PROBLEMS OF MORTGAGE LENDING IN RUSSIA
( Pp. 65-70)

More about authors
Nikolaeva Tatyana P. kand. ekon. nauk, docent, docent kafedry «Finansy i ceny»
Russian Economic University. G.V. Plekhanova Nikolaeva Tatyana E. kand. ekon. nauk, docent, docent kafedry «Finansy i ceny»
Russian Economic University. G.V. Plekhanova
Abstract:
The article deals with the problems of functioning the mortgage lending market in crisis conditions, the necessity of state regulation of this sphere is substantiated. The state of the mortgage market has been well characterized, has noted a reduction in the number of its participants and the volume of loans issued. The organizational and legal bases of mortgage crediting of the population, foreign experience of refinancing mortgage loans through securities are highlighted. The classification of the mortgage lending market is given, features of a mortgage registered security are revealed. Much attention is paid to refinancing mortgage loans through securitization of mortgages, its advantages are clearly defined. The legal regulation of the Russian practice of mortgage lending is analyzed. The role of the Agency for Housing Mortgage Lending and Russian banks in the issue of mortgage securities is well determined. The reasons for the lack of interest of banks in the issue of mortgage bonds have been revealed. The contents of the programs aimed at maintaining the activity of the mortgage lending market are disclosed. The conditions for the availability of mortgage loans for the general public are determined. Based on the study of the problems of the organization of mortgage housing lending, the main factor of its development as economic growth is defined.
How to Cite:
Nikolaeva T.P., Nikolaeva T.E., (2017), PROBLEMS OF MORTGAGE LENDING IN RUSSIA. Economic Problems and Legal Practice, 6 => 65-70.
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Keywords:
mortgage lending, refinance mortgage loans, mortgage securities, securitization of mortgages, mortgage certificate of participation, The Agency for housing mortgage lending, "Mortgage rehabilitation".


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