Mortgage and mortgage lending as a tool for financial recovery of the modern Russian economy

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.

Problems of ensuring conditions for the formation of legality in the field of agro-industrial complex and their impact on ensuring food security in Russia

“…-the high dependence of certain sub-sectors of agriculture, food and processing industry on imported supplies of seeds, genetic material, new technologies, technological equipment, plant protection chemicals, feed additives, veterinary drugs and the inability to establish their production in the country in a relatively short time, which in the conditions of the devaluation of the ruble and high inflation requires more expensive investments for accelerated import substitution [18][19][20][21]; -low rates of structural and technological modernization of agriculture, renewal of its main production assets and reproduction of natural and economic potential in conditions of maintaining an unfavorable socio-economic situation for the functioning of the industry, significant depletion of the demographic potential of the village and the inability to stop this negative process in a short time, especially in many regions of the European part of the country and the Far East at an alarming rate reduction of the rural population.…”