ИНВЕСТИЦИОННО-КРЕДИТНЫЙ МЕХАНИЗМ ИПОТЕЧНОГО КРЕДИТОВАНИЯ КОММЕРЧЕСКОЙ НЕДВИЖИМОСТИ

Abstract

Consumer demand for commercial real estate currently remains low due to both low incomes of the population and the lack of investment attractiveness of commercial real estate. These factors have a negative impact on the commercial real estate market in general and cause an overstocking of the sales market in particular. The article gives a recommendation to improve the conditions for mortgage lending in Russia, which consist in carrying out the following measures: expanding the composition of banking assets, the main factor for the implementation of which is the standardization of banking products for the purpose of free sale on the market or pledging for attracted loans in a situation of liquidity shortage; introduction of a long-term bank deposit; introduction of the scheme "long assets - long liabilities", which consists in issuing mortgage loans at the expense of loans in the secondary market by issuing their own mortgage bonds; introduction of securitization; creation of an information base of market parameters for real estate transactions. Also, an investment and credit mechanism has been formed, aimed at expanding opportunities for investing in commercial real estate, developing the commercial real estate market and attracting small and medium-sized businesses. The developed mechanism included three stages: conclusion of a preliminary loan agreement; conclusion of a mortgage lending agreement; attracting investors. As a result of the introduction of the investment and credit mechanism, the following results were obtained: the possibility of reducing the amount of the mortgage loan, reducing the monthly payment, reducing the final cost of the loan, reducing the risk of insolvency of the client, ensuring the investment attractiveness of commercial properties.