With the onset of the crisis, mortgage lending became a key driver for Russian citizens, helping to resolve housing problems for many families, including through government subsidies. This study presents a comprehensive examination of mortgage lending in Russia under conditions of rising real estate prices, high interest rates, and relatively low household incomes. It also examines the theoretical foundations and analyzes mortgage lending trends for 2021-2024. The study identified the role of mortgage lending in banking products, positive trends in homeownership lending, and the main challenges of this type of lending. It concludes that mortgage lending remains a key economic instrument for social stability
mortgage lending, housing construction, real estate market, construction
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