The mortgage crediting as perspective direction of the development of bank investments in Ukraine

Olga Vovchak
Doctor of Economics, Professor, Head of Banking Department, Banking University, e-mail:vovchak.olga@meta.ua

Tetyana Andreikiv
PhD in Economics, Associate Professor of Finance, Credit and Insurance Department, Lviv Trade and Economic University, e-mail:andrejkiv7@meta.ua

Cite this article:

Vovchak, O., Andreikiv, T. (2016), The mortgage crediting as perspective direction of the development of bank investments in Ukraine. Ed.: M. Zveryakov (ed.-in-ch.) and others [Іpotechne kredytuvannia yak perspektyvnyi napriam rozvytku bankivskykh investytsii v Ukraini; za red.: М. I. Zveriakova (gol. red.) ta in.], Socio-economic research bulletin; Vìsnik socìal’no-ekonomìčnih doslìdžen’ (ISSN 2313-4569), Odessa National Economic University, Odessa, Issue 1, No. 60, pp. 230–238.

Abstract

The essence of the mortgage, the modern state of mortgage lending in Ukraine in terms of the currency of lending, the term of lending and the borrowers are examined and analyzed in the article. The structure of the bank mortgage crediting is investigational, the influence of the factors, related to the consequences of economic crisis, instability of currency national exchange rate, dilutive expectations of population, is determined. The attention is focused on the mortgage loans given to households in terms of currencies. The tendencies of the mortgage crediting in the banking system in modern terms and their negative influence on the economy of the state and on banking sector are described. The problems that hinder intensive development of mortgage lending in Ukraine are defined.

Keywords

mortgage credit; mortgage; commercial bank; loans; real estate.

JEL classification: G240;  DOI: https://doi.org/10.33987/vsed.1(60).2016.230-238

UD classification: 336.77:332.2(477)

References

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