The complexity of assessing the value of collateral in mass mortgages for individual housing construction

The author examines issues related to the assessment of the value of future real estate objects in mass mortgage lending in the individual housing construction (IHC) sector. Based on the analysis of current construction volumes and the number of potential objects being built using mortgage funds, the author concludes that it is necessary to switch to the use of automated tools for assessing the estimated cost of construction of IHC objects in addition to classical assessment methods to ensure high-quality financing of the construction of such objects.