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Journal articles on the topic 'State mortgage institution'

Author: Grafiati

Published: 28 May 2022

Last updated: 31 July 2025

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1

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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2

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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3

VASILYEVA, OKSANA, and MARIA YANINA. "ON THE ISSUE OF THE AVAILABILITY OF SOCIAL MORTGAGES FOR CITIZENS IN NEED OF BETTER HOUSING CONDITIONS." LEGAL BULLETIN 4, no. 7 (2022): 81–89. https://doi.org/10.5281/zenodo.11189558.

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The relevance of research. In recent decades, the term “social mortgage” has been firmly established in the socio-economic space of Russia. Despite the fact that this term is not reflected in federal legislation, the institution of social mortgage has been widely recognized by citizens and is successfully used in almost all regions of Russia. It is thanks to the programs of preferential mortgage lending, united by the general concept of “social mortgage”, that a number of categories of low-income citizens have received the long-awaited opportunity to purchase their own

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Hryhorska, Olena. "Revitalization of infrastructural mortgage of public-private partnership projects." University Economic Bulletin, no. 42 (June 19, 2019): 121–29. http://dx.doi.org/10.31470/2306-546x-2019-42-121-129.

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Recently, there is an acute need for the creation or modernization of infrastructure facilities - transport, energy, utilities, social and other types of infrastructure, against the background of a lack of financial resources of budgets of all levels and under budgetary constraints. This situation as a whole leads to the search for additional sources of funding in the field of public-private partnership. In this context, the use of infrastructure mortgages is becoming increasingly important and relevant. The purpose of this work is to systematize the advantages and disadvantages of infrastruct

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Ningsih, Ayup. "KAJIAN YURIDIS EFEKTIFITAS PENYELESAIAN KREDIT MACET MELALUI LELANG HAK TANGGUNGAN." Arena Hukum 14, no. 3 (2021): 546–66. http://dx.doi.org/10.21776/ub.arenahukum.2021.01403.7.

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In a debt agreement that includes a guarantee regulated in the Mortgage Law, the form of legal protection provided by the State through the Mortgage Law to the creditor is the authority to execute the object of the debtor's guarantee or auction. Implementation of the auction through the State Auction Institution, namely the Office of the State Assets and Auction Service (KPKNL). The purpose of writing this article is to find out the arrangement and implementation of mortgage auctions at KPKNL. The method used is empirical juridical, with the research location at KPKNL Semarang PMK No. 213/PMK.

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Бабина, Светлана, Svetlana Babina, Софья Назаренкова, and Sofya Nazarenkovaa. "Mortgage Loan as the Main Tool for Solving the Housing Problem of Russia." Bulletin of Kemerovo State University. Series: Political, Sociological and Economic sciences 2019, no. 1 (2019): 37–44. http://dx.doi.org/10.21603/2500-3372-2019-4-1-37-44.

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The housing problem is extremely urgent for Russian citizens. This problem can be solved by mortgage lending in the market economy environment. The present research features the development of mortgage housing loans and identifies the existing problems in order to find ways to strengthen the mortgage capital market. The study is based on theoretical and methodological works on the theory of mortgage lending. It involves a comparative-historical analysis in the application to the mortgage capital market, as well as an analysis of the dynamic series based on statistical data of the Federal

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7

Volkov, Anatoly A. "Influence of Socio-Economic Factors on the Development of the Home Mortgage Lending Market: The Case of the Vologda Region." REGIONOLOGY 29, no. 1 (2021): 37–59. http://dx.doi.org/10.15507/2413-1407.114.029.202101.037-059.

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Introduction. Mortgage lending plays an important role both for the banking system and for the country’s economy as a whole. In addition to the main function of providing people with comfortable housing, mortgage system development stimulates various areas of the country's economy and creates conditions conducive for investment. The purpose of the paper is to single out the factors that have a negative impact on the home mortgage lending market on the basis of the case study of the Vologda Region. Materials and methods. The study was carried out on the basis of the statistical database of the

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Sari, Fitrizka Eka, Imam Koeswahyono, and Hamidi Masykur. "Legal Implications of The Use of Permit to Open State Land as Collateral for Debt." International Journal of Business, Law, and Education 4, no. 2 (2023): 935–41. http://dx.doi.org/10.56442/ijble.v4i2.260.

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Indonesia is a country abundant in natural resources and human resources, aiming to provide prosperity for its people. The need for credit and the provision of credit facilities require collateral. The government has established a credit guarantee institution capable of providing legal certainty and legal protection. One of these institutions is the Mortgage Rights institution regulated by Law Number 4 of 1996 concerning Mortgage Rights on Land and Related Objects (UUHT). In the city of Balikpapan, East Kalimantan, there is a legal product in the field of land management based on regional auto

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Aziz, Abdul, Wira Franciska, and Felicitas Sri Marniati. "KEPASTIAN HUKUM JAMINAN HAK TANGGUNGAN ATAS SERTIFIKAT HAK PAKAI DI ATAS HAK MILIK PERORANGAN TERKAIT PENOLAKAN PEMBIAYAAN OLEH PERBANKAN." SENTRI: Jurnal Riset Ilmiah 2, no. 12 (2023): 5062–71. http://dx.doi.org/10.55681/sentri.v2i12.1891.

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Seeing the increasing focus on the economic sector, it requires a guarantee rights institution that is able to provide legal certainty. In the UUHT, land rights can be made into mortgages, property rights, business use rights, building use rights and use rights over state land, while PP 18 of 2021 explains usufructuary rights can be used as collateral for mortgage rights. In the phenomenon that occurs, usufructuary rights over individual rights experience rejection by the banking system when they are used as collateral for mortgage rights. Based on these problems, the formulation of the proble

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10

Kaczorowska, Maria. "Land and mortgage registers as a cornerstone of real estate transactions in Polish law — a historical and legal outline (On the 40th anniversary of the enactment of the Land and Mortgage Registers and Mortgage Act)." Studia nad Autorytaryzmem i Totalitaryzmem 43, no. 4 (2021): 81–105. http://dx.doi.org/10.19195/2300-7249.43.4.7.

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With its core purpose of establishing the legal status of immovable property, the system of land and mortgage registers (perpetual books) operating in Poland plays a paramount social and economic role in ensuring legal security of real estate conveyancing, and thereby contributes to implementing the constitutional principle of democratic state ruled by law. The foundations for a uniform land and mortgage register law were laid down in the 1930s by the Codification Commission of the Republic of Poland, appointed after the Polish State regained independence in 1918, following the period of parti

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Zbrojewski, Piotr. "Prospects for the Development of Equity Release Products in Poland – Reverse Mortgage from a Cultural Perspective." Real Estate Management and Valuation 21, no. 2 (2013): 5–12. http://dx.doi.org/10.2478/remav-2013-0011.

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Abstract At the time of crisis, which involves state funded benefits as well as an increase in public debt, the members of the European Union are forced to consolidate their budgetary expenses. The social cost, however, is extremely high, as the general public is unwilling to accept it. Demographic experts predict a decrease in the amount of people at an economically productive age, not to mention the continuously growing life expectancy. This fact will have serious economic consequences in Poland. That is why the pension system reform was initiated. The inevitable cuts in spending on welfare

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Taranteeva, Elizaveta V. "Problems and prospects of development of the Russian credit market." ACCOUNTING AND CONTROL 9 (2024): 13–19. http://dx.doi.org/10.36871/u.i.k.2024.09.01.003.

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The article discusses the problems and prospects of the development of the Russian credit market. The author analyzes the main components of the Russian credit market, such as commercial loans for business, mortgage lending, car loans and consumer non-targeted loans. The state of the credit market depends on the state of the economy and the policy of the Central Bank. Possible measures to regulate debt collection activities and the formation of the institution of a public mediator of the financial system (financial ombudsman) are discussed.

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Ilyas, Rahmat. "Pawnshops in the Perspective of Islamic Law." AL-'ADALAH 16, no. 1 (2019): 1–16. http://dx.doi.org/10.24042/adalah.v16i1.3879.

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The development of the economy and the business world will always be followed by the development of the need for credit and the provision of credit facilities that always require collateral. This is for the security of the provision of credit in the sense that the loan received will be guaranteed by guarantee. In this context the importance of the guarantee institution lies. Pawn is a guarantee institution that has been very well known in people's lives in their efforts to get funds for various needs. Pawnshops is a state-owned enterprise in Indonesia whose core business is in the field of len

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14

Djordjevic, Ivica, and Zoran Jeftic. "Changes in financial position of state as a security problem." Medjunarodni problemi 68, no. 2-3 (2016): 193–208. http://dx.doi.org/10.2298/medjp1603193d.

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The second half of the 20th century will be remembered as the period of the biggest liberalisation in history in the area of international economic relationships. Many factors served that fact. First of all, attempts to eliminate circumstances which were the root cause of previous world wars. Along with liberalisation of the trade processes, there was a process of growth of public debt which significantly restricted public institution activities. Due to lack of funds in the budget, countries were forced to mortgage and pay a significant amount of money for the rates of interest. Developing cou

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Perevozova, Iryna, Oksana Malynka, Vitalii Nitsenko, Halyna Kryshtal, Viktoriia Kostiuk, and Vitaliia Mishchenko. "Analysis of Trends in Mortgage Lending in the Agricultural Sector of Ukraine." Journal of Risk and Financial Management 16, no. 5 (2023): 255. http://dx.doi.org/10.3390/jrfm16050255.

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This study has the following objectives: to analyze the state of agrarian business lending and the market of banking services, establish the reasons for the insufficient level of mortgage lending implementation, and develop ways and tools to improve lending to the agrarian sector. The research methodology considers a systematic approach to the statistical analysis of bank lending in the agricultural sector of Ukraine, the development of criteria, and the implementation of the hierarchy analysis method for the reasonable selection of a loan product and banking institution. We conducted an analy

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16

Parusimova, N. I., and D. A. Dobrin. "Potential of the mortgage housing lending market." Intellect. Innovations. Investments, no. 3 (2025): 62–74. https://doi.org/10.25198/2077-7175-2025-3-62.

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At present, mortgage housing lending in Russia continues to be one of the key drivers of growth in the construction sector and plays a significant role in improving housing affordability for the population. However, under conditions of increased uncertainty-driven by both external and internal factors, as well as technological and social changes – the Russian mortgage housing lending market is undergoing continuous transformation and facing new contemporary challenges. The scientific problem addressed in this article lies in the fact that, while preferential programs demonstrate an evident sho

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17

BUSCHAN, A. O. "COMPARATIVE ANALYSIS OF THE LEASING AGREEMENT WITH THE STATE MORTGAGE INSTITUTION AND THE LOAN AGREEMENT FOR CIVIL SERVANTS." Scientific Journal of Public and Private Law, no. 3 (2021): 28–35. http://dx.doi.org/10.32844/2618-1258.2021.3.6.

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18

Ningsih, Ayup Suran. "THE LEGAL PROTECTION FOR DEBTORS IN THE EXECUTION OF MORTGAGE AT THE SEMARANG STATE ASSETS AND AUCTION SERVICE OFFICE." JURISDICTIE 12, no. 1 (2021): 86–103. http://dx.doi.org/10.18860/j.v12i1.12112.

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One of the goals of national development in the field of economics and law is to create a just and prosperous society in accordance with Pancasila and the 1945 Constitution. One of the legal actions taken by the community for the smooth running of its business activities is to make loans or credit to financial institutions. The loan is accompanied by the provision of Mortgage on the collateral object. In the process of lending and borrowing activities from creditors to debtors, problems or defaults can occur in the future, making it possible for an auction process to be carried out. The purpos

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19

Firgilius, Kandro Mego Asman, Tobu Engelbertus, Patricio Quinaldy Ragat3 Allesandro, and Don Rade Stefanus. "Penyelesaian Kredit Macet di Bank NTT." Madani: Jurnal Ilmiah Multidisiplin 1, no. 5 (2023): 858–67. https://doi.org/10.5281/zenodo.8054971.

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<em>This writing aims to find out the principle of prudence in granting credit at BANK NTT and to find out the efforts made by Bank NTT in a legal settlement in the event of default if the debtor has died. This research was conducted at Bank NTT Oebobo Branch. The type of research used is empirical juridical; this study's data sources consist of primary and secondary data, with data collection techniques carried out by literature study and interviews. The data analysis method used is the qualitative method. The result of this research is that the principle of prudence in granting credit at

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20

Sujana, I. Nyoman, and Leonito Ribeiro. "Dillemas of Bad Loan Settlement of Village Credit Institution (Lembaga Perkreditan Desa) in The Covid-19 Pandemic Situation." Jurnal IUS Kajian Hukum dan Keadilan 10, no. 2 (2022): 367–78. http://dx.doi.org/10.29303/ius.v10i2.1104.

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This paper analyzes the dilemma of resolving bad loans of the Village Credit Institution (LPD) in the Covid19 Pandemic Era. The focus of the study is the problems faced by the Village Credit Institution (LPD) in resolving bad loans in Bali Province during the COVID-19 pandemic era. This study was conducted because LPDs in Bali experienced difficulties in securing credit even though the collaterals or guarantees were imposed with a mortgage as well as a Fiduciary during the Covid 19 period. As an analytical device on the legal issues studied, the author applied the theory of the welfare state w

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Kaletnik, Grygorii, and Nataliia Koziar. "Strategic approaches to investing in the agricultural sector of Ukraine in modern conditions of agro-industrial complex development." Ekonomika APK 314, no. 12 (2020): 81–89. http://dx.doi.org/10.32317/2221-1055.202012081.

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The purpose of the article is to develop, based on the generalization of domestic and foreign experience, guidelines for enhancing investment in the agricultural sector. Research methods. A set of special methods of economic research was used during the research process. Using abstract-logical method, the conclusions to the article are formulated. The method of theoretical generalization was used in the critical analysis of research results of domestic and foreign scientists on the substantiation of investment factors and methods of assessing the effectiveness of investment. In the process of

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Зельцер, Є. Р. "GLOBAL EXPERIENCE OF LEASING RESIDENTIAL REAL ESTATE AND STATE OF AFFAIRS IN UKRAINE." Building production, no. 73 (May 22, 2023): 52. http://dx.doi.org/10.36750/2524-2555.73.52-57.

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In 2020-2022, the Government of Ukraine and the National Bank of Ukraine did not implement the Presidential initiatives to significantly increase the volume of provision of housing for Ukrainian citizens, including the introduction of effective mortgage and leasing financial instruments.In accordance with the foundations of the long-term (2013-2032) state policy in the investment sphere in the context of the recovery of the Ukrainian economy, the successful reform of public housing programs in Ukraine at the stage of the country's reconstruction will contribute to stimulating the attraction of

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Litvinova, V. V., and M. A. Burankova. "An Analysis of Regional Practices for Providing Housing for Young Families and Proposals for their Improvement." Actual Problems of Russian Law 16, no. 12 (2021): 109–17. http://dx.doi.org/10.17803/1994-1471.2021.133.12.109-117.

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Improving the living conditions of young people today is an important means of strengthening the institution of the young family, improving the demographic situation. In the implementation of the youth housing policy in the Russian Federation, a whole range of state measures is currently being implemented to provide affordable and comfortable housing. Basically, it is young families who acquire the first housing in their life, while not owning property that could be used as an asset in obtaining a mortgage, and also not being able to accumulate funds to pay the initial payment. This category o

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Lemishko, Оlena, and Natalie Shevchenko. "Lending in the agricultural sector of Ukraine: challenges and solutions." Economic Annals-ХХI 192, no. 7-8(2) (2021): 74–87. http://dx.doi.org/10.21003/ea.v192-07.

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The promotion of efficient development of productive resources, specific geographic areas, and branches of the economy is the fundamental reference point of the financial and credit policy of the state. In particular, the agricultural sector has certain features of capital formation within the financial system of the state. This is reflected in the requirements and approaches to the development of financial policy by the state and in the corresponding mechanism for its implementation. Being an important tool within this mechanism, lending is aimed at ensuring the economic growth of the agricul

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Fatun, Fatun, Misriyah Misriyah, and Aminatus Silvi Putri Pratama. "Mekanisme Penerapan Pembiayaan Gadai Emas Dengan Memggunakan Akad Rahn Pada Bank Pembiayaan Rakyat Syariah Bhakti Sumekar Cabang Pamekasan." JURISY: Jurnal Ilmiah Syariah 2, no. 2 (2022): 12–19. http://dx.doi.org/10.37348/jurisy.v2i2.188.

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Bhakti Sumekar Pamekasan Branch as a financial institution in which part of rural bank that carries out its function as an institution channeling public funds through financing products, one of which is gold mortgage financing. BPRS Bhakti Sumekar gold pawning financing is a financing product based on collateral in the form of gold as an alternative to get cash quickly, with collateral in the form of precious metals and 30 days carat jewelry and is not intended for customer investment purposes. The data analysis model used in this study is descriptive which can be interpreted as a problem solv

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Гукежева, М. Х. "Analysis of the dynamics of mortgage refinancing market in Russia." Экономика и предпринимательство, no. 5(130) (June 25, 2021): 37–41. http://dx.doi.org/10.34925/eip.2021.130.5.002.

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В данной статье автор изучает динамику развития рынка рефинансирования ипотечных кредитов в 2013-2021 годах, указывая на связь между ставкой ЦБ, ставкой рефинансирования и спросом на данную услугу. Автор рассматривает влияние государства на банковскую сферу по обеспечению платежеспособности заемщиков в кризисных условиях и подчёркивает, что резкое повышение спроса на рефинансирование и увеличение ее доли в общем объеме, выданных кредитов наблюдались именно в периоды введения программ господдержки кредитования ипотечных кредитов в 2015 и 2020 годах и, хотя государственные льготные программы по

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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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Gunawan, Gunawan. "Konsep Jenis Lembaga Jaminan Utang Pada koperasi." JURNAL PEMULIAAN HUKUM 5, no. 1 (2022): 85–108. http://dx.doi.org/10.30999/jph.v4i2.1955.

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In the practice of binding debt guarantees in the Rukun Mekar Savings and Loans Cooperative, there is a conflict between das sollen and das sein, or there is an imbalance between reality/empirical and ideal conditions, namely, regarding the provision of loans with collateral without being encumbered by mortgage or fiduciary rights. The reason for this is that the process of imposing mortgage rights, or fiduciary, is not a simple process, takes a long time and costs a lot of money. Based on these problems, this study aims to find out about the concept of types of debt guarantee institutions in

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Julianita Koto, Sri Eni. "Pengalihan Kreditur Melalui Ceasie (Studi Kasus Pada Koperasi Simpan Pinjam Indosurya)." Jurnal Perspektif Hukum 2, no. 1 (2021): 1–14. http://dx.doi.org/10.35447/jph.v2i1.268.

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The state of liquidation of each bank and non-bank financial institution is strongly affected by social and economic conditions, both on a national and international scale. In order for lending (loans) to continue to run, it is known that the accounts receivable transfer agency is known as cessie. Based on Article 613 of the Civil Code, it is stated that the delivery of receivables in the name and other bodily objects is carried out by making an authentic deed or deed under the hands of which the rights to property are delegated to others. The delivery of these receivables has no effect on the

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A. V, Bardas, and Avramenko O. O. "Use of agile methodology for project management in banking organizations." Economic Bulletin of Dnipro University of Technology 81 (June 2023): 93–102. http://dx.doi.org/10.33271/ebdut/82.093.

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Methods. Scientific results were obtained using the following methods: structural and logical – when identifying the relationships between the definition of the essence of the object of activity in the works of Ukrainian and foreign authors; chronological method – in reconstructing the chronology of the development of flexible project management methods and their impact on the quality of project execution; the method of substantive analysis – when comparing different methods of project management to formulate the advantages that a financial institution can receive from the use of flexible meth

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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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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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Cohen Raviv, Or, and Thomas Hinz. "Intergenerational wealth transmission and homeownership in Europe–a comparative perspective." PLOS ONE 17, no. 9 (2022): e0274647. http://dx.doi.org/10.1371/journal.pone.0274647.

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The literature on social and wealth inequality has long acknowledged the importance of intergenerational wealth transmission (IWT) to inequality in homeownership tenure. However, it has paid insufficient attention to the institutional structures that moderate these inequalities. Therefore, in this study, we ask how institutional factors via differential housing finance systems and governmental housing policies, moderate the association between IWT and homeownership tenure. This is done by using the framework of housing regime configurations and mortgage market financialization. To do so, we po

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Jedidi, Helmi, and Georges Dionne. "Nonparametric Testing for Information Asymmetry in the Mortgage Servicing Market." Risks 12, no. 12 (2024): 192. https://doi.org/10.3390/risks12120192.

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Abstract: Our objective is to test for evidence of information asymmetry in the mortgage servicing market. Does the sale of mortgage servicing rights (MSR) by the initial lender to a second servicing institution unveil any residual asymmetric information? We are the first to analyze the originator’s selling choice of MSR. We use a large sample of U.S. mortgages that were securitized through the private-label channel during the period of January 2000 to December 2013 (more than 5 million observations). We propose a new nonparametric instrumental variable testing procedure to account for potenti

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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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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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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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Саввинова, А. П., and Е. В. Сибилева. "The impact of housing mortgage loans on the development of the construction industry." Industrial Economics, no. 3 (June 30, 2024): 142–47. http://dx.doi.org/10.47576/2949-1886.2024.3.3.022.

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В статье рассматривается воздействие ипотечного кредита на развитие строительной отрасли в России с 2019 по 2023 г. Проанализированы динамика количества кредитных организаций, изменение средневзвешенной ставки по ипотечным кредитам, а также доля льготной ипотеки в указанный период времени. Анализируется влияние увеличения объема ипотечного кредитования на увеличение объема строительства и ввода многоквартирного жилья. Проводится анализ текущего состояния сектора ипотечного кредитования в контексте сложившейся экономической ситуации. Все эти сведения заимствованы из материалов сайтов Центрально

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HLADKYH, Dmytro, and Oleksandr LYUBICH. "Main problems of the monetary and credit system of Ukraine in the conditions of war." Fìnansi Ukraïni 2023, no. 2 (2023): 27–52. http://dx.doi.org/10.33763/finukr2023.02.027.

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Introduction. During 2022-2023, the monetary and credit system of Ukraine faced an unprecedentedly large number and a fundamentally new quality of problems associated with the transition of a permanent low-intensity armed conflict into full-scale military operations, accompanied by various negative consequences that directly affect the monetary sphere. Problem Statement. Establishing the prerequisites and substantiating prospects for the implementation of a complex of regulatory measures of the state in the monetary sphere, aimed at overcoming the main problems of the monetary and credit syste

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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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Reiza, Wirambara, Leduq Anselmus, Ravi Saputra Aurelio, and Anita Christiani Theresia. "Conflict Between Fulfillment of Tax Obligations and Fulfillment of the Rights of Dependence Holders." International Journal of Social Science And Human Research 06, no. 12 (2023): 7991–99. https://doi.org/10.5281/zenodo.10447249.

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Banks are institutions that have an essential role in national economic development. Banks function as institutions that store and distribute funds to the public in the form of credit. In distributing and providing credit from banks to debtors, even though a credit analysis has been carried out, there are still risks that may be borne by the bank, such as late payments and failure to pay. Therefore, banks need Credit Collateral as collateral if this risk occurs. Credit collateral is an asset from a debtor guaranteed to the bank by installing a mortgage right so that the bank has the rights to

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Luyali, Chanzu, Julius Bichanga, and M. Gekara. "INTEREST RATE, MONEY SUPPLY AND GROWTH OF MORTGAGE FINANCING AMONG COMMERCIAL BANKS IN KENYA." International Journal of Finance and Accounting 6, no. 2 (2021): 1–11. http://dx.doi.org/10.47604/ijfa.1405.

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Purpose: The purpose of this study was to investigate the effects of interest rate and money supply on the growth of mortgage financing among Commercial banks in Kenya. Materials and methods: The study adopted a descriptive research design. The population contained 35 loan lending commercial banks over a period between 1985 and 2019. Secondary data was used from desired financial statements available to the public of the singular commercial banks and other posted reports of financial institutions and establishments in conformity with the study. Time-series data were analyzed using STATA

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Yatmoko, Tri. "Confiscation of Assets for the Crime Corruption Used as Guarantee Mortgage." Corruptio 3, no. 2 (2022): 75–86. http://dx.doi.org/10.25041/corruptio.v3i2.2728.

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Asset confiscation is one of the government's efforts to compensate for the state losses. One of the institutions that are given the authority to carry out assets confiscation based on court decisions is the Prosecutor's Office. The fact is that in carrying out judicial decisions on corruption crimes, the Prosecutor's Office experiences various obstacles in practicing the value of justice, one of which is the seizure of assets attached to mortgages. The problem of this research is how is the practice of confiscation of assets resulting from corruption in recovering state finances and how is th

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Garnowski, Konrad. "Principle of Reliability of Business Trading in the Context of Personal Changes in Partnerships." Review of European and Comparative Law 51, no. 4 (2022): 79–94. http://dx.doi.org/10.31743/recl.14603.

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The article presents the issue of personal changes in partnerships from the perspective of dangers to the interests of partners of such partnerships and third parties. The analysis is carried out primarily in the context of the norms concerning the national court register, but also the relevant regulations of the Code of Civil Procedure. On this basis, the author evaluates the current regulations and concludes that they pose significant dangers to both partners of partnerships and creditors as third parties. These dangers arise mainly from the way the system of presumptions provided for in the

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Mikhnevich, L. V. "Protection of the constitutional right of a person to property (property) in the security obligations of pledge and surety." Uzhhorod National University Herald. Series: Law, no. 65 (October 25, 2021): 398–402. http://dx.doi.org/10.24144/2307-3322.2021.65.71.

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The current stage of development of the national legal system of Ukraine is characterized by the development of various forms and ways of protection of the constitutional right to property, creating conditions for the exercise of constitutional rights and legitimate interests of individuals in property relations and realization of difference property rights.The key principle of the constitutional regulation of private law relations is the equality of all participants, which is a significant achievement of the modern legal system. The most pronounced detection of the principle of equality is em

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Fedorova, M. "Institutions of Nonprofit Credit in the Housing Sphere." Voprosy Ekonomiki, no. 9 (September 20, 2006): 149–53. http://dx.doi.org/10.32609/0042-8736-2006-9-149-153.

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The article considers new forms of the state housing policy. The author argues to establish the federal special fund to support housing mortgage debtors, to complete Tax Code of the Russian Federation with preferences for such debtors, housing cooperatives and their members.

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Zinovyeva, Ekaterina G., Natalya R. Balynskaya, Svetlana V. Koptyakova, and Oksana O. Akhmetzianova. "Analysis of the residential mortgage market in the Ural Federal District." R-Economy 6, no. 1 (2020): 5–13. http://dx.doi.org/10.15826/recon.2020.6.1.001.

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The relevance of this study stems from the fact that it analyzes the current situation on the mortgage market in Russia: the influence of macro-economic factors causes a fall in collateral value, dramatic increase in mortgage default and poor performance of the Agency for Housing Mortgage Lending (AHML). The study is aimed at investigating the current state of residential mortgage lending on the regional level in Russia by focusing on the case of the Ural Federal District. The study considers the interests of all the participants of this market: individual borrowers, state authorities, financi

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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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González-Correa, Ignacio. "La Caja Nacional de Ahorros y la banca estatal: un caso exitoso de economía asociativa entre cajas financieras en Chile, c. 1920-1950." Áreas. Revista Internacional de Ciencias Sociales, no. 41 (September 15, 2021): 71–84. http://dx.doi.org/10.6018/arics.458911.

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Este trabajo examina los lazos entre la Caja Nacional de Ahorros y otros bancos estatales como la Caja de Crédito Hipotecario y la Caja de Crédito Agrario entre fines del siglo XIX y la primera mitad del siglo XX. Los permanentes vínculos financieros, la cooperación operativa y el Consejo Directivo compartido entre las ‘cajas’, explican el éxito y la permanencia en el mercado de las tres firmas estatales. En adición, este trabajo evidencia la relevancia de la Caja Nacional de Ahorros en el mercado del ahorro chileno: en el año 1922 más del 50% de las personas en Santiago y más del 25% de la po

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Hretsa, Svitlana. "Tax lien as a way to ensure the fulfillment of the constitutional obligation to pay taxes and fees." Law Review of Kyiv University of Law, no. 4 (December 30, 2020): 89–92. http://dx.doi.org/10.36695/2219-5521.4.2020.15.

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The article highlights the legal aspects of using the tax lien as a means to ensure the constitutional obligation to pay taxes andfees. The focus is on the importance of proper implementation of constitutional obligations for the protection of human rights and theperformance of state functions. An important place for tax liability in the system of constitutional obligations has been identified. Themain ways of ensuring the fulfillment of the tax obligation have been revealed and the key role of such a way as tax lien has beenemphasized. The concept of tax lien is defined and the history of for

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