How to live as a freelancer? Social services, tax, banks?

Question

Freelance

Good day to all! I have several related questions.
Tomorrow I'm going to write a statement, saying goodbye to my beloved boss.
I'm going to go freelancing, since my regular customers provide for the needs of my family.
There are quite a lot of freelancers on Habré, so I decided to ask a question here, although not in the q&a format.
Who decides the following issues:
1) Social services In the
spring a child will be born, so I will be in their field of vision. How do they treat unemployed (officially) parents?
2) Banks
Loans - that's it, won't they give you more? I have a car, I want to change it to a new one. The old one is getting cheaper, now about 400t.r. costs. A new one will be twice as expensive, respectively. It's hard to accumulate.
The credit history is excellent - I took a lot of loans, I returned everything on time, most of them ahead of schedule, there were no delays.
3) Tax I
have a credit card, I use it little by little. There will be no question how I extinguish it?
Large purchases - the same car when I save up for a new one.
Or do they not care and no one will look for me?
4) Mortgage - everything? I'm going to expand in 3 years. I wouldn't want to settle somewhere even for six months. Are there options, or is this not available for me now either?
Thanks in advance
Update after three years.
First, there were more fears. By and large, until something happened, everyone does not care about the status of employment. On points:
1) never spoke
2) in connection with the normal turnover on personal cards, banks are overwhelmed by offers to take a loan. Somewhere later I run into the requirement to bring a certificate from work, but there are many banks that give anyway.
3) IP on the patent drives. They messed up a little with VAT (Google tax), but generally tolerable if you figure it out
4) They don’t give a mortgage. There is no way to provide a certificate of income on a patent, and in general there was an impression that the girls at the issuance of loans do not understand what it is. They ask you to bring a certified tax return which is not and cannot be. Nevertheless, we are solving the issue - we just need to work harder.

Answer 1

Register an IP and avoid all problems.
Seriously, all expenses are a fixed contribution of 35 thousand per year and 6% of taxes. Moreover, these same 35 thousand can be deducted from the amount of taxes. Online accounting destroys all paperwork.
Some banks provide free or very budgetary (200-400 rubles / month) service for individual entrepreneurs.
1. Social services treat you like a business owner
2. Banks love you, especially if your IP account is maintained by them
3. The tax office requires 5 reports (or 2) a year and does not buzz
4. Banks love you. You show the book of income for the last couple of years and the mortgage, in theory, should be approved

Answer 2

Considering that phrases like “Yesterday, a Lexus was stolen from an unemployed Muscovite” periodically appear in the news, people somehow live without declaring their income at all. Whether it's worth it is another matter.

Answer 3

1) More? How much have you already given? So why is the question in "more"? In principle, they will give, with a good credit history, and even on bail - it’s not a problem to get 400-800k in one bank or even more with consumer loans / cards. And a down payment of 50% from the sale of the old one will greatly increase the chances.
3) For purchases over 600 thousand, financial monitoring / tax authorities may have questions, but this is rather theoretical. In practice, so far no one has been hurt, it seems.
4) It makes no sense to get a job for half a year, in principle, banks will take into account the total experience, and half a year is nothing. About the mortgage for the unemployed - forget in principle, fantastic.
However, there is an option, if the toad does not stifle taxes for 36 thousand a year, then you can register as an individual entrepreneur and simplify a lot for yourself. And loans and social programs and everything else. Omitting details, with an individual entrepreneur on a simplified system, it now makes sense to show at least 50k per month, and this income will be considered by many banks as white. A loan is usually issued for 30-50% of the payment from official income. An individual entrepreneur must have at least 2 years of experience to consider a mortgage, so think now. It makes sense .