Yaroshenko O. Modelling of the mortgage lending

The dissertation deals with subsequent development of theoretical, methodological and methodical approaches in the economic-mathematical modelling of the mortgage lending. The research covers formation and development of the institution of mortgage in the world and in Ukraine, character of its influence on economic processes in the country, analysis of the actual state of the mortgage lending in Ukraine is actualized, necessity and actuality of economic-mathematical models construction for acceptance of the adequate scientifically grounded decisions by a mortgage creditor are grounded. Particularly, the dynamic model of mortgage crisis and models, aimed for prognostics of cost of the estate property and demand for accommodation, dynamic models of borrower's benefit appraisement and probability of redemption of mortgage credit are developed. The complex of calculation models which will allow a mortgage creditor to define the size of credit payments with the account of such factors as payment of income tax, level of inflation in a country, anticipatory credit repayment by a borrower and his use of grace period are built. The applied software "Mortgage", integrated in the system "Accent 7.4" is developped as suite of tools for support of operative decisions-making by a mortgage creditor on the ground of the mortgage lending models offered in our research.