| Issue |
SHS Web Conf.
Volume 128, 2021
XVII International Scientific and Practical Conference on Sustainable Development of Regions (IFSDR 2021)
|
|
|---|---|---|
| Article Number | 01011 | |
| Number of page(s) | 9 | |
| Section | Sustainable Development of Regions: Economic Aspect | |
| DOI | https://doi.org/10.1051/shsconf/202112801011 | |
| Published online | 15 December 2021 | |
Mortgage lending as a mechanism to stimulate investment demand in the context of digitalization
1 Southwest State University, 94, 50 Let Oktyabrya st., Kursk, 305040, Russia
2 Central Research Institute “Cyclone”, 77, Schelkovskoe shosse, Moscow, 107207, Russia
3 Yugra State University, 16, Chekhova str., Khanty-Mansiysk, 628011, Russia
* Corresponding author: t_kolmykova@mail.ru
Currently, in difficult epidemiological conditions, there are significant changes in all spheres of human life. Also, the negative impact of the coronavirus epidemic (COVID-19) was not spared by such a significant area for humanity as a mortgage. Mortgage activity has undergone significant changes in the context of the pandemic, especially under the influence of negative factors. However, despite the difficult epidemiological conditions, the Government of the Russian Federation proposed supportive measures and provided assistance to citizens who found themselves in a difficult situation. The article analyzes the trend in the development of mortgage lending, determines the dynamics of the volume of housing mortgage lending provided by credit institutions to individuals, reveals the interdependence between the number of loans issued and the mortgage rate, examines the impact of overdue debt on mortgage loans on the efficiency of a credit institution. The article examines the activities of the leader in mortgage lending Sberbank. The authors proposed measures to improve the efficiency of mortgage lending development in the activities of Sberbank.
© The Authors, published by EDP Sciences, 2021
This is an Open Access article distributed under the terms of the Creative Commons Attribution License 4.0, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
Current usage metrics show cumulative count of Article Views (full-text article views including HTML views, PDF and ePub downloads, according to the available data) and Abstracts Views on Vision4Press platform.
Data correspond to usage on the plateform after 2015. The current usage metrics is available 48-96 hours after online publication and is updated daily on week days.
Initial download of the metrics may take a while.