Sergey GordeykoPublished in:
Russian Journal of Housing Research
– Volume 3, Number 3 (July-September)

JEL classification: G21, L21, O16

Keywords: competition, efficiency, modern technologies, mortgage lending, strategic management, systematic approach


Share:

Abstract:

The article continues the study of the development trends in the banking and socio-economic areas in order to identify the perspective image of the mortgage business. The most important factors, that may affect the performance of the mortgage lender, has been identified. The basic directions of increasing the efficiency of the mortgage project in a commercial bank has been offered. Presented findings will be useful for professional participants of the mortgage market.

Highlights:

► the current socio-economic situation and the state of the mortgage market allows to prepare and make the appropriate breakthrough regarding volumes and effectiveness of a mortgage business
► an independent funding provision for a mortgage business by issuing the mortgage-backed securities is a "perpetuum mobile of a mortgage project"
► mortgage lending will be the only developing kind of lending for few years
► clients’ expectations about speed, service and gratuitousness of services are challenging the technologies of mortgage lending and the sale of additional services
► at heart, the majority of the consumers remain conservative and willing to use the services of one financial partner, and to save personal loyalty

---

References:
1. Gordeyko S.G. Konkurentsiya: kakim budet ipotechnyy biznes zavtrashnego dnya? [Elektronnyy resurs] // Bankir.ru. – 2016. – 8 sentyabrya. – Rezhim dostupa: http://bankir.ru/publikacii/20160908/konkurentsiya-kakim-budet-ipotechnyi-biznes-zavtrashnego-dnya-10008009
2. Gordeyko S.G. Upravlenie klientskim portfelem ipotechnyh kreditov na osnove zhiznennogo tsikla klienta // Klienting i upravlenie klientskim portfelem. – 2013. – № 4. – S. 278–286.
3. Gordeyko S.G. Klientotsentrichnosty – perspektivnaya strategiya roznichnogo bankovskogo biznesa // Klienting i upravlenie klientskim portfelem. –2014. – № 1. –
S. 20–34.
4. Anokhin P.K. Printsipialnye voprosy obschey teorii funktsionalnyh sistem // Printsipy sistemnoy organizatsii funktsiy. – M.: Nauka, 1973. – S. 5–61.
5. Gordeyko S.G. Izmenenie sistemy prodazh finansovyh uslug v krizisnye periody// Upravlenie prodazhami. – 2015. – № 1 – S. 22–23.
6. Gordeyko S.G. Upravlenie klientskim portfelem ipotechnyh kreditov na osnove zhiznennogo tsikla klienta // Klienting i upravlenie klientskim portfelem. – 2013. – № 4. – S. 278–286.
7. Entsiklopediya filosofskikh nauk. Ch. 1. Logika. – M., L.: Institut K. Marksa i F. Engelsa, 1929. – 368 s.