The current legislation as of 2011 does not provide for the purchase of a car for maternity capital. Of course, in many regions, maternity capital cashing services are offered, after which it can be used for any purpose. But we must understand that they are not only not free, but also illegal. And it is not a fact that the money allocated to the family will not go entirely to the scammers.
It is necessary
- - common sense;
- - law-abidingness.
Instructions
Step 1
According to the law, a family can spend maternity capital for strictly limited purposes: education of children, solving the housing issue, or use these funds for the mother's pension savings. The latter option may not seem to be the best choice, since our state has not earned the trust of its own citizens. And there are no guarantees that no matter how much a person accumulates on his personalized account, he will not find a reason to make his pension, if he lives to see it, small.
But the rest of the possibilities seem like a much smarter investment.
Step 2
It is unlikely that there will be many families in Russia, especially those with more than one child, who would have solved the housing problem, including taking into account the future needs of their children. Those, for whom it is not worth it, are able to solve the transport problem (or rather solved it long ago) without the help of the state.
If the parents are burdened with a mortgage, it is better to direct these funds to early repayment of the loan or interest on it. In addition, the law allows you to do this without waiting until the baby, for whom the maternity capital was paid, turns three years old.
The money saved due to this, which would have to be overpaid when settling with the bank according to the usual schedule, may well be enough for a car.
Step 3
The fact that education of children is the best investment in their future is understood by any more or less reasonable parents. And for a well-educated person, the chances of earning money for his own car in the future without much stress increase significantly.
So it is better to find funds to buy a car from other sources or do without it for now, and use the parent capital for one of the purposes provided for by law.
