PROBLEMS OF MODELING THE MORTGAGE MARKET OF UKRAINE

Abstract

Abstract. The evolution of mortgage market modeling in the context of implementing the strategy of technological development of the national economy is analyzed, that allowed to take into account the disadvantages and advantages of all models, modern socio-economic problems and implement the mortgage market as a mechanism for achieving structural changes in the national economy. Approaches to solving modern problems of mortgage lending in Ukraine through the introduction of specialized mortgage-industrial centers are reasoned: 1) diver­sification of primary sources of financing in order to maximize them and reduce risks; 2) the presence of an industrial partner company that ensures high production efficiency and has a permanent demand for goods or services; 3) finding the management of the model in the same business hands, in particular the bank, which ensures coordination and optimal distribution of profits between the participants; 4) the need for permanent control over the operation of the model in order to reduce technical, financial and moral risks for mortgage market participants. The universality of the proposed model of mortgage lending for industry (industrialization: renewal of the fleet of equipment and facilities, introduction of technological innovations), agro-industrial complex (modernization of agricultural machinery, development of agricultural science, introduction of world technologies in crop and livestock production, raising food production standards), housing construction and united territorial communities (replacement of the fleet of public transport equipment — buses, trolleybuses, trams) to address the issue of investing current tasks. Keywords: mortgage lending market, mortgage risks, national economy, development strategy, mortgage-industrial center. JEL Classification A13, E17, E44, E69 Formulas: 1; fig.: 2; tabl.: 0; bibl.: 10.