Peculiarities and problems of implementation of state youth housing loans programs in Ukraine
The article dwells upon one of the most essential needs and benefits of the population – providing their own housing. Most young people are unable to solve housing problems on their own, so government support is significant to them. The issue of creating appropriate conditions that will increase the level of housing for the population is still relevant today. Theoretical and practical results of the study were obtained using the following methods: synthesis, analysis of evaluation methods, logical generalization. The works of many domestic scientists are devoted to the research of the problems of the state housing policy, among which: V.O. Omelchuk, V.B. Averyanov, M.F. Holovaty, P.I. Shestopalov, E.A. Sokolovskiy, E.O. Bublyk and others. The article analyzes the state and identifies the main features of the implementation of state programs of youth housing loans. Insufficient state funding for these programs, the constant growth of the number of citizens who need the state to ensure appropriate social living standards. All this encourages the search for new ways to improve the availability of real estate financing systems. One of them may be affordable mortgage loans. This will allow to effectively develop, in addition to housing programs for youth soft loans, a socially oriented mortgage market. Proposals have been made for the provision of affordable mortgage loans, depending on the level of solvency of the population, which will solve critical social problems of both young people and other categories of citizens. The opportunity to get their own housing in the future will increase the level of protection of vulnerable social groups, which in turn will encourage people to live and work in Ukraine.
Omelchuk, V. (2017). Proposals for the development of a new housing policy strategy in Ukraine. Ekonomika ta derzhava, 12, 23-26. URL: http://www.economy.in.ua/?op=1&z=3922&i=3 [in Ukrainian]
Shestopalov, P. (2008). Mechanisms public policy Ukraine in the field of youth housing building. Derzhavne upravlinnia: teoriia ta praktyka – Public administration: theory and practice, 2. URL: http://academy.gov.ua/ej/ej8/doc_pdf/shestopalov.pdf [in Ukrainian]
Kravchenko, V. (2013). Fiscal and economic problems of “Affordable housing” state program implementation in Ukraine. Investytsiyi: praktyka ta dosvid, 9, 4-7. URL: http://www.investplan.com.ua/pdf/9_2013/3.pdf [in Ukrainian]
Bublyk, Ye. (2014). Macroeconomic and institutional preconditions of the recovery of Ukraine’s mortgage market. Ekon. prognozuvannâ – Economy and forecasting, 3, 41-56. URL: http://eip.org.ua/docs/EP_14_3_41_uk.pdf [in Ukrainian]
Malinovska, A. (2019). Apartment for half price: Affordable Housing and Youth Loaning programs. Fakty. URL: https://fakty.com.ua/ua/ukraine/20190212-kvartyra-za-pivtsiny-programy-dostupne-zhytlo-i-molodizhne-kredytuvannya-infografika/ [in Ukrainian]
Bodnaruk, I.L., Shlapak, L.S. (2018). Peculiarities of the stages of rating assessment formation in rating management system. Naukovyi Visnyk Natsionalnoho Hirnychoho, 2 (164), 136-141.
Pishchyk, O.V. (2018). Strategic planning for the development of housing. International scientific and practical conference world science, 5, 2 (30), 125-131 [in Ukrainian]