Initially, such state support was conceived as a way to increase the birth rate in Russia and carried a targeted use. In other words, regional maternity capital was provided not so much for the child as it was to become financial assistance for the family. At the moment, it has an investment sense and is the "long" money that improves the financial climate of the country.
The purchase of mortgage housing supports the construction sector of the economy, payment for child education - the field of education, the investment of a certificate in a
pension fund provides
support for social and pension insurance.
The right to regional maternity capital was granted to mothers who replenished their families with a second or more children since the beginning of 2007. The duration of the program is calculated until 2016, and debates are already being held on the sidelines of the authorities about the possibility of replacing it with something like that. But if you allow the use of MSCs not as an investment method of investing money, but for everyday needs, then in this case it is better to use a different mechanism of payments and subsidies. After all, no one will guarantee that this money simply will not be thrown to the wind by negligent parents.
Maternal capital. Terms of receipt
Since 2007, maternity capital is paid, the amount of which is subject to annual indexation. And today it is 408 thousand rubles. To confirm the right to dispose of this amount, a state-issued document is issued, the so-called certificate. However, such funds can not be spent on everything. There is enough information about maternal capital, but I want to note once again - it is not issued in cash. What is allowed to use it?
Improving the quality of housing
- 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.
Child education
- payment for the services provided by an educational institution;
- payment for accommodation in a student dormitory;
- payment for used services of a child care facility.
Pension funded system
At the request of the woman who received the certificate, it can be used as a funded pension insurance program . In this case, you will need to write a statement to the territorial body of the RF PF at the place of registration. Further, according to the application to the Pension Fund, the amount is transferred from the account of the federal budget.
Regional maternity capital is subject to a certain rule that permits the use of a certificate only after the child reaches the age of three. The exception is payments for the purchase of housing, the reconstruction of a residential facility, as well as the repayment of part of the debt on mortgage lending.
Regional maternal capital is not allowed to be used as a deposit in a bank, as well as to pay off current debt on a loan or as utility bills.