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Specificity of construction companies requires borrowing capital. In particular, it is relevant for developers of residential properties. Despite the available demand of the population, the volume of construction has not shown sustainable growth in recent years. One of the reasons is the low availability of credit for this sector. Banks are cautious about this category of customers because of high risks. One of the ways to reduce credit risks is to consider the cooperation of construction companies and banks on mortgage programs. Thus, the source of repayment is formed and risks are reduced. Also, an additional bank revenue is provided by the individuals’ mortgage credit portfolio. The authors analyzed the relevant data for the period from 2010 to 2017. The results of mortgage lending and the process of interaction between banks and construction companies are summarized. The authors indicated the level of overdue debts, which were issued to the construction industry, remained at a relatively high level. By comparison with other types of loans provided to individuals, it appears to be a low level of overdue debt on mortgage loans. The most important one is improving of an interaction between developers and credit institutions.

Interaction of construction companies and Russian banks in residential mortgage lending