Bondarevskaya Valeriya
Kharkiv
banking institute University of banking
National
bank of
Modern technologies of the bank mortgage crediting
Credit
operations occupy the determine place in the brief-case of bank assets. That’s
why the correct organization of the mortgage process, development of the
efficient and flexible control system by mortgage credit operations is the
basis of financial and market stability of bank institutions. It is comparative
with foreign experience of the mortgage programs realization, now the Ukrainian
mortgage market is in the „first stage”, this fact says that for
(1)
where - gross
premium
- interest rate in the moment of credit
registration;
- annual level of inflation;
- term
of loan.
Dependence of
interest rate on inflation it is possible to represent graphically by the
resources of calculation-mathematical product MATHCAD, on the base of which the
mathematical model of dependence of interest rate on mortgage credit from
inflation have been given.
Pic. 3. Function of the gross premium
On this graph
the size of interest rate is limited by an interval from 5% to 25%, it means that
value, is within the limits of interval:
. Inflation rate
are
limited by an interval from 2% to 25%, it means that
value
, is within the limits of interval:
. The term of crediting makes 3 years for construction of this mathematical
model. The red line on this graphic model marks the level of inflation – 6,2%. This
method of gross premium estimation gives possibility to forecast how
the gross premium will change depending on inflation for the certain periods of
time. This method of gross premium estimation is useful for prognostication of interest
rate value depending on inflation, taking into account a long-term character of
mortgage credit and risks, which inherent to the mortgage credit.
In the turn
it will give to the banks the possibility to manage their credit brief-case in
a high and efficient level, to create the adequate risks control system, to
satisfy the necessities of the clients and, as a result, to provide profitable
activity.