Mortgage lending as a mechanism to stimulate investment demand in the context of digitalization

Currently, in difficult epidemiological conditions, there are significant changes in all spheres of human life. Also, the negative impact of the coronavirus epidemic (COVID-19) was not spared by such a significant area for humanity as a mortgage. Mortgage activity has undergone significant changes in the context of the pandemic, especially under the influence of negative factors. However, despite the difficult epidemiological conditions, the Government of the Russian Federation proposed supportive measures and provided assistance to citizens who found themselves in a difficult situation. The article analyzes the trend in the development of mortgage lending, determines the dynamics of the volume of housing mortgage lending provided by credit institutions to individuals, reveals the interdependence between the number of loans issued and the mortgage rate, examines the impact of overdue debt on mortgage loans on the efficiency of a credit institution. The article examines the activities of the leader in mortgage lending Sberbank. The authors proposed measures to improve the efficiency of mortgage lending development in the activities of Sberbank