BUSINESS INFORM №7-2014

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Section: Finance, Money Circulation and Credit
UDC 336.717.061
Belikova T. V., Lubiannykova V. V., Khizhniak O. S.
Current State and Prospects of Development of Mortgage Lending in Ukraine (p. 304 - 308)
The purpose of this article is to analyze the current state and prospects of development of mortgage lending in Ukraine during the crisis, as well as the definition of the main reasons for the stagnation of mortgage lending. We investigated trends in the development of mortgage lending in Ukraine in the post-crisis period. The analysis of mortgage loans of non-financial corporations and households, depending on the volume of credit, maturity and type of currency was conducted. The analysis of changes in interest rates on mortgage loans in both the primary and secondary markets was held. The conditions of obtaining loans for the purchase of property by individuals were examined. The directions of development of the domestic market of housing loans in future periods were defined. As a result of the study the causes of stagnation of mortgage loans were summarized that were mentioned by various Ukrainian scientists. The factors that adversely affect the development of mortgage lending in the country were outlined. The prospect for further research in this area is to determine the conditions necessary to ensure the rapid and stable development of mortgage lending.
Keywords: mortgage, mortgage lending, mortgage market, financial institution, the interest rate
Fig.: 5. Bibl.: 10.

Belikova Tetiana V. – Candidate of Sciences (Economics), Associate Professor, Associate Professor, Department of Finance and Credit, Kharkiv National University of Civil Engineering and Architecture (40 Sumska Str., Kharkіv, 61000, Ukraine)
Email: [email protected]
Lubiannykova Viktoriia V. – Student, Faculty of Economics and Management, Kharkiv National University of Civil Engineering and Architecture (40 Sumska Str., Kharkіv, 61000, Ukraine)
Email: [email protected]
Khizhniak Olga S. – Student, Faculty of Economics and Management, Kharkiv National University of Civil Engineering and Architecture (40 Sumska Str., Kharkіv, 61000, Ukraine)
Email: [email protected]

Article is written in Ukrainian
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Reference to this article:
Belikova, Tetiana V., Lubiannykova, Viktoriia V., and Khizhniak, Olga S. (2014) “Current State and Prospects of Development of Mortgage Lending in Ukraine.” Business Inform 7:304–308.

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