Shadow processes in Russian mortgage lending

The relevance of the issue is that the pace of growth in housing prices for most of the citizens of Russia does not leave other opportunities for acquiring their own home or apartment, as an appeal to mortgage lending. The article highlights the problems of the functioning of the mortgage market in the current conditions, substantiates the need for state regulation of this sphere. The state of the mortgage market is characterized, shadow processes taking place in mortgage lending in Russia are considered: financial schemes of lenders and borrowers, violations of the mortgage with state support, and measures are proposed to prevent these types of frauds that ensure the economic security of the state as a whole.