The market of mortgage crediting and problems of development
In this article, the study of modern features of development and the development of ways to improve mortgage housing lending, as well as the main indicators of the mortgage lending market are analyzed. The purpose of this article is to analyze the housing mortgage lending market, identify current problems of its development and identify factors that have a positive and negative impact on the development of mortgage lending. In conclusion, it is concluded that the scale of the identified problems of the mortgage lending market, their complexity and versatility is an interconnected set of measures and tasks related to many areas of socio-economic and socio-political life of the country, which cannot be achieved quickly. An integrated approach to solving the problems facing the state in the field of mortgage lending will increase its attractiveness for potential borrowers, increase the demand for housing construction, and in the event of new factors of instability and external risks, will effectively form the capital stock of banks to cover losses. The implementation of such a serious program requires time and efforts of all levels of government, based on international cooperation. Otherwise, it will be impossible to achieve the desired result. How the mortgage lending market will develop in the future depends on many factors - the economic situation in the country, the key rate of the Central Bank, the current support measures and others. One thing is clear, state policy should be aimed at increasing the efficiency of the mortgage lending market, optimizing the processes taking place on it, reducing risks, constantly improving and implementing new state programs, in addition to existing ones, contributing to improving the quality of life of the middle class and significantly improving the financial capabilities of Russian families.