Initially, this government support was conceived as a way to increase the birth rate in Russia and carried a targeted use.In other words, a regional maternity capital was provided not only for the child, how much it was to be a financial help for families.At the moment he has a sense of the investment and is a "long" money, which improve the financial environment of the country.The acquisition of mortgage housing construction industry supports the economy, tuition child - education, certificate attachment to the pension fund provides support for social and pension insurance.
right to the regional maternity capital got a mother, who took the second replenishment of the family and a child from the beginning of 2007.The duration of the program will last until 2016, and now there is a debate on the sidelines of the authorities about the possibility of replacing it with something similar.But if you do not allow the use of MSCs as an investment method of investing money, and everyday needs, in this case, better to use a mechanism for payments and subsidies.After all, no one can guarantee that this money will simply not be wasted by careless parents.
Maternal capital.Conditions for obtaining
Since 2007, made payments to the parent capital, the amount of which is subject to annual indexing.And today it is 408 thousand. Rub.In order to confirm the right to dispose of the sum, it issued a document of the state sample, the so-called certificate.However, these funds can be spent not on all.About maternity capital there is enough information, but I want to note once again - cash on hand, he shall not be issued.What is allowed to use it?
Improving the quality of housing conditions
- the purchase or construction of housing;
- reconstruction of the house, where the family currently lives;
- making an initial contribution of mortgage lending;
- repayment of a mortgage loan.
Education child
- Service payment institution;
- payment for accommodation in the dormitory;
- payment for the services used by institutions.
Pension Savings System
At the request of the woman to be certified, it can be used as a funded pension insurance program.In this case, you need to write an application to the territorial body of the RF Pension Fund of the place of registration.Further, according to the application to the pension fund, the amount transferred from the account of the federal budget.
regional maternity capital is subject to a specific rule that allows the use of the certificate only after the child reaches the age of three.The exception is the payment for the acquisition of property, reconstruction of a residential facility, as well as the repayment of the debt on mortgage lending.
regional maternity capital is not allowed to be used as a deposit in the bank, as well as to repay the current debt on the loan or as payment of utility bills.
