An Integrated Approach to the Financial and Legal Regulation of Bank Lending in Housing Construction

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Abstract

The purpose of the study. The article identifies the problems of effective use of financial resources of the state aimed at the development of housing construction using bank lending. The purpose of the study is to develop an integrated approach to the development of legal mechanisms for financial support of bank lending in housing construction. The legal paradigm proposed by the author forms a new behavioral worldview in the financial and legal regulation of bank lending in housing construction. Conclusions. As a result of the conducted research, the author comes to the conclusion about the creation of targeted financial and legal support programs for the construction industry to provide affordable preferential bank loans in order to ensure increased demand for building materials and products, the development of competition and price stabilization in housing construction. The consolidation of an integrated approach to the financing of bank loans in housing construction in the field of financial law will make it possible to more effectively implement the social, housing and financial policy of the state.

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About the authors

Igor P. Vorobyov

Financial University under the Government of the Russian Federation

Author for correspondence.
Email: V_I_P_19_88@mail.ru
SPIN-code: 5621-4569

Postgraduate student of the Department of International and Public Law of the Faculty of Law

Russian Federation, Moscow

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