How to use maternity capital, many mothers think. Maternity capital is the financial support of families in which a second or subsequent child appears. The decree on payments to mothers was issued in 2006. Since 2007, we have been issuing certificates for capital. The program is valid until January 31, 2015. Will the continuation of the "banquet" is unknown.
In order for a woman to realize her right, it is necessary to file an application with the Pension Fund, provide the mother's passport and copy, the birth certificate of all children, the birth certificate of the mother, the pension insurance certificate SNILS (this document is registered with the Pension Fund), if necessary, provide a certificate from ZAGSA about the first marriage and the certificate of divorce. All, the certificate is received, now you have to think about where you can spend your maternity capital.
The maternal capital for a double in a double size will not be paid. Only one of the kids will receive the certificate. If, since 2007, the family has already received capital, and later a third child was born, then it no longer falls under this program. This is one-time help. You should not count on more.
If this is a mortgage, then for many cities in Russia, 250-300 thousand do not pull even for the first installment. It's so, 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, it's ridiculous to talk about pension savings. Which of the Russians believes that he will retire and actually receive the funded part? At the moment this is the same as the promise of the CPSU that every Soviet citizen will have his own apartment in 2000.
On the other hand, money is not superfluous. Even small ones. And how you can use the maternity capital, you can and should decide.