitation program. Goods and services that the state provides free of charge cannot be compensated. Cumulative pension of the certificate holder – money can be transferred to a management company or a non-state pension fund.

And one more point: if after using the certificate there are no more than 10,000 rubles left, the owner has the right to issue a lump sum payment and spend this money at his discretion. In 2026, matcapital was indexed from February 1 by 5.6%. The maximum amount for the second child, if the rights did not arise before, is 963 243.17 rubles. If the matcapital has already been received for the first child, with the appearance of the second capital increases by 234 321.27 rubles. In most cases, the certificate is issued automatically, you can check it on "Public Services". It is allowed to spend funds on housing, education of children, monthly payments, adaptation of children with disabilities and pension savings of the certificate holder. The balance up to 10 000 rubles can be received in a lump sum payment.