In Moscow, in addition to the social mortgage program and the city housing subsidy, for large families standing in line to improve housing conditions, there are options for purchasing apartments at preferential prices, which vary depending on how long this family expects a new apartment. The use of such a “prescription” coefficient allows you to purchase a new apartment at a price of significantly lower than its real market value. Moreover, for socially unprotected large families, in which there are three or more minor children, the city program of free subsidies also operates, which compensates for the 100 % regulatory value of the apartment. The only problem here is that such a normative value often does not coincide much with the market. And the money received is enough only to buy an apartment in the suburbs. Large families may also be offered participation in a preferential lending program without an initial contribution, with a maximum period of 30 years and a deferred payment in the first 3 years. At the same time, the state offers compensation for all monthly payments up to 75% when a new child appears in the family.