The purpose of the article is to determine the optimal development trajectories based on the research of the mortgage and consumer lending segment in the Republic of Kazakhstan. The mechanism of management of the consumer and mortgage lending system in the system of financial relations between the population and the institution of banking structures; the level of optimal relationships between participants in this process and their regulation through the bank credit rate, investment and marketing activities of the country's banking institutions. The article uses methods of transformation of analytical data display, analysis and synthesis based on qualitative and quantitative approaches. The official statistics of the NBRK and the second-tier banks of the Republic of Kazakhstan were used as the initial information of the analysis. Based on the analysis of the interdependence of mortgage and consumer lending, the level of the base rate of the National Bank of the Republic of Kazakhstan and other factors, recommendations for the development of an optimal trajectory of long-term development are proposed. The problems and prospects of achieving the optimal level of mortgage and consumer lending in the Republic of Kazakhstan, taking into account the interests of both banking institutions and consumers of the country, are considered.
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