— Mortgage holidays are a tool for emergency assistance to citizens who find themselves in difficult situations. This includes loss of income, health problems or housing problems in the event of an emergency. For the individual housing construction segment, such a program is very important. Why? A house, especially if it is still under construction, is still a less liquid object than an apartment. Especially the studio. As a rule, people put their soul into it, create a real family den and expect to live in it until old age. This is not a one-room apartment with the prospect of three rubles, when the family “grows fat” and children are born,” said the owner of the Lazovsky House construction company, Maxim Lazovsky.