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Information × Registration Number 2124U009159, Article popup.category Стаття Title Підсумок напрямків використання фінтех-продуктів у сфері розвитку фінансового сектору, зокрема іпотечного фінансування popup.author Poltinina O.Полтініна О. popup.publication 01-01-2024 popup.source_user Харківський національний економічний університет імені Семена Кузнеця popup.source http://repository.hneu.edu.ua/handle/123456789/35876 popup.publisher ХНЕУ ім. С. Кузнеця Description Mortgage lending has become the most important part of the financial market. The most common use of a mortgage is the purchase of an apartment or a private house on credit by an individual. Given the importance of the chosen topic, the goal of the research is defined as follows: to identify promising directions for the development of mortgage financing using fintech products. The list of fintech products that can be used in the field of mortgage financing to improve the system of managing mortgage loan processes using methods of generalisation and systematisation has been elaborated. It has been discovered that the mortgage lending process provides for the analysis of a borrower’s risks as well as more complex procedures for determining optimal interest rates for mortgage lending. When the analysis of discount rates is taken as a basis, it is necessary to analyse market volatility. These results have been achieved using methods of analysis and systematisation. Fintech tools are increasingly being used to facilitate the work on data analysis in the development of the mortgage lending system, as they enrich the toolkit for ensuring the security of the mortgage financing process both at the level of financial institutions and state regulation. The peculiarities of using fintech tools have been identified. Main trends and risks of the development of modern mortgage financing using the concretisation method have also been discovered. The possibilities of using fintech tools in the field of mortgage financing have been determined; in particular, an approach to creating a technical task of using fintech tools for further development of mortgage financing has been created. The author’s approach will be of practical significance for both financial institutions providing mortgage financing and mortgage market regulators to minimise risks in the system of providing mortgage loans. popup.nrat_date 2026-02-09 Close