In addition, at the birth of a new child, the state covers 18% of the cost of housing, which are deducted from the amount of the main debt on the loan. But only socially unprotected families have the right to receive such a loan, which often include large families. Large families have the right to apply for a program of preferential lending both with the aim of acquiring their first apartment, and with the aim of improving current housing conditions, as well as the construction of a country house or cottage.