Annotation

This article examines the evolving approaches of Russian lawmakers to housing provision for military personnel. It is concluded that the accumulative mortgage system for housing provision for military personnel is designed to most fairly implement the incentive function of housing provision for military personnel, increasing their financial support due to the extension of their service. However, the fate of the only residential property—the subject of a military mortgage—in the bankruptcy of a service member is controversial. It is substantiated that foreclosure on such residential property is permissible only in cases where the service member is discharged from service for less than 20 years. In other situations, foreclosure on residential property is not permitted, as the military mortgage is repaid using funds deposited into the service member's savings account, which is replenished each year of service. These funds do not constitute a debt to the state for the service member while in military service.