Keyword: «mortgage»

The paper deals with the importance of mortgage insurance in Russia. The availability of mortgage credit if supported by insurance is stated. The conditions of insurance in case of "Mortgage with state support" are considered. The author analyzes the current tariff schedules of insurance companies in different banks.

This article deals with topical issues of debt restructuring under mortgage contracts. The author analyzes the legislative initiatives of the Bank of Russia on the introduction of "mortgage holidays" for borrowers and their expected consequences. Special attention is paid to the practice of using "currency mortgage".

In the article the author analyzes the mortgage lending market in the Russian Federation, considers the main advantages of mortgage use by Russian citizens, identifies problems associated with ensuring the availability of mortgage lending, and offers prospects for development.

Mortgage lending is an important part of contemporary financial system. In recent years, Russia has experienced crisis in consumer market, including mortgage lending due to a number of external factors (sanctions, low oil prices) that had a negative impact on Russian national economy. Despite the increase in housing affordability for Russian citizens in recent years, modern Russian bank mortgages are still not widely available for people with low and middle incomes due to the high cost of housing, high credit ratios and high needs of borrowers. Authors believe that the solvent demand for mortgages can be increased through the development of collective savings institutions and cooperatives such as building savings banks, housing savings accounts, housing savings and housing construction cooperatives.

The article deals with the socio-economic problems of the family. Namely, the purchase of housing through mortgage lending. The analysis of a study on the relationship of family members to mortgages is presented.