How to get housing for a single mother

Raising children for one woman is a difficult task and a huge responsibility. The issue of housing is difficult to resolve; purchasing it or improving living conditions is not always possible.

How to get housing for a single mother, and what are the nuances of housing programs, we will consider further.

Establishing status

This legal status is established for women who give birth to children out of wedlock.

Information about the father is recorded in the certificate based on information from the mother. Provided that the father of the child is unknown or does not recognize paternity, the woman has the right to have this status. In this case, the woman must not be married and more than 300 days must pass after the divorce until the birth of the child.

A single mother is the mother of a child whose father has not been identified by the court, based on evidence, especially the results of DNA testing, that is, there is no judicial determination on this issue. It is also given to a mother who has adopted a child and is not married. This allows you to count on benefits from the state.

The registry office, when registering the birth of a baby, issues a certificate of form 25. It is she who confirms the status of a single mother in order to receive benefits and benefits from the state.

To obtain the status of a low-income single mother you will need:

• certificate in form 2NDFL or other document on the income of all family members;
• information about family composition;
• the applicant’s passport and children’s birth certificates;
• personal bank account.

Attention! Salary data is taken from the last place of employment. Original documents are supplemented by copies. The amount of total family income should not exceed the subsistence level established in the region for each family member.

A special commission will review the package of documents, and within 10 days the result will be reported and the status of a low-income single mother will be assigned.

Availability of advantages

Single mothers are not entitled to free housing. They can be used if a woman belongs to low-income or large families, subject to the need for improved housing conditions in accordance with the legislation of the Russian Federation.

Help is available in other directions. The solution to this issue is left to the local authorities.

There are various options for benefits for single mothers:

• projects to assist families with the status of young, low-income families;
• being on the general waiting list for an apartment due to the need for improved living conditions;
• the use of mortgage programs with additional assistance from the state or bank that services the loan.

The local administration informs about housing programs for single mothers.

She enjoys the right to acquire it through a general sequence. You can implement it by collecting the required list of documents and submitting it for consideration by the housing commission at the administration at your place of residence.

The list includes:

• statement;
• identification document;
• a document confirming the right to a preferential queue (if any, for example, a decision of an authorized body to recognize the occupied residential premises in the prescribed manner as unfit for habitation and not subject to repair and reconstruction);
• a certificate confirming the fact of the child’s birth;
• documents on income and property;
• registration information for all family members;
• documents confirming the types and amount of income of all family members;
• other documents confirming the right of the family to register as one in need of improved housing conditions.

Attention! Additional documents may be required in different regions.

When a woman gets married, information about her husband’s income and property is added to the list of documents.

These documents provide grounds for recognizing a family as in need of improved housing conditions and provide the right to receive housing under a social rental agreement or, if participating in a subsidy program, to receive funds for the purchase of housing. Depending on the program, a housing subsidy will help cover 10-35% of the cost of housing.

After reviewing the documents, the Housing Commission will need a month to send a written message about the decision to register a single mother for housing.

Important! Documents must be updated annually for submission to the housing commission. Proof of being in a marital relationship will be required.

The right to receive social housing on a preferential basis arises if:

• the mother or child has a severe form of chronic disease that creates a risk for people living with them;
• The property has fallen into disrepair and cannot be repaired or reconstructed.

Housing programs for single mothers 

Some regions, covering partial loan costs, provide apartments from developers involved in the construction of budget housing. Social mortgage programs operate in many cities.

Housing program

The social program “Housing”, the subprogram “Young Family” allows single mothers to realize their right to housing. To take part you must:

• be no older than 35 years old;
• be placed on a waiting list to receive or improve living space;
• have solvency.

Single mothers whose expenses for housing and utilities exceed the norm established in the region will be compensated for the specified payments. To assign a benefit, you should contact the territorial department of social protection to assign subsidies for housing and communal services.

Download for viewing and printing:

Decree of the Government of the Russian Federation of December 17, 2010 No. 1050 Moscow “On the federal target program “Housing”

Attention! If you earn enough money, rent is not paid, and there is also no compensation for low-income mothers who are not registered.

Mortgage

The next way is to obtain a housing loan under a preferential program.

A single mother may have:

• subsidy for payment of the first installment;
• state assistance in interest payments;
• financial compensation or partial loan repayment;
• easier lending conditions.

Bank offers

Social mortgages are offered by banks. For example, Sberbank has a “Young Family” program.

Banks can:

• grant a deferment on loan repayment for three years;
• reduce the interest rate;
• Additionally, relatives can be involved as borrowers.

Negative aspects of housing programs

The lender does not give concessions; it is important for him that payments are made on time. The client's social status is not particularly important.

With a low income, a single mother will not receive a loan. To provide a mortgage, the bank will have to offer real estate or other valuable property as collateral.

Disadvantages of participating in mortgage programs:

• very strict conditions for participation in preferential mortgage programs;
• limiting the maximum loan amount due to the borrower’s low income;
• Under some preferential mortgage programs, it is impossible to purchase secondary housing.

Use of maternity capital

A single mother can use maternity capital to purchase housing. These products are used when a child is 3 years old. Until a child turns three years old, maternity capital funds can only be spent through a loan/mortgage. When making a purchase, a woman also registers an apartment (house) for her children.

In some regions of the country there are programs providing regional maternity capital. As a rule, it is less than the federal one, but it can also be used to solve the housing problem.

Recently, regulations regarding single mothers have been revised. Some rules have been canceled completely or partially; there are differences in this issue in regions.

• Dear readers!
• We describe typical ways to resolve legal issues, but each case is unique and requires individual legal assistance.
• To quickly resolve your problem, we recommend contacting qualified lawyers on our website.

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Video about how a single mother received social housing.

What programs exist to provide preferential housing in Russia for single mothers: rules for getting on the waiting list and receiving housing

State programs: features and nuances. How can I get an apartment? What benefits are there? How soon can I get housing?

Can a single mother get an apartment from the state?

In modern Russia, single-parent families are common. Women raise a child or even several children alone. They work and take care of the baby at the same time. Due to the difficult situation, the category needs government support. Today, the government has developed many programs that help single mothers get housing.

Are apartments given to single mothers: are they entitled to free provision?

Before moving on to the issue of obtaining housing, it is necessary to understand: “Who is a single mother?”:

• a woman who gave birth to a child (children) outside of official marriage;
• a woman who gave birth to a child (children) more than 300 days after the divorce in the registry office;
• a woman whose child(ren) does not officially have a father, since paternity has not been recognized.

Since this category is very vulnerable compared to others, single mothers are entitled to certain benefits, including those related to obtaining their own housing.

However, being a single mother is not an advantage. To obtain an apartment, you must additionally belong to one more category of citizens:

• the poor;
• with poor living conditions.

If a woman belongs to two categories, she has the right to apply for participation in various programs or to get on the waiting list for housing on a general basis.

Housing programs

In order to support citizens, the government is developing a large number of programs. For example, the “Young Family” program.

The main goal of the project is to help in purchasing your own real estate at a lower cost. The state issues a subsidy, which is necessary to cover part of the mortgage debt. The subsidy reaches up to 40% of the cost of housing. To participate, a citizen must be under 35 years of age, stand in line for housing, and be solvent.

The government offers other benefits as well. For example, compensation for the amount that a low-income family will pay for rent while waiting for an apartment.

Benefits are provided when lending: compensation for the first installment, assistance in paying monthly fees, more favorable conditions.

The state also offers subsidies for certain segments of the population. To do this, you must additionally have the status of needing improved housing conditions. A woman should:

1. Do not own living space.
2. Be registered in an apartment (private house) where the area of ​​more than one person is too small.

If the parent meets the above criteria, a subsidy is issued. The subsidy amount is calculated depending on the price per 1 sq. m. in a certain region.

Improving living conditions: is it required by the state?

The state undertakes to improve living conditions. This happens by moving to a new apartment or private house. Improving living conditions is applied in 3 cases:

1. When living in dilapidated (in other cases unsafe) housing.
2. If the area of ​​the apartment (house) is too small for 1 person.
3. For health. For example, it is more convenient for citizens with disabilities to live on the lower floors.

If a mother is found to be in need, she will be put on a waiting list for improved housing conditions.

Can a single mother get an apartment from the state, and what is needed for this?

By law, a single mother, along with other categories in need of support, has the right to receive an apartment. Each case is individual.

This opportunity is not provided in all regions of Russia.

This benefit is not available in:

• St. Petersburg;
• Novosibirsk;
• Moscow and Moscow region;
• Krasnodar region.

These regions offer preferential mortgages and other opportunities. In the Voronezh, Belgorod and Rostov regions, it is possible to receive assistance in building a house. The woman is compensated for the cost of construction materials, the cost of unloading trucks and assembling furniture.

In other regions of the Russian Federation, obtaining an apartment is possible. As a rule, the administration does not have enough real estate to meet demand. The time spent in line will drag on for a long time.

Provision of documents

To receive an apartment and benefits, a woman must confirm her status as a single mother. For this you need a certificate of form No. 25.

Read also: Pre-retirement status: at what age, benefits, what it gives, through government services

Once the status is received, you need to collect the following package of documents:

• passport;
• certificate (which confirms the status of a single mother);
• child's birth certificate;
• a certificate confirming income;
• certificate of registration at the place of residence (for the last ten years);
• certificate of inspection of the apartment by an expert.

How to get on the waiting list for housing

The whole process can be divided into several stages. Step-by-step instructions “How to get on the waiting list for social housing?”:

1. Confirm your single mother status by presenting a certificate.
2. Confirm the status of those in need (for example, the status of a low-income family).
3. Submit the required package of documents to the local administration. Experts will pay special attention to the income level and living conditions of a single-parent family.
4. Receive a home assessment report (if available).
5. Find out the result.

Deadlines for receiving benefits

Having submitted the necessary package of documents to the local administration, you must wait 1 month for the result. Next, the single mother must be provided with the result of the case. If the decision is positive, the woman will be given a special certificate. It will give you the opportunity to enjoy various benefits.

The entire procedure for obtaining an apartment is quite long. The deadline for receipt is not fixed by law. The fastest way to get a mortgage is on preferential terms or take advantage of the “Young Family” program for single mothers.

How to get an apartment from the state: tips

In 2020, you can get an apartment from the state using several methods:

1. According to the “Young Family” program. A single mother is eligible to receive a subsidy. Prices may vary in different regions. The subsidy can be spent when purchasing an apartment (house), as well as when purchasing on credit.
2. According to the “Young Family” program. The state can provide assistance in repaying the advance payment on the loan if the family is single-parent
3. Under the Maternity Capital program. A woman with two or more children is entitled to receive a certificate for a certain amount. The certificate can be used when purchasing real estate or building a private house.
4. Using preferential mortgage programs. Banks offer reduced interest rates and longer loan repayment periods.

Experts advise not to delay obtaining single mother status. It is worth submitting documents before the child reaches 3 years of age. It's best to start doing paperwork almost immediately after the baby is born. This way you can significantly save time in line.

Since many citizens of the Russian Federation do not have sufficient knowledge to resolve such a difficult issue, lawyers recommend using the services of a competent specialist. Consulting with a professional before completing the paperwork is the right decision.

After submitting documents to the local administration, you need to independently find out the status of the application. To do this, you can make a call or come to the appropriate institution. If various difficulties arise, this approach will help to quickly solve the problem.

How can a single mother get an apartment from the state?

It is quite difficult for a single mother to raise children alone. If there are problems with living in Russia, they can be solved by providing state support and various housing programs. Let's look at how a single mother can get an apartment if she has a low income, has received low-income status, does not have her own home, or needs improved living conditions.

Who can be a single mother?

In accordance with the requirements of the law, a single mother is considered to be a woman who has given birth to a baby and is not legally married. In the birth certificate of this child, a dash is entered in the data column about the father, or information is entered from the words of the mother.

IMPORTANT! Women who are not only not in an official marital relationship have the right to expect to receive this legal status, but also when the father has not been determined by a court decision or the possible father has not received an application for recognition of paternity.

In this case, a single mother can be a woman who has gone through the adoption procedure. The mother will be able to obtain this status after submitting the necessary documentation to the relevant authorities.

To do this you need:

1. At the registry office, obtain a certificate of form 25, indicating the birth of the child.
2. It is necessary to present the specified certificate, certificate, and passport of the applicant to the social protection department and fill out an application in the prescribed form. In addition, you will need to provide information about income and family composition, an extract from your personal account and house register.
3. The documentation will be reviewed by a special commission and a decision will be made on the merits of the appeal.
4. The results are communicated to the applicant no later than 30 days. If a positive verdict is made, the woman who applies is given an appropriate certificate. From this date, she has the right to enjoy the benefits provided for such a social group.

Conditions for mothers to obtain housing

The opportunity to improve living conditions for single women is established by the RF Housing Code, the RF Tax Code and the Resolutions of the RF Government. Let's figure out whether a single mother can get an apartment for free.

State entities have the right to adopt regulations regulating the procedure for obtaining housing from the state, as well as establishing housing rights for single mothers who meet certain criteria.

For example, in addition to a woman’s social status:

• You must not have your own residential property. The exception is housing space that is recognized by the social welfare service as being in unsatisfactory condition and unsuitable for living, and an inspection report has been drawn up regarding this.
• There must be a low regular income that would qualify the mother as low income.

If a single mother meets any requirement, she has the right to initiate her inclusion in the waiting list as someone in need of an apartment.

How to get an apartment: step-by-step instructions

Registration process:

1. Preparation of the required documentation.
2. Formation of an application and sending it for registration to the social protection department at the place of residence. The necessary documents are attached to it. The applicant's income level and living conditions are subject to verification.
3. Making a decision to allocate an apartment to a single mother or to refuse. If a positive verdict is made, the applicant is included in the queue for the provision of living space.

ATTENTION! You must first obtain the status of a single mother according to the instructions above.

List of required documents

The list of required documentation is established by current regulations and includes:

• passport of the citizen of the Russian Federation of the applicant;
• a certificate confirming the received social status;
• application for registration;
• certificates of birth of all children of the family;
• information about the income and real estate of a single mother;
• reference data on places of registration for the previous 10 years;
• in some cases, you will need a set of certificates about the income of single family members living with the mother.

Municipal authorities have the right to expand the list of required papers.

Adviсe

Below we offer some tips that will speed up the receipt of the necessary papers.

1. Their preparation should begin as early as possible, since considerable effort will have to be spent to confirm the social status of a single mother, and in the future - in need of housing.
2. Before starting the process, it is worth getting legal advice from a specialist, which will help you avoid making mistakes that prevent you from registering an apartment. You can ask for help at any time from a lawyer on our portal.
3. After submitting documents, you need to check from time to time the progress of the case or the progress of the queue. If a problem situation is identified, it must be corrected promptly.

Government programs

Let's find out whether a single mother is entitled to living space from the state. Currently, there are no programs developed for mothers, participation in which gives the right to purchase apartments. But this is possible in other projects that provide for the provision of residential facilities to other categories of citizens.

Young Family Program

A single mother is an incomplete family, so she has the right to use state support as part of the “Young Family” mortgage offer. You need to register at your place of residence if:

• small living space;
• the apartment does not meet sanitary and technical standards;
• lack of other accommodation options;
• serious illness of a minor or another person living in the common property.

This program provides a financial subsidy of up to 40%, with which you can purchase housing or put money into a mortgage.

Let's find out how to buy an apartment for a single mother. Women under 35 years of age who have at least one child can participate in the program.

List of documents:

• passport of a citizen of the Russian Federation;
• income certificate 2 – personal income tax, SNILS, INN;
• papers certifying the need to improve the standard of living;
• certificate of birth of children;
• documents for purchased housing for a single mother.

The implementation of the program is carried out by local administration or social protection authorities.

Housing program

Under this program, a single mother can receive cash assistance from the local budget in the amount of up to 35%, which can be used to purchase a new home or mortgage payments. This is a basic program, and “Young Family” is its structural subsection.

Let's find out whether a single mother can get an apartment by participating in this program. The following requirements will need to be met:

• the mother's age should not exceed 35 years;
• it must be registered for the acquisition or improvement of living space;
• be able to meet financial obligations.

If a single mother lives in social housing, the state can compensate for rent while she is on the waiting list. Compensation can be of different types:

• Full refund of fees for a specified period. Provided to a single mother with 3 children. She receives 100% compensation, but not more than 6,400 rubles.
• Part of the payment for a long period. If there are 2 children in a family, up to 70% of the rent can be reimbursed, but not more than 4,400 rubles, one - up to 50%, but not more than 3,200 rubles.
• Free provision of an apartment from a communal or municipal fund.

Cash assistance is not provided if the rental agreement was concluded with an immediate relative, for example, a brother/sister or grandparent.

Regional programs

The provision of housing to single mothers directly depends on the region of their residence.

For example, they do not provide apartments in St. Petersburg, Moscow and the corresponding regions, Krasnodar Territory and Novosibirsk.

Instead of getting an apartment, a single mother is offered to take advantage of a mortgage loan at preferential rates. In addition, benefits may be issued in Moscow to pay for an apartment.

Providing support in the construction of an individual house is offered in the Voronezh, Belgorod and Rostov regions. In other regions it is possible to obtain residential real estate, but you need to be prepared for a long wait.

In fact, there is an alternative to getting a free apartment, and this opportunity will depend on filling the local budget, which cannot always cope with such financial burdens. Before starting the procedure, it is better to contact municipal structures, where they will help with explanations of how to get housing for a single mother, and possible ways to eliminate the problem.

Preferential mortgage for single mothers

The state does not provide benefits for the purchase of housing using mortgage funds by single mothers. But there is various state support for young families. Often a mortgage becomes the only way for a mother to resolve the issue of obtaining housing, so lending institutions finance them.

Read also: Grandmother on sick leave with grandchildren: how to pay, documents

Currently, a single mother can qualify for the following types of preferential mortgages:

But there are certain restrictions. The main thing concerns age. The mother has the right to purchase housing using loan funds if she is under 35 years of age. The support program makes it possible to help you buy an apartment profitably with a reduced loan rate. In addition, she may be given a deferred payment or an increased loan repayment period upon the birth of other children.

Although the state does not provide specific concessions when purchasing housing for a single mother with many children, all benefits can be issued within the framework of general programs for young families, or they are government subsidies, etc.

The conditions for obtaining mortgage funds are the same as for a full family. It is better to apply for a loan to several banking institutions at once, since some lenders do not want to cooperate with such clients.

Read more about preferential mortgages for single mothers and large families.

When studying the issue of how a single mother can get an apartment from the state, it is possible to determine ways to solve it. Before you take action, you need to carefully study the existing options in a particular region.

How can a single mother get housing from the state?

The times when having a child out of wedlock was frowned upon by society are long gone. Women often consciously decide to raise children on their own, sometimes this is a forced measure.

In any case, questions arise about finding resources to create appropriate living conditions for the child.

We will tell you how to get housing for a single mother and what documents may be required in this article.

Who is recognized as a single mother?

The legislation does not contain a strict definition of the concept of a single mother. When resolving the issue, the following is taken into account:

• the baby was born outside of an officially registered marriage;
• the birth occurred after the divorce (after 300 days);
• the registry office did not establish paternity upon mutual declaration of the parents;
• no one is recognized as the father in the courts upon the mother’s claim;
• the court proved that the man indicated as the baby’s father in the documents is not such.

A woman will not be recognized as a single mother in cases:

• filing a divorce from your spouse. It is assumed that the man pays child support;
• death or recognition of the husband as missing, since in this situation a pension is assigned in the event of the loss of a breadwinner.

In the entry on the birth certificate and certificate, information about the father is indicated based on the mother’s information or a dash is added.

The registry office will provide such a mother with a Form 25 certificate, confirming the woman’s position as a single mother. The document is issued by the same service department where the child’s birth certificate was issued.

How can a single mother obtain status?

Women raising children without a father have the right to enjoy social benefits and guarantees that allow them to improve their financial situation and create decent living conditions for the child.

To use them, you need to formalize the appropriate status and register with social services. You can also submit an application to multifunctional centers at your place of residence.

You must prepare the following documents in advance:

1. passport or other personal identification document;
2. baby's birth certificate;
3. certificate of the 25th form, which is mentioned above;
4. a document from the HOA, management company, or other housing office about the composition of the family, persons living together;
5. about labor activity (copy of work book, certificates of organizations);
6. information about income for 6 months.

If all documents are in order and correctly completed, then the single parent will be registered to receive social guarantees.

What rights and guarantees are established

The federal government has transferred the authority to determine the main volume of social support measures, including payments to this category of recipients, to the local level.

The laws of the Russian Federation establish benefits for working single mothers, as well as an increased tax deduction.

Rights under the Labor Code Prohibition:

• to be hired to work at night (when the child is under 5 years old);
• on business trips;
• establishment of working days on weekends and overtime work for mothers with children under 3 years old;
• for dismissal on the initiative of the administration of a single mother (child under 14 years old)

The right to part-time work and additional leave, which is not subject to pay (teenagers under 14 years old);

Social support measures for taxes According to the Tax Code of the Russian Federation (Article 218), all employees receive a deduction from personal income tax for a child. For single mothers, this amount doubles. Thus, part of the earnings is kept in the family.

Until 2008, there was a government document (resolution) according to which single parents were given a place in kindergarten out of turn. Today these norms do not work, and the corresponding guarantees depend on the place of residence of the family. To find out about your rights, you should contact your district (city) education authorities.

Is it possible for a single mother to get housing?

Unfortunately, the prevailing opinion in society that the state is obliged to provide housing for a woman raising a child alone has no basis.

Methods for improving living conditions for single-parent families differ little from those established for other categories of the population:

1. One of the options is to register as someone in need of housing and, one by one, get an apartment on social rent.
2. Choose one of the state housing programs to join it and receive a subsidy.
3. Purchasing real estate using credit (borrowed funds).

Each of the mechanisms for purchasing housing has its own characteristics and limitations, which we will analyze separately.

What does the law guarantee?

The full list of conditions for recognition of a single mother in need of housing is prescribed in the Housing Code of the Russian Federation (Article 51).

The main rule is recognition of the family as low-income. It will be considered as such if the income per person is below the subsistence level accepted in the region of residence.

In addition, you can apply for housing on social rental terms in Russia if there are such factors as:

• The applicant and his family members are not the owners of the property. In addition, he does not use any type of social rented property;
• The area occupied by a mother and child is below the established norm, which is called accounting. This norm is set by the municipality and is very different in different cities;
• The condition of the place to live violates sanitary and hygienic standards. This could be darkness, dampness, mold, excessive noise levels, emergency conditions, threat of fire, etc. The necessary conclusion can be given by Rospotrebnadzor, fire inspection, health authorities, etc.

Important! When calculating the standard of housing provision, all living quarters available to the applicant are taken into account.

In addition, single mothers are required to register their family for housing if the family has a person suffering from a serious illness included in a special government list. Among them:

• Tuberculosis;
• Oncological diseases;
• Mental disorders.

Registration of the needs of citizens who fall under all of the above conditions is carried out by local government bodies.

To apply, you should prepare the following documents in advance:

• document on classification as low-income (issued by social security);
• certificates for each family member confirming the relationship of birth, marriage, adoption document, etc.;
• an extract from Rosreestr stating that the applicant does not own any residential premises;
• certificate of family composition from the housing department;
• an extract from the technical passport of the BTI with a floor plan (if available) and an explanation.

Depending on the region, other documents may be required. If we are talking about the presence of a seriously ill person in the family, then a medical report is provided.

It is advisable to bring the listed documents in the original, having copies of them with you. After the comparison, the administration employee will return the originals to the applicant.

Register the second copy of the application so that if it is lost, you will have proof of its provision.

Important! If it is determined that a person, 5 years before applying to be placed on the waiting list, deliberately worsened his living conditions, he will be denied. Of course, the birth of a child does not apply to such circumstances!

Target programs

If, on formal grounds, a single mother does not have the right to receive housing from the state under the Housing Code, or if it is not possible to wait in line for several years, then it is advisable to try to take part in targeted programs.

Single mothers are included in the circle of persons entitled to housing under the Young Family program . To enter the program you must meet a number of conditions:

• the applicant's age is not older than 35 years;
• Russian citizenship for both mother and child;
• need for improved housing conditions - an apartment is less than the accounting norm, living with a sick person, violation of sanitary and epidemiological requirements.

A woman must have an income that will allow her to pay for borrowed (credit) funds, since the state in this case will issue a subsidy in the amount of up to 35% of the cost of housing. In addition, you will have to pay the down payment for the property yourself.

The municipality makes a decision on whether the mother is allowed to participate in the program within 10 days after the application. For another month, all submitted documents are checked, and a verdict is issued on the issuance of a subsidy or refusal to provide it.

Important! exercise your right to purchase an apartment within the framework of the “Young Family” only from the beginning of the year following the year the decision was made. So we'll have to wait.

Another program is “Housing for the Russian Family” . Its essence lies in the construction of economy-class houses of small area and cost in the regions. This program provides a preferential mortgage interest rate, but there are no more lenient conditions for single mothers.

Mortgage

Bank loans for the purchase of housing on preferential terms are characterized by a small number of documents required to provide. In this case, the requirements are mandatory. Typically this is:

• age up to 35 years (mostly);
• presence of registration at the place of residence in the place where the apartment was purchased and the location of the bank;
• income exceeding at least twice the monthly loan payment;
• having an official job on a permanent basis.

These are all ways to get your own housing for a single mother, and which one to use, everyone chooses independently based on the available opportunities.

Source: https://glavny-yurist.ru/kak-poluchit-zhile-materi-odinochke.html

How to get housing for single mothers - from the state, Russia, large families

In Russia, mothers who raise their children on their own are considered one of the least socially protected groups.

At the same time, they are responsible not only for caring for the child, but also for providing financial support for the baby. And not all mothers have the opportunity to fully cover the costs associated with the child.

But the housing problem in the country affects such families most acutely. Given the lack of funds for renting square meters, many mothers are wondering how single mothers can get housing in 2020. And it is worth noting that this procedure is not easy to carry out.

General information

Providing a single mother with housing is not a priority task of the state.

Since there are different categories of citizens in the country who have more rights to receive free square meters for living.

In this regard, the state is implementing a set of supporting measures. It could be:

Subsidizing housing costs Or providing simpler and more accessible credit programs Providing social housing With the possibility of further privatization of these residential premises Providing housing on a first-come, first-served basis -

It is necessary to understand that a single mother has less chance of obtaining housing than less wealthy and socially vulnerable segments of the population.

Therefore, first, the mother needs to obtain official status and calculate how much competition there is in a particular region for housing under government programs.

Necessary concepts

Single mother A woman who gave birth to a child out of wedlock and did not include his father in the baby’s birth document, or the second parent was indicated only according to the mother’s words. In this case, the woman is recognized as a single mother. Mother of many children. This is a status that can be obtained by a woman who is raising three or more children. The state provides her with a set of guarantees and benefits in social terms. Benefits These are privileges and guarantees from the state that are provided to socially vulnerable segments of the population in the country. Among them are single mothers and large families. Housing program These are state benefits that imply the provision of residential real estate to certain categories of citizens on a competitive basis. Disabled child This is a person who has not yet turned 18 years old, who has disorders in health functions of a physical or mental nature. At the same time, in order for the status to be within the framework of the law, it must be registered before the child reaches the age of majority.

Establishing status

In order for a woman to have the opportunity to obtain housing, she must first formalize her status. At the same time, the mother needs to understand that this area has its own nuances.

Only a woman who gave birth to a child outside of formalizing a relationship with a man, that is, outside of marriage, can obtain status.

In addition, the child should not have an officially recognized father - through DNA tests or established in court.

Thus, there must be an omission on the baby’s birth certificate, or the father was recorded in the document according to the mother’s words - without his presence or confirmation.

In this situation, one more feature should be taken into account. The fact is that the woman who adopted a child can also obtain the status of a single mother.

Moreover, at the time of adoption she must not be in an officially registered marriage.

In order to obtain official status, the mother must complete the following actions:

During the registration of the child and his documents at the registry office, you should ask to issue a certificate. It must be drawn up in form 25. Next, you need to visit the department of social protection of the population with this certificate and other documents. In this case, you should contact the territorial body at your place of residence. After the social protection officer accepts the papers, you will need to write an application for obtaining the status of a single mother.

After the documents are reviewed by a separate commission, a decision will be made on granting status. If everything is in order with the papers, then there will be no problems with obtaining the status.

It is also worth considering here that if a woman gets married after registering her status, she can retain her status. But only in the case when the new husband did not adopt the child.

What regulations governs

A single mother can obtain her status on the basis of the Family Code of the Russian Federation. According to Article 51, the concept of a single mother is established.

The list of benefits for such a mother is also established at the level of the Labor Code of the Russian Federation. Thus, an employer cannot fire a single mother until the child turns 14 years old. This is stated in Article 261 of this regulatory legal act.

As for housing conditions directly, in accordance with the Housing Code of Russia, single mothers have the right to receive residential square meters on general terms.

At the same time, they must also formalize the status of a needy family - this is stated in Article 51.

Subsidies are provided in accordance with the target program in terms of Decree of the Government of the Russian Federation number 675. During this program, you can receive subsidies for the purchase of housing at your own expense.

How to get housing for single mothers in Russia

• There are several possibilities for obtaining housing for single mothers in the Russian Federation.
• As of 2020, all programs for the provision of square meters are under the jurisdiction of regional authorities and such issues are not resolved at the federal level.
• To obtain housing, a single mother needs to collect a package of documents and contact the local administration.

There, after reviewing all the papers, the woman will be put on a waiting list.

And at the first appearance of suitable housing, she will be invited to familiarize herself with it.

Terms of service

To obtain housing, the mother must go through a number of procedures and, most importantly, meet all the requirements.

So, for individual programs the conditions may differ, but a number of mandatory ones can be identified:

Age To receive subsidies, the mother must be no older than 35 years. Then she will be able to get a discount on the loan taken. Family status In this case, you should pay attention to the fact that the family of a single mother should be recognized as low-income. Only in this case can she qualify for housing benefits Own funds Before receiving a housing subsidy, a single mother always needs to confirm her income

Large family

In this case, mothers can apply for both the status of a large family and add benefits for the poor to it.

In this case, you can get housing through the following programs:

For low-income status Provided first priority General priority for apartments In case of poor living conditions Mortgage programs With the possibility of financing from the budget

In any of the options, the mother will need to provide a supporting package of documents and undergo a commission that will determine the possibility of providing assistance under one of these programs.

In this case, the mother will have to write an application for funding in accordance with any government support program.

For a disabled child

In this case, a single mother can apply for social housing from the state. But here it is worth understanding that the queue for such real estate is quite long.

And it is necessary to collect and submit documents in advance. It is recommended that registration be carried out before the child turns three years old.

It is necessary to understand that if the child has a disability, the mother has the right to receive housing under accelerated programs. And if you take out a mortgage, you can count on receiving priority benefits.

Getting a queue for real estate

To begin, the mother needs to collect a complete package of documents. Only on their basis is the possibility of applying for housing benefits considered.

Next, you need to submit an application and wait until all the documents are put in the queue. After all, they must first be examined by a commission for reliability.

It is necessary to understand that only after the application is accepted, a person is placed in a queue, and even in the case of having a priority right to receive real estate, it may take several years to overcome the queue.

In order to determine at what stage the application is, you can use the following methods:

• call the administration - the housing department;
• visit the administration yourself;
• If you have an online service, you can use the electronic queue.

But you need to remember that registration through an electronic queue is not possible in all cities of Russia. For example, Moscow has the appropriate resources for electronic services.

Where to go

Usually, a single mother needs to visit the administration of the locality at her place of residence. This body has a department for reviewing real estate issues.

But the department of social protection of the population can also deal with such issues. Although in this government organization it is necessary to obtain the status of a single mother or a low-income person.

And after that, you can apply for real estate assistance. The housing commission itself is responsible for reviewing the documentation. She registers the family and assigns a number in the waiting list for real estate.

Documents to be collected

When applying for housing benefits for a single mother, you need to collect a large package of documents. It may vary depending on the region.

But the standard package of papers consists of the following items:

• mother's passport document and children's birth certificates;
• a certificate issued to the mother confirming that she is raising the child alone;
• salary certificate for all family members;
• a document that confirms the value of the property - in the area of ​​those items that are taxed;
• a certificate of where the mother and child have lived for the last 10 years;
• an act in the established form stating the living conditions of the family - as of five years.

Housing programs from the state

There are several options for obtaining housing under government programs:

Housing In this case, registration is carried out for social housing. At the same time, the state pays for the waiting period Mortgage The state issues funds for the down payment, assistance with payments, compensation for paying part of the loan, reduced loan rates

Using such techniques, the state provides the opportunity to either expect to receive free housing from the government, or to compensate for part of the costs of the loan for it.

In accordance with how to get housing for a single mother in Moscow, these programs are carried out.

Advantages and disadvantages

Such programs from the state have their positive and negative sides.

So, the advantages include:

• housing affordability;
• the opportunity to obtain real estate for free;
• preferential opportunities for single mothers

As for the minuses, here they stand out:

• waiting time - the decision takes several years;
• possible refusal to provide housing

The mother's receipt of housing is ensured by the state. In this case, you can register both completely free real estate and receive benefits and compensation.

Attention!

• Due to frequent changes in legislation, information sometimes becomes outdated faster than we can update it on the website.
• All cases are very individual and depend on many factors. Basic information does not guarantee a solution to your specific problems.