federalizmФедерализмFederalism2073-1051Plekhanov Russian University of Economics10.21686/2073-1051-2019-3-98-115federalizm-36Research ArticleЗАРУБЕЖНЫЙ ОПЫТOVERSEAS EXPERIENCEИССЛЕДОВАНИЕ МИРОВЫХ ИПОТЕЧНЫХ РЫНКОВAN OVERVIEW OF THE GLOBAL MORTGAGE MARKETSКовачЛ.KovacsL.

КОВАЧ Левенте Генеральный секретарь Венгерской банковской ассоциации, доцент и руководитель Института финансов и бухгалтерского учета

 Мишкольц-университетский город, Венгрия Н-3515.

KOVАCS Levente Secretary General of the Hungarian Banking Association, Associate Professorand Head of the Finance and Accounting Institute

Miskolc-University Town, Hungary, H-3515

kovacs.levente@hba.org.huПасторС.PasztorS.

ПАСТОР Сабольч Доцент кафедры международной экономики

 площадь Людовика, д. 2, Будапешт, Венгрия, H-1083.

PASZTOR Szabolcs Assistant Professor at the Department of International Economics 

2, Ludovika square, Budapest, Hungary, H-1083

pasztor.szabolcs@uni-nke.huУниверситет МишкольцВенгрияUniversity of MiskolcHungaryНациональный университет государственной службыБолгарияNational University of Public ServiceBulgaria2019160920190398115Copyright © Ковач Л., Пастор С., 20192019Ковач Л., Пастор С.Kovacs L., Pasztor S.Данная работа распространяется под лицензией Creative Commons Attribution 4.0.This work is licensed under a Creative Commons Attribution 4.0 License.https://federalizm.rea.ru/jour/article/view/36

Рост численности населения вызывает к жизни проблему его обеспечения жильем. Одним из инструментов решения этой задачи выступает развитие ипотечных рынков, имеющее несомненные национальные и континентальные особенности. В статье проведен обзор и описание ипотечных рынков Азии, Африки, Европы, Латинской Америки, а также Соединенных Штатов Америки и Китая. Авторами статьи предпринята попытка выявления основных причин возникновения узких мест на ипотечных рынках этих континентов и стран. Показано различие данных причин в разных государствах, имеющиеся здесь сходства. Например, то, что в начальный период погашения хозяйства ипотечного кредита возлагают на домашние хозяйства значительное финансовое бремя.

As the population of the world continues to grow and living standards continue to improve, we must find an adequate solution for housing issues. The first part of this paper tries to shed more light on the drawbacks and the past anomalies of the world mortgage market. We observe different continents and try to point out the main causes behind the bottlenecks of mortgage markets. The reasons vary across countries but some similarities emerge, such as that in the initial period repayment places a huge financial burden on households.

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The authors declare that there are no conflicts of interest present.