{"id":"https://openalex.org/W4312611684","doi":"https://doi.org/10.17513/vaael.2497","title":"THEORETICAL ASPECTS OF HOUSING MORTGAGE LENDING IN MODERN CONDITIONS","display_name":"THEORETICAL ASPECTS OF HOUSING MORTGAGE LENDING IN MODERN CONDITIONS","publication_year":2022,"publication_date":"2022-01-01","ids":{"openalex":"https://openalex.org/W4312611684","doi":"https://doi.org/10.17513/vaael.2497"},"language":"ru","primary_location":{"id":"doi:10.17513/vaael.2497","doi":"https://doi.org/10.17513/vaael.2497","is_oa":true,"landing_page_url":"https://doi.org/10.17513/vaael.2497","pdf_url":"https://s.vaael.ru/pdf/2022/10-3/2497.pdf","source":{"id":"https://openalex.org/S4210230230","display_name":"Bulletin of the Altai Academy of Economics and law","issn_l":"1818-4057","issn":["1818-4057","2226-3977"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4364118892","host_organization_name":"Altai Academy of Economics and Law","host_organization_lineage":["https://openalex.org/P4364118892"],"host_organization_lineage_names":["Altai Academy of Economics and Law"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"\u0412\u0435\u0441\u0442\u043d\u0438\u043a \u0410\u043b\u0442\u0430\u0439\u0441\u043a\u043e\u0439 \u0430\u043a\u0430\u0434\u0435\u043c\u0438\u0438 \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u043a\u0438 \u0438 \u043f\u0440\u0430\u0432\u0430","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://s.vaael.ru/pdf/2022/10-3/2497.pdf","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5020215624","display_name":"Adilchaev Rustem Tursinbaevich","orcid":"https://orcid.org/0000-0001-7598-6298","observed_orcids":["https://orcid.org/0000-0001-7598-6298","https://orcid.org/0009-0005-5581-7469"]},"institutions":[{"id":"https://openalex.org/I4210162459","display_name":"Karakalpak State University","ror":"https://ror.org/059w0gb06","country_code":"UZ","type":"education","lineage":["https://openalex.org/I4210162459"]}],"countries":["UZ"],"is_corresponding":false,"raw_author_name":"R.T. Adilchaev","raw_affiliation_strings":["Karakalpak State University named after Berdakh, Nukus,"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Karakalpak State University named after Berdakh, Nukus,","institution_ids":["https://openalex.org/I4210162459"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5070906830","display_name":"D.B. Barsheva","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I205923962","display_name":"Kalmyk State University","ror":"https://ror.org/05jfsf459","country_code":"RU","type":"education","lineage":["https://openalex.org/I205923962"]}],"countries":["RU"],"is_corresponding":false,"raw_author_name":"D.B. Barsheva","raw_affiliation_strings":["Kalmyk State University B.B. Gorodovikov , Elista ,"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Kalmyk State University B.B. Gorodovikov , Elista ,","institution_ids":["https://openalex.org/I205923962"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5086520523","display_name":"V.G. Dorzhieva","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I205923962","display_name":"Kalmyk State University","ror":"https://ror.org/05jfsf459","country_code":"RU","type":"education","lineage":["https://openalex.org/I205923962"]}],"countries":["RU"],"is_corresponding":false,"raw_author_name":"V.G. Dorzhieva","raw_affiliation_strings":["Kalmyk State University B.B. Gorodovikov , Elista ,","State University B.B. Gorodovikov, Elista,"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Kalmyk State University B.B. Gorodovikov , Elista ,","institution_ids":["https://openalex.org/I205923962"]},{"raw_affiliation_string":"State University B.B. Gorodovikov, Elista,","institution_ids":[]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5053069675","display_name":"N.N. Ashaeva","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I205923962","display_name":"Kalmyk State University","ror":"https://ror.org/05jfsf459","country_code":"RU","type":"education","lineage":["https://openalex.org/I205923962"]}],"countries":["RU"],"is_corresponding":false,"raw_author_name":"N.N. Ashaeva","raw_affiliation_strings":["Kalmyk State University B.B. Gorodovikov, Elista,"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Kalmyk State University B.B. Gorodovikov, Elista,","institution_ids":["https://openalex.org/I205923962"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5056823078","display_name":"N.V. Dzhalsanova","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I205923962","display_name":"Kalmyk State University","ror":"https://ror.org/05jfsf459","country_code":"RU","type":"education","lineage":["https://openalex.org/I205923962"]}],"countries":["RU"],"is_corresponding":false,"raw_author_name":"N.V. Dzhalsanova","raw_affiliation_strings":["Kalmyk State University B.B. Gorodovikov, Elista,"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Kalmyk State University B.B. Gorodovikov, Elista,","institution_ids":["https://openalex.org/I205923962"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5025461985","display_name":"S.B. Boldyreva","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I205923962","display_name":"Kalmyk State University","ror":"https://ror.org/05jfsf459","country_code":"RU","type":"education","lineage":["https://openalex.org/I205923962"]}],"countries":["RU"],"is_corresponding":false,"raw_author_name":"S.B. Boldyreva","raw_affiliation_strings":["Kalmyk State University B.B. Gorodovikov , Elista ,"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Kalmyk State University B.B. Gorodovikov , Elista ,","institution_ids":["https://openalex.org/I205923962"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5006454607","display_name":"\u041d.\u0415. \u0427\u0410\u0414\u041b\u0410\u0415\u0412\u0410","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I205923962","display_name":"Kalmyk State University","ror":"https://ror.org/05jfsf459","country_code":"RU","type":"education","lineage":["https://openalex.org/I205923962"]}],"countries":["RU"],"is_corresponding":false,"raw_author_name":"N.E. Chadlaeva","raw_affiliation_strings":["Kalmyk State University B.B. Gorodovikov, Elista,"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Kalmyk State University B.B. Gorodovikov, Elista,","institution_ids":["https://openalex.org/I205923962"]}]}],"institutions":[],"countries_distinct_count":2,"institutions_distinct_count":2,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":{"value":0.0,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":"3","issue":"\u211610 2022","first_page":"363","last_page":"369"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10632","display_name":"Housing Market and Economics","score":0.989300012588501,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10632","display_name":"Housing Market and Economics","score":0.989300012588501,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.006500000134110451,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T14419","display_name":"Banking Systems and Strategies","score":0.0005000000237487257,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/mortgage","display_name":"mortgage lending","score":0.8949999809265137},{"id":"https://openalex.org/keywords/mortgage-credit","display_name":"mortgage credit","score":0.7110000252723694},{"id":"https://openalex.org/keywords/housing-finance","display_name":"housing finance","score":0.6140000224113464},{"id":"https://openalex.org/keywords/housing-access","display_name":"housing access","score":0.6899999976158142},{"id":"https://openalex.org/keywords/income-inequality","display_name":"income inequality","score":0.8939999938011169}],"concepts":[{"id":"https://openalex.org/C152876461","wikidata":"https://www.wikidata.org/wiki/Q7886321","display_name":"Commercial mortgage-backed security","level":5,"score":0.5422008037567139},{"id":"https://openalex.org/C97330809","wikidata":"https://www.wikidata.org/wiki/Q4202997","display_name":"Mortgage insurance","level":4,"score":0.5029281973838806},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.444360613822937},{"id":"https://openalex.org/C179691888","wikidata":"https://www.wikidata.org/wiki/Q1641464","display_name":"Secondary mortgage market","level":5,"score":0.43158888816833496},{"id":"https://openalex.org/C43039823","wikidata":"https://www.wikidata.org/wiki/Q6914671","display_name":"Mortgage underwriting","level":5,"score":0.41791582107543945},{"id":"https://openalex.org/C104353511","wikidata":"https://www.wikidata.org/wiki/Q5146002","display_name":"Collateralized mortgage obligation","level":5,"score":0.4166976809501648},{"id":"https://openalex.org/C73283319","wikidata":"https://www.wikidata.org/wiki/Q1416617","display_name":"Financial system","level":1,"score":0.3439842760562897},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.20027679204940796},{"id":"https://openalex.org/C22738907","wikidata":"https://www.wikidata.org/wiki/Q3813256","display_name":"Casualty insurance","level":3,"score":0.0},{"id":"https://openalex.org/C68799949","wikidata":"https://www.wikidata.org/wiki/Q977871","display_name":"Insurance policy","level":2,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.17513/vaael.2497","doi":"https://doi.org/10.17513/vaael.2497","is_oa":true,"landing_page_url":"https://doi.org/10.17513/vaael.2497","pdf_url":"https://s.vaael.ru/pdf/2022/10-3/2497.pdf","source":{"id":"https://openalex.org/S4210230230","display_name":"Bulletin of the Altai Academy of Economics and law","issn_l":"1818-4057","issn":["1818-4057","2226-3977"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4364118892","host_organization_name":"Altai Academy of Economics and Law","host_organization_lineage":["https://openalex.org/P4364118892"],"host_organization_lineage_names":["Altai Academy of Economics and Law"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"\u0412\u0435\u0441\u0442\u043d\u0438\u043a \u0410\u043b\u0442\u0430\u0439\u0441\u043a\u043e\u0439 \u0430\u043a\u0430\u0434\u0435\u043c\u0438\u0438 \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u043a\u0438 \u0438 \u043f\u0440\u0430\u0432\u0430","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.17513/vaael.2497","doi":"https://doi.org/10.17513/vaael.2497","is_oa":true,"landing_page_url":"https://doi.org/10.17513/vaael.2497","pdf_url":"https://s.vaael.ru/pdf/2022/10-3/2497.pdf","source":{"id":"https://openalex.org/S4210230230","display_name":"Bulletin of the Altai Academy of Economics and law","issn_l":"1818-4057","issn":["1818-4057","2226-3977"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4364118892","host_organization_name":"Altai Academy of Economics and Law","host_organization_lineage":["https://openalex.org/P4364118892"],"host_organization_lineage_names":["Altai Academy of Economics and Law"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"\u0412\u0435\u0441\u0442\u043d\u0438\u043a \u0410\u043b\u0442\u0430\u0439\u0441\u043a\u043e\u0439 \u0430\u043a\u0430\u0434\u0435\u043c\u0438\u0438 \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u043a\u0438 \u0438 \u043f\u0440\u0430\u0432\u0430","raw_type":"journal-article"},"sustainable_development_goals":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W4312611684.pdf","grobid_xml":"https://content.openalex.org/works/W4312611684.grobid-xml"},"referenced_works_count":2,"referenced_works":["https://openalex.org/W2009162727","https://openalex.org/W2032693739"],"related_works":["https://openalex.org/W2121255722","https://openalex.org/W3150381282","https://openalex.org/W6907643605","https://openalex.org/W4408968541","https://openalex.org/W7072258598","https://openalex.org/W4312877777","https://openalex.org/W2535186708","https://openalex.org/W3192613566","https://openalex.org/W7006989700","https://openalex.org/W7220827551"],"abstract_inverted_index":{"\u0422\u0415\u041e\u0420\u0415\u0422\u0418\u0427\u0415\u0421\u041a\u0418\u0415":[0],"\u0410\u0421\u041f\u0415\u041a\u0422\u042b":[1],"\u0418\u041f\u041e\u0422\u0415\u0427\u041d\u041e\u0413\u041e":[2],"\u0416\u0418\u041b\u0418\u0429\u041d\u041e\u0413\u041e":[3],"\u041a\u0420\u0415\u0414\u0418\u0422\u041e\u0412\u0410\u041d\u0418\u042f":[4],"\u0412":[5],"\u0421\u041e\u0412\u0420\u0415\u041c\u0415\u041d\u041d\u042b\u0425":[6],"\u0423\u0421\u041b\u041e\u0412\u0418\u042f\u0425":[7],"\u041a\u043b\u044e\u0447\u0435\u0432\u044b\u0435":[8],"\u0441\u043b\u043e\u0432\u0430:":[9],"\u0438\u043f\u043e\u0442\u0435\u043a\u0430,":[10],"\u043a\u0440\u0435\u0434\u0438\u0442,":[11,13,23],"\u0438\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u0439":[12,22],"\u0438\u043f\u043e\u0442\u0435\u0447\u043d\u043e\u0435":[14],"\u0436\u0438\u043b\u0438\u0449\u043d\u043e\u0435":[15],"\u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\u0430\u043d\u0438\u0435.\u041e\u0441\u043d\u043e\u0432\u043d\u043e\u0439":[16],"\u0444\u043e\u0440\u043c\u043e\u0439":[17],"\u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\u0430\u043d\u0438\u044f":[18],"\u0432":[19,35,87],"\u0420\u043e\u0441\u0441\u0438\u0438":[20],"\u044f\u0432\u043b\u044f\u0435\u0442\u0441\u044f":[21,84],"\u043a\u043e\u0442\u043e\u0440\u044b\u0439":[24],"\u043f\u043e\u0437\u0432\u043e\u043b\u044f\u0435\u0442":[25],"\u0440\u0435\u0448\u0430\u0442\u044c":[26],"\u0436\u0438\u043b\u0438\u0449\u043d\u044b\u0435":[27],"\u0432\u043e\u043f\u0440\u043e\u0441\u044b":[28],"\u043d\u0430\u0441\u0435\u043b\u0435\u043d\u0438\u044f":[29],"\u0438":[30,71],"\u0441\u043b\u0443\u0436\u0438\u0442":[31],"\u043f\u0440\u0438\u043e\u0440\u0438\u0442\u0435\u0442\u043d\u043e\u043c":[32],"\u0434\u043b\u044f":[33],"\u0433\u043e\u0441\u0443\u0434\u0430\u0440\u0441\u0442\u0432\u0430":[34],"\u043a\u0430\u0447\u0435\u0441\u0442\u0432\u0435":[36],"\u043f\u0440\u0435\u0434\u043e\u0441\u0442\u0430\u0432\u043b\u0435\u043d\u0438\u044f":[37],"\u0434\u043e\u0441\u0442\u0443\u043f\u043d\u043e\u0433\u043e":[38],"\u0436\u0438\u043b\u044c\u044f.\u0412":[39],"\u0441\u043e\u0432\u0440\u0435\u043c\u0435\u043d\u043d\u044b\u0445":[40],"\u0443\u0441\u043b\u043e\u0432\u0438\u044f\u0445":[41],"\u0438\u0437-\u0437\u0430":[42],"\u0440\u0430\u0437\u043b\u0438\u0447\u043d\u043e\u0433\u043e":[43],"\u0434\u043e\u0445\u043e\u0434\u043d\u043e\u0433\u043e":[44],"\u0440\u0430\u0437\u0440\u044b\u0432\u0430":[45],"\u0441\u0440\u0435\u0434\u0438":[46],"\u0433\u0440\u0430\u0436\u0434\u0430\u043d,":[47],"\u043c\u043d\u043e\u0433\u0438\u0435":[48],"\u043d\u0435":[49],"\u043c\u043e\u0433\u0443\u0442":[50],"\u0441\u0435\u0431\u0435":[51],"\u043f\u043e\u0437\u0432\u043e\u043b\u0438\u0442\u044c":[52],"\u0443\u043b\u0443\u0447\u0448\u0435\u043d\u0438\u0435":[53],"\u0436\u0438\u043b\u0438\u0449\u043d\u044b\u0445":[54],"\u0443\u0441\u043b\u043e\u0432\u0438\u0439":[55],"\u0441":[56,68],"\u043f\u043e\u043c\u043e\u0449\u044c\u044e":[57],"\u0441\u043e\u0431\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0445":[58],"\u0441\u0440\u0435\u0434\u0441\u0442\u0432,":[59],"\u0447\u0442\u043e":[60],"\u043f\u0440\u0438\u0432\u043e\u0434\u0438\u0442":[61],"\u043a":[62],"\u043d\u0435\u043e\u0431\u0445\u043e\u0434\u0438\u043c\u043e\u0441\u0442\u0438":[63],"\u0438\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u043d\u0438\u044f":[64],"\u0438\u043f\u043e\u0442\u0435\u0447\u043d\u043e\u0433\u043e":[65,74],"\u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\u0430\u043d\u0438\u044f.\u0412":[66],"\u0441\u0432\u044f\u0437\u0438":[67],"\u044d\u0442\u0438\u043c":[69],"\u0440\u0430\u0437\u0432\u0438\u0442\u0438\u0435":[70],"\u0441\u043e\u0432\u0435\u0440\u0448\u0435\u043d\u0441\u0442\u0432\u043e\u0432\u0430\u043d\u0438\u0435":[72],"\u0441\u0438\u0441\u0442\u0435\u043c\u044b":[73],"\u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\u0430\u043d\u0438\u044f,":[75],"\u0430":[76],"\u0442\u0430\u043a\u0436\u0435":[77],"\u0444\u043e\u0440\u043c\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435":[78],"\u043d\u043e\u0432\u044b\u0445":[79],"\u0438\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442\u043e\u0432":[80],"\u0443\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u044f":[81],"\u0438\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u043c":[82],"\u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\u0430\u043d\u0438\u0435\u043c":[83],"\u0432\u0430\u0436\u043d\u044b\u043c":[85],"\u0430\u0441\u043f\u0435\u043a\u0442\u043e\u043c":[86],"\u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0439":[88],"\u0434\u0435\u044f\u0442\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u0438.\u0426\u0435\u043b\u044c":[89],"\u0441\u0442\u0430\u0442\u044c\u0438":[90],"\u0441\u043e\u0441\u0442\u043e\u0438\u0442":[91]},"counts_by_year":[],"updated_date":"2026-10-30T12:39:25.321706","created_date":"2023-01-05T00:00:00"}