Analysis of Mortgage Crediting in Udmurt Republic

Abstract

The mortgage loan market covers the activities of the lender and the borrower, between which, by virtue of entering into a loan agreement, obligations arise. Market participants are citizens and mortgage banks or credit institutions, at which the mortgage is real estate. Mortgage lending turns real estate into working capital, helping the residents of the Republic to get their own square meters, and creditors - their income. The subject of analysis in the paper is the mortgage market. The paper deals with regional aspects of mortgage lending organization in the Udmurt Republic and the Volga Federal District as a whole. The features of the credit market are noted by compiling statistics on the volume of mortgage loans issued to the population in quantitative ratio and ruble terms. The problems of increasing the overdue debt on a mortgage loan are identified with an increase in the number of loans issued. Prices for a square meter of primary and secondary housing in the region in the context of the year are analyzed and compared with the number of mortgage loans issued. The paper presents an analysis of the share of the Udmurt Republic in the Russian Federation. Information is provided on existing organizations that provide mortgage housing loans. The charts of weighted average and key rates in the context of the year for individuals of residents were compiled.