Availability of affordable housing is the key to solving of many problems of poverty. Problems of poverty and affordable housing are closely related. Housing is too expensive, to buy or to rent. Families spend a large part of their income just to keep roofs over their heads, and after paying rent or mortgage there is not much left to pay for anything else. That is the main cause of poverty. If we build every year at least one million apartments in modern new cities instead of one million single family homes, it will make housing more affordable. How to finance the construction of the affordable housing?