Changes of Changes: Personal Life Strategy in the Context of Regional Social and Labour Policy: Purchase of Accommodation

This is the first of three articles in cycle that is dedicated to the regional aspect of change of Russians life strategy in solving the important personal problems like provision of housing, acquisition of income in terms of the profession and merited pension maintenance in the context of the current and prospective changes. The first article concentrates on the solution of housing problem by young Russians and young families. The methods, which are accessible for the citizens of Saratov, were analyzed in terms of the hardest ways without privileges and government support: pledge, housing rent and deposit. The authors presented the digital data on comparison between the popular pledge of OJSC Sberbank and similar ones at the start conditions of housing rent and deposits. Theyve specified the possibility of the reducing time and the amount of payment of the purchased apartment from 20 years, where is the amount of overpayment is 1 850 498, to 4.5-7 years, altogether without overpayments. The basic risks when using discussed ways of the accommodation purchase were demonstrated and specific examples of risks in Saratov were given. There are no absolute priorities when choosing the way of the accommodation purchase, there are examples in the article of a sharp increase of the efficiency within the pledge, and the rent on condition that only one factor has changed. Besides, there are examples of mixed ways including social housing and service housing. Nowadays there is a psychological aspect of the underestimate of the cost-effectively housing rent. As a result we made a conclusion that in spite of the real impossibility to plan and predict the changes, the success of individual strategy of life in solving housing and other important problems depends on the perception and understanding of the changes, on the early use for practical purposes and on the existing life stereotypes.