How can you use maternal capital, many mothers think. Maternity capital is the financial support of families in which a second or subsequent child appears. A decision on payments to mothers was issued in 2006. Since 2007, they began issuing certificates for capital. The program is valid until January 31, 2015. Whether there will be a continuation of the “banquet" is unknown.
In order for a woman to exercise her right, she must submit an application to the Pension Fund, provide her mother’s passport and a copy, all children’s birth certificate, mother’s birth certificate, SNILS pension certificate (this document is drawn up at the Pension Fund), if necessary, provide a certificate from Registry office of the first marriage and a divorce certificate. That's it, the certificate has been received, now we need to think about where you can spend maternity capital.
Maternity capital for twins in double size will not be paid. The certificate will receive only one of the kids. If since 2007 the family has already received capital, and later a third child was born, then he no longer falls under this program. This is a one-time help. You should not count on more.
There are families that have already been able to exercise the right to sell funds under the certificate. But many are still thinking about how to use maternity capital. The options were fixed by law back in 2006, since then there have been no changes. Moms can use this money to find a solution to their housing problem, leave all or part of the capital for the education of the child (it’s not so important which one can teach the elder with this money). This amount can be put on mom’s retirement account to form her pension (the most incredible choice for Russians). A small part in the amount of 12 thousand according to the certificates of 2008-2010 could be obtained in cash. Now this is not. Cashing out the entire amount is a crime for which you can get a large fine or even a real term of imprisonment, you should not risk it, starting up in different adventures. Caught - not much will seem.
The funny thing is that financial assistance looks rather big. In 2007, it amounted to 250 thousand, and in 2013 - already 430. But there is one small nuance. Money should not be touched for 3 years. And 250 thousand of the 2007 sample is very different from 250 thousand in 2010. Therefore, mothers still wonder how mother capital can be used to bring real benefits.
If this is a mortgage, then for many cities in Russia, 250-300 thousand do not even last a down payment. It’s just for a snack. Studying at a higher educational institution since 2010 costs at least 300 thousand, in addition, a student-payer needs to be fed and dressed, he must live somewhere. Again it turns out that only to support the pants. Well, talking about pension savings is generally ridiculous. Which Russians believe that he will retire and actually receive the funded part? At the moment, this is the same as the promise of the CPSU that each Soviet person will have his own apartment in 2000.
On the other hand, money is not superfluous. Even small ones. And how maternity capital can be used, it is possible and necessary to decide.