Digital Mortgage Loans: Current State and Potential of the Digital Services Market

Svetlana A. Litvinova, Olga B. Ivanova, Natalia G. Vovchenko, Svetlana S. Galazova and Irina S. Fedorenko

Chapter 35 in Sustainable Development of the Green Entrepreneurial Economy, 2025, pp 411-419 from World Scientific Publishing Co. Pte. Ltd.

Abstract: Digital transformation and the way people interact within digital space have encouraged the development of digital services, including the services required for obtaining and further handling mortgage loans. The research aims to identify the current state and potential for developing digital tools used for home mortgage loans to maintain a high customer focus and efficiency in the home mortgage market. During the research, the authors used the data from the federal legal acts, official sources of the Central Bank of the Russian Federation, and the strategy of mortgage loan development until 2025. The authors identified several key points: the benefits that digitalization brings to home mortgage loans, the current state of the digital services market and the mortgage services sector, and the potential of the digitalization process within the home mortgage market. Due to the growing need to develop tools for the provision of digital services in the mortgage loan market, it is necessary to create a comprehensive ecosystem. This system would address and streamline all challenges associated with obtaining a mortgage loan at every stage of the process.

Keywords: Green Entrepreneurial Economy; Sustainable Development; Sustainable Development Goals (SDGs); Economy of Transformations; Green Economy; Energy Efficiency; Renewable Energy Sources; Waste Disposal; Carbon Footprint; Green Technologies; Eco-City; Green Finance; Green Banking; ESG Strategies; Digitalization (search for similar items in EconPapers)
JEL-codes: O13 Q01 Q4 (search for similar items in EconPapers)
Date: 2025
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