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Ershova A.A., Peredelsky A.A. Sociological analysis of the current practical implementation of domestic social mortgage programs for young low-income families. Cognitive Sciences in the Information Society. 2025; 5(1). Available at: https://knio.ru/PDF/01KN125.pdf (in Russian).

Sociological analysis of the current practical implementation of domestic social mortgage programs for young low-income families

Ershova Anna Armenovna
Solnechny Svet, Moscow, Russia
E-mail: Sarkisova.anef@yandex.ru

Peredelsky Aleksey Anatolyevich
Russian State Social University, Moscow, Russia
E-mail: Alexperedelskiya@mail.ru

Abstract. The relevance of the topic of the presented study is directly related to national priorities in the field of social policy aimed at strengthening social stability and reproducing a healthy social foundation of society. The availability of affordable housing provides stable family and living conditions, creates a relatively favorable environment for raising children, thereby helping to reduce the level of social tension and strengthens the existing social structure of society. For these and other reasons, in the current socio-economic conditions, it is becoming important to ensure the basic needs of low-income families and to create mechanisms that will provide them with equal access to adequate housing without an unjustified financial burden.

The problem of the study lies in a real and escalating contradiction, the essence of which is as follows:

• on the one hand, the social significance of solving the issue of affordable housing for low-income families is absolutely obvious: its resolution contributes to strengthening social stability, reducing the risk of marginalization, and ensuring conditions for the normal development of the younger generation;
• on the other hand, in the domestic conditions of increasing financial imbalances and politically forced redistribution of budget funds, it becomes necessary to clearly and decisively improve the mechanisms of social mortgages, based on recognized theoretical concepts and empirical data that have already received a positive assessment from domestic and foreign experts.

The aim of the study was to obtain a comprehensive understanding of the mechanisms and factors that determine the availability of social mortgages for low-income families, given the relevance and problematic inconsistency of the topic of practical implementation of domestic mortgage lending programs.

Organization and methods of the study: to achieve the stated goal, a general comprehensive specific sociological study was organized and conducted, including several private pilot and descriptive specific sociological studies using various scientific and empirical methods for obtaining secondary and primary sociological information. The combination of several types of private specific sociological studies made it possible to solve the corresponding sequence of research tasks.

Keywords: social mortgage; young family; young low-income families; lending; barriers; social stability; finance

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