Theoretical aspects of housing mortgage lending in modern conditions

The main form of lending in Russia is a mortgage loan, which allows solving the housing problems of the population and serves as a priority for the state as the provision of affordable housing. In modern conditions, due to various income gaps among citizens, many cannot afford to improve their living conditions with their own funds, which leads to the need to use mortgage lending. In this regard, the development and improvement of the mortgage lending system, as well as the formation of new tools for managing mortgage lending is an important aspect in banking. The purpose of the article is to study the main directions in the development of the housing mortgage lending market in modern conditions.