Матвиишин М. С

Now the mortgage becomes the main banking service which provides stability of the loan portfolio of banks in a segment of crediting of natural persons against the background of falling of sales volume of the other retail credit products. In this regard the relevance of questions of ensuring the high level of quality of the service of the mortgage housing lending (MHL) for clients of commercial banks in the conditions of toughening of the competition between the last increases. The perspective of a research is that earlier researchers in the field of banking didn’t deal with the issues of modeling of stages of the process of rendering service in each credit product for natural persons and were limited only to the unified stages of the process of crediting of natural persons in general. In the submitted article as process the service of mortgage housing lending which strategy of quality management is developed to each stage of her rendering is considered. It emphasizes the difficult nature of the service MHL which distinguishes it from the other banking credit services.The methodological basis of research is made by the system approach, functional and comparative analysis, methods of the expert estimates and also provisions of the logical and complex approaches.

Increase in the prices for the real estate leads to the constantly increasing gap between the housing prices and the income of citizens. It isn’t possible to get housing in property under the contract of purchase and sale without the use of borrowed funds for the most of Russians. Mortgage lending is the most acceptable way of buying of the property premises. Existence of the own housing brings an element of wellbeing and stability in the life of people, and it is very important, according to the sociologists that housing appeared as soon as possible, but not after ten years’ expectations. In this regard the alternative to mortgage housing lending doesn’t exist. Systematization of approaches to an assessment of availability of services of mortgage lending to the population in the following parameters is presented in the article: the average rate on a mortgage; a share of the monthly located income which is spent for payments for IZhK; total amount of “overpayment” on a mortgage; the amount of initial contribution for receiving a mortgage loan; a set of documents for submission of the credit application and confirmation of solvency; possibility of the choice of a way of repayment of a mortgage loan. The methodological basis of a research is made by a system approach, functional and comparative analysis, the method of expert evaluations.