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Managing Credit and Interest Rate Risks in Mortgage Lending


Denis Zhuk
(about the author)

Zhuk Denis Evgenyevich –

Published in:
Russian Journal of Entrepreneurship
– № 5-1 / May, 2011



Keywords: credit risk, creditworthiness, financial position of borrower, mortgage loan, mortgage rates, risk management


Citation:
Denis Zhuk (2011). Managing Credit and Interest Rate Risks in Mortgage Lending. Russian Journal of Entrepreneurship, 12(5), 136-140. — url: http://bgscience.ru/com/lib/2892


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Abstract:

The article notes that forecasting of creditworthiness of borrower in case of a natural person, is extremely rare in banking practice. In this regard, the author suggests making such forecasts more often using a combination of indicators. The author proves that the cost of mortgage finance sources, i.e. the deposit (passive) rate is the starting point for calculating the interest rate of the mortgage loan.







References:
1. Agentstvo po ipotechnomu zhilischnomu kreditovaniyu [Elektronnyy resurs]. – Rezhim dostupa: http://www.ahml.ru.
2. Loginov M.P. Antikrizisnoe upravlenie ipotechnym kreditovaniem // Denygi i kredit. – 2009. – №3.
3. RBK-Nedvizhimosty [Elektronnyy resurs]. – Rezhim dostupa: http://realty.rbc.ru.