Background and prospects for the development of mortgage loans in the Russian Federation

The article is devoted to the actual topic of mortgage lending in modern economic conditions. The problem of providing Russians with housing has existed for many years and requires a solution. Mortgage lending is a tool for solving this problem. On the other hand, mortgage lending has an impact on the functioning of the country's banking system. The author proves the necessity and effectiveness of mortgage lending not only in the housing market, but also for the land market.