Abstract
The article is devoted to the institutional analysis of the problem of improving the legal regulation of mortgage relations in Russia in modern conditions in the presence of a rather limited financial capacity of the population in modern conditions to purchase real estate or housing. In this regard, the mortgage becomes the most necessary tool to ensure the socio-economic development of society, its stable and sustainable development. The formation of the property base currently generates a corresponding demand in the real estate market, and develops a corresponding interest among consumers in mortgage lending. At the same time, the emerging financial mechanism of mortgages also ensures the formation of the solvency of not only the population, but also other market participants, so that this market segment becomes not only in demand, but also successfully developed. Considering this problem, the author sought to update the scientific, theoretical and practical interest in this topic and to reveal the problems that hinder the development of mortgages as an important factor in the financial recovery of the modern market economy.
Highlights
The economic sphere is currently a fairly integral and constantly changing subsystem of society, generated by the objective need for continuous reproduction of the economic product, which will largely be able to provide the building of material potential, which, in the context of the transformation of economic relations [1], will provide an opportunity for a real rethinking of the post-Soviet economic paradigm and, thereby, determine the new role of the state in the economic and economic sphere
The changes associated with the transition of Russia to the system of market relations affected a large number of socio-economic relations in society
The first stage is connected with the fact that due to the transition of Russia to the path of market relations, a course was taken for the financial recovery of the modern real estate market, for its full formation and development
Summary
The economic sphere is currently a fairly integral and constantly changing subsystem of society, generated by the objective need for continuous reproduction of the economic product, which will largely be able to provide the building of material potential, which, in the context of the transformation of economic relations [1], will provide an opportunity for a real rethinking of the post-Soviet economic paradigm and, thereby, determine the new role of the state in the economic and economic sphere. The changes associated with the transition of Russia to the system of market relations affected a large number of socio-economic relations in society. They touched on the real estate market, which aims to connect buyers and sellers and has a complex structure. The right to housing is recognized by the international community as an element of the right to a decent standard of living It is predetermined by the market economy that the majority of citizens are faced with the fact that they need to independently provide themselves with housing using appropriate mechanisms (through their personal savings, or using mortgage lending)
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