Buyer agrees and endorses the buyer-tenant who will be living in the apartment until The buyer will pay fully for the opportunity to shoulder. This allows us to involve buying an apartment as a tenant-buyer of his friends, giving them the opportunity to calculate the time advantage rent housing. The program "Housing step" brings together the interests of buyers who issue and stay on the computation time for the flats and the tenant buyers who do not have today, their homes and forced to rent an apartment on the market. If today's buyer compelled to rent an apartment, which is why most of the earnings is spent on rent, the program "Housing step" recommends not to rush into investing money in buying real estate and not to assume in addition to rent and even the obligation to pay the loan. Other leaders such as Robert J. Shiller offer similar insights. Reasonable to initially make the program "Housing Step" as a buyer-tenant, having the opportunity to rent housing benefit. Main benefits of participation in the program "Housing move 'as the Buyer: – Lack of interest – the lack of fixed monthly payments – no rigid timing of payments – no penalties and fines for overdue and Prepayment – the absence of stringent requirements to the Buyer (citizenship, age, registration and proof of income) – no restrictions on the choice of apartments – the impossibility of cases associated with insolvency of the Buyer – the opportunity to negotiate, amend and supplement agreement – simple way out of the deal initiated by the Buyer – the lack of payments in excess of the amount of the loan (life insurance, all kinds of commissions: for loan fees, application review, account opening, money transfers, etc.). Additional benefits of participation in the program "Housing move 'as the Buyer: – The ability to get a tax deduction to buy a flat and actually back up to 260 rubles. – the possibility of acquiring the dwelling on the program "Housing move 'with the state housing certificates to buy housing – the use of maternal (Family) capital for the purchase of apartments under the program "Housing move '..