Applications from large families are usually considered very quickly. In the event of a positive decision of the bank, such a family receives a state subsidy equal to one third of the cost of future housing. All families participating in the federal program for providing housing for those in need of young families and standing in line until March 2005 have the right to such a subsidy. Participants in this program also have the right to another type of state subsidy in the form of a purchase of 30 square meters of future housing at the expense of the state. The issuance of such loans and the procedure for their repayment are strictly regulated and controlled by the state. The list of requirements for the borrower is put forward quite strict, especially to part of the documentary confirmation of social insecurity and stability and the size of monthly earnings. When issuing this type of loans, the provision of guarantors is often required. A package of documents necessary for obtaining a mortgage loan varies depending on the bank. But the main documents include the following: