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Introduction. The study of the problems of families wishing to improve their housing conditions has revealed an increase in the level of need of the population, where innovative mechanisms implemented on the basis of programs for the resettlement of residents from dilapidated and emergency housing are of particular importance. Complex socio-economic processes of the last three years only aggravate these problems. Materials and methods. We used open statistical data on the cost of housing and investment indices, data on the dynamics of housing affordability in cities and urban agglomerations. Data processing was carried out using structural, comparative and statistical analysis. The material for the study were the works of domestic and foreign authors, describing the experience of implementing innovative mechanisms to solve housing problems. The analysis of factors affecting the effectiveness of implementation of the basic elements of the innovative mechanism to solve housing problems in the Russian Federation was carried out according to the algorithm of correlation and regression analysis using MS Excel tools. Results. The paper presents the results of the study of the values of housing costs and indicators of investment indices as of 2021. The study made it possible to assess the changes taking place in the dynamics of housing affordability in cities and urban agglomerations, to identify the composition of the main elements of the innovative mechanism for solving housing problems in Russia. Structured the elements of the mechanism for solving the housing problem through a system of state regulation, the mechanism of external regulation, the system of leverage, and innovative tools. The key factors affecting the resulting indicator — the proportion of families who have the opportunity to buy housing were identified. Conclusions. The paper presents the results of the study of the values of housing costs and indicators of investment indices as of 2021. The study made it possible to assess the changes taking place in the dynamics of housing affordability in cities and urban agglomerations, to identify the composition of the main elements of the innovative mechanism for solving housing problems in Russia. Structured the elements of the mechanism for solving the housing problem through a system of state regulation, the mechanism of external regulation, the system of leverage, and innovative tools. The key factors affecting the resulting indicator — the proportion of families who have the opportunity to buy housing were identified.

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