ANALYSIS OF THE MORTGAGE INSURANCE MARKET IN RUSSIA

The article is devoted to the need to analyze the mortgage insurance market of the Russian Federation from The article examines the essence of mortgage insurance, analyzes the indicators of the mortgage insurance market, the structure of mortgage insurance, the ratio of insurance premiums and payments. The current trend of economic development makes it problematic to build up mortgage lending and, as a result, mortgage insurance. Mortgage insurance acts as a tool for servicing a mortgage loan, protecting the lender from non-receipt of payment on the loan in the event of termination of payments, and the borrower, in the event of an extraordinary event, from possible financial and judicial problems.

To study the theoretical foundations of mortgage insurance, such general scientific research methods were used as formalization, theoretical generalization, analysis and synthesis, scientific abstraction.

In the course of the study, the following conclusions were formulated: mortgage insurance in Russia can be carried out only by licensed organizations, provided that they conclude a cooperation agreement with JSC Dom.rf or directly with the lender. This is a stagnant factor in the development of the mortgage insurance market.

In the course of the study, measures were developed to improve the efficiency of the mortgage insurance market by developing additional voluntary insurance, which will be the guarantors of the return of the mortgage loan amount in case of unforeseen situations and will reduce the risks of not only the recipient of the mortgage loan, but also the bank and the insurance company. The article calculated the approximate economic effect of the introduction of a system of additional voluntary mortgage insurance.

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