Many families know about maternal capital only that it can be used as the initial contribution of the mortgage. The awareness of the certificate owners about other possible methods for the sale of funds are low.
We will tell that the state allows you to spend the means of maternal capital, including the opportunity to pay consumer credit to them.
In 2020, the Government of the Russian Federation decided that now not only families in which the second or subsequent child was born, starting from 2007, but also families with the only baby born from January 1, 2020 may be eligible for maternal capital .
483,881 ruble is put on those families in which the second child was born from 2007 to 2019. In addition, the same amount of payment is laid by families with one child born since 2020. Plus, you can additionally get 155,550 rubles, if the second child appeared in the same family.
The goals for which the maternity capital can be spent clearly stipulated in the law:
The answer to the main question of the article follows from the previous list of permissible goals for the implementation of maternal capital. As you can see, the consumer loan repayment is not included in the list of legislatively permitted actions with maternal capital.
Even if the consumer loan was issued for the purchase or construction of the house, it cannot be paid off with maternity capital — this is illegal and the Pension Fund will not approve this transaction.
Maternal capital is a strict target measure of state support. Attempts to cash out means fraudulently can lead to criminal punishment. The amount of responsibility will depend on many factors, so do not try to commit illegal fraud with a certificate.