Harina N. Organizationally-administrative principles of the mortgage in Ukraine

The thesis is devoted to developing the theoretical and methodological principles, methodical positions and practical recommendations for improving the mechanism of residential mortgage lending in Ukraine. The essence of residential mortgage and correspondently mechanism has been analyzed by standpoints of institutional theory. The periods of institutional development with depending on the ratio of institutional innovations in the production of market factors and government regulation have been systematized. The world experience of transplantation mortgage institutions in underdeveloped institutional environment has been summarized. The features of evolutionary mechanism residential mortgage in Ukraine and its functional efficiency for key stakeholders subject relations have been investigated. The public efficiency of mortgages in Ukraine has been modeled its dependence on income, price of residential real estate and mortgage parameters has been examined. The comparative assessment of the effectiveness of public subsidization of mortgage models has been accomplished and the expediency of the national system of building savings, implementation of which will significantly increase the public efficiency of mortgage in Ukraine, as well as the greatest impact of government support residential mortgages has been grounded.