The lending efficiency in the construction industry

Abstract

The article discusses the possibility of providing bank loans to construction companies that build residential complexes. A new form of lending developed by the Government of the Russian Federation is analyzed. A new form of lending is aimed at improving the situation in the construction industry. The statistics on housing commissioning provided by the Bank of Russia is analyzed. The goal of the monetary policy of the Bank of Russia is to improve the situation in the development of housing construction. A diagram of escrow accounts used by companies is presented. It reflects the interaction of all participants. An analysis of data on housing commissioning over the past two years is carried out and housing commissioning problems are identified. An annual increase in borrowed resources is determined. It reflects the lending activity of construction companies. Conclusions on the use of escrow agreements as a new financing model are drawn.