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Electronic mortgage in mortgage lending: Advantages and disadvantages of application

Vol. 25, Iss. 5, MAY 2019

Received: 17 January 2019

Received in revised form: 31 January 2019

Accepted: 14 February 2019

Available online: 30 May 2019

Subject Heading: Banking

JEL Classification: E41, G21

Pages: 1061–1070

Annenkova E.A. Saratov Socio-Economic Institute, Branch of Plekhanov Russian University of Economics, Saratov, Russian Federation

Travkina E.V. Financial University under Government of Russian Federation, Moscow, Russian Federation

Subject The article addresses mortgage lending, which is associated with filling out a large number of papers. One of the main document in this type of lending is a mortgage. Evolving digital technologies enable to apply cutting-edge developments in mortgage lending, including electronic mortgage.
Objectives The study provides a rationale for the use of electronic mortgages in mortgage lending and defines the effects of using them.
Methods We employ functional, structural, and systems approaches, methods of scientific abstraction, statistical and comparative analysis, financial mathematics, financial analysis, expert evaluation, as well as logical and graphical methods.
Results We systematized urgent issues in disclosing the nature and development of modern processes of mortgage lending. This enabled to conclude on increased volumes of issued mortgage loans, improved parameters of lending and borrower requirements, and enhanced integration of banks with other participants in the residential property market. The paper emphasizes that the modern development of mortgage segment in the Russian banking practice should take into account the progress in digitalization processes and rely on digital product offering in mortgage lending.
Conclusions and Relevance Despite the shortcomings, the use of electronic mortgages will help cut costs, accelerate the process of mortgage registration.

Keywords: e-mortgage, mortgage lending, decentralized repository, blockchain technology, commercial bank


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