Analysis of modern forms of mortgage lending state support in the Russian Federation as a growth factor of availability of mortgage lending
Коростелева Т.С.1, Целин В.Е.1
1 Самарский национальный исследовательский университет им. акад. С.П. Королева
Download PDF | Downloads: 5 | Citations: 23
Journal paper
(РИНЦ, ВАК)
опубликовать статью | оформить подписку
Volume 5, Number 2 (April-June 2018)
Please, cite as:
Korosteleva T.S., Tselin V.E. Analiz sovremennyh form gosudarstvennoy podderzhki ipotechnogo kreditovaniya v RF kak faktora rosta dostupnosti ipotechnogo kreditovaniya dlya naseleniya // Zhilishchnye strategii. – 2018. – Tom 5. – № 2. – S. 153-170. – doi: 10.18334/zhs.5.2.39290.
Indexed in Russian Science Citation Index: https://elibrary.ru/item.asp?id=36393656
Cited: 23 by 07.12.2023
Abstract:
The article examines the current trends in the development of mortgage lending in the Russian Federation with an emphasis on the dynamics of mortgage rates, analyzes banking programs that offer their borrowers minimum interest rates, studied the state support programs implemented in 2018 at both Federal and regional levels. The necessity of expanding the state support of mortgage lending in Russia is substantiated. The mechanisms of state support of regional mortgage markets on the basis of expanding the range of users of social mortgage, as well as the development and implementation of mechanisms of state support of regional mortgage markets on the basis of the system of differentiation of the regions of the Russian Federation.
Keywords: state support, regions, mortgage lending, mortgage market, mortgage rates, availability, social mortgage programs
JEL-classification: G21, R31, R21
References:
(2017). Analiticheskiy tsentr OOO «RusIpoteka» Obzor konkurentnoy sredy na rynke ipotechnogo kreditovaniya po itogam 1 kvartala 2017 goda [Analytical center of "Rusipoteka" LLC review of the competitive environment in the mortgage market at the end of the 1st quarter of 2017]. Russian Journal of Housing Research. 4 (2). 167-173. (in Russian). doi: 10.18334/zhs.4.2.38290.
Artemkina E.V. (2012). Razvitie ipotechnogo zhilischnogo kreditovaniya s gosudarstvennoy podderzhkoy v usloviyakh vozniknoveniya ugroz finansovo-ekonomicheskikh krizisov [Development of mortgage housing crediting with the state support in conditions of occurrence of threats of financial and economic crises]. Biznes v zakone. Ekonomiko-yuridicheskiy zhurnal. (1). 250-254. (in Russian).
Bystrov V.A., Balaba E.F., Borisova T.N., Grekova N.Yu., Tregubova O.G. (2016). Ipotechnoe kreditovanie zhilischnogo stroitelstva v Kemerovskoy oblasti, sostoyanie i puti razvitiya [Mortgage loans for housing in the kemerovo region, the state and the ways of development]. Fundamental research. (11). 762-767. (in Russian).
Gareev I.F., Mukhametova N.N. (2016). Rynok pervichnoy nedvizhimosti: vozmozhnosti i prepyatstviya dlya dalneyshego razvitiya [New-built property market: possibilities and obstacles in terms of further development]. Russian Journal of Entrepreneurship. 17 (21). 2875–2884. (in Russian). doi: 10.18334/rp.17.21.37021.
Garipova Z.L. (2014). Sotsialnye posledstviya ipotechnogo zhilischnogo kredita [Social consequences of a mortgage loan]. Finance and credit. (31). 25-31. (in Russian).
Gorodnova N.V. (2011). Napravleniya i mery gosudarstvennoy podderzhki sistemy ipotechnogo kreditovaniya [Directions and measures of state support of the mortgage lending system]. Finance and credit. 17 (29(461)). 2-8. (in Russian).
Grin S.V. (2017). Problemy i perspektivy razvitiya ipotechnogo kreditovaniya v tselyakh snizheniya riskov ekonomiki i finansovoy sistemy Rossii [Problems and prospects of development of mortgage lending for risking the russian economy and financial system]. Economics and management: problems, solutions (Ekonomika i upravleniye: problemy, resheniya nauchno-prakticheskiy zhurnal). 3 (8). 135-139. (in Russian).
Karavaeva Yu.S. (2018). Sovremennyy rynok ipotechnogo kreditovaniya i problemy ego razvitiya [Problems of functioning of regional banks in the current economic conditions]. Bulletin NGII. (2(81)). 133-147. (in Russian).
Koroleva A.M. (2015). Sovremennoe sostoyanie i perspektivy upravleniya rynkom ipotechnogo kreditovaniya v Rossii [Current status and prospects of mortgage lending market management in russia]. Voprosy upravleniya. (2). 116-121. (in Russian).
Korosteleva T.S. (2015). Poisk dostupnyh dlya naseleniya modeley organizatsii ipotechnogo kreditovaniya v usloviyakh bankovskogo krizisa 2015 g [Search for models of mortgage lending available for the population in the conditions of the banking crisis of 2015]. Russian Journal of Housing Research. 2 (1). 53-68. (in Russian). doi: 10.18334/zhs.2.1.416.
Korosteleva T.S. (2016). Ipotechnye krizisy sovremennoy Rossii: regionalnye osobennosti i politika preodoleniya [Mortgage crises in modern Russia: Regional features and policies to overcome]. Regional Economics: Theory and Pactice. (5(428)). 137-150. (in Russian).
Korosteleva T.S. (2017). Ipotechnoe kreditovanie kak instrument zhilischnogo finansirovaniya v razvivayuschikhsya stranakh: opyt Rossii, Indii, Kitaya [Mortgage lending as a tool for housing finance in developing countries: the experience of Russia, India, China]. Russian Journal of Housing Research. 4 (3). 229-254. (in Russian). doi: 10.18334/zhs.4.3.38698.
Pechenskaya M.A. (2015). Lgotnye ipotechnye kredity v regione: usloviya predostavleniya i vozmozhnosti uchastiya [Preferential mortgage loans in the region: conditions for granting and opportunities for participation]. Problems of Territory’s Development. (2(76)). 135-145. (in Russian).
Peresypkina N.V., Pukas N.A. (2015). Neobkhodimost razvitiya sotsialnoy ipoteki v Rossiyskoy Federatsii [The need for the development of social mortgage in the russian federation]. Ulletin of the Volzhsky University named after. V.N.. Tatishcheva. (1(33)). 67-74. (in Russian).
Sirotkin V.A. (2015). Evropeyskiy opyt razvitiya ipotechnogo kreditovaniya [European experience of the mortgage lending development]. Russian Journal of Housing Research. 2 (2). 109-118. (in Russian). doi: 10.18334/zhs.2.2.512.
Sklyarova E.V., Liman I.A. (2016). Modernizatsiya mekhanizmov ipotechnogo kreditovaniya v Rossii [Modernization of mechanisms of the mortgage crediting in russia]. International Research Journal. (1-1(43)). 79-81. (in Russian). doi: 10.18454/IRJ.2016.43.005.
Tsyrkaeva E.A. (2015). Rol ipotechnogo kreditovaniya v razvitii rynka zhilya Privolzhskogo federalnogo okruga [The role mortgage lending in the hoising market the volga federal district]. Bulletin USPTU. Science, education, economy. Series economy. (1(11)). 89-92. (in Russian).
Vakhabov E.N., Mamedova Ch.N. (2016). Bankovskaya konkurentsiya v Rossii na primere ipotechnogo kreditovaniya [Banking competition in russia on the example of mortgage credit lending]. Vestnik Universiteta. (4). 113-118. (in Russian).
Итоги развития рынков ипотеки и жилья, 2018 год, 1-й кварталRusipoteka.ru. Retrieved from http://rusipoteka.ru/files/analytics/ahml/2018/monthly-r/rynok-ipoteki-i-zhiliya 1kv-2018.pdf
Мониторинг ипотечного рынка – март 2018Rusipoteka.ru. Retrieved from http://rusipoteka.ru/profi/analytics/rusipoteka
Официальный сайт АО «ДОМ.РФ. (in Russian). Retrieved from https://дом.рф
Официальный сайт Информационного портала «Все об ипотеке». (in Russian). Retrieved from http://www.vse-obipoteke.ru
Официальный сайт Информационного портала Numbeo. (in Russian). Retrieved from https://www.numbeo.com
Официальный сайт Проекта «ИПОТЕКАВЕД.RU». (in Russian). Retrieved from https://ipotekaved.ru/
Официальный сайт ЦБ РФ. (in Russian). Retrieved from http://www.cbr.ru
Стратегия развития ипотечного жилищного кредитования в Российской Федерации до 2020 года утверждена распоряжением Правительства Российской Федерации от 8 ноября 2014 г. № 2242-рDocs.cntd.ru. (in Russian). Retrieved from http://www. http://docs.cntd.ru/document/420232990
ФОМ: большинство россиян не готовы брать ипотеку даже при ставке 8%М. РИА Новости. (in Russian). Retrieved from https://realty.ria.ru/mortgage_news/20180627/1523470680.html
Artemkina E.V. (2012). Razvitie ipotechnogo zhilischnogo kreditovaniya s gosudarstvennoy podderzhkoy v usloviyakh vozniknoveniya ugroz finansovo-ekonomicheskikh krizisov [Development of mortgage housing crediting with the state support in conditions of occurrence of threats of financial and economic crises]. Biznes v zakone. Ekonomiko-yuridicheskiy zhurnal. (1). 250-254. (in Russian).
Bystrov V.A., Balaba E.F., Borisova T.N., Grekova N.Yu., Tregubova O.G. (2016). Ipotechnoe kreditovanie zhilischnogo stroitelstva v Kemerovskoy oblasti, sostoyanie i puti razvitiya [Mortgage loans for housing in the kemerovo region, the state and the ways of development]. Fundamental research. (11). 762-767. (in Russian).
Gareev I.F., Mukhametova N.N. (2016). Rynok pervichnoy nedvizhimosti: vozmozhnosti i prepyatstviya dlya dalneyshego razvitiya [New-built property market: possibilities and obstacles in terms of further development]. Russian Journal of Entrepreneurship. 17 (21). 2875–2884. (in Russian). doi: 10.18334/rp.17.21.37021.
Garipova Z.L. (2014). Sotsialnye posledstviya ipotechnogo zhilischnogo kredita [Social consequences of a mortgage loan]. Finance and credit. (31). 25-31. (in Russian).
Gorodnova N.V. (2011). Napravleniya i mery gosudarstvennoy podderzhki sistemy ipotechnogo kreditovaniya [Directions and measures of state support of the mortgage lending system]. Finance and credit. 17 (29(461)). 2-8. (in Russian).
Grin S.V. (2017). Problemy i perspektivy razvitiya ipotechnogo kreditovaniya v tselyakh snizheniya riskov ekonomiki i finansovoy sistemy Rossii [Problems and prospects of development of mortgage lending for risking the russian economy and financial system]. Economics and management: problems, solutions (Ekonomika i upravleniye: problemy, resheniya nauchno-prakticheskiy zhurnal). 3 (8). 135-139. (in Russian).
Karavaeva Yu.S. (2018). Sovremennyy rynok ipotechnogo kreditovaniya i problemy ego razvitiya [Problems of functioning of regional banks in the current economic conditions]. Bulletin NGII. (2(81)). 133-147. (in Russian).
Koroleva A.M. (2015). Sovremennoe sostoyanie i perspektivy upravleniya rynkom ipotechnogo kreditovaniya v Rossii [Current status and prospects of mortgage lending market management in russia]. Voprosy upravleniya. (2). 116-121. (in Russian).
Korosteleva T.S. (2015). Poisk dostupnyh dlya naseleniya modeley organizatsii ipotechnogo kreditovaniya v usloviyakh bankovskogo krizisa 2015 g [Search for models of mortgage lending available for the population in the conditions of the banking crisis of 2015]. Russian Journal of Housing Research. 2 (1). 53-68. (in Russian). doi: 10.18334/zhs.2.1.416.
Korosteleva T.S. (2016). Ipotechnye krizisy sovremennoy Rossii: regionalnye osobennosti i politika preodoleniya [Mortgage crises in modern Russia: Regional features and policies to overcome]. Regional Economics: Theory and Pactice. (5(428)). 137-150. (in Russian).
Korosteleva T.S. (2017). Ipotechnoe kreditovanie kak instrument zhilischnogo finansirovaniya v razvivayuschikhsya stranakh: opyt Rossii, Indii, Kitaya [Mortgage lending as a tool for housing finance in developing countries: the experience of Russia, India, China]. Russian Journal of Housing Research. 4 (3). 229-254. (in Russian). doi: 10.18334/zhs.4.3.38698.
Pechenskaya M.A. (2015). Lgotnye ipotechnye kredity v regione: usloviya predostavleniya i vozmozhnosti uchastiya [Preferential mortgage loans in the region: conditions for granting and opportunities for participation]. Problems of Territory’s Development. (2(76)). 135-145. (in Russian).
Peresypkina N.V., Pukas N.A. (2015). Neobkhodimost razvitiya sotsialnoy ipoteki v Rossiyskoy Federatsii [The need for the development of social mortgage in the russian federation]. Ulletin of the Volzhsky University named after. V.N.. Tatishcheva. (1(33)). 67-74. (in Russian).
Sirotkin V.A. (2015). Evropeyskiy opyt razvitiya ipotechnogo kreditovaniya [European experience of the mortgage lending development]. Russian Journal of Housing Research. 2 (2). 109-118. (in Russian). doi: 10.18334/zhs.2.2.512.
Sklyarova E.V., Liman I.A. (2016). Modernizatsiya mekhanizmov ipotechnogo kreditovaniya v Rossii [Modernization of mechanisms of the mortgage crediting in russia]. International Research Journal. (1-1(43)). 79-81. (in Russian). doi: 10.18454/IRJ.2016.43.005.
Tsyrkaeva E.A. (2015). Rol ipotechnogo kreditovaniya v razvitii rynka zhilya Privolzhskogo federalnogo okruga [The role mortgage lending in the hoising market the volga federal district]. Bulletin USPTU. Science, education, economy. Series economy. (1(11)). 89-92. (in Russian).
Vakhabov E.N., Mamedova Ch.N. (2016). Bankovskaya konkurentsiya v Rossii na primere ipotechnogo kreditovaniya [Banking competition in russia on the example of mortgage credit lending]. Vestnik Universiteta. (4). 113-118. (in Russian).
Итоги развития рынков ипотеки и жилья, 2018 год, 1-й кварталRusipoteka.ru. Retrieved from http://rusipoteka.ru/files/analytics/ahml/2018/monthly-r/rynok-ipoteki-i-zhiliya 1kv-2018.pdf
Мониторинг ипотечного рынка – март 2018Rusipoteka.ru. Retrieved from http://rusipoteka.ru/profi/analytics/rusipoteka
Официальный сайт АО «ДОМ.РФ. (in Russian). Retrieved from https://дом.рф
Официальный сайт Информационного портала «Все об ипотеке». (in Russian). Retrieved from http://www.vse-obipoteke.ru
Официальный сайт Информационного портала Numbeo. (in Russian). Retrieved from https://www.numbeo.com
Официальный сайт Проекта «ИПОТЕКАВЕД.RU». (in Russian). Retrieved from https://ipotekaved.ru/
Официальный сайт ЦБ РФ. (in Russian). Retrieved from http://www.cbr.ru
Стратегия развития ипотечного жилищного кредитования в Российской Федерации до 2020 года утверждена распоряжением Правительства Российской Федерации от 8 ноября 2014 г. № 2242-рDocs.cntd.ru. (in Russian). Retrieved from http://www. http://docs.cntd.ru/document/420232990
ФОМ: большинство россиян не готовы брать ипотеку даже при ставке 8%М. РИА Новости. (in Russian). Retrieved from https://realty.ria.ru/mortgage_news/20180627/1523470680.html
Страница обновлена: 20.05.2024 в 00:33:58