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The Conception of Development of Financial and Credit Instruments for the Functioning of the Residential Real Estate Market in Ukraine
Shteingauz D. O.

Shteingauz, Dmytro O. (2022) “The Conception of Development of Financial and Credit Instruments for the Functioning of the Residential Real Estate Market in Ukraine.” Business Inform 1:357–365.
https://doi.org/10.32983/2222-4459-2022-1-357-365

Section: Finance, Money Circulation and Credit

UDC 332.85

Abstract:
The purpose of the article is to substantiate the conception of development of financial and credit instruments for the functioning of the residential real estate market in Ukraine, the implementation of which is aimed at improving the efficiency of the functioning of this market. As a result of the study, it is found out that the conception of developing financial and credit instruments for the functioning of the residential real estate market is an integral part of reforming the system of financing investments in residential real estate. The author’s own vision of the essence of the concepts of «system of financing the investments in residential real estate» and «model of financing of the residential real estate market» are proposed. The study of foreign experience allowed to distinguish two main models of financing the residential real estate market – depository and mortgage. The application of comparative analysis showed that the model of financing the residential real estate market in Ukraine is close to the deposit model. It is proposed to improve financing models in the residential real estate market of Ukraine, and to put upon financial institutions the role of escrow agents who will protect the interests of real estate buyers. A systematization is carried out and the conception of development of financial and credit instruments for the functioning of the residential real estate market in Ukraine with the distinguishing of its main elements is presented schematically. Further research will concern the substantiation of individual proposals aimed at the implementation of the tasks specified in the article of the conception of development of financial and credit instruments for the functioning of the residential real estate market in Ukraine.

Keywords: residential real estate market, financial and credit instruments, development conception, financing model, investment financing system.

Fig.: 2. Tabl.: 1. Bibl.: 8.

Shteingauz Dmytro O. – Postgraduate Student, University of Banking (1 Andrіivska Str., Kyiv, 04070, Ukraine)
Email: [email protected]

List of references in article

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[Legal Act of Ukraine] (2003). https://zakon.rada.gov.ua/laws/show/436-15#Text
Diachenko, A. V. “Teoretychni pidkhody do formuvannia systemy finansuvannia zhytlovoho budivnytstva“ [Theoretical Approaches to the Formation of the System of Financing Housing Construction]. Naukovyi visnyk Khersonskoho derzhavnoho universytetu. Seriia «Ekonomichni nauky». 2017. http://www.ej.kherson.ua/journal/economic_26/2/19.pdf
“Zakhyst prav investoriv zhytlovoho budivnytstva v krainakh YeS: Informatsiina dovidka, pidhotovlena Yevropeiskym informatsiino-doslidnytskym tsentrom na zapyt Komitetu Verkhovnoi Rady Ukrainy“ [Protection of the Rights of Housing Investors in the EU Countries: Information Reference Prepared by the European Information and Research Center at the Request of the Committee of the Verkhovna Rada of Ukraine]. http://euinfocenter.rada.gov.ua/uploads/documents/29221.pdf
Matseliukh, N. P., and Korzh, M. A. “Investuvannia v zhytlovu nerukhomist: tendentsii, mekhanizmy, instytutsiini mozhlyvosti“ [Investment in Residential Real Estate: Trends, Mechanisms, Institutional Opportunities]. Internauka. Seriia: «Ekonomichni nauky», no. 5 (2021). DOI: https://doi.org/10.25313/2520-2294-2021-5-7289
Sokovets, T. V. “Lizynh zhytlovoi nerukhomosti yak perspektyvnyi finansovyi instrument zabezpechennia naselennia dostupnym zhytlom“ [Leasing of Residential Real Estate as a Promising Financial Tool to Provide the Population with Affordable Housing]. Visnyk Dnipropetrovskoi derzhavnoi finansovoi akademii. Seriia «Ekonomichni nauky». 2012. http://biblio.umsf.dp.ua/jspui/handle/123456789/1434
Yurkevych, O. M. “Osoblyvosti ipotechnoho zhytlovoho finansuvannia v Ukraini na suchasnomu etapi“ [Current Features of Mortgage Lending in Ukraine]. Ekonomika i suspilstvo. 2016. https://economyandsociety.in.ua/journals/3_ukr/85.pdf
“Sustainability Report 2G2G. Based on GRI Standards“. https://www.ubs.com/global/en/ubs-society/our-documents.html

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