- The question, of course, rhetorical. Any normal person will always seek to live more comfortably. But how to do this? Of course, if you have a bag of money, then no problem. However, the majority of Muscovites are no tight wallets. In this case, or queue up to receive free social housing, or try to buy low-cost apartments on preferential terms.

In turn you can stand for twenty years. After all, today the city in the first place to fulfill their obligations to each of the 173 of thousands of Muscovites who have embarked on the record before March 1, 2005, ie before the entry into force of the new Housing Code. At least this year the city must pay to the waiting list in 1986 for setting records, waiting lists in 1988 and all vneocherednikami. When others get housing, hard to say. Moreover, if the citizens stood in queue for social housing recently.

You have to understand that housing is not free - to pay for it, those who buy flats at commercial prices. As they say free cheese is only in a mousetrap. Each investment contract laid the proportion of the city (at least 30 per cent), received by the city can provide housing waiting lists. Thus, buyers of apartments in new buildings, whether or not the Muscovites pay at least 30 percent surcharge.

Today, the price of housing has reached incredible heights - for the past five years the cost of square. meters increased by 300 percent to 100 thousand rubles. As a result of the acquisition of housing was not affordable for the vast majority of Muscovites. For example, the usual family to Moscow 10 years do not eat, drink, do not dress to save up for 1-room apartment. According to specialists, housing affordability index (the time during which you can accumulate on the flat) is almost 10 years.

However, most likely this sly figure. The fact that banks in their calculations take into account only 30 percent of income that the family is ready to defer to the apartment. With this, more understandable approach, this figure will increase to 33 years. However, any method of calculation is only one conclusion - this housing is not available, even an emerging middle class, not to mention the families with low incomes.

How in such a situation can solve the housing problem? Recently, the Moscow city government has approved in general, medium-term program `Muscovites - affordable housing 'for the next three years. The document caused by life itself, by the housing problems that face today from Moscow. In particular, at a meeting of the government cited the following figures: about 50 percent of Moscow households want to improve their living conditions. 62 percent are ready to accelerate the solution of these problems by buying an apartment, with 41 per cent is even prepared to move to its suburbs because of more favorable price situation on the regional housing market.

In this program, in my opinion, contains five nodal points to help the Muscovites to solve their housing problems. According to the head of the Department of Metropolitan Housing Policy and Housing Peter Saprykin, currently 60 percent of real estate in Moscow is acquired either from out of town, or for speculative resale, which also affects the increase in the value of apartments. This raises the question: for whom, then, we are building in the city shelter? To increase the affordability of housing city government offered to developers to reserve affordable generic housing up to 80 per cent of the land for sale Muscovites who live in the city of not less than 10 years. In this case, 30 percent of these apartments must be sold at a fixed price agreed upon with the city (assuming sale price will be at least twice lower than the market.) Another 50 percent of the investor can sell on its own terms.

The right to purchase in this case will be provided once to exclude the possibility of speculation. If someone will buy and immediately resell the apartment, you will have to pay income tax at a rate of 13 percent. It is also planned portion of housing is not built to sell and use for the lease of citizens.

Of course, this is not so simple. As experts say the housing market, some of the apartments purchased for the new program would be speculative. Thus, it is likely the development schemes under which Muscovites will serve as front men in exchange for a percentage of the transaction. The second option for a `maneuver '- buying housing entities. Regarding their no restrictions. But in any new case without costs is necessary. When the new mechanism will be launched, it will be seen, what is necessary to introduce a positive change.

The second nodal point. This is one of the well-forgotten tool to solve accommodation problem - housing cooperatives. I think this system should be revived under the control of the Moscow government, to avoid those or other linings. Basis of such cooperatives - land mortgage. CAV to own land for housing. This asset can be used by the cooperative as collateral in obtaining a bank loan to finance the construction. When construction is completed, the debt of the cooperative to restructure its debt of shareholders for mortgage loans. As a result, this scheme will allow shareholders to receive housing virtually at cost. In this scheme can fit into many categories of Muscovites - families with children, young professionals, to budget, etc.

The third nodal point program - rental housing. Of course, today the consumer demand for rental in our country are not as motivated as motivated by the acquisition of home ownership. According to the Institute for Urban Economics, only 6 percent of Russian citizens psychologically ready to solve the housing problem by renting. However, when respondents were asked about their willingness to use the mechanism provided partial support of the state, then the positive answer given is twice the respondents (12 percent).

The Moscow authorities have decided: rental and can be. to develop. This should be developed to provide a mechanism. In particular, we plan to create a state unitary enterprise, which would assume those functions that are not able to perform other structures. First of all PMU should be an organization that seriously defends the right of employers. He will hold the passports of apartments, including the overall condition of the apartment, and engineering equipment, the presence of furniture and household appliances, etc. Given all this, and will set the price of rent.

Today across the country there are around ten tenement houses, rent apartments in which can only very rich people. Accessibility of tenement houses in which the working student, young family or any other person could rent a house for a few years, do not. The fact is that the payback periods of expensive apartments are much smaller than that of economy-class apartments. Here are a tenant and fight three skins, demanding a monthly spread of about 100 thousand rubles for a comfortable apartment.

Way to solve this problem alone - the city should build residential houses, including the means of the city budget - it will give another lever of economic management of real estate market. Rental housing in such houses should be long-term, affordable, and include the possibility of redemption.

The fourth nodal point - the waiting. The program proposes a series of measures to reduce the maximum waiting time warming up to 10 years of waiting and `cut` number of turns in 2 times. In particular, it is proposed to differentiate the prices of apartments that are waiting to get payment deferrals, or using social mortgage so that they depended on the year, the recording and the availability of benefits. As a result, have taken the place 10-15 years ago will pay less than those adopted at the recent record. Invite all categories of waiting scheme, applied in 2003 only to young families - recruiting in the city apartment `revolving 'use. It accumulates the amount of waiting the first payment on a mortgage to the conservation law for a grant to purchase their own apartments. Passing the waiting area 'for the departure of citizens `and unclaimed property. Identify as a result of re-registration waiting list who have lost their reason for granting accommodations or the right to housing benefit.

In order to reduce all of the apartments proposed development in the recruitment market housing in the private or public housing. In this part of the rent (up to 70 per cent) will be offset by waiting from the city budget. Moreover, now the capital of more than 120 thousand Muscovites have several apartments, which, according to the Department of Housing Policy in Moscow, could also take on social employment waiting.

Fifth nodal point - families with children. This is another category of Muscovites, which requires special care. The developers' programs are offered to extend their youthfulness' to 35 years - that is, five years to raise the limit participation program `young family - Affordable Housing '.

Planned to write off part of the debt for an apartment in the birth of a child, reduce the purchase price on the value of 30 kV. meters for families with three or more minor children, to reduce the initial payment under a contract of sale with payment by installments. Not Registered consisting of housing for families who have given birth three or more children, set the priority for entry into specialized housing cooperatives. And finally, another proposal, one might say - dreamboat! On land not suitable for high-rise building, we could build affordable houses or town houses for large families - the waiting.

And the last. The Department of housing policy has a number of proposals in connection with the fact that next year in Moscow, declared the Year of the Child. In particular, in the capital, there is a special program for all large families with five or more children, comfortable housing. This year, the apartments will have 112 out of 260 such families. In the next - the rest of the family, although the program will run for three years.