In the public consciousness, a stereotype has taken root that a single mother is an unhappy woman raising a child alone, barely making ends meet, and it is simply impossible for her to buy her own home. However, in reality, single mothers have real opportunities to purchase an apartment or house, in particular, on a mortgage.
It is necessary
- - passport (copies of all pages);
- - TIN certificate (copy);
- - certificate of marriage or divorce (copy);
- - birth certificates of children (copies);
- - documents confirming income and employment;
- - documents confirming income for persons working as private entrepreneurs;
- - documents on the acquired housing.
Instructions
Step 1
First, the legal category of “single mother” should be clarified. Many people mistakenly believe that any woman who raises children without a husband, for example, after a divorce or his death, can be considered as such. In fact, a single mother is a mother whose child was born out of wedlock, and paternity was not established over him voluntarily or in court.
Step 2
A single mother can be married, have a stable high salary or her own profitable business, so she may well count on a positive decision from the bank, which will apply for a mortgage loan. In this case, it is important to choose the most favorable conditions.
Step 3
In particular, you can use the services of the Agency for Housing Mortgage Lending (AHML). The standard mortgage program provides for lending for a period of up to 30 years with an initial payment of at least 10% of the cost of the purchased apartment, an interest rate in the range of 8, 9-12, 7% per annum, the possibility of attracting co-borrowers. At the same time, the monthly payment should not exceed 45% of the total income of all borrowers participating in the transaction.
Step 4
In other words, if you are a single mother, but you have a good salary, you have a husband, parents or other relatives who have a stable income and are ready to help you with the purchase of an apartment, the chances of obtaining a mortgage are quite high.
Step 5
To get a loan under this or another program of the Agency, contact any of the banks and other credit organizations-partners of AHML, represented in your region. Their names and contacts can be found on the Agency's website www.ahml.ru in the "Where to get a loan" section.
Step 6
In addition, a single mother who is under 35 can get a mortgage loan under the "Young Family" program at Sberbank of the Russian Federation. It assumes an initial payment of 10% of the cost of an apartment or house, a deferral to pay the principal debt or an increase in the loan term for the birth of children, an interest rate of 9.5 to 13% per annum, the ability to attract co-borrowers.
Step 7
To review the application and apply for a loan, prepare the following documents: - passport (copies of all pages); - TIN certificate (copy); - marriage or divorce certificate (copy); - birth certificates of children (copies); - documents confirming income and employment of employees: work book (copy), certificate of income in the form of 2-NDFL for the last 6 months; - documents confirming income for persons working as private entrepreneurs: copies of the tax declaration for the single tax (for the last 2 calendar years), declaration of income 3-NDFL, a copy of the certificate of registration of a private entrepreneur; - documents for the acquired housing (certificate of registration of ownership, purchase and sale agreement, valuation report, technical passport of the BTI, certificate of the assessed value of residential premises, etc.)).
Step 8
Since the above list is standard, when making a loan application, check it with the selected bank: additional information may be required about you, your work activity, as well as the housing you are purchasing.
