Modern model of housing

In this article the international experience of providing housing with mortgage lending. The calculation showing the profitability of the accumulation of funds for the purchase of housing. Proposed model is funded with state, allowing a future owner to reside in the apartment after the conclusion of the treaty and to reduce the overpayment for the acquired dwelling. It is concluded that the management of public authorities need to ensure increased availability of housing for its citizens, using a variety of financial models and mechanisms for the accumulation of funds.