Table of contents (expand)
- Banking system (BS)
- Commercial loan (CC)
- Credit system (CS), main links, functions and stages of development in Russia
- Stages of development of the credit system in the Russian Federation
- Operations of the Central Bank on the open market
- Plastic cards and their types
- Consumer credit (PC) and tools for its implementation
- The essence and functions of finance (F). The role of finance in a market economy
- Inflation (I). Causes, socio-economic consequences and methods of regulation. Features of inflation in Russia
- Foreign exchange market (VR): concept, structure, participants
- Bank ratings. Bank Management Assessment (BM)
- Liability management (PM)
- Banking policy (BP) and the scope of its implementation
- Lombard loans (LK)
- The concept of commercial bank liquidity
- Formation, distribution and use of bank profits. Factors influencing the amount of profit
- Transactions and operations with commodities
- Organizational structure of a commercial bank, the role and functions of individual units
- Classification of bank loans
- Accounting policy of the Central Bank
- Borrower rating
- Lending on a checking account (CC), its organization
- Overdraft
- Mortgage
- Factoring
- Leasing operations
- Passive operations (PO) of a commercial bank
- Equity capital of the bank (IC), its composition, the procedure for the formation and regulation
- Organization of interbank lending (IBK)
- credit risk. Evaluation criteria and regulation methods
- Central Bank: status, functions, basic operations
- Interbank communications system (swift, reuters)
- The concept of development of the settlement network of the Central Bank of the Russian Federation
- Globalization of financial markets
- Indicators characterizing the state of the securities market
- Problems of lending to the real sector of the Russian economy
- Business Valuation (OB)
- Valuation Methods and Fundamentals of Mortgage Investment Analysis
- Land valuation
- Mortgage loan and mortgage bank: essence and differences
- Features of a corporate loan
- Valuation of securities
- Bank transfer (BP). Its role in the system of cashless payments and the process of organizing
- Financial market: structure, functions, participants
- Financial system (FS): concept, elements, basics of construction
- Financial mechanism (FM) of the economic structure, its composition and content
- Essence, goals and methods of financial analysis (FA)
- Letter of credit form of payment: its essence and scope
- Banking marketing and its features. The specifics of the banking product and the conditions for its promotion to the market
- Banking management. The essence and prospects of development in the Russian Federation
- Forms of securing bank loans. Pledge operations of banks
- The essence of the securities market (SM), its tasks and functions
- The structure of the securities market (SM), characteristics of its participants
- RZB regulation
- Financial spheres of banking management. Comprehensive management of liabilities and assets of the bank
- KB resources, their formation and quality assessment
- Investment activity of banks and its directions
- Settlement and cash services (CSS) of legal entities and individuals in CB
- CB balance. Its structure. Goals and methods of analysis
- Issuing strategy of issuers in modern conditions
- Investment properties of stocks
- Investment properties of bonds
- A bill as a security and its use in economic circulation
- Secondary securities: features of issue and circulation
- Options: general characteristics, properties and basic option strategies
- Characteristics of the corporate securities market
- Futures contracts: general characteristics, properties and organization of trading
- Government securities (GS): general characteristics, procedure for placement and circulation
- Regulation of the activities of commercial banks
- Regional finance: composition and role in the organization of market relations
- State budget: concept, functions and role in the country's economy
- The tax system and its structure. Tax policy
- Methods of monetary regulation of the economy
- Essence and functions of money. Money supply. Monetary Aggregates
- Monetary system: concept and elements
- System of non-cash payments. Her role, elements. Forms of non-cash settlements
- Currency transactions
- Securities portfolio: general characteristics, types, principles and procedure for formation and management
- Legal basis for valuation activities
- Economic bases of property valuation
- bank loan portfolio. principles of its formation and quality assessment
- Deposit operations of commercial banks
- Banking operations with bills
- Forfaiting
- Operating cash desk
- Electronic payment system "Client-Bank"
- Cash collection services
- Overdraft Loan Program
- Metal bills
- Commemorative and investment coins of the Bank of Russia
- Electronic money and payments
- Employment in a bank (work in a bank)
- Lists of documents required to open an account (for a legal entity)
- Why do you need a loan broker?
Topic 40. Mortgage loan and mortgage bank: essence and differences
Mortgage - a loan provided for a long time for the purchase of real estate, serving as collateral. A distinctive feature is the combination of the collateral object and the acquired object. A mortgage loan differs from other types of loans in that:
1) the property retains its qualities for a long time, which makes this type of lending the maximum in terms of terms. 2) the price of real estate only increases over time, which contributes to the full guarantee of creditors.
3) in the case of a mortgage, additional protection of the rights of the pledgee bank is ensured by means of state registration of a pledge of real estate. This allows you to trace the subsequent pledges of real estate and other changes that threaten the interests of the creditor. 4) ease of control over the safety of collateral, which saves the lender from unnecessary expenses.
These features make mortgage lending attractive for CBs in a market economy and a good legal framework.
Mortgage banks - carry out credit operations to attract and place funds on a long-term basis secured by real estate. Mortgage banks' resources are mostly formed from their own funds, and attracted through the issuance of mortgage bonds or mortgage bonds secured by mortgages of their clients; through the implementation of relatively reliable securities. (bonds of local authorities). Now there are very few mortgage banks, since their functions have been transferred to insurance companies and universal commercial banks and other credit institutions.
According to the analysis of mortgage lending in the Russian Federation, banks are the most active participants in this process + regional administrations.
Problems of banks in the mortgage market:
1) search for long-term resources (loans for only 2-5 years, and the rest from the bank’s own funds) 2) impossibility of conducting transactions with mortgage lending instruments on the secondary market (lack of a secondary mortgage market).
One of the options for an efficient, integrated system of mortgage lending and providing liquidity to banks issuing mortgage loans is to use "wholesale" sources formed through the secondary market for mortgage loans. In the primary market, lenders (CBs) issue mortgage loans to the population. In order to ensure quick repayment of credit resources and solve the problem of their own liquidity, lenders sell mortgage loans issued by them in the secondary market to the Agency for Housing Mortgage Lending specially created for this purpose or to another operator of the secondary market.
Authors: Shevchuk D.A., Shevchuk V.A.
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