Housing problems are associated not only with the economic development of the country, but also with the. safety. As you know, housing is one of the conditions of normal human life. The level of education of a person, the presence of a family, work, a demographic situation depends on the living conditions. In general, everyone needs housing. But the solution of this issue is fraught with many problems. One of the ways to solve the problem of providing housing for housing is the application of the experience of European countries that finance construction with the help of savings and construction cash desks.
In our country, an important step towards the development of housing cooperation is the order of the Cabinet of Ministers, which approved the concept of the development of housing cooperation and the introduction of construction and saving cash desks. The purpose of the program is the development of financial instruments for providing citizens with housing and the development of mechanisms to unite the state and citizens to ensure the exercise of citizens of the right to housing.
The introduction of such financing as the creation of a loan building will contribute to the construction of new facilities. But for this you need:
– stimulate deposits through tax benefits, ensure the support of the state of the housing savings system with the payment of state aids for savings;
– to develop the terms and conditions of work of the loan and construction cash desks;
– to form with the participation of the state the Fund for the Protection of the Building Cashier, which will be engaged in the provision of financial support, identify and prevent crisis situations in their work, and the reorganization of the loan and construction cash desks.