This article covers the essence of such concepts as "mortgage" and "mortgage lending" in accordance with the current legislation of Ukraine. The main method of creating a national system of mortgage lending is the formation of effective market mechanisms for obtaining long-term financial resources in the financial and credit sphere. On this basis the market of long-term mortgage lending will function with the use of existing market infrastructure and financial instruments that will allow to gradually reduce the cost of mortgage loans to the population and the subjects of economic activity and increase the terms of lending. Mortgage lending in Ukraine has been growing dynamically in recent years, but the share of mortgage loans in the general portfolio of commercial banks is low. It was found that the main factors that influence the development of mortgage relations in our state include: Inadequate legal regulation of mortgage relations, lack of public confidence in commercial banks, low income level of the population, high interest rates, Inflationary processes, exchange rate instability, moratorium on foreclosure on foreign currency mortgages, weak financial condition of small agricultural enterprises, coronocrisis. In dynamics the structure and rates of credits growth granted by banks of Ukraine to households by purpose conjugation, repayment terms and currency breakdown were investigated. Investigation of the factors that influence the development of the mortgage relations system in Ukraine under market conditions allowed us to make scientific and theoretical and practical conclusions: for financial stability in the state it is necessary a well-organized work of all participants of the mortgage market; creation of state guarantees of economic security of citizens will contribute to renewal of trust of population to the bank sector of Ukraine; To make the primary real estate market more transparent and strengthen the protection of investors' rights; to lift the moratorium on the foreclosure of property with foreign currency mortgage loans; to create conditions for the sale of agricultural land and bank loans against land pledges. Key words: bank, mortgage credit lending, financial instruments, National Bank of Ukraine, investment resources.

Introduction. The problems of efficient functioning of financial intermediaries in general and integrated financial intermediaries - financial supermarkets in particular, which are created as a result of integration-convergent processes in order to expand the spectrum of financial services, are today topical issues that should be in the field of scientific research. Purpose. Finding out the place of financial supermarkets among financial intermediaries operating in the financial market and the theoretical substantiation of their role in building a model of the system for improving the quality of financial services. Results. The tendencies of development of financial intermediaries in the conditions of globalization are determined and on this basis the factors, which determine the transformation of their functional purpose, are substantiated. The analysis and systematization of theoretical and practical aspects connected with the estimation of prospects of financial supermarkets in comparison with traditional methods of realization of financial services is carried out. The advantages and disadvantages of functioning of financial supermarkets and the main barriers that hinder their proliferation on the financial market of Ukraine are determined. Conclusion. Financial supermarket is a new form of distribution of financial services that meets the economic and technological requirements of the modern world. Principal features that distinguish it from other financial intermediaries give it a number of competitive advantages. However, domestic realities show the existence of a large number of barriers that impede the creation and development of financial supermarkets in Ukraine. Overcoming them will allow the expansion of the market of integrated financial intermediaries and lead to the development of new forms of functioning of financial capital.

The article is devoted to the review of branch cadastres, their development with the use of geographic information technologies and the improvement of the legal regulation of the cadastral data system. It is established that branch cadastres are an information base for effective management of nature and environmental protection. The complex management nature necessitates to achieve a full relationship between the individual components of information support related to the characteristics of natural resources. Sectoral cadastres are the basis of territorial information systems, and the complexity of information in them is achieved through the use of calculated integrated indicators, iterative expert assessments based on the analysis of data on individual natural resources, as well as environmental monitoring data and government statistics. The importance of developing a national infrastructure of geospatial data, which will further increase their capacity to address critical public challenges, namely: emergency management, economic processes, effective governance in the field of public utilities and many other public administration functions. The development of GIS technologies in Ukraine is at the production stage of development, which is characterized by active implementation in assessing the value of modern software products, creating comprehensive and thematic electronic maps, using satellite and GPS data, using the Internet. Responsible and competent decision-making on territorial management, including the implementation of land planning and land management, requires integrated processing and analysis of information and geospatial data contained in separate departmental and sectoral cadastral and registration systems. The integration of cadastral data of different quality should be considered as one of the most urgent tasks. The development of geographic information technologies and cadastral systems requires the development of algorithms that will allow to combine geodata in an automated mode and without human intervention that have differences in the completeness of materials, their relevance, origin, reliability. The openness of the system of state branch cadastres promotes the ability of every citizen to obtain information about natural resources, protection of the rights and legitimate interests of the owners of such resources. This necessitates legislative regulation for providing procedure cadastral information as a separate stage of the cadastral process. Keywords: land resources, forest resources, water resources, geographic information system, management mechanisms, integration.

Introduction. Modern socio-economic processes in the country, including the processes of decent-rallization of power, are closely linked to the formation of self-sufficient communities. Therefore, it is important to find effective own sources of economic development of communities. One of the sources of filling local budgets is the land tax, rent and payment for communal land plots during their sale, etc. The amount of the above payments is based on the results of the calculation of the monetary value of land. Therefore, the issue of unification of approaches to land valuation and implementation of valuation procedures remains relevant. In 2020, a new comprehensive approach to the calculation of the normative monetary valuation of lands of all forms of ownership and categories, regardless of their location (within or outside the settlements) is proposed. The purpose of the article is to study innovations in the field of land valuation as part of the formation of local budgets. Results. According to the results of calculations of the normative monetary valuation of four non-agricultural land plots within and outside the settlements, significant differences in the value of lands located outside the settlements were revealed, and the established fact of significant impact population in the settlements that are the administrative centers of the newly formed communi-ties, and the relatively small impact of the location of land plots on relatively large settlements. Conclusion. The results of the study prove the relevance of improving approaches to monetary valuation of land. The unified approach proposed in the draft methodology of 2020 has positive features, among which we can note: a simplified procedure for obtaining initial data for regulatory monetary valuation of lands of all categories of land, and the ease of application of geographic information technologies. However, a number of indicators need to be refined, such as the coefficient that takes into account the location of the community within the zone of influence of large cities (Km1), the coefficient that characterizes the zonal factors of land location (Km4) and the capitalized rental income ratio, lands (Nrd) for recreational purposes, lands for industry, transport, communications, energy, defense and other purposes. Keywords: expert monetary evaluation, land plot, land legislation methodical approach, normative monetary evaluation.

Based on the analysis of the current state of existing agricultural cooperatives within the country and their features in Lviv region, main problems of development of this organizational and legal form have been identified. It is established that the functioning of agricultural cooperatives in Lviv region is still in its infancy due to imperfect institutional environment and their production and economic results do not have a significant impact on the overall economic condition of the agricultural sector and the welfare of the rural citizens. Dynamics of registered cooperatives in Ukraine is compared with the actual ones. It is shown that the development of cooperative process is made due to changes to general socio-economic situation in the industry, which is facilitated by state authorities, as well as development of the latest forms and methods of organizing economic activity in rural areas, implemented on a project basis. Conclusions are made that creation and functioning of cooperatives is the result of institutional changes, and cooperative organizational forms can be considered as a certain social capital. It is established that the main problems of agricultural cooperation development in Ukraine are: incomplete restructuring of the agricultural sector, weak material and technical base of cooperatives, especially in capital-intensive areas of agricultural production, unavailability of loans and weak financial support of agricultural cooperation by the state. It is shown that the state policy should be aimed at creating conditions for the development of agricultural cooperatives, intensification of cooperatives, state support and legal protection of cooperatives, optimization of tax policy by differentiating tax rates and facilitating access to credit for agricultural cooperatives. rural households. It is recommended in further research to pay attention to the elimination of identified obstacles, primarily of an institutional nature, in accelerating the development of agricultural cooperatives as an organizational and legal form that has significant potential for its development. Keywords: agricultural cooperatives, organizational and economic form, cooperative movement, production cooperatives, service cooperative.