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How can you use maternity capital: options

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.

There are families who have already been able to use the right to implement funds on the certificate. But many still think about how to use maternity capital. The options were fixed legislatively back in 2006, since then there have been no changes. Moms can find the solution to their housing problem on this money, leave all or part of the capital for the education of the child (it is not so important, which, you can teach this to the elder). This amount can be put on the pension account of the mother, for the formation of her pension (the most incredible choice for the Russians). A small part of the amount of 12 thousand for 2008-2010 certificates could be obtained in cash. Now this is not. Cashing in the entire amount - a crime for which you can get a big fine or even a real sentence, should not be risked, venturing into different adventures. They will catch you - it will not seem a little.

The funny thing is that the financial help looks rather big. In 2007, it was 250 thousand, and in 2013 - already 430. But there is one small nuance. Money can not be touched for 3 years. And 250 thousand samples of 2007 are very different from 250 thousand in 2010. Therefore, mothers still wonder how you can use maternity capital to make it a real benefit.

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.

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