Housing for a single mother: how to get it in 2020

If life has turned its back on a single mother, there is no need to be upset. One has only to remember the Soviet melodramatic feature film directed by Vladimir Menshov - “Moscow Doesn’t Believe in Tears.”

The main character of the film, Katerina (Vera Alentova), left alone with her child, managed to make life turn around: she received an education and housing, became an excellent specialist and built her own life.

Everyone will think that this is fiction, a fairy tale. But you don’t necessarily have to believe in a fairy tale, but you have to act, and then life will become like it.

How to get housing for a single mother in 2020

mother or child is disabled,
have a serious illness that poses a risk to people living with them,
the property fell into disrepair.

Advice! To speed up the queue, you should start collecting documents earlier (before the child is three years old). If you choose this option, you will have to wait a long time.

document that identifies a person;
document confirming status;
a certificate confirming the fact of the child’s birth;
documents on income and property subject to tax;
registration information (for 10 years);
document on inspection of residential premises (for 5 years).

Young family program 2020 single mother

Among additional benefits, these may be regional monthly payments to reimburse expenses (these are expenses to increase the cost of living); to compensate for expenses associated with increased prices for basic food products purchased for the child, and other payments and benefits.

Hello. I am a single mother, I joined the queue for the “Young Family” program in 2012 (Me and 1 child are participants), 4 people are registered in the apartment, at that time the apartment was not privatized. In 2013 it was privatized for 3, the child participated automatically, but I refused privatization. Tell me, will this affect obtaining a certificate?

Young family single mother

Remote expert consultations significantly save applicants’ time and effort, and also guarantee the efficiency of solving assigned tasks. Obtaining housing for a single mother in 2020 Single mothers can obtain the right to housing from the state only after confirming their status with the social protection authorities.

Unfortunately, there are currently no separate programs for this category of clients, so you can’t count on any special benefits. However, you can use the “Young Family” program if you meet the age requirements. There are many government programs “Affordable Housing for Young Families”: each region has its own benefits, conditions and requirements.

Step-by-step instructions for receiving subsidies

First, you need to obtain the status of “poor”, which is assigned by the social protection authority.
Reference. Single mothers also need to confirm their status and obtain the appropriate document, which is issued by the civil registry office.
Write an application for financial assistance to the housing fund and submit a package of necessary documents.
If the review commission makes a positive decision, you must open a bank account to which the money from the certificate will subsequently be transferred.
Next, you need to select a suitable home, draw up a purchase and sale agreement and register it.
The purchase and sale agreement must be submitted to the bank in order for funds to be debited from the family’s bank account to the seller’s account.
After the funds have been written off, you must take a receipt from the seller and sign the deed of transfer of the residential premises.
The last step is to register the home with the government service, to which it is necessary to submit all documents, including the seller’s receipt.

We discussed the entire process of obtaining a subsidy for the purchase of housing in more detail in a separate material.

The commission's decision to refuse or to provide a subsidy is made within 1 month.

If you are a single mother or a member of a low-income family, then government support in the form of a subsidy will help you solve your housing problem. Do not forget that the state has developed various programs whose purpose is to help citizens with housing issues.

Young family program 2020 single mother

copies of children's birth certificates (if any);
copies of the spouses’ work records, certified by specialists from the human resources departments at the spouses’ place of work;
income certificates, form 2NDFL, from the spouses’ place of work;
extracts from the house register and personal account;
You must have the originals of all documents with you.
certificates about the presence (absence) of residential premises for each member of the young family (BTI);
certificate-notification of recognition of a family in need of improved housing conditions (issued in the departments for accounting and distribution of housing of the district administrations of the city of Barnaul at the place of registration of the spouses);
a certificate from a bank (organization providing a loan), indicating the amount of credit (loan) that can be provided to one of the spouses, based on the total family income;
copies of passports of young family members;
a copy of the marriage certificate (divorce, single mother’s certificate – if necessary);
documents confirming that the family has its own share of financial resources (copies of a savings book, copies of documents on ownership of movable or immovable property, etc.);

deputies of the Barnaul City Duma and the Youth Parliament of Barnaul;
Chairman of the Barnaul Administration Committee for Construction.
Deputy Head of the City Administration for Social Policy;
Chairman of the Barnaul Administration Committee on Youth Affairs;

50% of the estimated (average) cost of housing, determined in accordance with the requirements of the Program, for young families without children and constructing an individual residential building or purchasing new housing;
55% of the estimated (average) cost of housing, determined in accordance with the requirements of the Program, for young families with one child or more, for single-parent young families constructing an individual residential building or purchasing new housing.
35% of the estimated (average) cost of housing, determined in accordance with the requirements of the Program, for young families without children;
40% of the estimated (average) cost of housing, determined in accordance with the requirements of the Program - for young families with one child or more, for single-parent young families consisting of one young parent and one child or more;

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Registration of a preferential mortgage

A single mother can take advantage of one of the preferential mortgage programs. In particular:

Subsidizing rates up to 6% on behalf of the state.
A rate reduction by the bank itself.

The latter option involves taking part in the bank’s special offers. You can find out about their conditions on the official websites of the financial institutions of interest. For example, Sberbank introduced its own analogy of the “Young Family” program with similar conditions. The annual rate is acceptable.

The best option for a single mother is to take out a mortgage at 6%. However, a woman with two or more children will be able to take advantage of the benefit. If there is only one child, no subsidy is provided.

Conditions for obtaining a preferential mortgage:

Birth of a second or third child after 01/01/18
Purchasing housing from a developer (primary market).

A woman earning a good salary will be able to participate in the program. Approval of a mortgage application will require the provision of proof of income. The possibility of partial payment of the loan with funds from maternity capital cannot be ruled out.

Mortgage rate subsidies are limited. If a woman has two children, she will be able to apply for a benefit for 3 years, three – 5 years. In the event of the birth of a third child after the loan is issued, the period is extended by 8 years.

Applying for a preferential mortgage will require submitting a standard list of documents to the bank:

Passport.
Certificate of family composition.
Children's birth certificate.
Certificate of income for 6 months.
Bank statements.

If the loan is approved, the woman will be able to select housing and enter into an agreement with the developer, providing a copy of it to the bank. Next, an agreement is drawn up indicating the benefits provided, as well as the payment of the down payment.

Buying a home will require paying a down payment not only to the bank, but also to the developer. As a rule, its size is 20% of the total cost of housing.

After receiving a mortgage, a single mother is required to pay monthly bank fees on time. Otherwise, the rate will be increased to the standard rate. The benefit will be canceled and re-registration will not be possible.

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Anna Vladimirovna

I am the editor-in-chief of our information portal, and I carefully review all the material from our experts before publishing them here. An economist by education, specialization in accounting, analysis and audit. Experience as an accountant for 10 years. I can work with long texts and legal documentation.

Is it possible for a single mother to get an apartment for free from the state?

It is not always possible to get an apartment from the state for free. In this case, the regional government issues subsidies for single mothers to purchase housing, that is, it provides preferential mortgage lending. Those in need are given a certificate for payment within 75% of the cost of the selected property (the rest will be paid by the mother).

The introduction of benefits for low-income single mothers will be significant assistance from the state against the backdrop of the ongoing increase in utility tariffs. To provide this service, members of the population with limited means are required to be property owners or tenants of social housing or private housing under a lease agreement.

Mortgage for single mothers in 2020 - is it possible to get one?

Single women are wondering if they can get a mortgage if they do not have single woman status. It's definitely possible. If the bank does not provide benefits, then there is no point in confirming it. If a mother plans to become a participant in the state program, then she needs to prove her need for improved living conditions. But if Sberbank offers conditions specifically for single mothers, then a confirmed status will help reduce costs.

the possibility of registration without a down payment, since the state pays it instead of the borrower;
reduction of interest on payment, the larger the first payment, the lower the percentage of overpayment;
extension of the loan term;
increasing the level of trust in the payer.

Rules for providing housing from the state for single mothers

do not own any real estate. An exception is housing, which, after inspection by social protection authorities, was found to be unsatisfactory and there is documentary evidence of this (inspection report);
a single mother has a low monthly income and belongs to the low-income category (documentary evidence is available).

A federal law that allows all single mothers to participate in government financial assistance programs;
Housing Code of the Russian Federation, which provides for the allocation of real estate to single mothers who need it;
Resolution of the Government of the Russian Federation, which clearly states the conditions and procedure for obtaining apartments or subsidies for the purchase of housing with the help of the state;

Are housing provided to single mothers?

Current legislation does not provide for the provision of free housing to single mothers. However, a woman has the right to use standard types of programs:

Assistance in purchasing housing for young or low-income families.
Placement on the general waiting list for housing.
Registration of a mortgage on preferential terms.

At its discretion, the regional government has the right to implement its own programs to provide free housing or subsidize mortgages to citizens in need. This includes low-income single mothers.

A single mother should personally visit the local administration to learn about the existence and possibility of using a regional housing program.

It is worth considering that only women who have permanent registration in its territory will be able to take part in the housing program of a certain region.

Single mother according to the program - young family

I recently spoke with a young man who asked me to fill out a personal income tax form for a property deduction and warned me that maternity capital had been used. This was not reflected in the contract. Based on his words, I filled out the declaration, and when I started asking how much he paid in personal funds, it turned out...

Five regions of Russia have not concluded an agreement with the Ministry of Construction on the implementation of the federal project “Housing” of the national project “Housing and Urban Environment” and have not approved regional indicators. This was announced at the meeting by the Minister of Construction and Housing and Communal Services of the Russian Federation Vladimir Yakushev.

Young family for single mothers

From the bank’s point of view, a mother raising a child without a father (according to documents) is not classified as a separate category of borrowers. She can count on getting a mortgage just like everyone else. But you need to remember that the requirements for it will be as strict as for other borrowers.

A single mother is a woman who raises one or more children on her own. As a rule, these are women who are divorced or have given birth to a child without marriage. It often happens that in fact a single mother is not single at all, but has a common-law husband. These women deliberately strive not to get married, since as a single mother they are entitled to a number of benefits from the state. For example, an employer cannot fire such an employee on his own initiative in almost any circumstances other than the liquidation of the enterprise.

Are there any benefits when purchasing an apartment?

In purchasing their own housing, certain preferential categories of citizens can count on financial assistance from the state in the form of subsidies.

Basically, the payment of material assistance is entrusted to the budget of the constituent entities of the federation . That is why they have the right to independently approve the list of categories of beneficiaries who can count on receiving subsidies. But since the main list is established at the federal level, and it is not allowed to reduce it, they only have the right to expand it. This main list also includes single mothers and low-income families.

Benefits and guarantees of housing for single mothers

Not everyone can get an apartment in 2020. State housing assistance is provided to single mothers who need improved living conditions or who do not have their own living space. After submitting the documents, regional administration employees will review the papers and add the applicant’s name to the list of people who are given priority for housing. It is worth noting that you can wait for your turn for years.

Affordable housing for a young family. A single mother under the age of 35 can become a participant in the program. If a woman proves the need to improve living conditions, she will be included in the project. Program participants receive funds from the state for the down payment on the mortgage and subsidies for monthly payments.
Young family. This government program helps single-parent families cope with loan payments. The funds can be used both as an advance on the loan and to pay off the balance of the debt. An important condition is the mother's stable income.
Maternal capital. If a mother is raising two or more children, she can obtain a maternity capital certificate and use these funds to improve living conditions. Certificate holders can count on reduced interest rates and a shorter loan term.

What types of housing subsidies are available to those in need?

Single mothers are one of the most vulnerable categories of beneficiaries who are entitled to subsidies for an apartment. There are several programs for them that provide financial assistance in purchasing housing if specific conditions are met.

" Dwelling". This program allows you to receive financial assistance in the amount of 35% to 40% of the total cost of the apartment.
“Affordable housing for a young family.” This program provides assistance to single mothers as subsidies for the purchase of housing in the amount of 30% to 40% of the cost of the apartment, either with their own money or through mortgage lending.
"Maternal capital". This program provides financial assistance for the birth of a second child, which can be used to pay off a mortgage loan. Also, within the framework of this program, when the baby reaches 3 years of age, a single mother can spend maternal capital on obtaining a mortgage or purchasing a home. Read about what government subsidies families can apply for after the birth of 1, 2 and 3 children here.

For families recognized as low-income, there are a number of programs that help with such issues as purchasing housing.

"Young family". This program helps low-income people receive subsidies of up to 40% of the total cost of the purchased apartment. Today it is the most widespread and is regulated by the executive bodies of the constituent entities of the Russian Federation.
"Dwelling". This is a federal program whose main goal is to provide young and low-income families with their own housing that is environmentally friendly and of high quality.
Attention! The amount of subsidies depends on the standard total housing area for all family members.
“Providing housing for young families.” This program also includes assistance to the poor. It helps citizens with the following:
participation in shared construction;
payment for the construction of a residential building;
mortgage loan for the purchase of a home.

A single mother with two children is excluded from the young family program, what to do

Hello! A young family can participate in the subprogram, including a young family with one or more children, where one of the spouses is not a citizen of the Russian Federation, as well as an incomplete young family consisting of one young parent who is a citizen of the Russian Federation and one or more children, meeting the following conditions: you can participate in this program if you are under 36 years of age and you are recognized as in need of improved housing conditions, that is, provided with housing less than the accounting standard in your region. Refusal to receive a plot for a young family 1 answer State assistance 3 answers Housing under the Young Family program 1 answer Right

Hello! A young family can participate in the subprogram, including a young family with one or more children, where one of the spouses is not a citizen of the Russian Federation, as well as an incomplete young family consisting of one young parent who is a citizen of the Russian Federation and one or more children, meeting the following conditions: you can participate in this program if you are under 36 years of age and you are recognized as in need of improved housing conditions, that is, provided with housing less than the accounting standard in your region. Do we have the right to help a young family Young family and inheritance 1 answer Help a young family 4 answers Money for construction

Can a single mother participate in the young family program?

The program provides for social payments for the purchase of housing (including economy class) or the construction of an individual residential building, to make the last payment for a share of residential premises, as well as the creation of conditions for attracting additional financial resources - credits, borrowings, mortgages for the acquisition or construction housing (clause 2 of the Rules, approved by Decree of the Government of the Russian Federation of December 17, 2010 N 1050).

Young families have the right to participate in this program, which include (clause 6 of the Rules): - spouses under the age of 35 (one of the spouses may not be a Russian citizen) and their children; - single-parent families in which there is only one young parent (under 35 years old, Russian citizen) and at least one child. To become a participant in the program, such a young family must be recognized as in need of housing, that is, it must be registered as in need of improved housing conditions before 03/01/2005, or recognized by local authorities as in need of housing after 03/01/2005, regardless of whether the family is registered as in need of housing.

How quickly can I get housing?

Most beneficiaries believe that once they are on the waiting list for housing, they will receive it within a few months. In reality, everything is far from the case. The timing of obtaining housing depends on the following factors:

The state of the housing stock of the city or region. If there is no construction work in your area or city and the housing stock is not being updated, then you cannot count on new housing in the near future;
Number of people in line. It is worth considering that when updating the housing stock, only a small percentage of apartments are used for social housing;
The number of people entitled to priority and priority housing.

It can be noted that you can get housing either within a few years or after 10-20 years.

It should be borne in mind that during this time the law may change more than once, and you will simply be removed from the queue.