As can be seen from the above features of social lending, in order for a large family to count on obtaining a preferential loan and state subsidy, it should, as in the situation with the program “Affordable Housing to a Young Family”, be recognized as needing to improve housing conditions. In Moscow, quite active construction of entire residential areas, apartments in which are intended specifically for young and large families, and are sold at favorable preferential prices. Unfortunately, so far the issue of improving housing conditions continues to be quite acute, but attempts to change the existing situation from time to time are made both by the state and from local authorities. So, for example, large families standing in line and expecting a future apartment, it is proposed to compensate for part of the rent for the apartment in which they live at the moment. This compensation is approximately half the average market value of renting similar city apartments.