About form and content of mortgage securities.

Abstract

Crisis situation in many sectors of the economy affects the financial position of an entity that are experiencing a shortage of own funds. At present in Ukraine, as in most transition economies, the demand for lending to the real economy exceed their capacity of banks. But for the most part, banks have been slow to tackle the problem in question by borrowing from other banks or association with them in the consortium, resulting in the loss of potential customers. This seemingly strange situation to some extent is explained by uncertainty in the proper performance of bank borrowers’ loan repayment obligations and the lack of real opportunity to offset their losses from the improper performance of the obligation.

According to the analysis of foreign experience to stimulate lending in times of crisis, one of the most effective ways to solve this problem is to introduce a mortgage.

Form and content are the key categories of mortgage activity in mortgages.

The article generalizes the current Ukrainian legislation, which govern the content and form of a mortgage. The analysis of the form and content of the mortgage. Proposed changes to the form and content of the mortgage.