State support for families is far from the last thing. The cells of a society with children are laid on the so-called maternal capital. This is cash that can be spent on specific needs. Mostly for children. But is it possible to send maternity capital to buy a car? A law has been passed on these payments a long time ago, but the question raised is still open. It is difficult to judge the possibility of acquiring a car. What are the rules in this regard in Russia? What is maternity capital intended for?
Matcapital is ...
Before discussing what the payment is given for, one should understand what kind of material support they are talking about. Matcapital is a payment that is given to all families with children. But only when it comes to families with two or more minors.
This payment is a way of state support for couples who have begun a life together and are considering whether or not to have kids. A kind of incentive to increase demographics in the country. In Russia, when registering this state support, a woman is issued a certificate for maternity capital. It can be spent on certain family needs. What exactly?
Where to spend
The list of features in this area is constantly changing. In 2016, women can definitely send the money received to:
- the formation of his pension;
- child education;
- minor treatment;
- improvement of living conditions;
- purchase of necessary medicines and medical equipment;
- providing rehabilitation to the child.
You may notice that no personal expenses are provided here. Can I use maternity capital to buy a car in 2016? This question is controversial. There are several nuances that will have to be studied before giving an answer.
Payout amount
The question of where to receive the received state support in the form of maternity capital has been raised since the advent of this stimulus. It is always important to understand why certain means are issued. Maybe at the moment there is no point in getting money!
It is precisely because of all of the above possibilities that the question often arises of how much is maternal capital. For example, improving housing conditions and rehabilitation of a child, as a rule, require significant costs. Therefore, it is important to fully realize how much money is allocated in the form of incentives from the state.
The change in the amount of maternal capital occurs regularly. It should be noted right away - the number of children does not affect the payment. The state sets a fixed amount of material support annually. And the increase in payments occurs only due to indexation.
How much is maternity capital in 2016? The size remained exactly the same as in 2015, i.e. 453,026 rubles. This payment is due only once in a lifetime. Such rules are established in Russia. The family can get mothercapital when the second child appears, but then after the birth of the third baby, such state support will no longer be. A certificate of maternity capital can be obtained only once. When exactly to receive money? Parents decide this moment!
Different types of payments
But this is not all the possibilities of state stimulation of the cells of society with minors. The thing is that in Russia there are only a few options for mothercapital. What is it about? Now there are the following payments:
The first type - this is the true maternal capital, which in its sum exceeds 400 thousand rubles. It is received by all citizens who have given birth to 2 children or more. But this is a one-time payment. Will it be possible to spend this maternity capital on buying a car? The law on this state support was adopted a long time ago, it is valid until 2018. But the question of spending remains open to this day. Where specifically maternal capital can be spent is already clear.
But there is a second type of government incentive. It is not available in all regions of the country. We are talking about regional payments. Why are they so interested in the population?
Regional capital
Earlier it was said about federal maternity capital. This is a popular and very useful payment, which is mainly spent either on mother’s pension, or on improving housing conditions and educating a child. But in some subjects there is such a thing as a regional capital. What it is? What is he so interested in?
The thing is that this type of state financial support is somewhat non-standard. Moreover, in all plans - both in size and in application. Can I send maternity capital to buy a car? The law was adopted on regional payments in 2008. From that moment, many began to think about the question posed.
And it’s not just that. After all, the amount of regional support for families with children averages 100,000 rubles. For unpretentious this money will be enough to buy a car. With your own vehicle with children, life becomes much easier. We can say that often it is the upcoming replenishment of the family that becomes the impetus for driving instruction in some families.
Regional materiel is just a certain amount of money that is given to all parents for each baby. And there are no special restrictions on spending here. We can say that this kind of payment is money for current needs. Mostly a child. But there are no clear restrictions and instructions on how to spend regional state support (by analogy with federal payments).
Depending on the type of support
So is it really possible to use maternity capital to buy a car? The law was adopted on regional payments in 2008. In some regions of the country it has been implemented with great success. It is already clear what needs federal and regional payments can be spent on. Only many do not understand what to do with the purchase of a vehicle.
From all of the above, one simple conclusion can be drawn: in no case can the federal materiel be spent on a car. This deal is illegal. The government of the country has many times discussed the expansion of the rights to use this type of assistance to purchase a car. But in 2016, such changes in the legislative system did not occur.
But regional financial support can be spent on a car. True, in some constituent entities of the Russian Federation restrictions are still in effect on this score. In just a few regions across Russia, the opportunity to purchase a new family car through regional payments was successfully introduced. It:
- Kaliningrad region.
- Kamchatka Krai.
- Novosibirsk
- Ulyanovsk.
- Oryol Region.
In the aforementioned areas, payment by the parent capital of a transaction for the purchase of motor vehicles is best implemented. It is enough to receive a regional payment. And then follow some restrictions on the purchase of the machine.
Limitations and Rules
What should be paid attention to families who are willing to spend the received maternal capital on a car? Unfortunately, not all vehicles can be purchased using these funds. There are certain rules in Russia. And their non-compliance will entail the invalidity of the transaction.
The thing is that you can spend maternity capital on buying a car. But at the same time you need to draw up documents in the name of the mother of the child. After all, it is the mother who receives material support from the state. And she has the right to use the money.
This is far from the only rule. It is mandatory to buy cars of domestic production. No foreign cars. The introduction of a ban on the resale of the acquired vehicle is also under consideration.
In general, the situation with cars and maternal capital is mixed. A bill allowing everyone to spend money specifically on transportation for the family has not yet been adopted. Only at the regional level. Why? Due to a number of shortcomings and shortcomings, which so far cannot be eliminated or taken into account in any way. What is it about?
Cons of the system
Spending family money is a deliberate decision. If we are talking about government payments, then for certain transactions the interests of all family members should be taken into account. The bill authorizing the spending of capital (federal) on transport has one significant drawback. It is that in such a case, neglect of the opinions and views of the children or spouse is not ruled out. For example, the father believes that the car is needed, and the rest of the family is against it. How to resolve such disputes? No answer.
It is not possible to cash out maternity capital for the purchase of a car for another reason. This payment was originally designed to improve the lives of minors. But to control the benefits brought by the vehicle is very problematic. It is not clear how to do this.
The cost of cars is not limited. It is possible that upon purchase you will have to pay the missing amount from your own funds. This is another drawback of the transaction in question.
Abuse of rights
So far, only one thing can be said: in the near future, it will definitely be impossible to spend the capital issued to the mother on the purchase of a car. And this is even without taking into account the previously listed disadvantages. So why the federal payment on the car can not be spent?
All this is due to the fact that the funds issued to parents are intended for children. And it is to minors that they should be beneficial. But not to parents. A car is a vehicle that is intended exclusively for senior family members, for their personal convenience. So, without introducing the possibility of spending the capital on cars, the state simply controls the abuse of the issued funds. It is unacceptable that the money that is given out for children be spent on something else!
How to get federal mother capital
Documents for maternity capital (federal) are not so difficult to collect. As well as getting this cash support. Parents must collect a small package of documents that will give them the right to purchase the appropriate certificate. Need to take (with copies):
- applicant's passport (better than both parents);
- birth certificates of all children;
- adoption documents (if any);
- application for payment;
- SNILS (parent and child in whose name the payment is made);
- certificate of marriage (if any).
These are all documents on maternity capital that will be requested from the recipient. After considering the application (it takes 30 days), the parents are issued a certificate. The above package of documents is suitable for both regional and federal payments.
Where to go
And where to go to get this or that monetary support? This question interests many. It is impossible to answer unequivocally. The above documents can be contacted at:
- Russian Pension Fund.
- City Administration.
In the first case, the application is given by the parents - they receive maternity capital of a federal scale. The city administration should come with documents when it comes to regional payments.
Opinions of parents
It turns out that it will not work to spend maternity capital on a car. Parents' opinions on this matter are shared. Many believe that such a restriction of rights is illegal. And that parents themselves have the right to choose what they need by the time the child appears.
Some, on the contrary, are satisfied with the ban on the purchase of vehicles due to this kind of assistance. After all, as already mentioned, the benefits of a family car for children remain in question. Often, the greatest benefit from personal transportation is offered to parents, but not to minors. Now it’s clear that you cannot spend all the maternal capital on buying a car. The law was passed on introducing material support to families with children for a long time. It states that this payment is intended only for children's needs.