Non-cash payment: cashing in of the parent capital is impossible!

At all times, states have fought for raising the demographic state of their society. The birth of a new citizen is a guarantee of the prolongation of the life of the nation.

If in the last century more than fiftypercent of Russian families had more than one child, now couples, as a rule, stop in the extension of the family on one daughter or only son. This is mainly because the standard of living of a modern citizen of the Russian Federation leaves much to be desired.

One form of material stateSupport for all families in which the second, third and next child is born is maternal capital. The main purpose of introducing this measure is to stimulate families to give birth to children, and, consequently, to increase demography. Maternal capital as a form of state. support was introduced from January 1, 2007.

To receive material means of this nature from the state to the hands illegally, cashing in of the parent capital is impossible by law.

The purposes for which this amount can be spent are as follows:

1. Repayment of mortgage.
2. Repair of a residential building, where it is planned to increase its living space.
3. Construction of a new private house.
4. Share building.
5. Teaching a child.
6. The maintenance of the child in the state preschool educational institution.
7. Accumulations for the future retirement of the mother of the child.

Unfortunately, the family support system of this kindfar from perfect. Many disadvantaged families are considering the issue of the birth of a child as a means of obtaining money. And then they try to cash out maternity capital by any means with the aim of spending money on their own needs, without taking into account the interests of the child. Schemes of misconduct are very diverse. Here's one of them.

Illegal cashing out of the parent capital through the bank:

1. To issue a bank loan for the purchase of a share of housing. And the share must necessarily belong to the relative of the mother / father.
2. To issue a contract of sale and purchase, to obtain the right of ownership.
3. To divide the share of new immovable property between children and parents.
4. In a month, the funds will be transferred to the bank account.

Agree that, for example, the grandmother does not harmwill give an amount for buying a room from her own children. And then it's up to them what to buy: a new car or a ticket to the sea. By the way, the division of the share of housing does not occur immediately, and at the time of the procedure described above, the mother is only a notarial obligation. And there is still no such body that would monitor the fulfillment of this obligation in the future. This is one of the algorithms of illegal activity, as a result of which the maternity capital is cashed.

Use this amount for educational,Pension or construction purposes are legally possible only three years after the appearance of the baby. The only purpose that gives the right to use a certificate earlier than this period is repayment of a mortgage loan. It is quite logical that the "gray" scheme, which allows for the cashing out of the parent capital, is a mortgage. There are such non-state banks that provide mortgages for maternity capital.

Every year the state tries to improve the program and close loopholes of this kind.

And at the moment I want to hope forthe consciousness of parents who must understand that the maternity capital, which is cashed out illegally, according to the state, violates, first of all, the interests of children.