HOW TO BUY AN APARTMENT WITHOUT AID OF THE BANK? 
The bank is not needed when people are able to organize and negotiate with each other! The bank must pay a premium in a few times! It is very expensive and very long! If the monthly payment to 3600 UAH. (43200 per year), then 3,000 of them this is only the interest on the loan (this is 30 years old! At 15% per annum and such rate is long gone!)
Now take the 12 families (24 people. employees) who agree to collect and annually 10 000 UAH. each (833 UAH. per month with one or 1666 USD. per couple).
In sum, we obtain 240 000 UAH (about 30 000 dollars.) Approximate cost of onebedroom apartment in the regional centers. Buy an apartment. Bought an apartment you can rent. It takes a year. We believe:

24 people. X 10 000 UAH. = 240 000 UAH. buy apartment 
24 people. X 9400 = 225 000 14 400 rentals per year = 240 000 buy second 
24 people. X 8800 = 211 000 28 800 240 000 rent = buy 3rd 
24 people. X 8200 = 196 800 + 43 200 240 000 rent = buy 4th 
24 people. X 7600 = 182 400 + 57 600 240 000 rent = buy 5th 
24 people. X 7000 = 168 000 72 000 240 000 rent = buy 6th 
24 people. X 6400 = 153 600 + 86 400 240 000 rent = buy 7th 
24 people. X 5800 = 139 200 + 100 800 240 000 rent = buy 8th 
24 people. X 5200 = 124 800 + 115 200 240 000 rent = purchase 9th 
24 people. X 4600 = 110 400 + 129 600 240 000 rent = buy the 10th 
24 people. X 4000 = 96 000 144 000 240 000 rent = buy the 11th 
24 people. X 3400 = 81 600 + 158 400 240 000 rent = buy the 12th 
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Every year the amount of payments decreases (increases as income from the rental of apartments purchased) and the last 34 years when the annual amount of 4.5 yew.
UAH. can no longer be years and smaller periods (58 months). Then do not need 12 years to 12 years and less.
Now the practical and legal part. The first apartment is made for one family, the second on another, etc.
but they do not live there (because of equal conditions for all). In the purchased apartments can live on those who have not yet been framed apartment
but they pay rent for it (the sum of annual payments not increased for all). Total in 6 years, we get the following picture: bought 6 apartments, decorated them in 6 families and live in them the other six families!
A couple of years and all lived in their apartments!
Now calculate how much to pay each family for 12 years \ periods. 10 000 + 9400 + 8800 + ... 3 400 = 80 400 x 2 = 160 800
UAH. for an apartment that costs 240 000 USD. (Excluding the amount of payment of rent if the family lives in an apartment purchased).
Of course numbers and contingencies are taken for simplicity. Renting an apartment may not be 1200 UAH. in a month in 1100 or 1300 USD.
After a year or second apartment may become more expensive as well as cheaper, but still pay all equally!
The disadvantage of this system may be the human factor. When you do not know what you want, do not trust anyone or
do not want to wait for many years. Go then to the bank to pay more money and wait until 2030 years to repay the loan!
Another possible problem if someone loses his job and unable to pay. Then, or someone else to find (another family)
or pay more or wait 12 months to collect the necessary sum.
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