Cуществуют (кроме откровенно мошеннических) три модели жилищных кооперативов. Первая построена по принципу "пирамиды", вторая работает по схеме "живой очереди", и третья, наиболее сбалансированная, – где сроки накопления и рассрочки взаимосвязаны. В любом случае пайщик сильно рискует своими деньгами.
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