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This is not the first time that the question of whether the mother’s capital can be used to buy a car has been considered. Last week it became known that the document, initiated by the head of the State Duma Committee on Family, Women and Children, Nina Ostanina, has been placed in the electronic database of the House of Representatives.
Associate Professor of the Department of State and Municipal Finance of the PRUE GV Plekhanov, Master of Law Meri Valishvili, believes that it is completely unprofitable to dispose of maternity capital in this way.
*This material was created by a person who has the status of a foreign agent in the Russian Federation.
“Maintenance of a car involves fixed costs (scheduled maintenance, insurance, fuel). The level of such expenses increases every year, which can potentially bring the family into material difficulties due to the imbalance of the family budget,” she explains.
The expert also pointed out that the cost of a car drops by 10-15% when it leaves the dealership, and then by another 5-10% annually. In this regard, it is not worth considering the car as a profitable purchase.
According to its parameters, the car does not fall under the criterion of an asset, but entails an increase in cost. And the family capital program is primarily aimed at solving the vital problems of families with children, as well as acquiring assets that grow in value, such as real estate, Valishvili concluded.
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Source: Secrets of the Stars