Buying a car with maternity capital in 2014/2015

As you know, in almost all the republics of the former USSR, after the collapse, a demographic crisis began - the birth rate decreased significantly, which led to a decrease in the population.

In the 90s, the state could not (or did not want to) help families with many children, and if it did, the amount of the allowance was extremely small.

To remedy the situation, in 2007 they began to pay maternity capital for the birth of children. This support is provided to those families in which a second and subsequent child is born. The amount is currently approx. 430 thousand rubles - money is not small for the majority of the population of the Russian Federation.

This policy is bearing fruit and many families decide to have more than one child. And in order for the population of the country to begin to increase, it is necessary that the average family has at least three children.

Many young parents are interested in the question - can maternity capital be used to buy a car?

The question is really correct, because for 430 thousand rubles you can buy a quite decent car to take children to school or to classes in sports clubs and so on.

The editors of the portal Vodi.su answers this question - no, maternity capital can only be used for certain purposes, which do not include the purchase of a vehicle.

To date, this money can only be used for such needs:

• improving living conditions - mortgage, buying a new apartment, repairing or reconstructing a house, building your own home;
• educational needs of children - payment for school, kindergarten, institute, hostel;
• investments in non-state pension funds to ensure a decent old age for the mother of children.

The decisions are generally correct, the car is not one of the essentials, without which it will be impossible to live, but living in emergency houses and working as a loader after grade 9 can negatively affect the future of the children themselves and the whole society as a whole.

However, many families may object:

“We have normal living conditions, there is enough income to educate children, but it would not hurt to have a car.”

Indeed, for many families from rural areas or for families with many children, owning a car is a solution to many problems:

• children can be quickly transported to schools or sections;
• parents themselves, having a car, will be able to earn more, they will not have to waste time on minibuses or trains;
• in case of any health problems, the child or his mother can be taken to the hospital in a matter of seconds.

All these arguments have already been voiced many times before parliamentarians, but so far no decision has been made.

What are the deputies' arguments?

• matkapital is an investment in the future or in real estate, and a car is just iron, which quickly depreciates;
• the car can be registered only for one person who has reached the age of 18, and children in the future will not receive any dividends from this;
• parents and their children have equal rights to an apartment, which cannot be said about a car;
• if the mother's capital is spent on education, then the child will be able to provide for himself and his family in the future, but the car may not survive until that time.

And another important factor that legislators pay attention to is that the purchase of a car can become one of the ways to cash out mother's capital, since the car can be rented out, and the funds received will be spent not on children or on improving living conditions, but on any other purpose.

It is difficult to disagree with the legislators on this issue. Knowing the psychology of many Russians, one should expect that money will simply be eaten up and, even worse, drunk away, and children, as they lived in bad conditions, will continue to live in them.

In a word, we come to a simple conclusion - the decision on how funds will be spent should be made taking into account many factors, the main of which is the well-being of the family. Many public figures are inclined to the idea of ​​creating committees that would control the situation on the ground and make decisions based on the needs of a particular family.

Federal and regional maternity capital

Along with the federal capital capital in Russia, large families are also paid regional capital. The amount depends on the specific region and on average ranges from 50 to 200 thousand rubles.. These funds are usually credited to the third child in the family.

The regional legislation of some regions - Tula, Kaliningrad, Kamchatka, Novosibirsk, Yakutia, etc. - provides for the possibility of spending these funds on buying a car.

Of course, you can’t buy a good car for 50-200 thousand, but for large families this is an opportunity to get a significant discount.

To use this money, you need to present the following documents:

• passport;
• certificate;
• application;
• documents for the purchase of a car.

We at Vodi.su did not come across the purchase of a car with the regional maternity capital, therefore we cannot specifically say what is meant by documents for the purchase of a car. Probably, this should include a certificate-check, payment documents for the payment of a certain amount, a contract for the sale of a car, from which it follows that we lack the amount of regional capital.

In a word, if you are a resident of those entities where it is allowed to use funds in this way, then in any car dealership they will tell you what to do in this situation.

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