ІПОТЕЧНЕ КРЕДИТУВАННЯ ЯК ІНСТРУМЕНТ РОЗВИТКУ РИНКУ НЕРУХОМОСТІ В УКРАЇНІ
Authors:
- Ivan Franko National University of LvivILIvan Franko National University of Lviv
- Natalia SytnykNSNatalia Sytnyk
- Ihor NazarkevychINIhor Nazarkevych
- Roman ZakhidnyiRZRoman Zakhidnyi
Open Access
- 1 January 2025
- journal article
- Published by Ivan Franko National University of Lviv in Фінансовий простір
- Vol. 55 (1-2) , 90-99
Abstract
The article examines the role of mortgage lending as a key tool for stimulating the development of the real estate market in Ukraine. The set of state bodies, financial institutions, legal norms and infrastructure elements that form the environment for the functioning of the mortgage market is considered. The current state of the mortgage lending market and the real estate market is analyzed, especially in conditions of full-scale war. The main factors influencing the relationship between mortgages and activity in the housing market are identified. State programs to support mortgage lending, in particular the "e-Housing" program, are considered and their impact is assessed. Key problems that hinder the development of mortgages are identified (high interest rates, wartime risks, imperfect legislation, low solvency of the population), and directions for their solution are proposed to activate the real estate market and promote the country's economic recovery.Keywords
This publication has 1 reference indexed in Scilit:
- The American Mortgage in Historical and International ContextJournal of Economic Perspectives, 2005