Buying a car using maternity capital: opportunities, standards, experience

Is it possible to buy a car with maternity capital?

Bills are regularly submitted to the government for consideration, which offer the opportunity to use maternal capital to buy a car. This is due to the fact that many citizens need a vehicle, but cannot afford such a large purchase. But a law on buying a car with maternity capital has not yet been adopted at the federal level.

As before, maternity capital can only be used to purchase or build real estate, pay for children’s education, rehabilitate a disabled child, or increase a mother’s pension.

Officials who support the project argue that a car is not a luxury, but a must-have. The payment amount is enough to purchase a car, so you don’t have to take out a loan. The technique can be used to earn additional income, and experts also say that after the adoption of such changes, the number of certificate frauds will significantly decrease.

But the refusal to make such amendments is due to the following factors:

• When buying a car, parents satisfy their own needs, and not the desires and needs of their children;
• the car can be broken and destroyed, and there is also a possibility of it being stolen, so the family will lose the funds received;
• equipment becomes cheaper every year;
• if the car gets into an accident, the price of the property will drop sharply;
• scammers can leave a family without a car and money.

Therefore, only at the regional level, when issuing local maternity capital, do officials allow you to buy a car. But this is only possible in some regions of the Russian Federation.

It is also useful to read: How to apply for a loan for maternity capital

Buying a car using regional maternity capital

However, if in general there is no opportunity for residents of the country to purchase a car using maternity capital funds, in some regions this opportunity has still been practiced for some time, but maternity capital, from which funds can be spent in the areas of interest to us, will not be federal, but municipal or regional. To put it simply, we are talking about regional maternity capital - a program that is implemented in each Russian region on various conditions that are established by the local government apparatus.

Regional maternity capital can and should be spent on buying a car

The size of local maternity capital is much less significant than the federal payment, however, the possibilities of using the amount it provides are several times greater than that of family capital for everyone. Thus, the average payment to parents is about 150 thousand rubles. In some regions of our country, today you can purchase a car with this payment, for example, in the following regions of the country:

• Kamchatka;
• Kaliningradskaya;
• Ulyanovskaya;
• Orlovskaya;
• Mordovia;
• Nenets Autonomous Okrug;
• Novosibirsk.

  Article 6. Disposal of regional maternity capital funds (regional law No. 125)

By the way, in Kamchatka, for example, a certificate is issued even at the birth of the first child, and for families who give birth to several subsequent children, the government pays approximately 700 thousand rubles, which in total is equal to the cost of a good new car.

Remember that it is imperative to comply with the legal conditions for issuing a certificate!

At the same time, there are also other conditions that facilitate the procedure for using funds to purchase a car, namely:

• You can purchase a car six months after the child for whom the certificate was issued was born;
• funds can be transferred both to the account of an individual and to the account of a legal entity;
• You can take out a car on credit, then the funds will be used to pay off the debt.

Of course, not only the conditions listed above must be met in the case of permission to purchase transport using maternity capital funds at the regional level. So, sometimes even social workers visit the place where the children live, for whose birth the parents received capital, assess their viability, confirming or not confirming the need to improve living conditions, then determine whether the parents can spend the money on a car.

The areas on which regional maternity capital funds can be spent differ in the constituent entities of Russia

Table 3. Conditions for the use of regional maternity capital in different regions of the country

Step-by-step instructions for buying a car using regional maternity capital funds

Step No. 1. Selecting a car and searching for a seller

First of all, you will need to find the following:

• a seller who agrees to sell the car by receiving a non-cash money transfer from the regional budget;
• a machine that will meet your requirements.

To buy a car, you need to find a seller willing to transfer funds

The fact is that the transfer procedure requires special consent, since official structures, after you have concluded a certain agreement with the seller, will need time to verify the legal purity of the transaction. This may take about 2 months, which not every car owner will agree to wait for. When choosing a specific car, in order to obtain approval from government agencies, you need to choose an option that will meet the interests of the family, that is, it will turn out to be:

• roomy;
• multi-seat;
• medium power, etc.

After you find the seller and model, move on to the second step.

Step No. 2. Collecting documents and contacting the Pension Fund

The Pension Fund will decide whether to give you money or not, and you should go there after deciding to buy a car. Directly on the spot, you will have to write a statement containing a request to send the funds due to you for the purchase of transport. The application will need to be supported by the following documents:

• an agreement concluded with the car seller;
• vehicle passport;
• if you took out a loan, then also attach a car loan agreement;
• then add to the list a certificate received from the bank about the debt, which will also indicate the account to which the state will need to transfer the money;
• if the car is purchased in installments from an individual, then you also need to attach a certificate about the amount of your debt.

You can only register a car in your mother's name.

Registration of a car is possible only in the name of the child’s mother, although, according to the law, a car that will be purchased during marriage will be the direct property of both spouses.

Step No. 3. Owning a car

After all official issues have been resolved and funds have been transferred to the seller of the car, you will become the official owner of the car your family needs. Handle it carefully and remember that this benefit is designed to improve the lives of all members of your family.

Let's hope that the situation with maternity capital will change soon

Who can buy a car with capital?

Although each region has its own conditions for obtaining and using local capital, the general requirements are considered the same.

The following persons can receive funds to purchase a car:

• mother of the child;
• father, if the woman died or lost her rights to the children;
• guardians.

Usually, certain requirements are imposed on the car itself, so citizens have to choose only a domestically produced car. It is allowed to buy only a new car at a car dealership, and not from private individuals. You won’t be able to sell your car right away to get cash, so you’ll have to own it for at least 3 years. The car is registered as shared ownership, since initially the sum of money is intended to improve the lives of children, not parents.

Attention! In some regions, it is prohibited to use a local certificate to purchase a car if the family already has a car.

Arguments against the possibility of purchasing a vehicle with maternity capital

As you know, whenever there is someone “for”, there will definitely be someone who will be categorically “against”. Following this fair statement, we present negative arguments for buying a car with the mother’s capital:

• Many State Duma deputies believe that allowing the use of capital to purchase a car will immediately lead to serious abuses, both on the part of parents and on the part of the organizations lending to them. Therefore, to the question: “Is it possible to allow the use of mother’s money to buy a car?”, the majority of current deputies give a sharply negative answer.

• Officials claim that buying a car with maternity capital cannot serve the interests of the child, but serves only parental needs. While experts in the field of psychology strongly recommend not to separate the interests of children and parents, if only for the reason that responsible parents always act solely in the interests of their child. And accordingly, parents, having bought a vehicle with the mother’s capital, will use it for the comfort and convenience of their own children.

How to buy a car

If a family, after receiving local capital, decides to purchase a car, then the following steps are performed:

• select a car and a car dealership where the purchase will be made;
• the application and other documents are submitted to the social security worker;
• an inspection is carried out within a month;
• if the decision is positive, the money is transferred to the car dealership’s account;
• Parents, if necessary, add the required amount, after which they become the owners of the car.

If citizens sell their cars over the next three years, they will have to fully return the entire amount received from the regional budget.

Law on maternity capital for the purchase of a car

The basic law regulating the use of maternal capital is Federal Law No. 256 (December 29, 2006). Four articles of this law are devoted to options for implementing additional support for families with two or more children. The word “car” does not appear in this law at all. However, parents should pay attention to Article 11.1, which regulates the expenditure of family capital on the purchase of goods necessary for the rehabilitation and integration into society of disabled children.

In this case, a car can become a tool that parents cannot do without. In order to prove this to the Pension Fund, you need to submit documents stating that the child is disabled and needs a car to provide access to educational and other institutions. Since children are not provided with a special car for disabled people, a request to use maternal capital for such a purchase would be quite logical.

In all other cases, parents will have to follow regional standards. If a federal subject has expanded the list of types of additional assistance to families with two or more children through the purchase of a car, then you can submit an application for the purchase of a vehicle.

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What kind of car can you buy?

In many regions, it is allowed to purchase only a domestically produced car. Approximately 100 thousand rubles are provided for its purchase with the help of local maternity capital, so you have to invest your own funds. It is allowed to buy a car not only for cash, but also on credit.

When choosing a car and a car dealership, the following nuances are taken into account:

• only a new car is purchased, which is sold in car dealerships;
• a salon is selected whose management agrees to use the capital, since the money is transferred to the organization’s account within two months;
• Only domestically produced cars and mid-price cars are selected;
• If a car dealership sells used cars, then you can buy them, but their age should not exceed three years.

Reference! Not all car dealerships accept a certificate for regional capital, so only official dealers are selected who are willing to wait several months for the transfer of money from social security.

Strong arguments in favor of purchasing a car with maternity capital

Considering that the mother’s capital in 2021 is 453,000 rubles , let’s name these weighty arguments:

• The price of a car from the Russian automobile industry is virtually identical to the figure for maternity capital. Compared to an expensive apartment, on which you can spend capital, but not without an additional mortgage, a car is significantly cheaper.

• The family may already have its own quality living space. Transferring money to a non-profit pension fund is often risky because at the federal level, people's retirement savings have already been frozen for 365 days and then indefinitely.

• In the case where the child does not feel a desire to acquire new knowledge (there are many such cases), then spending the mother’s capital on the child’s education seems unreasonable for many families. This need may become relevant in the distant future, while the majority of ordinary Russian families need immediate satisfaction of their urgent demands and needs.

• Using a car, it is convenient to take your child to classes, kindergarten and clinic. By wisely spending the mother's capital, it becomes possible to purchase a class A car (small car) that is convenient for the city. Or a larger car with high wheels to make it easy to move around in the village: after all, more than 50% of families with a large number of children live in villages. For them, the opportunity to purchase a car with good cross-country ability is a great success and a direct necessity.

• In a short period of three years, from 2014 to 2021, the number of suburban railway routes in the Russian Federation has decreased. At the same time, buses run with long breaks and often outside of any schedule. Therefore, a huge number of Russian residents cannot receive a full education and timely medical care. The opportunity to buy a car with maternity capital will help them cope with these serious life problems.

• Most families living in the village can only contact the administrative (district) center with the help of personal transport. Purchasing domestic transport, especially for a regional family, is convenient for using it in Russian winter conditions and frequent off-road conditions.

Preparation of documents

If a family that has received regional maternity capital decides to purchase a car, then the car itself and the car dealership are selected for this purpose. After this, a package of documents for social protection is prepared.

The following documentation is required:

• applicant's passport;
• certificate for regional maternity capital;
• an agreement drawn up with the selected car dealership, which specifies the technical characteristics of the car;
• driver's license;
• details of the car dealership to which money for the car will be transferred.

If a car is purchased with borrowed funds, then additional documents are prepared for the bank, and a copy of the loan agreement and payment schedule are sent to social security.

After transferring the papers, you need to wait approximately 30 days, during which a decision is made on the possibility of issuing money to purchase a car. If there are no errors in the documents and a suitable car is selected, then the money is transferred to the car dealership’s account.

It is also useful to read: How to pay off a military mortgage with maternity capital

Citizens with the right to buy a car

The law provides a list of citizens who have the right to dispose of maternity capital for the purpose of purchasing a car. This is, of course, a woman - a mother who gave birth to her second and subsequent babies, if this happened after the first day of January 2007.

If the law is adopted and it acquires the status of a normative act, then in order to have the right to dispose of capital, the woman who gave birth will be required to collect documents and issue a certificate.

Here is a list of documents required for this:

• identification;
• background information and birth certificate of the child;
• provided that the woman is married - official evidence of this;
• provided that there was a divorce - official evidence of this;
• TIN and SNILS;
• application requesting a certificate.

In the case when the mother carries out her actions in accordance with the power of attorney, then, when applying to the pension fund, she will need to confirm her authority with a notarization for permission to represent the interests of the future holder of the certificate.

Keep in mind! Families who have adopted the second and subsequent children through the court have the right to receive capital.

Other family members (the child’s father) can also use the right to buy a car, but only if the child’s mother is unable to raise her child due to death or as a result of her losing the rights to raise him.

In which regions is it possible to buy a car?

Regional capital funds are issued in different cities of the country, but not all regions allow you to buy a car.

Important! You can obtain complete information about regional capital from your local administration.

Who can get the right to purchase a car

Purchasing a car using maternity capital is the legal right of many families living in a number of regions of Russia:

• Leningrad region.;
• Kamchatka;
• Kaliningrad region;
• Nenets Autonomous Okrug;
• Mordovia;
• Novosibirsk region;
• Oryol region;
• Smolensk region;
• Ulyanovsk region;
• Tula region

In these constituent entities of the Federation, local legislators met the needs of Russian families who feel the need to purchase a car, allowing them to use regional maternity capital to purchase a car. Funds for this are generated from municipal and regional budgets.

The main difference between regional capital is its smaller size and limited area of ​​operation. Each region independently determines specific implementation conditions and design requirements. Thanks to the local legislative authorities, families have a chance, albeit with a smaller amount of financial assistance (usually no more than 150 thousand rubles), to acquire a car for the whole family.

The first experience of buying a car using funds from the budget was obtained in Smolensk and then spread to other regions. Since local legislation is more flexible, you should check the current proposals for issuing a certificate at the time of application.

Regional laws take into account the special specifics of their territory, demographic, social and economic situation, responding more flexibly to the current needs of citizens. For example, in Kamchatka, you can spend 100 thousand rubles already at the birth of your first child, and at the birth of your third child, 300 thousand rubles are allocated, which allows you to get by with minimal investments when buying a new domestic car.

Conditions of receipt

Most territories practice a similar procedure for the sale of capital - with mandatory approval and direct participation of the Pension Fund. Regional maternity capital in most constituent entities of the Russian Federation does not exceed one hundred thousand rubles. However, for a family with two or more children, this financial support will clearly be useful.

The approval procedure requires the parents to contact the Pension Fund, which further regulates the purchase of a car. The specific list of documents and the sequence of steps must be clarified at the local administration at the family’s registration address. The conditions for the validity of maternity capital in certain regions of Russia must be found out at the local level:

1. Kamchatka. Conditions for provision: mother’s age 19-24 years, presence of a registered marriage. You can spend a hundred thousand capital on buying a car already a year and a half after the birth of your first child, and for a large family the amount of assistance increases to 300 thousand. You can buy a car yourself, using your own savings, or using borrowed money. Money from the budget is sent either to the lender or to the seller.
2. Kaliningrad region. Additional support is provided for families after the birth of their third child. The amount of capital is directly related to the number of children - for the 3rd or 4th child, 100 thousand rubles are allocated, if there are 5 or more children in the family, the capital will be 200 thousand. Separately, support is provided for the birth of triplets - the local budget allocates 1 million rubles. There is some restriction on per capita income - no more than 3.5 of the regional subsistence level, the duration of the program is from 1 year to 3 years of age of the child.
3. Ulyanovsk region. A clearer gradation has been established according to the number of children born - for the second baby, 50 thousand are allocated from the budget, for the 3rd the amount is doubled, for the 4th and then an additional 50 thousand are added in turn. The birth of the seventh baby will allow you to receive capital to buy a car in the amount of 700 thousand rubles. The right to use arises when the child reaches 1.5 years of age.
4. Oryol Region. Spouses who have given birth to a third child and beyond can raise funds from the regional budget for a car. There is a restriction on the duration of residence in the region - at least three years, with the obligatory registration of the status of “large family”. Assistance from the budget is subject to indexation and exceeded 100 thousand rubles. You must apply for a certificate before the child turns 1 year old, with further funds used to purchase a car.
5. Novosibirsk region. At the birth of a third child, the family gets the opportunity to use regional capital of 100 thousand rubles. To do this, you will need to live in the region for at least 3 years. Buying a car using funds from the budget becomes available after the child turns one and a half years old.
6. Tula region. Capital in the amount of 50 thousand rubles can be used to purchase a Russian-assembled vehicle. Tula families have a choice between a passenger car and a bus with an engine capacity of no more than 200 liters. With.
7. Leningrad region. The effect of the regional act is limited to the birth of babies until 2021 inclusive. The condition for receiving capital is the presence of three children who have not reached the age of majority, provided that they live together. However, 100 thousand rubles are compensated from the budget for the purchase of a car only if families have at least 5 children or a child with a disability. The right to purchase is valid after the child reaches 1.5 years of age.
8. Yakutia. According to local law 952-З N 803-IV, adopted in 2011, families can use 100 thousand rubles of family capital to purchase a car.
9. Perm region. The regional law on supporting families with three or more children is valid until mid-2021. The birth dates of babies are limited - up to 2015 inclusive. Families who have lived in a given subject of the Federation for at least 5 years have the right to a regional certificate. The law provides for the possibility of using funds in the amount of 100 thousand rubles to purchase a car.
10. Rostov region. A special feature of the sale of capital for the purchase of a car is the mandatory registration of the car in the name of the mother. The family must receive low-income status. The size of the family capital is 100 thousand rubles.

As can be seen from the information presented, despite the persistent reluctance to take into account the real needs of many families at the federal level, families can partially resolve financial issues related to the purchase of a car, guided by local legislation. We can only hope that the successful long-term experience of the regions will allow us to develop a number of measures to support families with children at the national level. Until the law is adopted, more benefits are provided to families with large or low-income status, and the amount of financial assistance in some cases is comparable to the cost of a budget car.

Requirements for cars purchased with mother's capital

It is prohibited to sell a car purchased with the mother’s capital in the first three years from the date of purchase. Money will be transferred to the seller's bank account exclusively in a non-cash form.

Keep in mind! At the federal and government level, an attractive initiative regarding timing was considered: it would actually be possible to buy a car without waiting until the baby turns three years old.

At the same time, despite the current lack of an approved regulatory act, the authors of the law propose a list of important conditions that must be observed:

• a personal car does not have to be a passenger car, but it must have a capacity of at least eight seats, not counting the driver;
• the car must be made in Russia;
• the car cannot be put up for resale immediately after the completion of the agreement for its purchase and sale;
• The car must be owned and at the same time divided into shares.

Agree that using the word “share” in relation to a car sounds unusual and strange, and can even cause serious debate regarding the use of these car shares. A personal car, according to civil law, is an indivisible movable property: it is in no way possible to allocate shares in actual nature from it, and without obvious harm to the object.

If a car is received into shared family ownership, questions may arise regarding its use: for example, between the child’s mother and father. If disputes arise, they will be resolved in court. In this case, the interested citizen will have to write a statement of claim to the court about the procedure for the use of common movable property.

This claim will be considered, first of all, taking into account the interests of children. For example, the court will make a decision on the right to drive a car: on even days of the week - by one spouse, and on odd days - by the other.

In any case, shared ownership of a vehicle is initially very conflicting and paradoxical.

Necessary steps to buy a car using maternity capital

We offer a clear algorithm of actions for purchasing a car:

• Step No. 1 : Select a seller and a car

The most important thing is to successfully choose a seller who is ready to sell the family a car through non-cash payment. This payment will take a certain period of time, since the state checks in great detail the legal purity of the car transaction and the status of the seller.

• Step No. 2 : Submission of the documentary package to the Pension Fund.

You must submit an application about your desire to purchase a car with maternity capital money. To do this, you should obtain a special certificate, and then proceed to obtain written permission from specialists to transfer funds when completing a sale transaction. Upon purchasing a car, PF employees must present a document confirming state registration with the State Traffic Inspectorate.

To receive money, you must present documents to the Pension Fund authorities, namely:

• Purchase and sale agreement for a car.
• Vehicle document (PTS).
• A credit agreement in the case where funds borrowed from the bank are paid for a car.
• A certificate from the bank with the obligatory designation of the account and confirmation of the debt: it is to this account that the maternity capital should be transferred.

It is possible to register a car by paying in installments. In this case, the car is registered in the name of the baby’s mother, and other family members (the child’s father and children) have the right to shared ownership of the car.

• Step No. 3 : Payment of money and use of the car

Almost all regions carry out a thorough check of a car before registering it for sale. At the same time, the conditions in which minors live are checked. And if this check reveals that the children are in vital need of improving the quality of their housing, then their parents will be denied a certificate for the purchase of a car.

Immediately after the transfer of money to the account of the car seller, the family is considered the owners of the purchased car.