The article dwells on the issues related to the financing of housing mortgage lending. The main sources of funding have been identified. It has been established that, despite the existing opportunities, credit institutions are reluctant to issue mortgage loans at the expense of urgent deposits. To the end of 2020, the share of housing mortgage loans in totalin relation to urgent deposits was 6.53%; this indicator is insignificant against the background of the existing potential. In the process of analyzing the equity resources of credit institutions as a source of financing for issuance of mortgage loans it was revealed that despite the growth in capital, the level of capitalization of the country's credit institutions remains at a low level. The reserves for a growth of the loan portfolio and mortgage housing loans at the expense of equity capital have been identified. It has been established that today not a single credit institution in our country uses a securitization mechanism as a source for attracting investments in order to increase the portfolio of residential mortgages. The restricting factors for a development of this source of financing have been identified. Restraining factors for a development of sources of financing for housing mortgage lending are revealed and specific actions are proposed to eliminate them.
housing mortgage, credit organizations, loan portfolio, sources of financing, deposits, equity, securitization
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