FEATURES OF DEVELOPMENT OF BANK MORTGAGE LENDING OF INDIVIDUALS IN UKRAINE

Author:

Maksym Dubyna, Chernihiv National University of Technology (95 Shevchenka Str., Chernihiv, Ukraine).

, Chernihiv National University of Technology (95 Shevchenka Str., Chernihiv, Ukraine).

Maruha Olexandr, Chernihiv National University of Technology (95 Shevchenka Str., Chernihiv, Ukraine).

Language: ukrainian

Annotation:

Current state of the system of bank mortgage lending of individuals in Ukraine is considered within the article. The focus was on defining the basic long-term trends of its development The results of the evaluation of this situation made it possible to establish the existence of a crisis state in the modern functioning of the specified system. It is also determined that the most destructive impact on its development was made as a result of the financial and economic crisis of 2008-2009, after which the dynamic functioning of the indicated system was replaced by a sharp decline in its growth rate. It was established that the development of the system of bank mortgage lending of individuals in Ukraine is further related exclusively to the normalization of the financial situation in the state, using by state authorities of stimulating lending activities, which will help to gradually increase the level of financial capacity of citizens to use long-term mortgage products of banks.

Key words:

mortgage; mortgage loan; bank mortgage loan; lending; system of bank mortgage lending of individuals.

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