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Journal articles on the topic 'Mortgage Development'

Author: Grafiati

Published: 3 June 2025

Last updated: 31 July 2025

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1

Buranbaeva, Lilia Z., Albina F. Garifullina, and Guzel A. Musina. "MORTGAGE LENDING MARKET: RESULTS OF 2022 AND FORECAST FOR 2023." Vestnik BIST (Bashkir Institute of Social Technologies), no. 1(58) (March 30, 2023): 57–63. http://dx.doi.org/10.47598/2078-9025-2023-1-58-57-63.

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The subject of the study is the mortgage lending market. The purpose of the study is to consider the problems and prospects for the development of the mortgage lending market. The objectives of the study are to reflect the key trends in the development of the bank mortgage lending market in the face of geopolitical uncertainty, to consider expert opinions regarding the forecast of its development. The novelty of the study: the problems and prospects for the development of the mortgage lending market are identified, the forms of its state support are considered. Conclusions: affordable loans ar

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2

Juzikienė, Renata. "Peculiarities of Enterprise Mortgage as a New Form of Commercial Charge." Baltic Journal of Law & Politics 11, no. 1 (2018): 85–107. http://dx.doi.org/10.2478/bjlp-2018-0004.

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Abstract Enterprise mortgage is a new form of commercial charge applicable in the law of Lithuania since 1 July 2012. An enterprise mortgage as set out in the national law is distinct by its object, i.e. that an enterprise mortgage allows charging an enterprise as a whole, as an immovable property item; by the debtor’s (grantor’s) right to use the mortgaged assets in the ordinary course of business by transferring them to third persons free from encumbrance; also by the opportunity for the enterprise mortgagee to enfroce his rights by special method of enforcement: the enterprise purchase and

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3

Usmanova, D. F., and S. P. Syrygin. "IMPACT OF THE COVID-19 PANDEMIC ON THE DEVELOPMENT OF MORTGAGE LENDING IN RUSSIA." Social’no-ekonomiceskoe upravlenie: teoria i praktika 18, no. 2 (2022): 58–65. http://dx.doi.org/10.22213/2618-9763-2022-2-58-65.

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Relevance of the research topic. The coronavirus crisis has had a controversial impact on the mortgage market. On the one hand, mortgages during the Covid-19 pandemic have become more profitable due to lower interest rates and a decrease in the size of the down payment. On the other hand, for many citizens who are faced with the loss of work or a decrease in income, mortgages during the coronavirus period have turned into an overwhelming debt. Government support in the field of mortgage lending during the Covid-19 pandemic spurred the growth of mortgage loans, this support helped to meet part

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4

Stepanova, D., and D. Mironova. "Forecast and Development Prospects of the Russian Mortgage Market." Scientific Research and Development. Economics of the Firm 9, no. 4 (2021): 57–66. http://dx.doi.org/10.12737/2306-627x-2020-57-66.

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The study discusses the current state of the mortgage market in Russia, identifies its main trends and trends of further development based on the results of market analysis for 2018-2020. The dynamics of the volume of issued housing mortgage loans in Russia as a whole and in the context of federal districts, the dynamics of interest rates for various types of mortgages are presented, the trend of reduction of credit institutions providing mortgage loans is analyzed, and the rating of Russian banks in terms of the volume of mortgage loans is presented. A factor analysis of the volume dynamics o

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5

Tropina, Zh. "Development of digitalization processes in the mortgage and mortgage securities markets." Siberian Financial School, no. 1 (April 18, 2025): 27–35. https://doi.org/10.34020/1993-4386-2025-1-27-35.

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Significant rates of development of the Russian mortgage market and the mortgage securities market against the background of the implementation of the digitalization of the economy and the digital transformation of the processes of public administration, the activities of financial market entities, etc. determine the relevance of this study. The author focuses on the study of issues related to the introduction and development of such a significant instrument for the segment of mortgage securities as electronic mortgages; the advantages of this security for ensuring a larger-scale mortgage secu

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Pavlova, I. YU, and U. S. Smirnova. "Certain Issues of the Practice of Applying the Rules on Mortgages under the Contract." Siberian Law Herald 2 (2021): 42–47. http://dx.doi.org/10.26516/2071-8136.2021.2.42.

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Some aspects of the application of norms in the field of mortgages by virtue of the contract are considered: the interpretation of paragraph 1 of Article 78 of the Federal Law «On Mortgage (Pledge of Real Estate)», the problem of eviction of citizens living with the mortgagor, the legal meaning of the purpose of the loan during foreclosure on property. The article analyzes the possibility of securing the debtor’s non-property obligations with a mortgage, the risks of the mortgagee when issuing a loan (credit) amount. It has been established that regulation of both targeted and non-targeted loa

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7

Алиев, О. М. "Development of digital mortgage in a bank." Экономика и предпринимательство, no. 10(135) (January 10, 2022): 187–93. http://dx.doi.org/10.34925/eip.2021.135.10.033.

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В статье рассмотрено внедрение двухуровневой системы ипотечного кредитования, которым занимается АО «ДОМ.РФ». Приоритет ДОМ.РФ - рефинансирование ипотечных кредитов. Показано, что двухуровневая модель ипотечного кредитования открывает большие возможности для государственного регулирования рынка ипотечного кредитования, а через него - рынков недвижимости, ценных бумаг и макроэкономического регулирования в целом. Проведен анализ заключения цифровых сделок по ипотеке в банке ДОМ.РФ и анализ статистики банка по цифровому ипотечному кредитованию. Сделаны рекомендации банку ДОМ.РФ и в целом банковск

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ROMANOVA, Lyudmila E., Anna L. SABININA, Andrei I. CHUKANOV, and Dar’ya M. KORSHUNOVA. "Revealing of the specificity of mortgage housing lending based on the results of clustering of regions." Finance and Credit 27, no. 12 (2021): 2679–97. http://dx.doi.org/10.24891/fc.27.12.2679.

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Subject. This article deals with the particularities of the development of housing mortgage lending in the regions of Russia. Objectives. The article aims to substantiate the need for clustering of territorial entities by level of development of mortgage housing lending in Russia and test the most effective algorithm for mortgage clustering of regions. Methods. For the study, we used a systems approach, including scientific abstraction, analysis and synthesis, and statistical methods of data analysis. The algorithm k-medoids – Partitioning Around Medoids (PAM) was also used. Results. Based on

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Luneva, Evgeniya I. "ANALYSIS OF MORTGAGE LENDING IN THE RUSSIAN FEDERATION." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 9/15, no. 150 (2024): 112–21. https://doi.org/10.36871/ek.up.p.r.2024.09.15.013.

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The article examines modern challenges and development prospects of mortgage lending in the Russian Federation. It analyzes government support for mortgage programs, including initiatives such as the “Family Mortgage” and “Preferential Mortgage” programs. Special attention is given to the digitalization of the mortgage process, the introduction of online services and platforms, and the development of “green mortgages” with the implementation of eco-social standards. Key issues of the mortgage market, including high household debt, a shortage of affordable housing, and banking risks related to

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10

Шибаршина, О. Ю. "MORTGAGE DEVELOPMENT IN RUSSIA." Вестник Тверского государственного университета. Серия: Экономика и управление, no. 1(61) (March 28, 2023): 47–54. http://dx.doi.org/10.26456/2219-1453/2023.1.047-054.

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Цель статьи - анализ динамики развития ипотечного кредитования в России и характеристика ипотечных кредитов в РФ. Научная новизна исследования состоит в изучении современных тенденций и особенностей развития данного вида банковской сделки с целью получения дальнейшей возможности совершенствования ее механизмов. Показана динамика ставок ипотечного кредитования, динамика средневзвешенного срока ипотечного кредитования в России. Рассмотрена средняя стоимость жилья в России на первичном и вторичном рынке. На основе проведенного исследования сформулирован вывод о том, что в настоящее время является

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Andrieieva, Olena. "MORTGAGE LENDING AS A FACTOR OF SOCIAL AND ECONOMIC DEVELOPMENT OF THE COUNTRY." Collection of scientific research papers State University of Infrastructure and Technologies Section “Economics and Management”, no. 55 (June 28, 2024): 6–12. http://dx.doi.org/10.32703/2664-2964-2024-55-6-12.

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A mortgage and a mortgage loan are components of the mortgagesystem, the evolution of which dates back several millennia. During this period, there was a transformation of views on the mortgage -from a pledge -a plot of land to an understanding of the mortgage as a financial instrument in the mechanism of socio-economic development of the country.In the lands of Ukraine, the mortgage system arises and develops simultaneously with the development of banking. At the end of the 19th and the beginning of the 20th centuries. a network of mortgage banks was formed on the territory of Ukraine, and mo

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12

Chu, Huynh Van. "Mortgaging a Residential Construction Investment Project: Comparison of Vietnamese and Chinese Law." Journal of Law and Sustainable Development 11, no. 9 (2023): e875. http://dx.doi.org/10.55908/sdgs.v11i9.875.

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Objective: The primary objective of the analytical review was to conduct a comparative analysis of the residential construction investment project mortgaging laws in China and Vietnam. The aim was to examine the existing legal frameworks associated with residential mortgages in the two countries and the analysis of areas of similarity, differences, strengths, flaws and drawbacks. The research further evaluates how the mortgage rules protect borrowers and identifies the existing strengths and weaknesses and the systems, and provide the necessary recommendations. Methodology: The review adopted

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al-Darbas, Ahmad Mohammed, and Mohammed Ebrahem al-Wasmi. "Challenges Facing Real-Estate Mortgages in the Arabian Gulf Region." Arab Law Quarterly 33, no. 1 (2019): 81–98. http://dx.doi.org/10.1163/15730255-12331051.

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Abstract This article intends to present the significance of mortgage financing in emerging markets and explain how mortgage financing affects positively the economies of emerging countries. It will also show the legal foundations of the real-estate mortgage law and the prerequisites for a successful mortgage financing system. This article intends to define the main challenges that some consider a hindrance to the development of the mortgage market in the Arabian Gulf countries. From this perspective, a brief comparative analysis of mortgage financing will focus on varying laws and regulations

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14

Yakovleva, T. A. "Transformation of mortgage lending in early to mid-2020s and its impact on the Russian economy." Economics and Management 31, no. 6 (2025): 760–69. https://doi.org/10.35854/1998-1627-2025-6-760-769.

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Aim. The work aimed to develop the conception of subsidized mortgage products and their role in the transformation of the mortgage lending paradigm in the Russian Federation (RF) in early to mid-2020s.Objectives. The work seeks to determine the key stages in the development of subsidized mortgage products in Russia; to identify the specific risks of subsidized mortgage products for borrowers and credit institutions; to assess the impact of subsidized mortgages on the credit and financial system, the construction industry, as well as the affordability of housing in Russia.Methods. The study emp

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15

DOMBROVSKA, Olena, and Andriy BUTOV. "DEVELOPMENT OF THE NATIONAL SYSTEM OF MORTGAGE LENDING FOR THE AGRICULTURAL SPHERE." Ukrainian Journal of Applied Economics 6, no. 3 (2021): 49–57. http://dx.doi.org/10.36887/2415-8453-2021-3-6.

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The article considers the problems of mortgage lending to agriculture on the basis of analysis of its current state and the creation of favorable legal and economic conditions for its development. Today there is a low profitability of agriculture and inefficient use of resource potential, as well as lack of long-term financial resources, so solving the problem of attracting long-term investment resources in agro-industrial production is largely associated with the development of mortgage lending in agriculture. The problem of land mortgage lending in Ukraine is the high risk of lending secured

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KORNEEV, V.V., and D.V. DEMCHENKО. "Credit support for housing construction in Ukraine: recovery opportunities." Market Relations Development in Ukraine №4(215)2019 132 (June 13, 2019): 55–61. https://doi.org/10.5281/zenodo.3245084.

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Research subject. The subject of the study is a set of relations between banks as mortgage lenders and households (as borrowers) regarding lending to housing construction in Ukraine. The purpose of the article is to justify the possibilities of resuming lending to housing construction in Ukraine and further development of the residential mortgage market. наMethodology of work – the methodological basis of the study is the dialectical method of knowledge, the theory of investment, money and credit, mortgages. The following methods were used: systemic, generalization, analysis and synthesi

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YAZLYUK, Borys, Olena DOMBROVSKA, and Andriy BUTOV. "ANALYSIS OF FACTORS AFFECTING THE DEVELOPMENT OF MORTGAGE RELATIONS IN UKRAINE." Ukrainian Journal of Applied Economics 5, no. 4 (2020): 70–79. http://dx.doi.org/10.36887/2415-8453-2020-4-7.

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This article covers the essence of such concepts as "mortgage" and "mortgage lending" in accordance with the current legislation of Ukraine. The main method of creating a national system of mortgage lending is the formation of effective market mechanisms for obtaining long-term financial resources in the financial and credit sphere. On this basis the market of long-term mortgage lending will function with the use of existing market infrastructure and financial instruments that will allow to gradually reduce the cost of mortgage loans to the population and the subjects of economic activity and

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Karavayeva, Yu., and O. Bondarkova. "The problem of attraction of credit resources for long–term mortgage housing lending at the regional level." Bulletin of Science and Practice 398, no. 10(11) (2016): 229–36. https://doi.org/10.5281/zenodo.161101.

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The article analyzes the situation prevailing at the moment in the mortgage market, the problems associated with mortgage lending at the present stage of development, the proposed private options for financing long–term mortgage housing credits allocated possible models of attraction of long–term Bank credit, proposed the creation of a regional market for mortgages as a source of self–sufficient system of refinancing of mortgage lending and the inclusion of regional banks in this kind of lending, considered alternative schemes mortgage housing loans at the regional level. Main methods of resea

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Kurdjiev, Sergey P., and Aleksandr M. Kolkin. "THE MAIN MODELS OF MORTGAGE CONSTRUCTION IN THE REGION: PROBLEMS AND DEVELOPMENT PROSPECTS." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 3/13, no. 156 (2025): 122–33. https://doi.org/10.36871/ek.up.p.r.2025.03.13.014.

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The purpose of the study is to substantiate the regional mechanism of mortgage construction based on the generalization of mortgage construction models in the region. The research materials include scientific papers in the subject area of research, as well as statistical and informational materials from the Bank of Russia. The article uses such research methods as systematic analysis of scientific publications, comparative analysis, deductive modeling, and statistical analysis. Research result: based on a generalization of mortgage construction models, as well as an analysis of the problems an

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Lina Kamilah Tsani and Nynda Fatmawati O. "Keabsahan Pendaftaran Kapal sebagai Objek Jaminan Hipotek." Dewantara : Jurnal Pendidikan Sosial Humaniora 3, no. 1 (2024): 205–21. http://dx.doi.org/10.30640/dewantara.v3i1.2227.

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Mortgages with collateral as collateral for ships are one of the credit agreements that support business activities in the current era of globalization and free trade. Ship mortgages can of course also support business activities in Indonesia because it is an archipelagic country which, when distributing goods between one island and another, uses ship transportation facilities. However, in Indonesia there is no separate law that regulates mortgage guarantees, so legal protection for creditors is very lacking because the mortgage regulations in BW are in practice less relevant for the increasin

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Чуканов, Андрей, and Andrey Chukanov. "Justification of Tools for Estimating Regional Mortgage Lending." Scientific Research and Development. Economics 7, no. 3 (2019): 57–61. http://dx.doi.org/10.12737/article_5cfdfe1b73ade0.35723914.

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In this article, for the growth of mortgage lending in Russia, a complex coefficient for the development level of mortgage lending was created — the Regional housing affordability ratio. The article considers the regulatory framework of the domestic mortgage, to identify marks-indicators of the mortgage state for targeted programs. The key indicator was identified — the housing affordability ratio used in the Mortgage Development Strategy until 2020, and the absence of a similar indicator in the new priority project Mortgage and Rental Housing was noted. The author studies the advantages and n

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Simaeva, Natalia, Altynay Adzhikova, and Yulia Kusmartseva. "Effectiveness of Implementation of Government Programs and Regional Measures to Support Mortgages in Volgograd Region." Regionalnaya ekonomika. Yug Rossii, no. 2 (August 2021): 105–20. http://dx.doi.org/10.15688/re.volsu.2021.2.11.

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The article is devoted to the analysis of mortgage lending in Volgograd region in terms of compliance of the implemented mortgage programs to ensure affordability of mortgage lending for the residents of the region. The relevance of the topic of the study is connected with the need to develop mortgage lending in Volgograd region and increase the efficiency of mortgage programs. The purpose of this article is to identify problems and study promising possibilities to maintain the availability of mortgage loans for citizens of Volgograd region. The article analyzes the state and trends of mortgag

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Savvinova, A. P., and E. V. Sibileva. "Mortgage lending as a tool for socio-economic development in the Arctic zone." Arctic XXI century. Humanities, no. 2 (July 1, 2024): 104–14. http://dx.doi.org/10.25587/2310-5453-2024-2-104-114.

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The problem of housing provision occupies an important place in the socioeconomic development of the Arctic regions of the Russian Federation. Mortgage lending with government support is a key financial instrument in this context. To support the population of the Arctic region, the influx of new personnel and the development of the construction industry in the Arctic, in December 2023 in the Russian Federation launched a new preferential programme «Arctic Mortgage», under which the residents of the Arctic region will be able to buy housing and improve their standard of living. The article pres

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ЖИЛАН, О. Д. "TRENDS IN THE DEVELOPMENT OF MORTGAGE LENDING IN RUSSIA." Экономика и предпринимательство, no. 12(149) (May 21, 2023): 273–78. http://dx.doi.org/10.34925/eip.2022.149.12.052.

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Ипотечное кредитование на сегодняшний день обладает важнейшей значимостью как для развития всей экономики, так и для отдельных потребителей — ипотека обладает высоким потенциалом экономического развития страны, драйвером роста как кредитной системы в целом, так и отраслей реального сектора экономики. С помощью ипотечного кредитования решается одна из важнейших социальных проблем обеспечение населения страны жильем, стимулируется спрос на рынке недвижимости, оживляется строительная отрасль. Кроме того, ипотечное кредитование является ключевым драйвером роста розничного портфеля банковского сект

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Olena Prutska and Oleksandr Zarichuk. "IMPROVEMENT OF STATE MORTGAGE HOUSING DEVELOPMENT PROGRAMS IN UKRAINE." European Cooperation 9, no. 40 (2018): 57–72. http://dx.doi.org/10.32070/ec.v9i40.27.

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The article clarifies that the evolution of the mortgage housing market in Ukraine is complicated by the lack of relevant market mechanisms. Therefore, the formation of a residential mortgage exclusively under the conditions of a free market is related to the risks of uneven development of both the mortgage housing market and its related elements. In order to avoid deformations in the formation of the relevant markets, ensuring their comprehensive accelerated development, a number of incentive measures should be applied by the government. The government-sponsored mortgage lending programs have

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Ganbarov, Fuad, Klaudia Smoląg, Rashad Muradov, Konul Aghayeva, Rumella Jafarova, and Yashar Mammadov. "Sustainable Development of the Mortgage Market in Azerbaijan: Commercial Risks of Housing Construction, Social Vision, and State Influence." Sustainability 12, no. 12 (2020): 5116. http://dx.doi.org/10.3390/su12125116.

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The purpose of this study is to formulate a model for sustainable development of the mortgage market in Azerbaijan, taking into account commercial risks of housing construction, the risks of the construction industry, social visions of mortgages, state pressure, and support. The following five key research stages can be distinguished. Namely, identification of commercial risks of housing construction based on a survey; evaluation of the effectiveness of risk diversification strategy; determination of the social vision of a mortgage; substantiating the main directions of state pressure and supp

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Niyazbekova, Sh U., A. B. Mottaeva, S. Yu Eroshkin, and M. G. Krishtal. "Trends in the development of mortgage–backed securities in modern condition." MIR (Modernization. Innovation. Research) 13, no. 2 (2022): 322–41. http://dx.doi.org/10.18184/2079-4665.2022.13.2.322-341.

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Purpose: to identify objective patterns of development of mortgage–backed securities that determine the prospects of this direction to increase its role in the Russian economy.Methods: the study used general scientific methods of cognition, including comparative analysis, economic–statistical and abstract– logical methods, generalization and complex analysis. The methodological basis is the fundamental provisions of the theory of mortgages, the general theory of mortgage lending, thematic works of domestic and foreign scientists, as well as data from the Analytical Center DOM.RF.Results: the c

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Rybak, Svetlana. "Mortgage and mortgage lending as a tool for financial recovery of the modern Russian economy." E3S Web of Conferences 273 (2021): 08109. http://dx.doi.org/10.1051/e3sconf/202127308109.

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The article is devoted to the institutional analysis of the problem of improving the legal regulation of mortgage relations in Russia in modern conditions in the presence of a rather limited financial capacity of the population in modern conditions to purchase real estate or housing. In this regard, the mortgage becomes the most necessary tool to ensure the socio-economic development of society, its stable and sustainable development. The formation of the property base currently generates a corresponding demand in the real estate market, and develops a corresponding interest among consumers in

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Polishchuk, Natalia, Nadia Golda, and Angelina Yuzdepska. "Mortgage lending as a long-term form of investment." Galician economic journal 94, no. 3 (2025): 102–10. https://doi.org/10.33108/galicianvisnyk_tntu2025.03.102.

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The article examines the state of mortgage lending in Ukraine, the features of its development, and the analysis of the main trends in the mortgage market. The issuance of new mortgages in 2021–2024 takes into account, in particular, changes in the distribution of the primary and secondary real estate markets. The main factors influencing the amounts of mortgage loans are highlighted, including macroeconomic conditions, interest rates, government support, and changes in the preferences of home buyers. It is proven that thanks to mortgages, banks have the opportunity to invest in real estate, w

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Yazlyuk, Borys, Volodymyr Kostetskyі, and Andrii Butov. "Social and economic effects of the development of the mortgage lending market under the conditions of the legal regime of martial law." Ukrainian Journal of Applied Economics and Technology 2024, no. 3 (2024): 36–40. http://dx.doi.org/10.36887/2415-8453-2024-3-6.

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The article reveals the peculiarities of the development of the mortgage lending market in Ukraine and its impact on the socio-economic development of society. Housing mortgage lending allows the optimal combination of the interests of various parties as one of the most reliable ways of attracting private investment through the capitalization of residential real estate, – construction companies, financial and credit institutions, citizens, and the state. The mortgage lending system changes the needs of different social strata of the population, affecting the behavior strategy and adaptation to

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Bochkarova, Maryna. "STIMULATING THE DEVELOPMENT OF RESIDENTIAL DEVELOPMENT THROUGH MORTGAGE LENDING." Economics & Education 9, no. 2 (2024): 14–19. http://dx.doi.org/10.30525/2500-946x/2024-2-2.

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The article is devoted to stimulating the development of housing construction through mortgage lending. The purpose of the article is to determine the role of mortgage lending in the development of the housing sector, in particular through its impact on supply and demand in the real estate market and pricing in this sector. In the course of the research, data analysis, correlation analysis, and methods of forecasting economic trends were used. Graphical methods were also used to provide a clear understanding of how changes in the mortgage market affect the development of the real estate sector

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Obukhova, A. S., E. V. Biktagirova, and A. R. Vladimirova. "Mortgage Lending in the Russian Federation." Proceedings of the Southwest State University. Series: Economics. Sociology. Management 14, no. 1 (2024): 164–77. http://dx.doi.org/10.21869/2223-1552-2024-14-1-164-177.

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Relevance. Today in Russia, more than half of the population feels the need to improve their housing. However, the opportunity to purchase housing without the help of borrowed funds is available only to a small group of citizens. Mortgage lending is the only way that allows you to purchase your own home and make it affordable for the population in Russia. The purpose of the study is to study the current state of mortgage lending in Russia, in particular, changes in average terms, interest rates on mortgages and leaders in the mortgage lending market.Objectives: to identify the role of mortgage

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Nan, Deng, and Liu Nan. "A Study on the Realistic Dilemma and Countermeasures of the Mortgage Rule for Premises." Journal of Economics and Law 1, no. 2 (2024): 136–40. http://dx.doi.org/10.62517/jel.202414218.

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With the development of the economy and society, the scope of mortgage subject matter continues to expand. Article 397 of the Civil Code stipulates the legal provisions on mortgage premises. Currently, China's regulations on mortgage premises are quite followed, and there are some difficulties in realizing mortgages in both theory and practice. Real estate plays a very important role in human life, which is not only the most important transaction object, but also the most important means of mortgage. In response to the problem, the existing reasons are analyzed, and the problem is discussed on

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Shamanina, E. I., S. A. Larina, and S. A. Tadevosyan. "Technologies of virtual reality and perspectives of their application in mortgage lending." E-Management 5, no. 1 (2022): 59–68. http://dx.doi.org/10.26425/2658-3445-2022-5-1-59-68.

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The article discusses issues related to the development trends of the Russian mortgage lending market, reveals the essence and substantiates the relevance of the introduction of virtual technologies in the process of providing mortgage loans. The main purpose of the study is to analyze current trends in the Russian mortgage lending market, identify existing problems in the process of providing mortgage loans, and develop proposals for further development and improvement of this type of lending. Particular attention during the study was paid to the peculiarities of the use of virtual technologi

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Kresnikova, N. "Development of Land Mortgage in Agriculture." Voprosy Ekonomiki, no. 9 (September 20, 2006): 138–48. http://dx.doi.org/10.32609/0042-8736-2006-9-138-148.

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The study focuses on the issues of development of land mortgage lending in Russia based on agricultural land as a security. The experience of other countries and institutional aspects of the Russian system of land mortgage are analyzed. In particular, data on financial schemes of land mortgage are presented as well as basic contracts of land mortgage transactions. The peculiarities of the assessment of mortgage value of land that is the subject of mortgage are considered.

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Volosatii, Carolina. "IMPROVING THE PROCESS OF MONITORING OF IMMOVABLE PROPERTY COLLATERAL." Journal of Social Sciences 5, no. 2 (2022): 164–72. http://dx.doi.org/10.52326/jss.utm.2022.5(2).15.

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Mortgage lending is accompanied not only by the risk of default but also by the risk of deterioration, loss of value or reduction in the value of immovable property collateral. One of the main internationally recommended methods to determine whether the parameters of the mortgaged object, the value, the conditions of its maintenance and operation, the operating requirements are in line with the conditions originally laid down in the mortgage contract is Monitoring. The author, analysing the practices of commercial banks, proposes concrete tools to improve the Monitoring mechanism of mortgaged

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PROSOV, V.M. "Assessment of the current situation in the mortgage market in Ukraine." Market Relations Development in Ukraine №4(227)2020 113 (June 9, 2020): 24–33. https://doi.org/10.5281/zenodo.3886609.

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The object of the study is the mortgage market in Ukraine. The subject of the research is theoretical and methodical approaches to the assessment of the current situation on the Ukrainian mortgage market . The purpose of the study is to carry out an integrated assessment of the current situation in the mortgage market of Ukraine. To achieve this goal, the following were used methods: a systematic approach – to integrate the methodology of scientific knowledge of the factors affecting the mortgage market as part of the global financial system, which allowed to establish the need to take i

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Abmaeva, E. M., T. V. Dobysheva, and I. V. Yamshchikovа. "Housing construction in Russia: state and development prospects." Izvestiya vuzov. Investitsii. Stroitelstvo. Nedvizhimost 15, no. 2 (2025): 192–200. https://doi.org/10.21285/2227-2917-2025-2-192-200.

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The study reviews the current situation in the Russian housing construction market under declining demand and less affordable mortgage lending, sanctions and increased Central Bank key rate, as well as high inflation conditions. The study uses the methods of comparative and statistical analysis, as well as systematization of theoretical and practical material. The analysis is based on the data of 2019–2024 from the Unified Information System for Housing Construction and the Federal State Statistics Service. The federal district leaders for commissioning residential buildings are presented. In

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Aidamirova, L. "To the Issue of Mortgage Development History." Bulletin of Science and Practice 5, no. 7 (2019): 264–69. https://doi.org/10.33619/2414-2948/44/34.

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The question of the history of the origin and development of the mortgage. The historically established stages of the evolution of mortgage and mortgage lending denote the characteristic features of the development of the structure and content of the Russian mortgage in the constantly changing conditions of state arrangement and social life. Each period has its own prerequisites for creating an effective mortgage system in Russia. A comparative analysis of the stages of the reformation is given and the advantages and disadvantages of the mortgage at each historical stage are determined. that t

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Tadtaeva, Naira V. "CURRENT ISSUES OF MORTGAGE LENDING IN RUSSIA." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 6/2, no. 159 (2025): 171–76. https://doi.org/10.36871/ek.up.p.r.2025.06.02.018.

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The mortgage market in Russia is in the process of transformation and development. In order to increase the efficiency and functionality of mortgage lending, a rational solution to the acute problems in this area is necessary. The primary task here is to solve the issue of slow growth of income of the population and significant inflation. Our market is difficult to compare with the mortgage markets of Western countries with developed and relatively stable economies. The relevance of the research topic lies in the constant process of improving mortgage lending in Russia and increasing the effic

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Bedin, Boris, and Natalya Kovalevskaya. "The Impact of the Development of the Mortgage System on the Availability of Residential Real Estate." Bulletin of Baikal State University 30, no. 2 (2020): 326–36. http://dx.doi.org/10.17150/2500-2759.2020.30(2).326-336.

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The article discusses approaches to solving the problem of ensuring housing affordability, which is relevant for many countries, including Russia. The concepts of «residential real estate market» and «housing affordability» are analyzed from various points of view; criteria that characterize housing affordability are defined. The possibilities of using various methods of acquiring residential real estate in a market economy are analyzed. The features of the Russian system of mortgage lending based on a comparison of approaches to determining the affordability of housing in Russia and abroad a

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LOGOSHA, Roman, and Olha KHAIETSKA. "STATE LAND BANK: HISTORY OF CREATION AND DEVELOPMENT IN UKRAINE AND THE WORLD." 3, no. 3(57) (September 28, 2021): 35–63. http://dx.doi.org/10.37128/2411-4413-2021-3-3.

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The article presents retrospective analysis of the creation and development of the State Land Bank in Ukraine. It is substantiated that for the effective functioning of the land market, among other components, the functioning of proper infrastructure and system of state control is necessary, when the State Land Bank or other specialized state institution plays an important role and performs the functions of the market regulator and land manager. Study of the peculiarities of the functioning of mortgage lending systems at foreign countries and the possibility of applying foreign experience for

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Holmes, Cynthia, and Michael LaCour-Little. "International Real Estate Review." International Real Estate Review 10, no. 1 (2007): 151–70. http://dx.doi.org/10.53383/100079.

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We combine loan data from distinct sources to compare and contrast multifamily mortgage lending in Canada and the U.S. After a general comparison of the multifamily housing markets in the two countries, we focus on loan pricing and non-price contract terms in the two environments. We find longer loan terms in the U.S. compared to Canada and attribute this to the greater liquidity available from a more established secondary mortgage market. We also find that while nominal rates are higher in Canada, mortgage spreads are actually lower, a result likely due to contract features that raise the cos

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Defitri, Defitri, Nora Asriani, and Anis Izha Lutfiyani. "Home Ownership Loan Application Procedure (Kpr) Griya For Millenials (Gaul) At PTBank Pembangunan Jawa Barat dan Banten Tbk Kramatwatu." Review of Accounting and Taxation 2, no. 01 (2023): 59–71. http://dx.doi.org/10.61659/reaction.v2i01.149.

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Purpose - This writing is to find out how the procedure for applying for mortgages and find out what factors influence customer interest in choosing a mortgage. Design/methodology/approach - The method used in this research is descriptive qualitative research method. The techniques used in data collection where the data sources obtained are primary and secondary data. Finding - PT. The Regional Development Banks of West Java and Banten, Tbk have procedures that must be followed in applying for mortgages. In addition, PT. The Regional Development Banks of West Java and Banten, Tbk also apply th

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Studinska, Galina, and Viacheslav Prosov. "Assessment of the level of Ukrainian mortgage market development." University Economic Bulletin, no. 46 (September 1, 2020): 160–69. http://dx.doi.org/10.31470/2306-546x-2020-46-160-169.

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The methodology of comparative assessment of the mortgage market is proposed. The study of the Ukrainian mortgage market was conducted in three areas: the preconditions for the development of the mortgage market, the current situation in the mortgage market, and the risks in the mortgage market. The integrated coefficient of the level of development of the mortgage market in Ukraine is calculated. It is substantiated that the level of the Ukrainian mortgage market is in an embryonic state in comparison with the corresponding EU market. The object of study is the mortgage market of Ukraine. The

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АЛЕКСАНДРОВА, Е. А., and Т. П. ШЕВЦОВА. "IMPROVING THE EFFICIENCY OF BANKING ACTIVITIES THROUGH THE DIGITALIZATION OF MORTGAGES." Экономика и предпринимательство, no. 6(155) (August 2, 2023): 1354–57. http://dx.doi.org/10.34925/eip.2023.155.6.255.

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Обобщены проблемы развития цифровой ипотеки, связанные с законодательным регулированием вопросов применения цифровых подписей, обмена данными с государственными информационными сервисами. Приведена модель процесса цифровой ипотеки. Проведен анализ эффективности внедрения цифровой ипотеки на примере банка ПАО «Банк ВТБ». Сформулированы преимущества применения технологии блокчейн для цифровой ипотеки. Предложены направления повышения безопасности цифровых ипотечных сделок. The problems of digital mortgage development related to the legislative regulation of the use of digital signatures, data ex

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Hartanto, J. Andy. "Indonesian Law Development on Housing Collateral." Mediterranean Journal of Social Sciences 8, no. 6 (2017): 109–15. http://dx.doi.org/10.1515/mjss-2017-0047.

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Abstract The collateral law is a provision and rule of law governing the legal relationship between the receiver and the receivable of credit by charging a guarantee. Then in about the loading of Flats with Rescue Rights. Therefore, based on the provisions of Article 27 on mortgage law, the Flats are no longer possible guaranteed by Mortgage and Fiduciary, since the object of collateral with Mortgage and Fiduciary in flats act has become the object of collateral which is burdened with mortgage right by mortgage law. The Right to Land in the Flats can not be burdened with the mortgage right, be

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Muslim, Shohib, Sri Hudiarini, Sholahuddin Al-Fatih, Khrisna Hadiwinata, and Nandaru Ramadhan. "Harmonization of Online Mortgage Regulations as a Form of Legal Certainty." Journal of Law and Sustainable Development 11, no. 12 (2023): e856. http://dx.doi.org/10.55908/sdgs.v11i12.856.

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Objective: The topic of this study is the obligations and role of a notary in the registration of electronic mortgages under the conditions of the 2019 Mortgage Law and the 2019 ATR/BPN Ministerial Regulation No. 9. Legal clarity in the procedures used to electronically register mortgages. Theoritical Framework: The author employed Gustav Radbruch's theory of legal certainty to analyse the issues with this study. Legal certainty can be attained through the application of penalties to legal subjects, including people and legal entities, which places more emphasis on the process of implementatio

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Mishina, Marina Yu, Olga N. Kuznetsova, Аleksey V. Zverev, and Alina A. Malashenko. "THE STATE OF THE RUSSIAN SYSTEM OF MORTGAGE LENDING TO THE POPULATION." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 7/1, no. 127 (2022): 122–27. http://dx.doi.org/10.36871/ek.up.p.r.2022.07.01.012.

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In this article, the authors assessed the current state of the mortgage market for the population in Russia, revealed negative and positive trends in its development. The unprecedented measures taken by the state against the background of the military operation and economic sanctions sharply slowed down the process of issuing mortgages for individuals. At the same time, positive prospects have already been outlined, which were expressed in the expansion of a number of benefits under the relevant mortgage programs. The key measure is a pilot project on preferential mortgages (with an interest r

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Mishina, Marina Yu, Olga N. Kuznetsova, Аleksey V. Zverev, and Tatyana R. Kireeva. "MORTGAGE LENDING TO AGRICULTURAL ORGANIZATIONS OF RUSSIA." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 3, no. 12 (2021): 35–42. http://dx.doi.org/10.36871/ek.up.p.r.2021.12.03.006.

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The authors investigated the problems and prospects for the development of mortgage lending in the agricultural sector of Russia. The study found that the level of mortgage and, especially, land-mortgage lending to agribusiness is not high enough. The reasons - agriculture is characterized by a number of specific risks, land plots (as collateral objects) are financially unattractive for banking institutions, which experience increased risks with long-term lending to the agricultural sector of the economy. As a result, the process of mortgage lending to agricultural organizations presents vario

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