ANALYSIS AND WAYS OF MORTGAGE LOANS DEVELOPMENT USING THE EXAMPLE OF A HOUSING CONSTRUCTION FACILITY

Аннотация

The article analyzes the current state and ways of developing mortgage lending with an emphasis ontheexampleof a specific housing construction facility. Thearticle examines the historical aspects of mortgage lending, its importance for the economy, as well as current trends and problems faced by the market. Special attention is paid to the analysis of a specific housing construction facility to illustrate the practical aspects of using mortgage loans. The article concludes with recommendations for improving mortgage lending mechanisms and identifies promisingareas forfurther research in thisarea. Key words: Mortgage lending, Housing construction, Economics, Financial instruments, Housing affordability, Credit market, Mortgage loan development, Mortgage lending problems, Improvement of lending mechanisms, Government support, Development barriers, Historical overview, Market analysis, Innovations in lending. АНАЛИЗИ ПУТИРАЗВИТИЯИПОТЕЧНЫХКРЕДИТОВНАПРИМЕРЕ ОБЪЕКТАЖИЛИЩНОГО СТРОИТЕЛЬСТВА Aннотaция: В статье проводится анализ современного состояния и путей развития ипотечного кредитования с акцентом на примере конкретного объекта жилищного строительства. Исследуются исторические аспекты ипотечного кредитования, его значение для экономики, а также текущие тенденции и проблемы, с которыми сталкивается рынок. Особое внимание уделяется анализу конкретного объектажилищного строительства для иллюстрации практических аспектов использования ипотечных кредитов. В заключении статьи представлены рекомендации по улучшению механизмов ипотечного кредитования и определены перспективные направления для дальнейших исследованийвданнойобласти. Ключeвыe cловa: Ипотечное кредитование, Жилищное строительство, Экономика, Финансовые инструменты, Доступность жилья, Кредитный рынок,Развитие ипотечных кредитов, Проблемы ипотечного кредитования, Улучшение механизмов кредитования, Государственная поддержка, Барьеры развития, Исторический обзор, Анализ состояния рынка,Инновации вкредитовании. Introduction. Mortgage lending is a key element of the modern economy, providing broad access to housing for various segments of the population. This mechanism contributes to the development of the construction sector, raising the standard of living and stimulating economic growth. The introduction of mortgage loans has become one of the key factors allowing a large https://ijmri.de/index.php/jmsi volume 4,issue3,2025 261 number of families to purchase their own housing, which, in turn, has a positive effect on the social and economic stabilityofsociety. Mortgage loans play a key role in the economy, since they not only help solve the housing issue, but also have a significant impact on various sectors of the economy. They stimulate demand for construction materials and services, create jobs and contribute to GDP. Assessing the impact of mortgage lending on the economy allows us to see its importance and the need for further development and improvement. The purpose of this study is to analyze the current state of mortgage lending and determine the ways of its development using a specific housing construction project as an example. The objectives ofthe studyinclude: Analysis ofthecurrent stateof themortgagelending market. Identification ofthemain problems and barriers tothe development ofmortgage loans. Research ofaspecific housingconstruction project. Development ofproposals forimproving mortgage lending mechanisms. The object of the study is the mortgage lending market, and the subject is the ways of its development using aspecific housing construction project as anexample. To achieve the stated goals and objectives, the study used various methods, including analysis of scientific literature, statistical data analysis, expert assessments and empirical research. An integrated approach allows for the most complete and objective assessment of the state and prospects for thedevelopment ofmortgagelending. Main part. The modern mortgage lending market offers various types of mortgage loans, such as annuity, differentiated, with a fixed and floating interest rate, targeted and non-targeted loans. Annuity loans, being the most popular, provide for constant monthly payments throughout the entire loan term, which allows borrowers to plan their expenses. Differentiated loans involve a decrease in the amount of monthly payments as the principal debt is repaid.Economic factors have a significant impact on the mortgage lending market. One of the key factors is the level of interest rates, which directly affects the availability of mortgage loans for borrowers. High interest rates can make mortgages less affordable for large sections of the population, which in turn affects thedemand forhousingand slows down the pace ofconstruction. Economic crises also have a significant impact on the mortgage lending market. During periods ofeconomic instability, thelevel of incomeof thepopulation decreases, unemployment increases and the risks of default on mortgage loans grow. Reg