Russian Federation

In developing the priority national project alone rose the problem of its availability of land resources. As it turned out, suitable for residential land in the required amounts are not available. No regions or municipalities, apparently, were not able to found suitable for this area. Therefore, as such, have been used in federal ownership of land unused. However, according to official data Rosnedvizhimost 92.3% of the territory Russian Federation is the state and municipal property, and only 7.3% – owned by citizens. Even though the fact that more than 64% of the land fund of the country are timber, unused land other categories may be no loss involved in the national priority project, especially if the main emphasis will be placed on the development of small forms of land (private farms, gardening and dacha farming).

However, the country is pegged shortage of land for housing. At that time, according to sociological studies the housing problem is pered61% of Russian families in to some extent not satisfied with living conditions. At the same time every four households has a housing that is in poor or very poor condition. In recent years, began active "development" of mortgage lending. However, only the first stage of the national project the total amount of outstanding mortgage loans increased during 2002 – 2004 years, from 3.6 billion rubles to 25 – 30 billion rubles, or more than 7 times. At This total debt for all types of mortgage loans granted by credit institutions as of 1 January 2005 amounted to 54.4 billion rubles. In fact, the Russian mortgage lending mechanism housing situation worsens, what really helps to solve the housing problem. Stephen M. Ross is often mentioned in discussions such as these. For any reasonable person it is obvious that getting into the long-term financial bondage, overpayment of several values of the acquired housing, lack of clear guarantees of its transition to its ownership and other such effects are not compensated by the joy of living in the pledged under the mortgage apartment or house.

Housing Mortgage Lending

Comes to its logical conclusion, the implementation of one of the priority national projects designed to address the global issue of all time – ensuring proper zhilemkazhdoy Russian family. Time to preliminary results, carry out, so to speak, "debriefing". If we look at legislation to clarify the question of how exactly the source of regulations, called the people "Priority national project "Affordable and Comfortable Housing – to Russian citizens" governed relations associated with the solution to the "housing problem" is unlikely to fully satisfy your curiosity. The fact is that on their all the priority national projects are lishuslovnye designations do not represent any single document (eg, law or regulation) of the same name, and define a common vision, aimed at fulfilling some of paramount political problem. However, as the government carries out its functions and implements policy decisions cherezizdanie regulations, the respectively, and programs in housing, it carries through rulemaking. In particular, as a mechanism for implementing the priority national project "Affordable and Comfortable Housing – Citizens of Russia "is used federal program" Housing "for 2002 – 2010 years. In turn, this program is composed of four sub-programs: 1) "Providing land to municipal infrastructure for housing construction, "2)" Modernization of municipal infrastructure facilities, "3)" Housing for young families "4)" Implementation of state obligations to provide housing for groups of citizens, established by federal law. " (To those, in particular, the routines: a) "State Housing Certificates for 2004 – 2010" b) "Resettlement of Russian citizens from dilapidated Housing Fund ", c)" Housing for participants of the liquidation of consequences of radiation accidents and disasters ", d)" Housing for Russian citizens to be resettlement to complex "Baikonur", e) "Ensuring housing for refugees and internally displaced persons in the Russian Federation ", e), and others). The program has two main areas: Housing Mortgage Lending (priority) and subsidies acquisition of housing. Only the first phase of the activities listed by the State routines were spent over 59 billion rubles.