Some nuances in modern mortgage lending

Analysis shows that modern mortgage lending, combined with calculation and refinancing tools, opens up the possibility of expanding mortgages into those categories of borrowers whose income lies, according to commercial banks, in the field of loan repayment risks. The author argues that it is enough to take into account the main criterion of the consumer value of apartments, namely, the amount of living space in order to adjust demand and supply. At the same time, the central bank's tools for refinancing a construction loan and a mortgage loan do not trigger inflation processes in the economy. It is concluded that all the nuances of total capital turnover in the construction field create a slender system of dynamic and sustainable development of the national economy regardless of the world conjuncture.