As a matter of fact, Russians have a huge problem with construction of residential complexes. Very often you give the first investment for a new house, which will be never built (fly-by-night companies). Or your developer gets bankrupt because he made wrong calculations. Or you are lucky and you get your flat (finally!) – but most parameters are wrong, therefore you go to the court and lose the fight, as it appears that your papers were falsified..
Paying at least 10% for the mortgage and not getting ANY flat at all became a nightmare for Russians. Have a look (using Google translate) at a black humor website , which is showcasing how a usual “flat of your dreams” may look like.