Abstract
The article describes the causes enough active use of the mechanism of the mortgage in order to resolve housing issues. It emphasizes that the problem of formation and development of the property market and the use of such forms of financing investments in real estate as mortgage lending is one of the most urgent today. In this regard, using the experience of developed countries, conclusions about the prospects of development of legal institutions in our country. Consideration of a mortgage as an intangible resource has a high degree of relevance in terms of further regulating mortgage as a banking product, as well as selecting the direction of development of state policy in the field of residential construction.
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