Maternity capital on the car: bill

In 2007, the federal draft law "On Mother's Capital" was drafted and adopted, and in 2016 it was extended until 2018. The law provides for the payment of financial assistance to families that gave birth to or adopted a second, third and subsequent children. To purchase housing, according to the Pension Fund, it was spent approximately 94% of the amount of all extradition.

As early as 2015, Dmitry Medvedev took the initiative to consider the initiative to consider the purchase of a car using maternity capital. Maternity capital on the car? However, those who opposed this decision were in the majority, and therefore the bill was not adopted.

Two years later, on March 17, 2017, the State Duma deputies again introduced a law that allows the use of maternity capital for the purchase of motor vehicles.

Can you use maternity capital on a car?

Under the influence of the law are large families, guardians of foster children and families with disabled children who have two or more children (in some regions maternity capital is given to families with the birth of the first child, in others - with the third replenishment). Representatives of the authorities suggested using maternity capital for payment of a loan taken to buy a car. But the bill cuts down the opportunity to carry out certain legal actions with transport: it will be possible to sell the passenger car only after three years from the date of its purchase.

How will the new law help?

The changes made to the bill will give support to citizens who can not understand exactly where they should spend their money. About 47% of fathers and mothers never applied for state aid.

Adoption of the law will stimulate the market for motor vehicles and help families make the right decision. Families with children will have the opportunity to buy transport, and sellers of cars - buyers.

Other changes were proposed, for example, to pay the allowance in shares, to give families the opportunity to buy a plot of land, but the proposal was rejected.

Requirements for buying a car

If the bill is considered to come into force, then the basic requirements for the acquisition of the car will be established:

• It must be new;
• The body must accommodate no more than eight passengers;
• The car should be produced in the territory of the Russian Federation;
• Each family member gets shares;
• Parents undertake to formalize the rights to shares for themselves and for each child;
• The sale of the vehicle is allowed only 3 years after the purchase.

Cooling the ardor of parents is that it is possible to use maternity capital on a domestic car, whereas many want to purchase a foreign car, which the law does not provide for. The requirements are to be fulfilled only if the funds from the parent capital are spent.

Maternity capital on the car: for and against

To determine whether it is worth spending maternity capital on the purchase of a vehicle, you need to weigh all the pros and cons.

The reasons for this decision are:

1. Families with many children are much easier to travel by their own car than by municipal transport.
2. You can directly control the movement of the child to the educational institution.
3. If the family has a disabled child, the machine will be in priority.
4. The car is an aid to families whose children attend educational institutions, circles, etc., which are far away from home.
5. The car can be used not only to transport children. You can earn money on it.
6. The expenditure of maternity capital on the purchase of cars stimulates the country's auto industry.

Reasons "against":

1. The car eventually loses in value, and spare parts for it are not cheap.
2. The car is purchased in the interests of the parents. It is issued for one of them, and at the dissolution of marriage will remain with anyone, but not the child.
3. If you spend money on the purchase of a car, then a woman who has been on maternity leave for a long time will not be able to solve the problem with the formation of a further pension.
4. Transport can be sold only in a couple of years. No matter what happens, you will not be able to say goodbye to him before. Although the power of attorney has not been canceled.
5. Maternity capital can be spent only on a domestic car.

Experience of regions

To understand how things are with the matkapitalom in the regions, you can give an example of some of them:

1. In the Orel region, they give financial assistance to families after the birth of their second child.
2. Own matkapitalom in the Kaliningrad and Ulyanovsk regions can be after the birth of a third child.
3. In the Novosibirsk region, after the birth of the third child, the family receives state aid.
4. In Kamchatka, matkapitalom can be used at the birth of the first child.

Will the bill be adopted at the federal level?

Unanimous decision yet. Some deputies believe that the adoption of the bill will help both the families and the economy of the country, while others believe that it will not do anybody good. Maternity capital on the car is not allowed to use, but they are considering this possibility. Those who are against the signing of the law say that it is better to channel maternity capital in a more profitable direction, for example, to purchase housing, because the car will lose in its value every year, and housing, on the contrary, will grow. The purchase of cars can not significantly affect the growth in sales of new cars.

Some deputies are convinced that it is not necessary to legitimize the fact that maternity capital can be used for a car (bill), because with the help of a car some unfavorable families can cash maternity capital by drawing up a power of attorney for third parties and transferring vehicles for their use, Amount of money.

Other officials believe that a car for families with more than two children is as important an acquisition as housing. And if they want to buy a car, then why should they prohibit it? People have the right to make decisions themselves, which is more important for them: housing, vehicles, pensions or the education of children.

Some large families have their own opinion. Money for study and pension savings will be needed later, and personal transport is needed today, since children need to visit educational institutions on a daily basis.

Finally

Will there be amendments to the bill, only to the deputies. They should review the experience of the regions of the country in order to make the right decision. It is also important to analyze all the pros and cons of this law.