They Said What Is Dangerous To Spend Maternity Capital On

They Said What Is Dangerous To Spend Maternity Capital On
They Said What Is Dangerous To Spend Maternity Capital On

Video: They Said What Is Dangerous To Spend Maternity Capital On

Video: They Said What Is Dangerous To Spend Maternity Capital On
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Experts talked about the dangers of spending maternity capital funds. In some cases, this can lead to a number of problems, according to PRIMPRESS.

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According to statistics, most often Russian families spend their maternity capital on the purchase of real estate. In 2018, 77% of families did this, according to the Pension Fund. Although, in general, these funds can also be spent on the education of the child or on the mother's future pension.

Olga Polubkova, a member of the Russian Bar Association, said that spending money on paying off part of the mortgage is fraught with unpleasant consequences.

“And finally, with maternity capital, you may not get a mortgage at all. The fact is that banks are more willing to lend to citizens with their own savings for a down payment. If borrowers only have maternity capital money, they are more often denied a mortgage. A financial organization needs to be confident in the borrower's solvency, otherwise it will be more difficult for it to sell an apartment, the share of which belongs to a minor child, "added Polubkova.

Currently, maternity capital is issued at the birth of the first child. For the first child, the size of the mother capital is 466 617 rubles, and at the birth of the third and subsequent children, the state gives the family 616 617 rubles.

Earlier it was reported that Russia is planning to change the rules for the disposal of maternity capital. Specialists want to give eligibility for this benefit to single fathers in some cases. The corresponding proposal has already been sent to the government by the ombudsman for human rights Tatyana Moskalkova.

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