Initially, such state supportwas conceived as a way to increase the birth rate in Russia and carried the targeted nature of use. In other words, the regional maternity capital was provided not so much for the child as it should become financial assistance for the family. At the moment, it has an investment meaning and is a "long" money, which improves the financial climate of the country.
The right to regional maternity capitalreceived mothers who had replenished their families with a second and more child since the beginning of 2007. The duration of the program is calculated until 2016, and already there is a debate on the sidelines of the authorities about the possibility of replacing it with something like that. But if you allow the use of MSK not as an investment way 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 give guarantees that this money will not simply be thrown away by negligent parents.
Since 2007, payments have been madethe size of which is subject to annual indexing. And today it is 408 thousand rubles. To confirm the right to dispose of this amount, a state document, the so-called certificate, is issued. However, such money can not be spent on everything. About maternity capital there is enough information, but I want to note once again - he does not give cash in cash. What is allowed for its use?
Improving the quality of housing conditions
- purchase or construction of housing;
- reconstruction of the house where the family currently lives;
- making an initial mortgage payment;
- repayment of a mortgage loan.
Education of a child
- payment for the services provided by the educational institution;
- payment for accommodation in the student hostel;
- payment for the services of a childcare institution used.
At the request of the woman who received the certificate, hiscan be used as a funded pension insurance program. In this case, you will need to write an application to the territorial body of the RF PF at the place of registration. Further, according to the application to the Pension Fund, the amount from the federal budget account is transferred.
Regional maternity capital is subordinatea certain rule that allows 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 repayment of a part of the debt for mortgage lending.
Regional maternity capital is not allowed to be used as a deposit account in a bank, as well as to pay off current debts on a loan or as a payment for utility bills.
