Maternity capital: who is entitled to it, how to legally cash it, how to buy a car, for the first child

Maternity capital is a form of government support for families with two or more children. The peculiarity of these funds is that they can be used strictly for specific needs: mother’s pension, improvement of living conditions, education of children.

In 2020, residents of specific regions can spend maternity capital on buying a car; others will have to wait until the corresponding bill is passed. At the moment it has already been submitted for preliminary consideration.

True, there are many nuances that will have to be taken into account when buying a car if the law is passed.

When and by whom were the initiatives put forward?

The bill on the possibility of purchasing a car using maternal capital has been put forward more than once.

A bill from A Just Russia on purchasing a car with maternity capital was rejected

On May 30, 2019, bill No. 721208-7 was made public. The initiative was rejected even before the first reading. Then the State Duma sent it for revision. The initiator was the head of the A Just Russia party, Sergei Mironov.

Deputies consider it unacceptable to use children's money to purchase transport. In most cases, such an expense is justified, since transportation is often an urgent need for a family with two or more children.

Officials do not yet agree to allocate children's funds for the purchase of cars

In which regions is it allowed?

While there are disputes at the Federal level, in five regions of Russia they still allowed the purchase of a car using funds from regional maternity capital. These areas include:

• Kamchatka Krai;
• Kaliningradskaya;
• Novosibirsk;
• Orlovskaya;
• Ulyanovsk region.

In five regions the car is for swearing. capital is being acquired, but the program is a pilot

Each region has its own conditions for receiving maternity capital funds to purchase a car. For example, in the Kaliningrad region, a child must be at least one year old before parents can apply to purchase a car.

Rating of modern and reliable passenger car engines

The amount of the certificate for purchasing a car is also different and depends on the number of children in the family:

1. In the same Kaliningrad region, a family receives 1 million rubles by law for a third child.
2. In the Ulyanovsk region, a child must be at least one and a half years old.
3. In the Oryol region, to improve agriculture, it was allowed to purchase not only passenger cars, but also agricultural equipment.

There are also restrictions on the period of residence in the region.

What cars can you buy?

According to the bill, which was submitted for consideration at the Federal level, the machine must meet the following requirements:

• produced on the territory of the Russian Federation;
• cost up to 1 million rubles;
• was not previously registered;
• power up to 125 hp With.;
• the car cannot be resold or alienated;
• the child must be a co-owner;
• In addition to the driver's seat, there must be at least 3 passenger seats.

You can only buy a new domestic car with maternity capital funds

There are no regional restrictions on the country where the car will be produced. Which car can be bought with maternity capital in a particular region must be checked on the official websites of local government agencies.

How does the procedure take place and what documents are needed?

To purchase a car using a maternity capital certificate, where this is permitted, you must provide the following documents:

• statement on the use of certificate funds;
• passport of the person holding this document;
• car purchase and sale agreement;
• details of the car and registration certificate issued to the bearer;
• loan or installment agreement, if the vehicle is purchased using borrowed money;
• certificate from the car dealership;
• details for transferring funds.

We collect a package of documents for the transaction

At the initial stage, you need to decide on a car dealership and a bank that will issue a loan for the remaining amount. Then collect a complete package of documents and apply to the Pension Fund with it.

When are they planning to allow it in other regions?

At the moment, the project is a pilot project and it is unknown whether it will operate in the future or whether such use of regional certificates will be allowed in other regions of the country.

Conclusion

1. Matkapital for the purchase of a car in 2020 can still be received by a very limited number of citizens and in only 5 regions.
2. You can only buy a new Russian-made car worth up to 1 million rubles. 
3. If the pilot project shows itself in a positive way, residents of other regions will have a chance to spend the certificate funds on purchasing a car for their family.

How do you feel about the opportunity to spend maternity capital funds on buying a car?

Source: https://mycary.ru/car/buy-sell/matkapital-pokupka-avto-2020.html

Is it legal to buy a car with maternity capital in 2020?

The program to support large families in Russia was launched in 2006. Nevertheless, the problem of their purchase of a car was not resolved, because the use of maternity capital for this was not directly allowed. Its use, even for legally permitted purposes, has long been fraught with problems. When it comes to the question of whether it is possible to buy a car with maternity capital, not everything is so simple.

Features of the new bill

December 2014 was marked by an order given by the Prime Minister to the Government of the Russian Federation. Its essence was that before February 12, 2016, the Cabinet of Ministers should consider the issue of creating a real opportunity for citizens to purchase a car for maternity capital. Such a step was called a condition for the development of the domestic automobile industry.

The matter did not come to a serious change in the situation either in 2016 or in 2017, when a bill was even introduced into the State Duma that proposed amendments to Federal Law No. 256 of December 29, 2006. To date, no law has been adopted allowing the use of maternity capital to purchase a car.

The legislation directly indicates several ways to develop maternal capital:

• children's education;
• purchase or reconstruction of housing for a family;
• mother's pension;
• social adaptation of children with disabilities.

The above-mentioned bill contains a number of conditions under which it becomes possible to buy a car with maternity capital. Money for the purchase must be transferred to the seller only in cashless form. It is possible to obtain the certificate before the youngest child reaches 3 years of age. The car itself must be:

• made in Russia;
• a completely new car (purchase of a used car is not allowed);
• suitable for a large family in terms of the number of seats, but there should be no more than 8.

It is also proposed to limit the possibility of resale of the car by making it:

• not available for resale for the first 3 years after purchase;
• necessarily divided into shares.

The latter establishment may lead to a situation where parents who are unable to agree on the procedure for using the vehicle will be forced to resort to court proceedings on this issue. In resolving such a dispute, the magistrate will first of all take into account the interests of the children. Each parent will be allocated their own days to travel in the family car.

Who is eligible to buy a car?

The number of persons eligible to purchase a car, in addition to the mother herself, who gave birth to her second and subsequent children after January 1, 2017, may include:

• mother's representatives by proxy;
• parents who adopted their second and subsequent children;
• the father without a power of attorney, if the mother is not alive, or she has been deprived of parental rights or limited in them.

Pros and cons of investing a certificate in a vehicle

There are the following advantages of using maternity capital for a car:

• the opportunity to fully realize maternity capital without attracting additional finance, since its amount will be 475 thousand rubles in 2020, which is quite enough to buy a car;
• the ability to quickly move a family with children in both urban and rural areas;
• support for the domestic automobile industry;
• the opportunity to replenish the family budget by earning money as a private driver.

Critics of this bill cite the following arguments against it:

• rapid depreciation of the car due to wear and tear;
• threat of damage to the car when involved in an accident;
• the possibility of quickly losing a car due to theft;
• the possibility of quick resale of the vehicle, which means actual cashing out of capital;
• A car is not a necessary attribute of a prosperous family, unlike education and housing.

Implementation of the program in the constituent entities of the Russian Federation

Problems with the implementation of the federal law have led to the development of this issue in the regions. Since 2008, in some regions of the federation it has become possible to spend part of maternity capital on buying a car.

Each region determines the amount of such regional capital independently, but usually it ranges from 100 to 150 thousand rubles.

There are still few entities practicing this form of support for young families:

• Kaliningrad region;
• Ulyanovsk region;
• Novosibirsk region;
• Smolensk region;
• Kurgan region;
• Kamchatka Krai.

In the latter, the program is notable for the fact that a mother can receive capital amounting to 100 thousand rubles at the age of 19 to 25 years after the birth of her first child. This money can be spent after the child reaches six months.

In addition, for the second and subsequent children, regional capital payments are provided in the amount of 300 thousand rubles for each. The only limitation in choosing a car and a seller is the need to purchase only a new car.

 

Now let’s directly consider the question of how to buy a car.

 

Choice of seller and car

A family intending to purchase a car using maternity capital must first find a seller who is willing to sell the car for cashless payment.

The state carefully monitors the legality of the use of maternal capital, so the purchase process will take some time (usually from one to two months). Authorized bodies verify the authenticity of the documents involved in the transaction, as well as the status of the seller.

Submission of documents to the Pension Fund of Russia

Holders of maternity capital must submit an application containing a request to purchase a car using maternity capital funds to the Pension Fund. The application must properly justify your choice. The package of documents that must be attached to it is as follows:

• vehicle passport;
• car purchase/sale agreement;
• a bank certificate confirming the presence of debt on the account to which funds are planned to be transferred during the transaction;
• loan agreement (in case there are not enough capital funds and borrowed funds are attracted).

In some constituent entities of the Russian Federation, family inspections are practiced by social protection authorities, which are called upon to assess the living conditions of children. Living space will be assessed primarily. If the inspectors deem them not in need of improvement, then the parents will receive appropriate permission to purchase the car.

Payment and use of the car

Parents become happy owners of a personal car after the money is in the account of the seller or the bank from which the car loan was taken out for this purchase.

In different regions, there are different nuances of purchasing a car using regional capital. The following table will help you understand them.

Subject of the Russian Federation Features of regional capital Novosibirsk region Money can be obtained if the second and subsequent children were born after January 1, 2012 Kurgan region Only after the birth of the second child, the purchase of a car is allowed Ulyanovsk region Purchasing a vehicle is possible if the third and subsequent children were born or were adopted after 2011 Kaliningrad region It will be possible to spend regional capital on a car only after the birth of the third child Kamchatka Territory It is possible to use regional capital funds to purchase a car after the birth of the first child

Unfortunately, at the level of the Russian Federation, the issue of purchasing family cars with maternity capital has not yet been resolved. Nevertheless, some regions have taken up the task of supporting citizens in this area, and this opportunity should be used by everyone who is already planning a new addition to the family.

Source: https://AutoLawyer.guru/prodazha/materinskij-kapital-na-pokupku-avto/

Maternity capital for 1 child: changes in 2020

On January 15, 2020, Vladimir Putin proposed paying federal maternity capital at the birth of the first child . The initiative was voiced during the President's Address to the Federal Assembly.

Read also: Discharge a mother without a child from the apartment

In 2020, the amount of maternity capital in this case will have to be 466,617 rubles . Those families in which the first child will be born from January 1, 2020 will be able to receive the certificate.

Below is a quote from the President's speech.

Fragment of the transcript from the official Kremlin website

The conditions and directions of the order are still unknown , but most likely those that are relevant for maternity capital for 2 children will partially apply.

In addition, Vladimir Putin proposed extending the maternity capital program until December 31, 2026. It is currently valid until December 31, 2021.

The President also took the initiative to increase the mat capital for the second child by 150 thousand rubles . Thus, the total size of the certificate for a family with two children will be 616,617 rubles .

Read more about this in the “Latest News” section.

Mat capital for 1 child in 2020: new law

Vladimir Putin made a proposal to pay maternity capital for the first child . Parents whose first child was born starting January 1, 2020 will be able to obtain a certificate.

According to the President, mat capital in this case should be paid in its “current amount”: in 2020 it is 466,617 rubles . In the future, it is planned to index it annually.

The exact conditions for obtaining a certificate for 1 child will be known when the relevant law is prepared. But most likely, maternity capital for the first child will partially apply to the requirements that apply when registering maternity capital for the second.

That is, most likely, women with Russian citizenship who, during the period from January 1, 2020 to December 31, 2026 (preliminary) had their first child - a citizen of the Russian Federation, will be able to count on a certificate for 1 child.

Moreover, if the mother loses the right to maternity capital, the child’s father can receive it, and if two parents are deprived of the right, the child himself can receive it.

Before Vladimir Putin made his proposal, families could not receive federal maternity capital for their first child. However, in some regions of the Russian Federation in this case they could apply for regional maternity capital.

What can you spend mat capital on for your first child?

It will most likely be possible to manage maternity capital for 1 child in the same ways that are currently in effect:

You can also receive monthly payments from the certificate funds for a second child under 3 years of age, but how this clause of the law will work when receiving maternity capital for the first child is still unknown.

The exact list of areas in which it will be possible to spend mat capital for 1 child will be known after the publication of the relevant law.

Most likely, the funds can be used after the child turns three years old. If they spend it earlier, the family will have the right to:

In this case, the requirements that apply to the disposal of maternity capital to a second child will also likely apply. For example, housing purchased with certificate funds will need to be registered as the common shared property of the child and parents.

Latest news

Vladimir Putin, in his message to the Federal Assembly, also proposed increasing the size of maternity capital by 150,000 rubles. According to him, the family will be able to claim this amount after the birth of their second child.

The total amount of maternity capital for a family with two children will be 616,617 rubles . According to Vladimir Putin, if parents already have a child, then at the birth of the second they will be able to count on an increased amount.

Fragment of the transcript from the President's speech

In addition, the President proposed to increase the duration of the program until December 31, 2026. At the moment, maternity capital is calculated until December 31, 2021. Taking into account all the changes, it is likely that those parents who have:

• the second child was born between January 1, 2007 and December 31, 2026;
• the first child was born between January 1, 2020 and December 31, 2026.

Svetlana Bessarab, a member of the State Duma Committee on Labor, Social Policy and Veterans Affairs, told Izvestia that bills providing for changes to the mat capital program will be considered as quickly as possible. She expressed hope that already in March-April 2020, families will be able to obtain maternity capital for their first child.

Prior to this, Valery Ryazansky, head of the Federation Council Committee on Social Policy, said that laws expanding the maternity capital program could be adopted as early as February .

Source: https://materinskij-kapital.ru/news/za-1-rebenka-v-2020-godu-novyj-zakon/

Maternity capital for the first child in 2020

On behalf of V. Putin, the maternity capital program will be expanded in 2020 - now the family will be able to receive it at the birth of their first child . President V. Putin announced this change on January 15, 2020 in his message to the Federal Assembly. The new law on the payment of maternity capital for the first child will come into force “retroactively” - from January 1, 2020.

A family that has received maternity capital for their first child will be able to direct the funds in any of the areas provided for by law.

The amount of the certificate for the first child will be 466,617 rubles - this is the amount that was provided for maternity capital for the second child before the changes proposed by V. Putin. From January 1, 2020

Maternal capital indexation just took place, as a result of which its size increased by 3%.

In addition to providing maternity capital for the first child, Vladimir Putin announced the following changes to the program:

• When a second child is born in a family, maternity capital will be increased by 150 thousand rubles. In this case, a family with two children will receive a certificate in the amount of 616,617 rubles.
• The validity of the maternity capital program will be extended until the end of 2026 (for now the program is provided only until December 31, 2021).

V. Putin about maternity capital for the first child in 2020

On January 15, 2020, the President delivered a traditional message to the Federal Assembly, during which he proposed changing the maternity capital program in Russia from January 1, 2020.

Vladimir Putin said that at the birth of the first child, families will receive maternity capital - currently its amount is 466,617 rubles .

Previously, such support was provided only at the birth of a second or subsequent child.

A quote from V. Putin’s statement about maternity capital for the first-born is given below:

The President also announced changes regarding families in which a second child is born - they will have the right to an increased amount of maternity capital. Vladimir Putin proposed increasing it by 150 thousand rubles, that is, up to 616,617 rubles in 2020 . These changes will also come into force on January 1, 2020.

Mat. capital for 1 child: new law

The law on maternity capital for the first child will come into force on January 1, 2020 (that is, “retroactively”). Accordingly, the changes proposed by V. Putin will apply to families in which first-born children were born from 2020 to 2026 inclusive , since the program is valid until the end of 2026.

More specific conditions for obtaining a certificate will become known only after the text of the bill on maternity capital for the first-born is published. Its development will begin in the near future in accordance with the instructions of the President.

As noted by the head of the Federation Council Committee on Social Policy V.

Ryazansky, such a law could be adopted as early as February if the Government promptly develops a draft law and submits it for consideration to the State Duma.

 

It is likely that the procedure for issuing a certificate for the first-born will be the same as for the birth of a second or subsequent child. You can get maternity capital:

• A woman who gave birth to or adopted a child (in this case, the first), having Russian citizenship, regardless of her actual place of residence.
• If a woman is deprived of her right to receive mat. capital, the certificate can be received by the father (adoptive parent) or the child himself, if both parents are deprived of their rights.

is too early to apply for a certificate , since regulations governing such payments have not been prepared.

We need to wait until the Government prepares and submits a corresponding bill to the State Duma, it is approved by the State Duma deputies and the Federation Council, and then signed by the President.

Only after this the Pension Fund will begin issuing certificates for the first-born.

Amount of maternity capital per child

The amount of maternity capital for the first child in 2020 will be 466,617 rubles . This amount will be indexed annually by approximately 4%. That is, the size of the maternity capital will be about 485,282 rubles. in 2021, RUB 504,693. in 2022 and so on.

Since the amendments proposed by the President come into force on January 1, 2020, maternity capital cannot be received for the first-born child born before 2020 (in 2019, 2018, 2017 and earlier).

However:

• If a second child is born in such a family in 2020 or later, it will be possible to receive an increased certificate. For those born in 2020, the amount of maternity capital will be 616,617 rubles, and in the future this amount will be indexed annually.
• Also, an increased amount of maternity capital (RUB 616,617 in 2020) will be available to a family in which twins are born.

If a family did not receive MK at the birth of their second child (for example, he was born before 2007, when the program was not yet in effect), it will be possible to obtain a certificate at the birth of the third. For those born in 2020, it will also be 616,617 rubles. In addition, such a family has the right to receive 450 thousand from the state to repay a mortgage loan from Russian banks.

What can you spend the certificate money on for your first child?

Until the bill on maternity capital for the first-born is published, one can only assume that the directions for disposing of the funds will be the same as those currently provided for by law. In this case, the certificate funds can be sent to:

It should be noted that the law provides for one more direction - receiving monthly payments for a second child under the age of 3 years. But how this direction will be implemented in the conditions of issuing a certificate at the birth of the first child is still unclear.

Most likely, monthly payments will continue to be made at the expense of MK funds, especially since at the birth of a second child it will increase by 150 thousand rubles.

But it will become known for sure only after the corresponding bill is submitted to the State Duma.

Source: http://materinskiy-kapital.molodaja-semja.ru/v-2020-godu/na-pervogo-rebenka/

How to cash out and use maternity capital legally in 2020

Last year I used my certificate to purchase a home. And I used the funds to repay the principal amount of the mortgage loan.

But before choosing this option, I considered other options for using it.

Therefore, in this article we will talk to you about how you can legally cash out or use maternity capital, and how not to stumble upon scammers.

For 2020, the amount of maternity capital is 466,717 rubles. Indexation is not expected in the near future.

What can you spend your capital on?

At the first stage, the program provided only 3 targeted areas for the use of funds. There are now 5 options for their use:

• for the education and upbringing of children;
• for the purchase or improvement of housing;
• for services and goods necessary for disabled minors to integrate into society;
• to increase a woman’s future pension;
• as a monthly benefit (new initiative, details on the PF website).

To use capital, you must first obtain a certificate and then manage it. The procedure for obtaining it is described in detail by me in this article. We will look at how to act step by step to direct funds in the chosen direction in this article.

Read also: Waiver of child support: voluntary, sample

Education

The funds can be spent when the child reaches 3 years of age. But if they are needed to pay for child care in special organizations or preschool education, they can be used immediately. Maternity capital can be used until the teenager’s age exceeds 25 years at the start of education.

All educational organizations are required to have a license and be located only in Russia.

Capital can be used for:

• education;
• accommodation in a hostel, this can also include utilities;
• supervision and maintenance of the baby.

There are 2 options to use the funds:

1. Arrange for payment for the organization's services.
2. Apply for a targeted education loan and use funds to repay it.

In the first case, the procedure will be as follows:

1. We enter into an agreement with an educational organization; it must have a license and be located in the Russian Federation.
2. We collect all the necessary papers.
3. We submit an application in one of the ways provided by law.
4. We are waiting for a decision from the Pension Fund.
5. If the result is positive, the funds are transferred to the organization’s current account in the manner and specific amount, in accordance with the signed agreement with the educational institution.

In the second case, the procedure will be as follows:

1. We sign an agreement with the organization on the provision of paid educational services.
2. We apply for a targeted loan from the bank, on the basis of which the bank transfers the required amount to the educational organization.
3. We collect the required package of documents.
4. We send the application and all papers to the Pension Fund.
5. Pension Fund employees review the received application and pay the funds to the bank.

In the second case, you will have to pay interest for using credit money, since the entire procedure will take you about 40 days. Therefore, I recommend using the first option.

Housing: buying an apartment, house, land, mortgage

You can use the capital to improve your living conditions after your child turns 3 years old. But if you apply for borrowed funds from a bank, you can apply the certificate earlier. There are several main directions on how to improve housing conditions:

• for the purchase of a finished premises;
• for the construction (reconstruction) of living space ( NOT renovation );
• for similar costs, but at the expense of construction companies;
• to compensate for the funds spent on housing during its construction;
• to pay for a share when participating in a shared housing construction transaction;
• as a down payment for a mortgage;
• to pay off the mortgage;
• to pay for a share in the cooperative.

Note! MK cannot be used “for repairs”, but can be used “for reconstruction”. Reconstruction involves changing the area of ​​future housing. However, if you live in a private house and a good lawyer can help you, you can cheat a little and register the repair as a reconstruction.

The procedure will be different in each case.

Buying an apartment, share, room, land

If you want to pay for the purchase of housing - an apartment, a house, a room, or its construction, you must proceed as follows:

1. We sign an agreement with the seller, construction company or housing cooperative.
2. We collect the rest of the package of documents.
3. We send the application to the Pension Fund.
4. The money is transferred to the account of this organization.

Using money to purchase a plot of land is only permissible for building a house on this land. If you plan to resell or use the land for commercial purposes, then such a transaction will be considered void and the funds will have to be returned to the state budget.

Construction

If you want to receive funds to build housing yourself, you will have to receive it in two stages. The order will be as follows:

1. We collect the required package of documents.
2. We send the application to the Pension Fund.
3. We receive the first part of the funds in our bank account.
4. We build or reconstruct housing . You must build the foundation of the room so that the future area is clear. If you are renovating, then you must increase the area by at least the minimum living standards for your family.
5. We evaluate the work performed . This is done by the organization that issued your building permit.
6. We re-collect the required package of documents and submit them to the Pension Fund.
7. We receive the second part of the funds in our bank account.

The legislation establishes a minimum period of time between two stages of 6 months. That is, you will not be able to receive the second part of the funds before six months.

Mortgage

If you use bank borrowed funds for acquisition or construction, then you must act in the following order:

1. Enter into an agreement with the seller or developer.
2. Sign a target loan agreement with the bank.
3. The credit institution will transfer the funds to the seller or construction company.
4. Collect the required package.
5. Apply. It is sent in all cases to the Pension Fund.
6. Wait for the application to be reviewed.
7. The money must go to the bank's bank account.

The transfer can be taken into account by the credit institution as a down payment, or as a regular payment to repay the principal amount of the debt. They can also cover part of the interest.

I used my maternity capital to pay off the mortgage. Thanks to these funds, the monthly payment was reduced by one third. Therefore, now my husband and I can pay the same amount, but the principal debt will be repaid in a larger proportion.

Products/services for disabled children

To purchase certain goods or services, you must have an individual rehabilitation plan for a disabled person. It must indicate the need for certain funds. They must also comply with the list established by law.

You can use the funds in 2 ways:

• purchased at the expense of MSC;
• purchased using credit funds.

In the first case, you will have to act as follows:

1. Contact a medical institution to receive a referral to undergo a medical social commission.
2. Pass the commission and receive a disability certificate. Together with it, an individual rehabilitation program is issued. It must be valid at the time of purchase.
3. We purchase the necessary funds or services. We make sure to save agreements and payment documents.
4. We contact social security so that they check and issue a certificate of actual receipt of these services or purchase of goods.
5. We collect the remaining necessary documents.
6. We send the application to the Pension Fund.
7. We receive funds into our bank account.

If you use credit funds, the only difference in this sequence will be the signing of a targeted credit agreement with the bank. The product or service will be paid for by him, and the funds from the Pension Fund will be returned to the bank, and not to your account.

Pension

The owner of the certificate can use it to increase his pension. To do this, he must direct them to a special savings account.

In retirement, additional funds will be paid from him along with the main pension. But at present, payments under this program have been suspended and it is not clear how this pension program will operate.

Therefore, I do not recommend using these funds in this direction.

But if you still want to ensure a good pension for yourself, then for this you need:

1. Collect the required package of papers.
2. Compile and submit an application.

Having received these papers, the Pension Fund will transfer the funds to a special savings account. You can refuse to manage funds in this direction until the time of pension payments.

Monthly payments up to 1.5 years

They can only be issued if your child was born after 2020. Payments will continue only until the child reaches one and a half years old. And the payments themselves will begin:

• from the date of birth, if you apply in the first six months;
• from the date of submission of the application, if submitted after 6 months.

The procedure will be as follows:

1. We collect the required package of documents.
2. We submit an application to the Pension Fund.
3. We receive payments every month into our bank account.

The legislation does not provide for other ways to dispose of the certificate.

You cannot buy a car with maternity capital, pay off a consumer loan, or spend money on travel.

How to cash out maternity capital

Legally

Some certificate holders wish to receive it in the form of cash. As mentioned above, the following schemes are legal:

• registration of monthly payments;
• registration of funds for the construction or reconstruction of premises;
• receiving compensation for expenses for disabled children;
• receiving a pension.

When using other legal methods, the funds will be transferred not to the owner of the certificate, but to the bank or a third party to the transaction.

Gray methods

These methods include seemingly legitimate methods of obtaining funds. But the result of such a scheme is that the funds are actually used to bypass the child. For example, some tools can be used:

1. For future construction not for their final purpose . Having built the first stage of the future residential premises, they receive the remaining amount of MSC, but do not continue construction, and use the funds received for other purposes.
2. To purchase goods or services for people with disabilities. After purchasing certain goods and receiving compensation for them, parents can sell these goods and get money for them.
3. Receiving monthly payments . These funds may not be used for the needs of the children, but for the personal purposes of the parents.

If a violation is detected, the transaction may be declared void, and then it will be terminated. And the capital will be returned to the state.

Black methods: illegal and dangerous

Some enterprising parents are ready to use any scheme to obtain funds. Therefore, they can use completely illegal methods to cash out funds. For example:

1. Buy an apartment/share/house from relatives . Such a fictitious transaction is understood as a conditional transfer of housing, although in fact the previous owners remain living in it. And the funds they receive from the state are returned to their parents. But such a transaction may be considered void and all the consequences of nullity will be applied to it. Parents will be required to return the funds to the state. Or there may be another option: people who agreed to this adventure risk being left without housing, since according to the agreement it was transferred to the certificate holders.
2. Overpriced housing, tuition, or costs for people with disabilities . Usually the cost is inflated by the required amount of capital. And after transferring the funds, the seller returns it back. There is nothing particularly terrible in this transaction, but you, as a buyer, risk that the seller may not return the overpaid funds to you. But you will not be able to prove in court that he deceived you.
3. Mortgage . There may be many options that realtors usually offer. They have special sellers who are ready to return the amount of maternity capital to you. But here you should not forget about the interest that you will have to pay to the bank. This scheme is also dangerous because you may not receive MSK and may also lose your home.

Attention! No matter how they tell you about the safety of cashing out, remember that if you are defrauded, you will not be able to get your money back through the court, since this transaction was illegal.

You can see some black methods in this video. But I strongly do not recommend you use them.

Responsibility

Besides the risk of losing your money, you are also risking your freedom. Criminal penalties are provided for illegal cashing of MSK.

The maximum term of imprisonment for fraud with MK is 10 years (according to Article 159.2 of the Criminal Code).

You can earn it if the amount is very large, and if you are a member of a criminal gang. For a one-time cashing of the amount of one certificate, you risk receiving a fine and losing your rights to MSC.

Tips on how to avoid being scammed

Despite strict Russian legislation, there are a lot of scammers operating in this area. And to avoid being scammed, I recommend you:

1. Do not try to use gray and black deception schemes . Because most scammers work in this direction. You will not be able to protect your rights because you are entering into a transaction outside the law. Only legal contracts are fully protected by Russian law.
2. Carefully read all contracts and other documents that you sign when concluding a transaction . If you include a condition on the timing of the transfer of maternity capital, do not put them back to back. There are various situations in which you can delay submitting an application to the Pension Fund, and then the fund will pay the funds later than the period specified in the agreement. Be sure to leave a reserve of at least 30 days.
3. Dispose of MSC only in legal directions, then the state will not force you to return this money, and the court will not invalidate your transaction. The Pension Fund has the right to verify the legality of the use of issued funds.

Read also: Alimony from sick leave: is it withheld or not, at the expense of the Social Insurance Fund

If you act strictly in the manner prescribed by Russian law, then the law will be on your side. You can challenge any illegal act against you in court and receive monetary compensation in case of fraud.

Source: https://grazhdaninu.com/lgotyi/materinskiy-kapital/ispolzovat-mat-kapital.html

Buying a car with maternity capital in 2020

Many families who do not have various problems with housing and finances often look for alternative options for using maternity capital. For example, these funds provided by the state can be invested in the purchase of a new car.

But is it possible to buy a car with maternity capital? At the moment, this is a very pressing issue that worries many families. Previously, the state established certain criteria for spending the capital provided to families, and families could not spend this money on purchasing a new car. But as of 2020, the situation has changed radically.

Is it possible to buy a car with maternity capital?

Previously, federal law established numerous requirements for the use of this capital. And the family that received it could only spend it on the following needs:

1. Buying a new apartment
2. Home construction
3. Payment for child's education
4. Payment for various childcare services
5. Investing part of the capital in the pension of the child’s mother

Many families already have their own living space, so the question of purchasing one disappears. But purchasing a new machine with additional funds would be just right. And therefore, in many regions, the current and local authorities of the Russian Federation met the citizens halfway.

If the family does not have problems with housing, child support standards are not violated, and the allocated funds will not be invested in paying for studies, then the family is allowed to buy a car with maternity capital.

But there are certain limitations and nuances in this matter. Unfortunately, you can buy a car with this capital not in all regions of the Russian Federation, but only in certain ones. When a family wants to purchase a car for capital, in a region where this is permitted, its legislation will take into account certain factors. Mainly, such as family living conditions and total earnings.

Conditions for purchasing a car using maternity capital

Almost all regions of Russia make the conditions for issuing state subsidies the same:

• All further actions and procedures must be coordinated with representatives of social protection.
• Usually the amount of maternity capital is not higher than 100 thousand rubles. But there are exceptions when the capital issued by the state is much larger.

Examples of conditions for purchasing a car in different regions:

• In Kamchatka, the mother of the child must meet a certain age category (19-24 years old), and also be legally married. The amount received can be applied only after the child turns 1 year and 6 months. You can also add personal funds to purchase a car. The entire amount will be sent to the seller of the car.
• In the Kaliningrad region, a family can receive funds and approval for the purchase of a car from the state only after the birth of their third child.

Selecting a car according to the conditions

When the family has already received the so-called regional family certificate, and their child has reached a certain age (usually from 1 to 1.6 years), then they can already begin searching for the desired car.

But you will need to find a car that meets absolutely all the criteria. On the other hand, buyers are in for a surprise!

It is not always possible to find a person who wants to sell his car for money from maternity capital. After all, paying with maternity capital takes quite a long time.

After selling a car to its seller, money may arrive only after 1-2 months, in some cases it happened that they arrived later.

Not everyone will want to bother with this - the money is needed here and now, so the seller may want to throw in a little.

Necessary documents for completing a transaction

After the family has managed to find a person willing to sell the car for maternity capital, she needs to collect the necessary documents and take them to the social security office.

To purchase a car for capital, you will need the following documents:

1. Passport of the Russian Federation
2. Family certificate
3. Sales and purchase agreement document
4. Documents for driving a vehicle
5. Seller's details for transferring funds to his account to buy a car
6. In some cases, depending on the region, a document of debt obligations to the seller may also be required

After completing all the documents, the funds will be transferred to the seller of the car. And after a thorough check of documents on both sides (buyer and seller), the transaction will be completed.

Source: https://ProfiComment.ru/pokupka-avto-za-materinskij-kapital/

Maternity capital in 2020: what changes are planned in the program

In Russia there is a subsidy for families who have given birth to or adopted a second child - maternal (family) capital. For parents, this is real support, thanks to which it is easier to decide on another baby. Therefore, it is important to know the nuances of the state program and keep abreast of changes.

The amount of maternity capital in 2020

The main planned change is that the size of the payment should be increased from 2020.

Initially, the government indexed maternity capital annually - the amount increased according to the increase in inflation. But since January 2016, due to the crisis, indexation was stopped. The amount of the subsidy was fixed at 453,026 rubles.

Indexation will resume in 2020. At the St. Petersburg International Economic Forum, held from June 6 to 8, 2019, this was announced by the Minister of Labor Maxim Topilin.

According to him, the government has already decided on indexation and has budgeted money for this. The benefit amount will increase by 4% (this is the forecast for price growth).

The amount of maternity capital in 2020 will be 470 thousand rubles.

This information was confirmed by Deputy Prime Minister Tatyana Golikova, curator of the national project “Demography”, within the framework of which maternity capital is paid.

Video: news about increasing maternity capital

Who will receive maternity capital

Maternity capital in 2020, as in previous years, is available to mothers who are citizens of the Russian Federation who gave birth to or adopted a second child . The child must also be a Russian citizen.

Women who have given birth to or adopted a third, fourth or subsequent child can also apply for state support, provided that they have never received maternity capital. The father of the child can apply for the payment himself - if he is the only parent (adoptive parent).

If both parents cannot receive maternity capital (passed away, deprived of parental rights), the child himself receives the payment instead.

In the spring of 2019, the Public Chamber Commission for Support of Family, Motherhood and Childhood voiced the idea of ​​“paternal capital”, which would exist simultaneously with maternal capital.

The idea is this: the father receives a cash payment after the birth of his third child. Moreover, all children are born from the same parents, and the parents are in a registered marriage.

For now, this is just an idea; whether it will be implemented is unknown.

What can you spend maternity capital on in 2020?

The areas where maternity capital can be used will not change in 2020. The family has the right to spend the subsidy for the following purposes.

1. Child's education. Payment for private kindergarten, additional institutions. education, secondary schools, colleges, universities, payment for a hostel (if the child studies in another city). Educational organizations must be located in Russia and have a license for educational services. The child’s age at the start of training is no more than 25 years.
2. Adaptation of a disabled child. Purchasing things to help a sick child live in our world: special furniture, strollers, computers. A complete list of products is provided by the government.
3. Purchase or construction of housing. Matkapital can be used to pay a mortgage, invested in shared construction of an apartment or in the construction of your own house, or bought real estate from the owners with matkapital.
4. Monthly payments. Low-income families can receive a “piece” of maternity capital every month for the first year and a half of a child’s life. A low-income family - whose income is less than 1.5 times the subsistence minimum (the average in Russia is 1 minimum = 10 thousand rubles). The bill to increase the threshold to 2 subsistence minimums is already being considered by the State Duma in the first reading.
5. Mom's funded pension.

In May 2019, State Duma deputies proposed a bill according to which it would be possible to buy a car with maternity capital while the Chairman of the State Duma is considering it.

Maternity capital can be spent on several areas at once . For example, pay half of the subsidy for a kindergarten, and invest half in building a house.

Video: The President of the Russian Federation on subsidies and increasing the threshold for payments

How to use maternity capital: procedure, conditions

This side of maternity capital will remain the same in 2020.

One mother can receive maternity capital once in her life - only for one of her children. According to Tatyana Golikova, the Government of the Russian Federation is not going to change this condition: first you need to assess the effectiveness of existing support programs in the country (in addition to maternity capital, for example, there is an allowance for the first child), and then think about changes.

Matkapital is issued by the Pension Fund at the request of the mother. The application can be submitted in person - to the pension authority at your place of residence, or you can submit it online - on government services or the Pension Fund website.

You can manage maternity capital when the child turns three years old. Exceptions: maternity capital for housing (if borrowed funds are attracted), for monthly payments, for payment for a private kindergarten. In these cases, the subsidy can be used immediately, without waiting for the child’s third birthday.

Matkapital exists only in non-cash form. This condition is unlikely to ever change. You will only be given a certificate for maternity capital. This document confirms: you have exercised your right to a subsidy and your money is in the Pension Fund.

A certificate for maternal capital confirms that the Pension Fund has provided you with a subsidy

To spend maternal capital, you need to write an application about this to the Pension Fund. The application must indicate the purpose of using the subsidy (for example, making a down payment on a mortgage).

The pension fund will review and, if there are no comments, approve the application.

And only after that, directly, bypassing you, will he transfer money to the account of the person whose services or goods you were going to pay for (for example, the bank lending to you).

Duration of the maternity capital payment program

The maternity capital payment program runs until the end of 2021. The subsidy does not apply to children born in 2022. Discussions about extending the program have been going on for a long time. Some officials propose that the timing of subsidy payments be equal to the deadline for the implementation of the national project “Demography” (after all, maternity capital is part of “Demography”). So maternity capital would exist until 2024.

For extension and objective reality. Nowadays young parents are people born in the 90s, the “demographic hole” generation. There are few of them, therefore, the number of their children will not be large either. And without government support, not everyone will decide to have a second or third child. Matkapital would be an additional incentive. But for now, in 2020, the government does not plan to extend the maternity capital program.

 

In 2020, indexation of maternity capital will resume, and, as a result, the amount of the subsidy will increase (up to 470 thousand rubles). No other changes are expected yet, although officials are proposing different ideas and bills. There are no plans to extend the program yet.

Source: https://ozakone.com/semejnoe-pravo/materinskiy-kapital-v-2020-godu.html