Current legislation as of2011, the purchase of a car for maternity capital is not envisaged. Of course, in many regions services are offered for the cashing out of the parent capital, 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's not a fact that the money allocated to the family will not get to the scammers entirely.
You will need
- - common sense-
- - law-abiding.
By law, the family can spend the mother capital For strictly limited purposes: The education of children, the solution of the housing problem, or to use these funds for the mother's retirement savings. The latter option may not be the best choice, because our state of trust of its citizens does not deserve. 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 up to it, a small one.
But here other opportunities seem much more reasonable investment.
It is unlikely that many families in Russia will be typed, especiallyHaving 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 worthwhile, are able to solve the transport problem (and rather long decided) and without the help of the state.
If the parents are burdened with a mortgage, it is betterSend these funds for early repayment of the loan or interest on it. In addition, the law allows you to do this without waiting for the baby, to whom the mother capital, Will be three years old.
Savings at the expense of this money, which would have to overpay when calculating with the bank on a regular schedule, can be enough for the car.
The fact that the education of children is the best investment inTheir future, understand any more or less reasonable parents. And for a well-educated person, the chances of earning money on your own car in the future will increase significantly.
So it's better to find means to buy a car in other sources or while do without it, and mother capitalTo dispose of one of the legally prescribed appointments.