The current 2018 was marked by the double increase in activity in the real estate market. However, bankers are concerned about the fact that the increase in value and increase in mortgage rates outflow of potential borrowers will entail? In addition, forecasts indicate that in the near future the growth of these indicators will remain. Therefore, many participants in the housing market would like to preserve the results in the field of mortgage lending, they hope to do this with the help of state programs. First of all, this applies to the program to subsidize some of the interest rate on housing loans, as well as the implementation of the project to create a housing construction accumulation system in Bashkortostan.