Razghulina N. Development of Bank Mortgage Lending to Individuals in Ukraine

Scientific approaches to understanding the essence of bank mortgage lending to individuals are investigated within the thesis. Theoretical generalizations, analysis of scientific works of domestic and foreign scientists allowed conducting a thorough analysis of the essence of such definitions as "mortgage", "mortgage loan", "bank mortgage loan" and based on the obtained results to analyze the informative features of bank mortgage lending of individuals as a separate financial category. By using the system approach, the properties, principles of the basic factors influencing its functioning and the peculiarities of determination for the development of the national economy are substantiated. The methodical approach to the analysis of current trends of providing mortgage loans to the population by banks is proposed within the paper. This methodology is proposed to be carried out in the following sequence: assessment of the activity of banking institutions in the credit services market; knowledge of the trends of bank mortgage lending to individuals; analysis of relative indicators of the system functioning of bank mortgage lending to individuals, calculation of elasticity’s between the volumes of bank mortgage loans issued to individuals and the national currency rate; the average wage and the total volume of the retail loan portfolio of commercial banks. In addition, this methodology is applied in practice, basic trends of the system functioning of bank mortgage lending of individuals are determined and main problems that hamper its further development are described.