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Journal articles on the topic 'Mortgage market development'

Author: Grafiati

Published: 28 May 2022

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

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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3

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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4

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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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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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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7

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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8

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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9

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

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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11

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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Stepens, Elvijs, and Inta Kotane. "MORTGAGE LOAN MARKET IN LATVIA." Journal of Regional Economic and Social Development 16 (December 14, 2024): 133–47. https://doi.org/10.17770/jresd2024vol16.8293.

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Purpose and aim of the study: to examine the mortgage loan market in Latvia. Design / Methodology / Approach: The research employed the following methods: descriptive and logical construction were used for reviewing and analysing research papers and other information sources, as well as for scientific discussion. Statistical analysis was employed to process and analyse secondary data on trends in mortgage loans in Latvia. The graphic method was applied to better represent and compare the research results. Main Findings: It was concluded that the property, housing and mortgage markets were inte

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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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14

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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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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16

Waliszewski, Krzysztof. "Requirements for Intermediaries and Advisors in the Area of Mortgages Resulting from Mortgage Credit Directive– Implications for Poland." e-Finanse 11, no. 2 (2015): 18–31. http://dx.doi.org/10.1515/fiqf-2016-0112.

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Abstract The dynamic development of the mortgage market, especially in the period before the current financial crisis, revealed that within the EU there are local mortgage credit markets and that it is necessary to harmonize the rules of the system and consumer protection within the Community. The intention of the creators of the Mortgage Credit Directive was to organize the mortgage lending market for residential purposes and make it transparent, as well as increase the safety of the consumer credit market, along the lines of what took place earlier in the consumer credit market regulations (

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17

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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18

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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19

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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20

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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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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23

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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24

Cho, Man. "International Real Estate Review." International Real Estate Review 12, no. 3 (2009): 295–324. http://dx.doi.org/10.53383/100116.

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The purpose of this study is two-fold: first, to explain the demise of subprime and Alt-A mortgage markets in the U.S. from the viewpoint of measuring and managing mortgage credit risk; and secondly, to discuss several policy lessons that can be learned from the market meltdown. To that end, three tiers of mortgage credit models are elaborated, including the scoring (or risk rank-ordering), risk-based pricing, and ¡§sizing¡¨ (or the analytics used in determining subordination levels of credit- sensitive mortgage backed security (MBS) deals) models. Using these as conceptual underpinning, empir

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25

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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Shkuratov, Oleksii. "THE ROLE OF LAND-MORTGAGE LOANING IN THE INFRASTRUCTURE SUPPORT OF THE AGRICULTURAL LAND MARKET." Economic discourse, no. 2 (June 2020): 46–53. http://dx.doi.org/10.36742/2410-0919-2020-2-5.

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Introduction. The functioning of the agricultural land market under the existing institutional restrictions hinders the development of one of the most common mechanisms for investment support of the agricultural sector of the economy, namely land mortgage lending. However, the lifting of the moratorium on the sale of agricultural land should serve as an impetus for the development of land mortgage lending, as a tool for transforming land resources into financial assets. Methods. The study is formed based on the use of calculation and constructive, experimental, abstract and logical methods, da

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Asabere, Paul K., Carl B. McGowan Jr., and Sang Mook Lee. "A study into the links between mortgage financing and economic development in Africa." International Journal of Housing Markets and Analysis 9, no. 1 (2016): 2–19. http://dx.doi.org/10.1108/ijhma-05-2014-0014.

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Purpose – The purpose of this paper is to explore the link between mortgage financing and economic development for African countries, as there is a gap in the literature regarding this topic. The development of mortgage markets is important for the overall development of a country. Policymakers and international institutions like the World Bank have been promoting the expansion of Africa’s nascent mortgage markets as a logical stimulus to economic growth and development. Specifically, the authors analyze the link between the size of the mortgage market and the gross national income (GNI) per c

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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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Borgersen, Trond-Arne, and Anne Emblem. "Mortgage Market Induced Booms and Busts in the Housing Market in a Modified DiPasquale-Wheaton Model." International Real Estate Review 1, no. 1 (1998): 281–306. http://dx.doi.org/10.53383/100344.

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In this paper, we offer a nontechnical pedagogical tool that demonstrates the interrelationship between the mortgage market and the housing market. While the importance of the mortgages in the housing market is well established in the literature, an instructive model is still needed. We present a novel and straightforward extension of the DiPasquale and Wheaton (DPW) model, with a price-rent (PR) ratio that incorporates the loan-to-value (LTV) ratio. In our modified DPW model, the LTV adjusted PR ratio allows for an explicit analysis of the opposing effects of lending gain and risk pricing on

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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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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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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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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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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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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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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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37

Josipović, Tatjana. "Consumer Protection in EU Residential Mortgage Markets: Common EU Rules on Mortgage Credit in the Mortgage Credit Directive." Cambridge Yearbook of European Legal Studies 16 (2014): 223–53. http://dx.doi.org/10.1017/s1528887000002603.

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AbstractFor many years now, there has been an attempt in the European Union to create a common legal framework for mortgage credit contracts and cross-border activities in the mortgage financial sector. One of the greatest challenges has been the establishment of a corresponding level of consumer protection in EU residential mortgage markets. This issue has become particularly important at the time of financial crisis. Consumers are increasingly exposed to the risk of losing their homes because of failing to fulfil, in due time, their obligations arising from mortgage loans, and thus losing co

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Borsch, Lyudmila, Mir Jalal, and Svetlana Gerasimova. "Key Trends in Mortgage Development Market: Regional Aspect." Regionalnaya ekonomika. Yug Rossii, no. 4 (December 2023): 214–26. http://dx.doi.org/10.15688/re.volsu.2023.4.19.

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The article outlines the authors' position on the study of the current scientific and practical problem of the development of mortgage lending in the regions with the identification of key trends in the development of the mortgage market in the regions. It is noted that mortgage lending is an important type of financial activity of credit institutions aimed at generating income and ensuring social standards and improving the living conditions of citizens. The purpose of the study is to identify key trends and patterns in the development of residential mortgage lending in the regions. In solvin

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Kudryavtseva, N. N., Yu V. Pakhomova, and Yu N. Duvanova. "Reorganization of the technology and procedures for conducting mortgage transactions." Proceedings of the Voronezh State University of Engineering Technologies 80, no. 2 (2018): 473–77. http://dx.doi.org/10.20914/2310-1202-2018-2-473-477.

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The article considers the structure of mortgage lending of PJSC "VTB24", presents the functions of the Department of mortgage lending and the Department of conclusion and support of mortgage transactions. The scheme of the mortgage transaction is analyzed and its advantages and disadvantages are given. At the moment, there is a high probability of further curtailment of Bank licenses and the flow of depositors ' funds to larger banks at lower interest rates. At the same time, the Central Bank allows for a 2 – fold drop in profits from banking activities to the level of 300 billion rubles a yea

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Sirenko, Natalia, Kateryna Kazemyrchyk, and Kateryna Mikuliak. "Mortgage Market Analysis: Domestic and International Experience." Oblik i finansi, no. 4(102) (2023): 118–24. http://dx.doi.org/10.33146/2307-9878-2023-4(102)-118-124.

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In the conditions of an economic crisis, the activation of economic activity through mortgage lending becomes crucial, and the study of the development of the mortgage market in the world is necessary for a comprehensive understanding of its impact on social, economic, and financial growth. It is also essential for determining optimal management strategies for the housing sector in a specific country. The article aims to substantiate the features of the functioning of the mortgage market in the world and in Ukraine. Investigating the peculiarities of domestic and foreign mortgage markets, the

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POTOMOVA, Sof'ya A., Yurii Yu RUSANOV, and Vladimir A. SLEPOV. "Development of mortgage securitization infrastructure in the Russian Federation." Finance and Credit 27, no. 3 (2021): 484–504. http://dx.doi.org/10.24891/fc.27.3.484.

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Subject. This article examines the essence and current problems of the development of the mortgage securitization market infrastructure in the Russian Federation. Objectives. The article aims to determine the essence of the infrastructure of the mortgage securitization market, the process of its development, and identify modern areas of its further transformation in the Russian Federation. Methods. For the study, we used analysis and synthesis, classification, generalization, induction and deduction, structural analysis, and the methods of comparative, statistical, and dynamic analyses. Result

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Kurbanova, Nigora G., Tatiana M. Rogova, and Anton D. Murzin. "TRENDS IN THE MARKET OF MORTGAGE LENDING IN RUSSIA." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 4/1, no. 136 (2023): 129–35. http://dx.doi.org/10.36871/ek.up.p.r.2023.04.01.014.

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In the current conditions in the financial market, there is an active growth of mortgage portfolios, the development of mortgage programs, and interest from financial institutions in this area of investment. The purpose of the study is to analyze the current state and development trends of the mortgage lending market in the Russian economy. In the course of the study, problems and limitations in the development of the mortgage products market were identified, development prospects were identified, and innovative mortgage lending instruments in the Russian market were considered.

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Koniagina, M. N., and A. A. Khashaev. "Mortgage lending market in Russia in terms of exit out of the pandemic." Economics and Management 28, no. 4 (2022): 324–30. http://dx.doi.org/10.35854/1998-1627-2022-4-324-330.

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Aim. The work aimed to summarize the results of the development of the mortgage lending market during the acute phase of the COVID-19 pandemic and predict its development in the near future.Tasks. The work was performed to investigate the volume of issuance and growth rates of mortgage lending in Russia; to analyze the dynamics of the total mortgage portfolio of the banking system of the Russian Federation (RF), as well as the average cost of 1 square meter of housing in the primary and secondary markets in a pandemic, combined with government support; demonstrate possible changes in the Russi

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Uppal, Jamshed. "Developing Housing Finance in Pakistan – Challenges and Opportunities." LAHORE JOURNAL OF ECONOMICS 26, no. 1 (2021): 31–56. http://dx.doi.org/10.35536/lje.2021.v26.i1.a2.

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Expanding home-ownership poses a fundament financial challenge arising out of the long-term nature of the asset, which calls for the development of institutions and markets to facilitate the flow of long-term funds. Development of the secondary mortgage market would alleviate classical maturity mismatch and liquidity issues. The public sector can provide an enabling environment with sound macroeconomic policies, corporate governance, rule of law, and enforceability of contracts. This study draws policy implications using the empirical evidence on the determinants of mortgage depth and penetrat

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Uppal, Jamshed. "Developing Housing Finance in Pakistan – Challenges and Opportunities." LAHORE JOURNAL OF ECONOMICS 26, no. 1 (2021): 31–56. http://dx.doi.org/10.35536/lje.2021.v26.i1.a2.

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Expanding home-ownership poses a fundament financial challenge arising out of the long-term nature of the asset, which calls for the development of institutions and markets to facilitate the flow of long-term funds. Development of the secondary mortgage market would alleviate classical maturity mismatch and liquidity issues. The public sector can provide an enabling environment with sound macroeconomic policies, corporate governance, rule of law, and enforceability of contracts. This study draws policy implications using the empirical evidence on the determinants of mortgage depth and penetrat

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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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Li, Xiaowei. "Mortgage Market Development, Savings, and Growth." IMF Working Papers 01, no. 36 (2001): 1. http://dx.doi.org/10.5089/9781451845457.001.

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Moshurovskyi, Oleksandr. "Banking mortgage lending: barriers and development pathways." Market Relations Development in Ukraine 238, no. 12(283) (2025): 213–21. https://doi.org/10.5281/zenodo.15039536.

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Relevance of the research topic. Mortgage lending is an important tool for addressing socialissues, particularly ensuring citizens have access to housing. The war has caused the destruction of thehousing stock, forced displacement of people, and deterioration of their financial situation, making accessto mortgage loans more difficult. In the face of these challenges, developing support mechanisms formortgage lending is critically important for economic recovery and overcoming the housing crisis. Statepolicy in this area can play a key role in rebuilding housing, attracting investment in constr

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Prosov, Vyacheslav. "Economic and legal component of mortgage market development in Ukraine." University Economic Bulletin, no. 40 (March 1, 2019): 165–73. http://dx.doi.org/10.31470/2306-546x-2019-40-165-173.

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The development of the economic and legal component of the mortgage lending system in Ukraine is traced. It was determined that the adoption of the Law of Ukraine «On Property» was the first step towards the formation of the mortgage market in the country. The mortgage system is studied as a factor influencing the accumulation of free funds, their redistribution and risk reduction. The role of mortgage lending in solving socio-economic problems of the country is considered. The necessity of studying the experience of other countries and taking into account national peculiarities for effective

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Starykh , S. A., S. A. Lavoshnikova , and A. D. Chesnokova. "MORTGAGE LENDING MARKET IN THE RUSSIAN FEDERATION: CURRENT STATE, PROBLEMS AND PROSPECTS." Region: systems, economy, management 2, no. 53 (2021): 72–78. http://dx.doi.org/10.22394/1997-4469-2021-53-2-72-78.

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Subject. The market of mortgage housing lending in the Russian Federation. Topic. The impact of the coronavirus pandemic on the mortgage lending market. Purpose. Analyze the housing mortgage lending market in the Russian Federation and identify the reasons for its explosive growth in the 3rd and 4th quarters of 2020. Methodology. Methods of comparative analysis of the housing mortgage lending market in the Russian Federation. Results. The possibility of the formation of a financial bubble in the real estate market in Russia is studied, and the probable prospects for the development of the mort

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