Housing issues today are quite acute in front of the inhabitants of our country. A large part of the population to acquire their square meters or improve their living conditions on their own is almost impossible. The only option is a mortgage. And there are families for which a housing loan is not available due to low income. This primarily applies to mothers who raise children alone. There is only one hope for state support. This article will talk about how to get housing for single mothers.
What options does a single mom have?
It is no secret to anyone that it is possible to obtain housing under a social contract of employment, subject to certain circumstances, of course. But the category of single mothers is not considered preferential, respectively, has no priority in obtaining housing. But there are other options:
- Participate in state programs for young families and the poor.
- To stand in the general queue for housing as a poor family, even if incomplete.
- To issue a mortgage on favorable terms, such services are offered in various banks of our country.
Actually, there are not so many options, and this is far from everything that a single mother can count on. How to get housing, on what conditions it can be done, largely depends on the region of residence. Because, depending on the subject of the federation, material support is provided for certain categories of the population at the expense of the local budget.
What measures to take?
First you need to contact the administration at the place of residence. And find out what social programs are in place in this region. And also to clarify how to get housing for single mothers. What needs to be done in the housing committee?
Basically, across the country, social assistance can be offered in the form of social housing. But you can wait for it for a very long time, or maybe "forever." The second option is a mortgage on preferential terms. These two methods should be considered in more detail, to determine their advantages and disadvantages.
We queue for an apartment
Collecting a package of documents is the first thing a single mother should do. How to get housing under this program will be explained in the housing committee. And, in fact, the set of official papers may differ depending on the circumstances.
So what documents are needed:
- mother's identity card and birth certificates of children;
- document confirming registration at the place of residence ;
- papers confirming income, including benefits and pensions;
- a certificate of the value of property owned by the mother and taxable;
- The conclusion of the commission for the assessment of housing conditions.
The following is the main task: before getting housing from the state, a single mother needs to convince local authorities that she really needs support. And here it is necessary to take into account a small nuance: if the applicant’s financial situation improves before receiving social housing, they may refuse to provide square meters.
How to write a statement: an example
In order to get information about benefits for single mothers, you need to submit a request to the administration. This can be done through a statement in which you must indicate: the applicant is a single woman who raises children without a father. Next, indicate the surname, name and patronymic of the applicant, as well as her offspring. The statement should indicate that the family actually lives at a specific address (indicate it). In addition, describe in detail how many rooms the apartment consists of, what is its living area. If another person or several people live in it, then this fact should be noted.
In conclusion, it is necessary to ask for the conditions of existing programs for a certain category of population, benefits or other payments. The application form and sample can be obtained at the place of application. The administration should respond to the request and explain in detail whether the single mother can receive housing, what documents she must provide.
Mortgage
At first glance, this is not the best option for buying housing. But in fact, in our time, waiting for social housing can take too long. By that time, most likely, the children will already become adults and, accordingly, the woman will lose her status. But there is another option, how to get housing for single mothers in a short time - this is a housing loan. At the same time, it is possible to receive a subsidy for a mortgage, which will reduce the amount of the principal debt monthly to 40%.
In addition, soft loans are provided for public sector employees, young professionals, educators and doctors. That is, if certain conditions are met, you can get a loan to purchase an apartment with a minimum interest rate. You need to find out how to get a housing subsidy for a single mother in your region, because local government determines social programs. It is also worth noting that there is no need for owners of maternity capital to make a down payment on a mortgage. And if the loan was issued before the birth of the second child, then the certificate can be sent to pay off the debt.
Is it possible to get housing for a single mother on preferential terms?
It has already been mentioned above that the status of a single mother is not the basis for the provision of housing under a social rent contract on preferential terms. That is, she will not be able to get it in the first place. But this does not mean that there are no circumstances in which a woman can be granted a benefit.
So, you can get housing for a single mother out of turn if she:
- has a chronic disease that poses a threat to others;
- lives in a house in emergency condition;
- is disabled or her child has this status;
- lost housing due to natural disaster.
In general, benefits for single mothers are granted on a common basis.
How to confirm the status?
Before you think about the issue of how to get housing for single mothers, you should get a status. Because this category of the population can count on various kinds of material support in the form of pensions, payments, subsidies.
Firstly, it is necessary that a dash appears in the birth certificate in the “father” column. Secondly, a certificate is issued at the registry office - form No. 25. Documents should be submitted to the social welfare authorities to assign possible payments and benefits, receive benefits and subsidies.
Conclusion
A single mom is not the most enviable status for a woman, because she has a huge responsibility for the younger generation. In addition, she also has to strongly defend her right and cope with many obstacles. In our country, it is indeed possible to receive material assistance from the state, but this will be fraught with endless trips to the authorities and the collection of numerous documents.