employee
The relevance of the research topic is due to the importance of mortgage lending in the development of the construction industry, which belongs to the backbone sector of the country's economy, as well as provides solutions to important problems for citizens related to improving housing conditions. In modern conditions, the mortgage market is the most significant part of the country's credit market, given the scale of banks' accumulated credit resources in this market. The article analyzes the dynamics of the mortgage lending market in Russia, identifies problems and current development trends. The conclusion is made about the increase in problem mortgage debt and the decrease in the quality of mortgage portfolios of Russian banks in modern conditions. Thus, underestimating the risks on the part of borrowers leads to an increase in problematic mortgage debt and a decrease in the quality of banks' mortgage portfolios
banking sector, mortgage lending, government support, preferential programs
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