At all times, the state fought for the improvement of the demographic status of their society.The birth of a new citizen - a guarantee of prolonging life of the nation.
If in the last century, more than fifty percent of Russian households had more than one child, now couples tend to stop extension of the kind one only son, or daughter.This happens mainly because the level of life of the modern citizen of the Russian Federation is poor.
One of the forms of state financial support for all families in which the birth of the second, third and the next child is a mother's capital.The main purpose of the introduction of this measure - encouraging families to have children, and, consequently, to an increase in demographics.Maternal capital as a form of state.Support introduced from January 1, 2007.Get
material resources of this nature from the state arms illegally cashing parent capital can not be the law.
purposes for which you could spend this amount, the following:
- repayment mortgage.
- repair of an apartment house in which it is planned to increase living space.
- Construction of new private homes.
- joint construction.
- Education child.
- maintenance of the child in the state pre-school educational institution.
- Provisions for future pension the child's mother.
Unfortunately, the system of support for families of this kind is far from perfect.Many disadvantaged families are considering the child's birth as a means of obtaining money.After trying all means to make cashing maternal capital to spend money on their own needs, without taking into account the interests of the child.Schemes of misconduct very diverse.Here is one of them.
illegal cashing maternity capital through the bank:
- Make a bank loan for the purchase of a share of property.The share must necessarily belong to a relative of the mother / father.
- Contents sales contract, the right to receive the property.
- Divide share newfound real estate between children and parents.
- a month funds transferred to the account of the bank.
agree that, for example, whether the harm to the grandmother did not give the amount for the purchase of her own children room.And further their cause, what to buy: a new car or a ticket to the sea.By the way, the share of the division of property does not take place immediately, but at the time of the above procedure, the mother of a notarial liability.And there is still such a body which would monitor the implementation of this commitment in the future.This is one of the illegal activities of algorithms, resulting in a happening cashing maternity capital.
use this sum for education, retirement or construction goal of the law is possible only after three years since the introduction of the baby.The sole purpose of which gives the right to use the certificate before this term, it repayment mortgage.It is logical that the "gray" scheme, allowing to make cashing maternity capital, mortgage.There are some private banks that provide mortgages under the maternity capital.
Every year the state is trying to improve the program and close the loopholes of this kind.
And at the moment it is hoped the consciousness of the parents who need to understand that the parent capital, which takes place cashing illegally, according to the State violated, above all, the interests of the children.
