International mortgage as a socially significant type of lending and innovative banking product

Purpose: Study of legal provision of innovative banking me-the mechanisms used by Russian banks with the aim of solving problems of mortgage lending compatriots who buy property abroad. Methodology: Used historical and legal and formally legal methods. Results: the impact on the banking policy in the field of mortgage lending with collateral relations, the main feature of which is provision for its return by pledge of real estate. As one of the most promising directions in international banks-tion practices in recent years is called loans secured by multiple properties. Analyzes the international experience of mortgage lending. Reasonably concluded that effective mechanisms for international mortgage lending make possible the revival of the national industry, the banking system promotes the attraction of capital to the real sector of the economy, and occupies the last place in the complex of measures aimed at overcoming inter-state cleavages, unemployment, and inflation. Novelty/originality/value: Article possesses high scientific value, analyzes international mortgage loans, acting as innovative banking mechanism through which it becomes possible the acquisition of real estate abroad in the conditions of integration of the world community.