savings and mortgage system with state participation as a form of increasing the affordability of real estate purchase
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ID: 153559
2012
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Abstract
With the continuous increase in the cost of real estate caused by its shortage, of great importance become solution schemes aimed
to provide housing for the broad strata of population.
Basing on the analyzed foreign and domestic experience in providing real estate for the citizens, two main ways to acquire it were
identified. For the assessment of the preference of each of these methods for the citizens, calculations showing the profitability of the
accumulation of funds were performed. Basing on thethesis above, a model with statefunding was proposed, allowing thefuture owner
to live in an apartment from the date of the contract with the state finance and investment corporation and to reduce the overpayment
for the acquired real estate compared to a mortgage, almost at 100% of the purchase price.
The paper concludes that to address housing problems, the management of public authorities need to use different models and
mechanisms to ensure quality of living conditions for the maximum number of citizens.
| Reference Key |
sirotkin2012konomikasavings
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|---|---|
| Authors | ;Victor Anatolevich Sirotkin |
| Journal | politikon |
| Year | 2012 |
| DOI |
10.17059/2012-3-28
|
| URL | |
| Keywords |
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