Residents have taken the mortgage loan has not fulfilled its own obligations to the Bank, it will not remain on the street. The deputies proposed a bill on which the debtors under the mortgage will be given more social housing. This proposal will be considered in the state Duma in the 1st week of November 2014, and the main configuration to touch the Housing code. The basic idea is, if people are not able to make his own obligations under the mortgage and bought a house mortgaged to the Bank and the Bank alienates her own benefit, "victim" should be given more urban housing according to the norms of sonyma. But this will affect only those who have lost housing is the only housing. "The social function of the country is directly to ensure the balance of interests of the parties: on the one hand, it is impossible to make a homeless debtors, other creditors eligible for the repayment of debt", - is told in the explanatory Memorandum of the bill. Experts positively consider this action by lawmakers, but consider that for the non-payment of mortgages and the loss of housing, "angle" of the victim should not guarantee the municipality, and the Bank itself. "I think it would be objectively if the bill foresaw that if the person is unable to repay the loan and the house goes to the Bank, the Bank will implement it, part of the proceeds forwards on debt repayment, reimbursement of costs incurred, and some cash to buy a more modest apartment to someone in the end and without cash and without housing", - quotes "Russian newspaper" the head of the Institution for social policy and socio-economic programs of the national research UNIVERSITY "Higher school of Economics" Sergei Smirnov. This will increase the responsibility of banks issuing mortgages and stimulated them less likely to alienate housing. Currently, when receiving mortgage, citizens are obliged makes 1st installment, then start to pay monthly payments. Because of the alienation of the estate in favour of the Bank, people lose most of their own funds that they can spend on housing with smaller space or support their temporary accommodation. Deputies propose the following solution to the housing problem - if people can't repay the loan, you need to give him the right to put the house for sale and acquired the means to share - to give the Bank all that is necessary, and part of the funds remaining. One additional solutions are not payments of mortgage loans, experts suggest to use the insurance of civil liability of borrowers. This will allow you to create an insurance Fund from which you could repay outstanding loans.