Mortgage insurance in Russia

The paper analyzes the mortgage insurance, a method of risk management and mortgage activity, allowing to spread risks between insurers and agents of the mortgage market, to improve the reliability of the system of mortgage lending, and ensure the availability of housing loans to the general public. Mortgage insurance gives you a chance to get a loan is not only a low down payment, but with an interest rate comparable to the rates on loans with high down payment, which makes these loans more favorable to the borrower.