How can a single mother get housing with government support?

Single mother status in 2021

There is no single legal act that would define the status of “single mother”. In different documents you can find several similar formulations - “single-parent family”, “single mother”, “single parent”, etc. Their use depends on the scope of application. For example, according to the Labor Code of the Russian Federation, a single mother is considered to be a mother who raises a child without a father. In this case, a man may be recorded in documents, but, for example, avoid education, be deprived of legal capacity or parental rights.

Another definition is given by the Ministry of Finance: a child of a single mother has no father at all, has gone missing, died, his name is not reflected in the documents or is included there according to the words of the mother. This is the approach used in social security and is called a single mother:

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• A woman who gave birth to a child out of wedlock, whose paternity has not been established - by a court decision or voluntarily;
• A woman who gave birth to a child during marriage or within 300 days after divorce, if the former spouse has challenged his paternity in court;
• A woman who has adopted a child outside of marriage.

Who isn't a single mother?

In turn, the following are not recognized as a single mother or single parent:

• A woman raising a child on her own after a divorce. She may or may not receive alimony - she is not entitled to state support;
• A woman who gave birth to a child within 300 days after the marriage was dissolved/invalid. In this case, the man is recorded as the father of the child, even if there is no actual relationship between them;
• A woman whose paternity of a child has been established by a court or voluntarily. In this case, the father may live separately and not contribute to the upbringing;
• A widow whose husband died less than 300 days ago. In this case, the deceased spouse is registered as the father of the child by default.

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If a citizen is still recognized as a single person, the registry office issues her a special certificate in form No. 25. A dash is placed on the child’s birth certificate or the father’s name is entered according to the woman’s words. In the future, these papers will be required by government agencies and at the place of employment as confirmation of her status.

Who can be recognized as a single mother?

Before you deal with obtaining housing, you need to know who exactly has the right to it. A single mother is a woman who gave birth to a child without being married, and the father did not officially recognize him in the registry office.

Usually, when drawing up a birth document, a dash is placed in the column about the father. But there are situations when the mother does not want to do this.

Then she has the right to write any full name in this column. In this case, together with the birth certificate, she will receive a certificate of the father’s registration according to the mother’s words.

Payments and benefits in 2021 for single mothers

It is important to understand that in Russia a separate allowance is not paid to a single mother in 2021 - the state provides all incentives and benefits on a general basis, for mothers of any status. Specifically, we are talking about the following payments:

• Maternity benefit. Depends on the mother’s income for the last two years or on the minimum wage.
• Benefit for women registered with medical institutions. institutions in early pregnancy. Amounts to 708.23 rubles.
• One-time payment at the birth of a child. The amount is fixed - 18,886.32 rubles.
• Regular payments. Until the child reaches 1.5 years old, the mother receives 40% of average earnings monthly, but not less than 7,082.85 rubles for the first and subsequent children.

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Single mothers receive other types of payments - monthly or quarterly - from regional budgets (more on this a few points below).

Bank interest rates on mortgages for single mothers

There are no special interest rates for single mothers. It all depends on how the purchase of housing is carried out - under a state program or on standard terms. If preferences are used, the overpayment on the mortgage can be reduced and will be about 6%. If a person receives a mortgage on classic terms, the rate will be about 8.5% per annum.

By studying the market, a woman will be able to find offers with a relatively small overpayment. However, please note that advertisements show a minimum bid. In practice, the figure will be slightly higher. It is influenced by:

• credit history;
• financial position;
• availability of co-borrowers, guarantors and their number;
• single mother age;
• the amount of the down payment.

The more risk the financial institution takes, the higher the mortgage interest rate for a single mother will be set. Therefore, experts recommend trying to increase your reliability by attracting additional co-borrowers and guarantors.

Additional support for single mothers

In addition to child benefits for single mothers, the state also provides support in other, non-material forms. For example, the group of social benefits and compensations includes:

• Places in kindergarten. A single mother has the right to priority enrollment of her child in the group, as well as a reduction in parental fees;
• Help in treatment . The state is ready to help with the purchase of medications - to pay their cost in full or in part, to provide the services of a massage therapist at the children's clinic;

The remaining benefits do not directly depend on the woman’s status, but are available to low-income families. If, due to low income, a single mother and child fall into this category, they may qualify for some more incentives:

• Subsidy for utilities . Expressed as a percentage by which the monthly payment for housing and communal services is reduced. Guaranteed for families whose utility costs exceed the established norm;
• Free dairy kitchen . A family recognized as needy receives high-quality and varied special food.

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Separately, it is worth highlighting a double tax deduction - this compensation is provided specifically for a single parent. You can save 2,800 rubles on tax monthly if a single person is raising one or two children, and 6,000 rubles if you have three.

Questions from our readers

Women in need of housing ask many questions on this topic. We will answer some of them today.

In order for a single mother to receive housing from the state, must she be low-income?

Social support related to obtaining housing is not provided for single mothers. Benefits are provided to low-income families. It is important to prove that the woman really needs to improve her living conditions and cannot solve the problem on her own. You will need to verify your income to qualify for low-income status.

Are there additional benefits for a single mother with two children?

If a woman has two children, she can count on maternity capital and a preferential mortgage with state support. Additional assistance with two children is not provided.

Benefits and allowances for a mother of many children

In the Russian Federation, a mother who raises three or more children who have not reached adulthood is recognized as having many children. To be considered single, such a woman must give birth to each child out of wedlock. This is an important nuance: if a mother with many children gave birth to at least one of three (or more) children while in a marital relationship, she will not receive a “preferential” status.

Basically, single mothers with many children receive the same payments as single mothers. The amounts vary - those with many children are entitled to more support. What specific benefits are we talking about:

• Permanent. Paid until the youngest child reaches adulthood. The size of the payment depends on the region - for example, in Moscow, mothers are paid 1,315 rubles to compensate for the rising cost of living.
• Temporary. If a mother of many children does not work, the payment is 7,082.85 rubles , if she is on maternity leave - 40% of the salary, but less than the base amount. This benefit is paid until the child turns 1.5 years old;

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In addition to all-Russian benefits and allowances, single mothers are encouraged with one-time payments in the regions. In Moscow the rates are as follows:

• Benefit. It is paid once for the third and subsequent children in the amount of 14,500 rubles, and for triplets - 50,000 rubles at once;
• Compensation. Rely on mothers on an ongoing basis to reimburse the costs of communication and the purchase of school uniforms.

The remaining benefits are of an intangible nature. At the federal level, single mothers with many children are entitled to:

• Discount on payment for housing and communal services. Its percentage depends on the number of children: for families with 3 children, the cost in fat is reduced by 30%, with 4 - by 50%, and with 7 or more - fully reimbursed;
• Free food. We are talking about set breakfasts and lunches that children from large families can receive at school;
• Places in kindergarten. Priority in the queue always goes to families with many children, and such families are not charged parental fees;
• Free pass. Valid for all children and one parent on all types of public transport;
• Free treatment. The state will provide children with medicines and trips to health centers (at least one trip every two years);

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Non-material benefits are also provided to women at the regional level. So, in Moscow, maternity hospitals provide sets of underwear, and later they offer free visits to the circus, zoo, etc. with your child(ren). municipal institutions of the city.

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.

Labor benefits

Since a single mother is a priori the only breadwinner in the family, the Labor Code of the Russian Federation reserves special rights and benefits for her (by the way, these also apply to single fathers):

• A single parent who is raising a child under 14 years of age cannot be laid off, fired when there is a change in management, or deprived of a position due to disciplinary sanctions;
• In the event of bankruptcy or liquidation of the organization, the single parent must be provided with another place of employment. Responsibility for this lies with the hiring organization that is about to lay off its employee;
• All parents pay for caring for a sick child. At the same time, the amount of benefit for a single mother depends on the type of treatment. If a child requires hospital stay, payments will be determined by length of service. For outpatient treatment, the benefit is paid in full for the first 10 days, then half;
• For parents with children under 7 years of age, sick leave is paid without restrictions, with children older - the first 15 days are paid;
• A single parent has the right to take leave at his own expense at any time. The maximum duration of such leave is 14 days;
• A single parent with a child under 5 years of age cannot be required to work on weekends and holidays, overtime or night work;
• A mother raising a child under 14 years of age has the right to switch to part-time work at any time.

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Single mothers also have preferences when they get a job. The fact is that employers cannot refuse to hire them due to the presence of minor children. And if the candidacy is nevertheless rejected, single mothers must clearly explain the reason for the refusal.

Advantages and disadvantages

The main advantage of the service is the purchase of housing even in the absence of funds. A single mother will no longer have to live with her children in rented apartments or live with relatives. The disadvantage of a mortgage is that it is difficult to obtain. Banks place increased demands on this category of citizens, since cooperation with single women raising children on their own is associated with increased risks. There is a high chance of your application being rejected. Therefore, it is necessary to convince the financial institution that the woman will be able to repay the mortgage without any hindrance.

Single mother's benefit in 2021 in Moscow

Unlike other regions of the Russian Federation, in the capital single mothers receive their own payments, intended only for them.

Including:

• Child benefit. Monthly is 15,840 for a child under 3 years old, 6,336 for a child from 3 to 16 years old, 12,672 for a disabled child under 18 or 23 years old;
• Inflation compensation. For food for a child under 3 years old - 713 rubles. To reimburse expenses due to the rising cost of living - 792 rubles, if the mother receives a monthly allowance. If you don’t receive it - 317 rubles.

Benefits for single mothers in Moscow
An additional requirement for single mothers who seek to receive these benefits is permanent registration in Moscow.

Terms of service

Single mothers receive a mortgage on general terms. Banks are ready to issue from 300,000 to 60 million rubles for the purchase of housing. It all depends on the financial situation, the chosen financial institution, the cost of the apartment and the region of residence.

A down payment is required. It demonstrates the borrower's solvency. The size of the starting payment ranges from 10 to 50% on average. The larger the amount a person is willing to deposit on their own, the more loyal the mortgage loan rate will be.

Attention

You can get a mortgage without a down payment if the woman is eligible for a subsidy. The funds allocated by the state can be used as a starting payment. In a classic situation, companies rarely provide a mortgage without a down payment. Similar offers are still available on the market, but companies check the client for compliance with established requirements and provide a loan under strict conditions. The interest rate offered may increase significantly, and the available amount and loan term will be reduced.

If a single mother receives a mortgage, the apartment will become encumbered until the loan is fully paid off. For the bank, this is an additional way to protect itself from non-compliance with the terms of the agreement on the part of the borrower.

Child benefit by September 1

Support for families with children in 2021 will be provided from the regional budget. Conditions for receiving benefits may vary depending on the region. Payment is provided for the purchase of school uniforms and stationery.

By September 1, 2021, families with school-age children will be given 10,000 rubles . This statement was made by President Vladimir Putin in April of this year.

Large families will also be able to receive an additional 3,000 rubles

At the same time, we should not forget about other assistance to families with children. Thus, from January 1, 2021, a new benefit for low-income families for children from 3 to 7 years old is in force in the amount of half the subsistence minimum per child for the 2nd quarter of the previous year.

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The legislative framework

Significant items of expenditure in the housing sector for single parents are:

• Payment of utility services.
• Purchasing your own comfortable home.

It is almost impossible to improve living conditions at the expense of the income of the sole breadwinner of the family, which is why a woman has the right to apply for participation in the following government programs:

1. “Young Family” within the framework of Russian Government Decree No. 1050;
2. “Social mortgage” in the manner determined by the Decree of the Government of the Russian Federation No. 1567.

Also, a single mother can apply for a subsidy that reimburses part of the costs of paying for utilities in accordance with the norms of housing legislation, in particular Article 159 of the Housing Code of the Russian Federation.

At the regional level, depending on the region (territory), several more benefits are provided that allow a woman to compensate for part of the costs or reduce them as social assistance for the preferential category.

Participation in government programs to improve housing conditions is available to all families, regardless of their status as beneficiaries. Therefore, a single mother can apply for the purchase of her apartment only on a general basis .

And another type of state assistance, already at the federal level, is the provision of housing for single-parent families on the basis of a social rental agreement. But a woman with a child will be able to apply for a municipal apartment only if she also belongs to the category of low-income citizens who do not have their own housing within the framework of the Housing Legislation of the Russian Federation.

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How to apply for benefits for single mothers?

To receive one-time and monthly payments, you must follow the following algorithm of actions.

1. Collect the necessary documentation, the package of which must correspond to the established list;
2. Submit the collected documents to the authorized bodies;
3. Before accepting a package of papers, representatives of a social institution make sure that they are complete and correctly filled out, and then the authenticity of the specified information is checked;
4. Receive benefits due within the prescribed time frame.

A single mother can apply for benefits directly or a person representing her, in which case a notarized power of attorney confirming the right to act on behalf of the sole guardian will be required. Document processing is carried out by social protection authorities located in close proximity to the residential address. It is also possible to submit an application at centers that carry out multifunctional activities. The benefit is issued within 10 days, after which money transfers are made.

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Step-by-step registration instructions

Applying for a mortgage for a single mother follows the classic scheme. You need to do the following:

1. Familiarize yourself with the current offers by carefully studying the conditions for issuing funds. It is better to analyze programs as a whole. This will allow you to choose the most profitable service. If a woman is eligible for a subsidy or reduced interest rates, it is better not to neglect the opportunity. In this situation, an initial contact with the authority overseeing the program may be necessary. This is where the certificate will be issued. The paper will need to be included in the general list of documents for applying to the bank. If there are no rights to benefits, the step regarding registration of preferences must be skipped.
2. Prepare the initial package of documents and contact the bank. Usually you need to have a completed application, identification card, income certificate, and work book with you.
3. Submit the package of documents to the authorized body and wait for a decision to be made. The bank will analyze the application and provide a response. If the verdict is positive, the woman will additionally be informed how much money she can claim.
4. Choose housing taking into account the indicated amount. There is no point in delaying the procedure. The financial institution provides from 30 to 90 days to obtain a mortgage. If the deadline is missed, you will have to submit your application again.
5. Contact the real estate seller and offer to conclude a deal. If the owner of the premises agrees to sell the apartment on a mortgage, a preliminary purchase and sale agreement must be drawn up.
6. Carry out the real estate assessment procedure and collect a package of papers for the premises. In addition to the expert’s opinion, the list should include a purchase and sale agreement, title and technical documents for real estate.
7. Submit documents to the bank. The financial institution will check them for correctness. If no errors are found, a contract will be concluded. The citizen is required to provide a down payment.
8. The premises are re-registered to the borrower in Rosreestr and the mortgage is issued. The papers are transferred to the bank. The citizen is obliged to insure the premises. By law, it is necessary to protect property from destruction or damage. The beneficiary is the bank. However, organizations are typically asked to purchase life, health, property and title insurance.
9. Wait until the financial institution transfers the money to the seller’s account. When the amount has been received and the re-registration of the property is completed, the person becomes the full owner of the premises and must begin repaying the housing loan.

Documents for applying for benefits

• Applicant's passport;
• Child's birth certificate;
• Certificate from the registry office (form No. 25);
• Certificate of income (form 2-NDFL);
• Certificate of family composition;
• Extract from the work book, if the applicant works;
• Certificate from the employment center, if the applicant is unemployed;
• Statement of family composition and missing debts.

The list presented is expanded. Depending on the incentive or benefit, fewer documents may be needed (for example, for a one-time benefit for the birth of a child, a 2-NDFL certificate is not needed).

“Young Family” program: conditions

• name of the local government body;
• request of applicants to include them in the list of program participants indicating their full name and date of birth, passport details and residential addresses;
• a list of applicants’ children indicating their full name, date of birth, details of birth certificates or passports - depending on the age of the minors;
• Full name, signatures and date of each adult family member, which confirms familiarization with the features of the program;
• list of attached documents.

What documents are needed

• Officially registered marital union (or single-parent family). Couples who choose to live without a stamp will not be able to participate in the program. The absence of children is not an obstacle to receiving state support, but the amount of the subsidy will be less and the waiting period for receiving it will be longer. At the same time, a man or woman without a spouse and children will not be able to become a participant in the program.
• The age of husband and wife is up to 35 years. It is checked twice – when submitting an application for participation in the program and when creating a list for distribution of funds. Several years may pass between the submission of an application and the formation of the list. If either spouse is over 35 at the time of distribution, applicants will be excluded from the program. For this reason, it is necessary to apply for registration as quickly as possible.
• The family has money for housing. It is assumed that the family will receive up to 35% of the cost of the apartment from the state, and will pay the rest either through their own savings or through a mortgage loan. To participate in the program, you must prove that the family has the funds to pay the mortgage or pay off the balance from personal funds. You can provide certificates of earnings, statements of savings from a bank account.
• The family needs government support to improve their living conditions. If one of the spouses has their own home or they live with their parents and have a share in their apartment, then they are unlikely to be able to receive money from the state. To confirm your need, you must contact local administrative authorities and prepare the relevant documents - for example, certificates of residence in a dilapidated building or in an apartment that is too small in size.
• Previously, spouses did not benefit from government support under this program. If they have already received a subsidy, then they should familiarize themselves with other government programs.

At this stage, you need to contact a specialist in this department and write an application to be placed on the waiting list for municipal housing. Different regions may require additional documents.

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How to get benefits for a single mother?

1. Collect the package of papers requested for registration of this manual:
2. Contact the social security office at the place of registration or the hiring organization;
3. Submit an application in writing and receive the benefits, allowances or compensation due.

The social security authorities will inform you in detail about what payments a single mother is entitled to and how to apply for them. It would be useful to clarify the list of documents - changes are constantly being made to the current legal norms.

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Can I obtain single mother status if my husband leaves me?

It's a difficult question. If the child is registered with her husband, then the woman does not have the right to state support. She can apply for help from the state only if the child does not officially have a father.

The only case when a former spouse can become a single mother is when the father has died or lost parental rights. Roughly speaking, you can file for deprivation of his rights if he does not intend to participate in the child’s life.

A single mother with a living ex-husband, if he is recognized:

• unknown absent;
• incompetent.

You can also try to become a single mother if the father:

• due to health reasons cannot support a child;
• is serving his sentence.

But in this case, it is necessary to first deprive the father of parental rights.

In all other cases, if the father does not challenge his right to the baby, the child is considered born into a complete family. In this case, the mother is divorced and not a single mother, even if the father has no involvement in his life.

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I have the status of a single mother and I got married, will my status remain?

The Supreme Court ruled that the status of a single mother remains after her marriage if the new husband has not adopted a child in accordance with paragraph 2 of Article 51 of the Family Code.

After marriage, a woman has the right to remain a single mother. But to take advantage of benefits at work, you will need to notify your employer.

How can I apply for benefits if I live in one city but am registered in another?

If previously it was necessary to receive benefits and submit documents for it only at the place of registration, now this rule has been changed. Now you can apply for benefits at your place of stay and actual residence. The benefit depends more on regional regulations.

Can I apply for benefits as a single mother if I adopted a child alone?

Yes, this is quite possible. If a woman independently, alone, adopts a child, then she can register and receive payments from the state as a single mother.

Difficulties will arise when a woman adopts, but there should be no difficulties with acquiring single status.

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How to get on the waiting list for housing

To become an applicant for social housing, you must contact the district Office of the Department of Housing Policy and Housing Fund and write an application. A package of required documents is attached to the application.

What documents are needed to get on the waiting list for an apartment?

Interesting: without special calculations it is difficult to determine whether a family or person belongs to the “poor” category. For example, wages at the subsistence level or low-income benefits do not automatically make a family “poor.” And vice versa: with a high income, a family with several children, but without real estate, has a fairly high chance of becoming an applicant for social housing.

If the borrowers are a married couple, the income of the spouses is summed up. If a single mother applies for a mortgage, then she can only rely on her financial capabilities. In addition, it is taken into account that part of the funds goes to support the child. That is, a woman may well receive a targeted loan to purchase a home, but for this she must have a confirmed high level of income. If the borrower has the funds to make a down payment and long-term loan payments, the bank will most likely approve the application.