title: ÐÐ½Ð°Ð»Ð¸Ð· Ð¸ Ð¿ÐµÑÑÐ¿ÐµÐºÑÐ¸Ð²Ñ Ð¸Ð¿Ð¾ÑÐµÑÐ½Ð¾Ð³Ð¾ ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ñ Ð² Ð Ð¾ÑÑÐ¸Ð¹ÑÐºÐ¾Ð¹ Ð¤ÐµÐ´ÐµÑÐ°ÑÐ¸Ð¸ (Ð½Ð° Ð¿ÑÐ¸Ð¼ÐµÑÐµ ÐÐÐ Â«ÐÐ¢ÐÂ»)
title: Ð²ÑÐ¿ÑÑÐºÐ½Ð°Ñ ÐºÐ²Ð°Ð»Ð¸ÑÐ¸ÐºÐ°ÑÐ¸Ð¾Ð½Ð½Ð°Ñ ÑÐ°Ð±Ð¾ÑÐ° Ð±Ð°ÐºÐ°Ð»Ð°Ð²ÑÐ°
titleType: Subtitle
title: Analysis and prospects of mortgage lending in the Russian Federation (on the example of PJSC âVTBâ)
Creators: name: ÐÐ¸ÐºÐ¾Ð½ÐµÐ½ÐºÐ¾, ÐÐ½Ð°ÑÑÐ°ÑÐ¸Ñ
Publisher: name: Ð¡Ð°Ð½ÐºÑ-ÐÐµÑÐµÑÐ±ÑÑÐ³ÑÐºÐ¸Ð¹ Ð¿Ð¾Ð»Ð¸ÑÐµÑÐ½Ð¸ÑÐµÑÐºÐ¸Ð¹ ÑÐ½Ð¸Ð²ÐµÑÑÐ¸ÑÐµÑ ÐÐµÑÑÐ° ÐÐµÐ»Ð¸ÐºÐ¾Ð³Ð¾
Year: 2019
Subjects: Ð¸Ð¿Ð¾ÑÐµÐºÐ°
Ð¸Ð¿Ð¾ÑÐµÑÐ½Ð¾Ðµ ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ðµ
ÑÐµÑÐ¸Ð½Ð°Ð½ÑÐ¸ÑÐ¾Ð²Ð°Ð½Ð¸Ðµ
ÑÐ°Ð·Ð²Ð¸ÑÐ¸Ðµ Ð¸Ð¿Ð¾ÑÐµÑÐ½Ð¾Ð³Ð¾ ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ñ
Ð¶Ð¸Ð»Ð¸ÑÐ½Ð¾Ðµ ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ðµ
mortgage
mortgage lending
refinancing
development of mortgage lending
housing lending

description: ÐÐ±ÑÐµÐºÑÐ¾Ð¼ Ð´Ð»Ñ Ð¸ÑÑÐ»ÐµÐ´Ð¾Ð²Ð°Ð½Ð¸Ñ Ð² ÑÐ°Ð±Ð¾ÑÐµ Ð²ÑÑÑÑÐ¿Ð¸Ñ Ð±Ð°Ð½Ðº ÐÐÐ Â«ÐÐ¢ÐÂ».
Ð¦ÐµÐ»ÑÑ ÑÐ°Ð±Ð¾ÑÑ ÑÑÐ°Ð»Ð° ÑÐ°Ð·ÑÐ°Ð±Ð¾ÑÐºÐ° Ð¿ÑÑÐµÐ¹ Ð¸ Ð¼ÐµÑÐ¾Ð¿ÑÐ¸ÑÑÐ¸Ð¹ Ð¿Ð¾ Ð¿Ð¾Ð²ÑÑÐµÐ½Ð¸Ñ ÑÑÑÐµÐºÑÐ¸Ð²Ð½Ð¾ÑÑÐ¸ Ð¸Ð¿Ð¾ÑÐµÑÐ½Ð¾Ð³Ð¾ ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ñ Ð² Ð Ð¾ÑÑÐ¸Ð¹ÑÐºÐ¾Ð¹ Ð¤ÐµÐ´ÐµÑÐ°ÑÐ¸Ð¸.
ÐÑÐ» Ð¿ÑÐ¾Ð°Ð½Ð°Ð»Ð¸Ð·Ð¸ÑÐ¾Ð²Ð°Ð½ ÑÑÐ½Ð¾Ðº Ð¸Ð¿Ð¾ÑÐµÑÐ½Ð¾Ð³Ð¾ ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ñ Ð² Ð Ð¾ÑÑÐ¸Ð¹ÑÐºÐ¾Ð¹ Ð¤ÐµÐ´ÐµÑÐ°ÑÐ¸Ð¸. Ð Ð°ÑÑÐ¼Ð¾ÑÑÐµÐ½Ñ Ð¾Ð±ÑÐµÐ¼Ñ Ð¸Ð¿Ð¾ÑÐµÑÐ½Ð¾Ð³Ð¾ ÐºÑÐµÐ´Ð¸ÑÐ¾Ð²Ð°Ð½Ð¸Ñ Ð² Ð´Ð¸Ð½Ð°Ð¼Ð¸ÐºÐµ Ð·Ð° Ð½ÐµÑÐºÐ¾Ð»ÑÐºÐ¾ Ð»ÐµÑ, Ð¸Ð·Ð¼ÐµÐ½ÐµÐ½Ð¸Ñ Ð¿ÑÐ¾ÑÐµÐ½ÑÐ½Ð¾Ð¹ ÑÑÐ°Ð²ÐºÐ¸. Ð¢Ð°ÐºÐ¶Ðµ, Ð±ÑÐ»Ð¸ Ð¿ÑÐ¾Ð°Ð½Ð°Ð»Ð¸Ð·Ð¸ÑÐ¾Ð²Ð°Ð½Ñ Ð²Ð¾Ð·Ð¼Ð¾Ð¶Ð½ÑÐµ Ð¿ÑÑÐ¸ Ð¸ Ð¼ÐµÑÐ¾Ð¿ÑÐ¸ÑÑÐ¸Ñ Ð¿Ð¾ ÑÐ»ÑÑÑÐµÐ½Ð¸Ñ ÑÑÑÐµÐºÑÐ¸Ð²Ð½Ð¾ÑÑÐ¸ Ð¸Ð¿Ð¾ÑÐµÐºÐ¸, ÑÐ°Ð·ÑÐ°Ð±Ð¾ÑÐ°Ð½Ñ Ð¿ÑÐ¾Ð³ÑÐ°Ð¼Ð¼Ñ ÑÐµÑÐ¸Ð½Ð°Ð½ÑÐ¸ÑÐ¾Ð²Ð°Ð½Ð¸Ñ Ð´Ð»Ñ ÐºÐ»Ð¸ÐµÐ½ÑÐ¾Ð² Ð±Ð°Ð½ÐºÐ° ÐÐÐ Â«ÐÐ¢ÐÂ» Ð¸ Ð´Ð»Ñ ÐºÐ»Ð¸ÐµÐ½ÑÐ¾Ð² Ð¸Ð· Ð´ÑÑÐ³Ð¸Ñ Ð±Ð°Ð½ÐºÐ¾Ð². Ð ÑÐ¾Ð´Ðµ ÑÐ°Ð±Ð¾ÑÑ Ð±ÑÐ» ÑÐ´ÐµÐ»Ð°Ð½ Ð¿ÑÐ¾Ð³Ð½Ð¾Ð· Ð¾Ð±ÑÐµÐ¼Ð¾Ð² ÑÐµÑÐ¸Ð½Ð°Ð½ÑÐ¸ÑÐ¾Ð²Ð°Ð½Ð¸Ñ Ð¸ ÑÐ°ÑÑÐ¼Ð¾ÑÑÐµÐ½Ð¾ Ð²Ð»Ð¸ÑÐ½Ð¸Ðµ Ð½Ð¾Ð²ÑÑ Ð¿ÑÐ¾Ð³ÑÐ°Ð¼Ð¼ Ð½Ð° Ð¾Ð±ÑÐµÐ¼ ÐºÑÐµÐ´Ð¸ÑÐ½Ð¾Ð³Ð¾ Ð¿Ð¾ÑÑÑÐµÐ»Ñ ÐÐÐ Â«ÐÐ¢ÐÂ».
Ð ÐµÐ·ÑÐ»ÑÑÐ°ÑÐ¾Ð¼ Ð¿ÑÐ¾Ð²ÐµÐ´ÐµÐ½Ð½Ð¾Ð¹ ÑÐ°Ð±Ð¾ÑÑ ÑÐ²Ð»ÑÐµÑÑÑ Ð¾ÑÐµÐ½ÐºÐ° Ð¿ÑÐ¸Ð²Ð»ÐµÐºÐ°ÑÐµÐ»ÑÐ½Ð¾ÑÑÐ¸ Ð½Ð¾Ð²ÑÑ Ð¿ÑÐ¾Ð³ÑÐ°Ð¼Ð¼ ÑÐµÑÐ¸Ð½Ð°Ð½ÑÐ¸ÑÐ¾Ð²Ð°Ð½Ð¸Ñ Ð¸Ð¿Ð¾ÑÐµÑÐ½ÑÑ ÐºÑÐµÐ´Ð¸ÑÐ¾Ð², Ð° ÑÐ°ÐºÐ¶Ðµ Ð²Ð»Ð¸ÑÐ½Ð¸Ðµ Ð´Ð°Ð½Ð½ÑÑ Ð¿ÑÐ¾Ð³ÑÐ°Ð¼Ð¼ Ð½Ð° Ð¾Ð±ÑÐµÐ¼ ÐºÑÐµÐ´Ð¸ÑÐ½Ð¾Ð³Ð¾ Ð¿Ð¾ÑÑÑÐµÐ»Ñ.
description: The object of research in the work will be the Bank PJSC "VTB".
The aim of the work was to develop ways and measures to improve the efficiency of mortgage lending in the Russian Federation.
The mortgage market in the Russian Federation was analyzed. The volumes of mortgage lending in dynamics for several years, changes in the interest rate are considered. Also, possible ways and measures to improve the efficiency of mortgages were analyzed, refinancing programs were developed for clients of VTB Bank and for clients from other banks. In the course of the work, a forecast of refinancing volumes was made and the impact of new programs on the volume of the credit portfolio of PJSC VTB was considered.
The result of this work is to assess the attractiveness of new mortgage refinancing programs, as well as the impact of these programs on the loan portfolio.