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4th International Scientific and Practical Conference on Digital Economy and Finances, DEFIN 2021 ; 2021.
Article in English | Scopus | ID: covidwho-1731304


The article defines a list of tools and mechanisms of foreign housing markets, which can be adapted to Russian practice. This will help resolve several issues related to both improving the efficiency of the market and its financing. As part of the study, a system of interaction between the subjects of the national housing market was formed, considering the introduction of a crowdfunding platform into it, on which this interaction will be built. The COVID-19 pandemic has shown that it is information technology that can make it possible to ensure adaptation of subjects to crisis phenomena and minimize the risks associated with this. In addition, an accumulative system is included that allows you to form an initial payment on a mortgage loan and receive additional income within this system. The necessity of including a guarantee fund, mortgage banks and a state organization engaged in insurance of a mortgage loan in the subject composition of the Russian housing market is revealed. Each of these subjects allows to bring the interaction of market participants closer to the maximum effect. The study focuses on the need to strengthen the role and increase the volume of project financing, which will contribute to an increase in the volume of housing construction. Separately, the problem of the presence of dilapidated and dilapidated housing and at the same time illiquid housing is noted, the solution to which is in the experience of Asian countries and can be adapted in Russia. © 2021 ACM.