EVOLUTION OF GOVERNMENTAL TOOLS IN HOUSING MORTGAGE LENDING

Abstract

Currently, mortgage lending is one of the most dynamically developing areas. The impetus for this development was given by a series of government measures taken as support for industries affected by the COVID-19 pandemic. In addition, the general course towards digitalization affects the process of transformation of this sphere. Therefore, the purpose of this study is to analyze the current state of the sphere of mortgage lending in the context of the instruments used. The analysis of statistical and informational reports of DOM.RF, the Bank of Russia, programs and reports on the implementation of national projects and programs made it possible to determine the main stages in the implementation of housing policy and highlight the main tools used in the field of mortgage lending at the present stage. The conclusions obtained in the course of the study are important for the theoretical understanding of the problem under consideration.