The article dwells upon one of the most essential needs and benefits of the population – providing their own housing. Most young people are unable to solve housing problems on their own, so government support is significant to them. The issue of creating appropriate conditions that will increase the level of housing for the population is still relevant today. Theoretical and practical results of the study were obtained using the following methods: synthesis, analysis of evaluation methods, logical generalization. The works of many domestic scientists are devoted to the research of the problems of the state housing policy, among which: V.O. Omelchuk, V.B. Averyanov, M.F. Holovaty, P.I. Shestopalov, E.A. Sokolovskiy, E.O. Bublyk and others. The article analyzes the state and identifies the main features of the implementation of state programs of youth housing loans. Insufficient state funding for these programs, the constant growth of the number of citizens who need the state to ensure appropriate social living standards. All this encourages the search for new ways to improve the availability of real estate financing systems. One of them may be affordable mortgage loans. This will allow to effectively develop, in addition to housing programs for youth soft loans, a socially oriented mortgage market. Proposals have been made for the provision of affordable mortgage loans, depending on the level of solvency of the population, which will solve critical social problems of both young people and other categories of citizens. The opportunity to get their own housing in the future will increase the level of protection of vulnerable social groups, which in turn will encourage people to live and work in Ukraine.
Purpose. The study of content features that are inherent in the rating process and methods for forming the rating, which allow ensuring the effectiveness of procedures for decision-making. methodology. Theoretical and practical research results were obtained using the following methods: synthesis, analysis-to identify the features of the rating formation and to analyse the evaluation methods; constructive and logical methods-to construct a model of decision-making in the rating management system; logic synthesis, economic and mathematical modeling-to develop a scientific and methodological approach to rating evaluation. findings. It was established that the basis of rating process and rating management is the concept of decisionmaking by potential users through the use of ratings in the implementation of the basic management functions. On the basis of the analysis, the general classification of methods for forming the rating was carried out, which enables the secure assessment procedure, effectiveness of management decisions and builds the interconnection circuit of the stages of forming the techniques rating. originality. Classification of methods and stages of ratings formation was designed, which makes it possible to take into account the features of rating calculation in decision-making. It was proved that the determining factor is the problem of development of the theory of rating management as well as the process of development and application of scientifically based models of the rating assessment. Practical value. A scheme of interconnection of formation stages of rating methodologies was built that is provided as a flexible, integrated system that encompasses techniques, methods and models in the management based on rating and allows adopting effective management decisions.
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