Quote Originally Posted by Hanna View Post
..............................
I am curious how much the Russian system has changed over the last 20 years, whether people are pleased with the changes and if normal people are now able to find flats that suit them, at a reasonable price.

Hoping to hear about your experiences and finding out how this works, in Russia and the other CIS coutnries.
Hi!
Most "normal people" in Russian cities, who are not owners, have to pay about half of their wages for the flat, be it mortgage or rent. Of course, this is not reasonable and does not make them happier! The prices are high, because there is shortage of flats. It was always so, but over time gets worse, because 1) many flats situated on 1st floor are dedicated now for shops and "offices", 2) many people leave country side places and move to big cities, 3) "new russians" tend to buy many flats (such an investment)

If you are army officer then you can count on the new flat. I believe that it is given as credit with very attractive conditions (though not sure).
Also, in some villages, their government, trying to interest people of specifically wanted professions in coming and working, can build new small houses ("cottages"), but very strict obligations apply.
On top of that, the things are different among regions.
Other people should buy or rent.
I can't agree about rent market: there are LOTS of agencies, providing such services, and many prefer them (more confidence and "template" contracts are being signed). If you have money, you can get flat in few hours (most probably it will be ugly and expensive, but nevertheless).
In 1990s the important change happened: people, who was lucky being official tenants at some moment, could turn their flats in "private property" so, that flats can be sold and inherited.
Best regards,
Max
Omsk, Russia