Abstract
The article analyzes the dynamics of availability of housing for Ukrainian citizens in 1990-2017 years. The social and commercial availability of housing is investigated. The refined author's methodology for determining the commercial availability of housing was applied in the article. The actual values of social accessibility of housing in 1990-2017 years, and the commercial affordability of housing in 2011-2017, as well as trends in their dynamics are defined also. It is shown that the coefficient of social availability of housing has promptly fell from 1990 to 2010 years, and in 2011-2017 it has reached a critical low level. This proves that the government of Ukraine was actually discharged from the problem of social availability of housing and it has not developed modern effective tools for solving the housing problem of the poorest layer of citizens, who really need social housing. It is revealed that the mechanism of bank mortgage lending evolves in the direction opposite to the increase of affordability of housing. This indicates the need for radical changes in the state regulation of the mentioned mechanism. It is proposed to introduce new mortgage institutes in Ukraine, particularly, such as savings and credit, and to adapt the best examples of foreign experience for the sphere of state housing policy with the purpose of real increase of the level of availability of housing for Ukrainian citizens.
Highlights
IntroductionThe problem of housing availability for Ukrainian citizens has remained as an inheritance from the Soviet Union and during the years of independence, it has only deepened
The aim of the article is to make a comprehensive assessment of the dynamics of housing availability for Ukrainian citizens in the period from 1990 to 2017 years, in order to identify the causes of negative tendencies and development of practical recommendations for raising the level of either social or commercial availability of housing
We can construct a trajectory for the availability of housing for citizens of Ukraine under the mortgage scheme (Image 2) on the basis of the results presented in the Table. 2
Summary
The problem of housing availability for Ukrainian citizens has remained as an inheritance from the Soviet Union and during the years of independence, it has only deepened. Citizens of Ukraine are provided with housing in 2-3 times worse than citizens of developed countries (Kovtun, 2014; Filipishyna et al 2018), and, besides, the absolute majority of houses were built in Ukraine during the Soviet Union time and nowadays they are often in a transient condition. The number of Ukrainian families and single citizens who receive housing, from those who are in the housing register list decreases, and that means the social availability of housing decreases. In 2014, about 3000 families and single citizens, who were in the housing register list, have received housing, and this is twice lower than in 2013
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