Consider the acquisition of housing through ZhSK. Currently, developers are more often choosing a scheme for the construction (implementation) of buildings as a housing cooperative, that is, housing and construction cooperatives. But there are potential problems here. Consider them. First: there is no fixed cost of apartments. As a rule, with shared participation in the contract with developers, the final value of the object acquired by the shareholder is recorded. There is no reason to worry that with the end of the construction the amount suddenly grows, and without coordination. For a participant in the housing cooperative, such confidence is only the subject of hope. Indeed, the sale of apartments through housing and construction cooperatives is full of nuances, for example, fixing the final price is impossible, and according to the law, the cooperative unilaterally can change it. Second: uncertainty in the deadline. Many lawyers note that equity holders do not have the authority to demand the fixation of the exact deadlines for the completion of construction in the contract. Thus, the cooperative can set such deadlines in its own interests and transfer at its discretion. Here the shareholder can only wait. Third: The insecurity of the rights of equity holders. Note that the existing norms of laws protecting customers are not distributed to HSC equity holders. In addition, the participants do not have the right to demand compensation for losses, they cannot get a penalty through the court, cannot demand the elimination of defects. Fourth: Do not return the money. There is no legal right to claim the refund of the amount paid at the same time upon termination of the contract. If the obligations are violated with the cooperative, then in this case only he will determine the conditions of the return.