id sid tid token lemma pos issue-198 1 1 baltic baltic PROPN issue-198 1 2 journal journal PROPN issue-198 1 3 of of ADP issue-198 1 4 economic economic ADJ issue-198 1 5 studies study NOUN issue-198 1 6 59 59 NUM issue-198 1 7 vol vol NOUN issue-198 1 8 . . PUNCT issue-198 2 1 3 3 NUM issue-198 2 2 , , PUNCT issue-198 2 3 no no INTJ issue-198 2 4 . . NOUN issue-198 2 5 3 3 NUM issue-198 2 6 , , PUNCT issue-198 3 1 2017 2017 NUM issue-198 3 2 analysis analysis NOUN issue-198 3 3 of of ADP issue-198 3 4 mortgage mortgage NOUN issue-198 3 5 lending lending NOUN issue-198 3 6 in in ADP issue-198 3 7 banks bank NOUN issue-198 3 8 in in ADP issue-198 3 9 ukraine ukraine PROPN issue-198 3 10 violetta violetta PROPN issue-198 3 11 kharabara1 kharabara1 PROPN issue-198 3 12 yuriy yuriy PROPN issue-198 3 13 fedkovych fedkovych PROPN issue-198 3 14 chernivtsi chernivtsi PROPN issue-198 3 15 national national PROPN issue-198 3 16 university university PROPN issue-198 3 17 , , PUNCT issue-198 3 18 ukraine ukraine PROPN issue-198 3 19 abstract abstract NOUN issue-198 3 20 . . PUNCT issue-198 4 1 the the DET issue-198 4 2 purpose purpose NOUN issue-198 4 3 is be AUX issue-198 4 4 a a DET issue-198 4 5 mortgage mortgage NOUN issue-198 4 6 market market NOUN issue-198 4 7 that that PRON issue-198 4 8 occupies occupy VERB issue-198 4 9 one one NUM issue-198 4 10 of of ADP issue-198 4 11 the the DET issue-198 4 12 major major ADJ issue-198 4 13 places place NOUN issue-198 4 14 among among ADP issue-198 4 15 the the DET issue-198 4 16 financial financial ADJ issue-198 4 17 mechanisms mechanism NOUN issue-198 4 18 of of ADP issue-198 4 19 economic economic ADJ issue-198 4 20 stimulation stimulation NOUN issue-198 4 21 and and CCONJ issue-198 4 22 stable stable ADJ issue-198 4 23 development development NOUN issue-198 4 24 of of ADP issue-198 4 25 the the DET issue-198 4 26 economy economy NOUN issue-198 4 27 . . PUNCT issue-198 5 1 the the DET issue-198 5 2 mortgage mortgage NOUN issue-198 5 3 market market NOUN issue-198 5 4 occupies occupy VERB issue-198 5 5 one one NUM issue-198 5 6 of of ADP issue-198 5 7 the the DET issue-198 5 8 main main ADJ issue-198 5 9 places place NOUN issue-198 5 10 of of ADP issue-198 5 11 financial financial ADJ issue-198 5 12 mechanisms mechanism NOUN issue-198 5 13 and and CCONJ issue-198 5 14 economic economic ADJ issue-198 5 15 incentives incentive NOUN issue-198 5 16 for for ADP issue-198 5 17 the the DET issue-198 5 18 sustainable sustainable ADJ issue-198 5 19 economic economic ADJ issue-198 5 20 development development NOUN issue-198 5 21 . . PUNCT issue-198 6 1 mortgage mortgage NOUN issue-198 6 2 lending lending NOUN issue-198 6 3 covers cover VERB issue-198 6 4 the the DET issue-198 6 5 provision provision NOUN issue-198 6 6 of of ADP issue-198 6 7 long long ADJ issue-198 6 8 - - PUNCT issue-198 6 9 term term NOUN issue-198 6 10 bank bank NOUN issue-198 6 11 loans loan NOUN issue-198 6 12 for for ADP issue-198 6 13 the the DET issue-198 6 14 purchase purchase NOUN issue-198 6 15 , , PUNCT issue-198 6 16 construction construction NOUN issue-198 6 17 of of ADP issue-198 6 18 residential residential ADJ issue-198 6 19 real real ADJ issue-198 6 20 estate estate NOUN issue-198 6 21 , , PUNCT issue-198 6 22 as as ADV issue-198 6 23 well well ADV issue-198 6 24 as as ADP issue-198 6 25 for for ADP issue-198 6 26 repairs repair NOUN issue-198 6 27 or or CCONJ issue-198 6 28 to to PART issue-198 6 29 develop develop VERB issue-198 6 30 their their PRON issue-198 6 31 own own ADJ issue-198 6 32 small small ADJ issue-198 6 33 businesses business NOUN issue-198 6 34 , , PUNCT issue-198 6 35 where where SCONJ issue-198 6 36 the the DET issue-198 6 37 collateral collateral NOUN issue-198 6 38 for for ADP issue-198 6 39 such such ADJ issue-198 6 40 loans loan NOUN issue-198 6 41 is be AUX issue-198 6 42 real real ADJ issue-198 6 43 estate estate NOUN issue-198 6 44 . . PUNCT issue-198 7 1 distinctive distinctive ADJ issue-198 7 2 features feature NOUN issue-198 7 3 of of ADP issue-198 7 4 mortgages mortgage NOUN issue-198 7 5 include include VERB issue-198 7 6 : : PUNCT issue-198 7 7 mortgages mortgage NOUN issue-198 7 8 , , PUNCT issue-198 7 9 like like ADP issue-198 7 10 any any DET issue-198 7 11 collateral collateral NOUN issue-198 7 12 , , PUNCT issue-198 7 13 in in ADP issue-198 7 14 fact fact NOUN issue-198 7 15 , , PUNCT issue-198 7 16 is be AUX issue-198 7 17 a a DET issue-198 7 18 way way NOUN issue-198 7 19 to to PART issue-198 7 20 ensure ensure VERB issue-198 7 21 proper proper ADJ issue-198 7 22 implementation implementation NOUN issue-198 7 23 of of ADP issue-198 7 24 the the DET issue-198 7 25 other other ADJ issue-198 7 26 ( ( PUNCT issue-198 7 27 main main ADJ issue-198 7 28 ) ) PUNCT issue-198 7 29 liabilities liability NOUN issue-198 7 30     SPACE issue-198 7 31 – – PUNCT issue-198 7 32 loan loan NOUN issue-198 7 33 or or CCONJ issue-198 7 34 credit credit NOUN issue-198 7 35 agreement agreement NOUN issue-198 7 36 , , PUNCT issue-198 7 37 lease lease NOUN issue-198 7 38 , , PUNCT issue-198 7 39 contract contract NOUN issue-198 7 40 , , PUNCT issue-198 7 41 compensation compensation NOUN issue-198 7 42 , , PUNCT issue-198 7 43 etc etc X issue-198 7 44 . . X issue-198 7 45 ; ; PUNCT issue-198 7 46 the the DET issue-198 7 47 subject subject NOUN issue-198 7 48 of of ADP issue-198 7 49 a a DET issue-198 7 50 mortgage mortgage NOUN issue-198 7 51 is be AUX issue-198 7 52 always always ADV issue-198 7 53 real real ADJ issue-198 7 54 estate estate NOUN issue-198 7 55 . . PUNCT issue-198 8 1 real real ADJ issue-198 8 2 estate estate NOUN issue-198 8 3 includes include VERB issue-198 8 4 land land NOUN issue-198 8 5 plots plot NOUN issue-198 8 6 and and CCONJ issue-198 8 7 everything everything PRON issue-198 8 8 that that PRON issue-198 8 9 is be AUX issue-198 8 10 firmly firmly ADV issue-198 8 11 associated associate VERB issue-198 8 12 with with ADP issue-198 8 13 them they PRON issue-198 8 14 : : PUNCT issue-198 8 15 buildings building NOUN issue-198 8 16 , , PUNCT issue-198 8 17 perennial perennial ADJ issue-198 8 18 plants plant NOUN issue-198 8 19 , , PUNCT issue-198 8 20 etc etc X issue-198 8 21 . . X issue-198 8 22 ; ; PUNCT issue-198 8 23 mortgaged mortgage VERB issue-198 8 24 property property NOUN issue-198 8 25 remains remain VERB issue-198 8 26 in in ADP issue-198 8 27 the the DET issue-198 8 28 possession possession NOUN issue-198 8 29 of of ADP issue-198 8 30 the the DET issue-198 8 31 debtor debtor NOUN issue-198 8 32 ; ; PUNCT issue-198 8 33 the the DET issue-198 8 34 agreement agreement NOUN issue-198 8 35 between between ADP issue-198 8 36 the the DET issue-198 8 37 creditor creditor NOUN issue-198 8 38 and and CCONJ issue-198 8 39 the the DET issue-198 8 40 debtor debtor NOUN issue-198 8 41 on on ADP issue-198 8 42 the the DET issue-198 8 43 establishment establishment NOUN issue-198 8 44 of of ADP issue-198 8 45 a a DET issue-198 8 46 mortgage mortgage NOUN issue-198 8 47 is be AUX issue-198 8 48 formalized formalize VERB issue-198 8 49 by by ADP issue-198 8 50 a a DET issue-198 8 51 special special ADJ issue-198 8 52 document document NOUN issue-198 8 53     SPACE issue-198 8 54 – – PUNCT issue-198 8 55 the the DET issue-198 8 56 mortgage mortgage NOUN issue-198 8 57 , , PUNCT issue-198 8 58 which which PRON issue-198 8 59 is be AUX issue-198 8 60 also also ADV issue-198 8 61 subject subject ADJ issue-198 8 62 to to ADP issue-198 8 63 state state NOUN issue-198 8 64 registration registration NOUN issue-198 8 65 . . PUNCT issue-198 9 1 the the DET issue-198 9 2 mortgage mortgage NOUN issue-198 9 3 crediting crediting NOUN issue-198 9 4 is be AUX issue-198 9 5 the the DET issue-198 9 6 method method NOUN issue-198 9 7 of of ADP issue-198 9 8 accumulation accumulation NOUN issue-198 9 9 of of ADP issue-198 9 10 financial financial ADJ issue-198 9 11 resources resource NOUN issue-198 9 12 , , PUNCT issue-198 9 13 effective effective ADJ issue-198 9 14 instrument instrument NOUN issue-198 9 15 of of ADP issue-198 9 16 bank bank NOUN issue-198 9 17 activity activity NOUN issue-198 9 18 , , PUNCT issue-198 9 19 and and CCONJ issue-198 9 20 an an DET issue-198 9 21 important important ADJ issue-198 9 22 factor factor NOUN issue-198 9 23 in in ADP issue-198 9 24 economic economic ADJ issue-198 9 25 development development NOUN issue-198 9 26 of of ADP issue-198 9 27 the the DET issue-198 9 28 country country NOUN issue-198 9 29 on on ADP issue-198 9 30 the the DET issue-198 9 31 whole whole NOUN issue-198 9 32 . . PUNCT issue-198 10 1 research research NOUN issue-198 10 2 results result NOUN issue-198 10 3 are be AUX issue-198 10 4 market market NOUN issue-198 10 5 of of ADP issue-198 10 6 the the DET issue-198 10 7 real real ADJ issue-198 10 8 estate estate NOUN issue-198 10 9 and and CCONJ issue-198 10 10 financial financial ADJ issue-198 10 11 services service NOUN issue-198 10 12 development development NOUN issue-198 10 13 , , PUNCT issue-198 10 14 to to ADP issue-198 10 15 the the DET issue-198 10 16 revival revival NOUN issue-198 10 17 of of ADP issue-198 10 18 fund fund NOUN issue-198 10 19 market market NOUN issue-198 10 20 , , PUNCT issue-198 10 21 here here ADV issue-198 10 22 the the DET issue-198 10 23 mortgage mortgage NOUN issue-198 10 24 crediting crediting NOUN issue-198 10 25 is be AUX issue-198 10 26 capable capable ADJ issue-198 10 27 not not PART issue-198 10 28 only only ADV issue-198 10 29 of of ADP issue-198 10 30 activating activate VERB issue-198 10 31 reforms reform NOUN issue-198 10 32 in in ADP issue-198 10 33 industries industry NOUN issue-198 10 34 of of ADP issue-198 10 35 the the DET issue-198 10 36 economy economy NOUN issue-198 10 37 but but CCONJ issue-198 10 38 also also ADV issue-198 10 39 gradually gradually ADV issue-198 10 40 providing provide VERB issue-198 10 41 the the DET issue-198 10 42 decision decision NOUN issue-198 10 43 of of ADP issue-198 10 44 housing housing NOUN issue-198 10 45 problems problem NOUN issue-198 10 46 of of ADP issue-198 10 47 the the DET issue-198 10 48 population population NOUN issue-198 10 49 . . PUNCT issue-198 11 1 practical practical ADJ issue-198 11 2 consequences consequence NOUN issue-198 11 3 consist consist VERB issue-198 11 4 in in ADP issue-198 11 5 the the DET issue-198 11 6 solution solution NOUN issue-198 11 7 of of ADP issue-198 11 8 problems problem NOUN issue-198 11 9 that that PRON issue-198 11 10 are be AUX issue-198 11 11 related relate VERB issue-198 11 12 to to ADP issue-198 11 13 the the DET issue-198 11 14 market market NOUN issue-198 11 15 for for ADP issue-198 11 16 mortgage mortgage NOUN issue-198 11 17 services service NOUN issue-198 11 18 of of ADP issue-198 11 19 ukraine ukraine PROPN issue-198 11 20 ’s ’s PART issue-198 11 21 development development NOUN issue-198 11 22 from from ADP issue-198 11 23 2006 2006 NUM issue-198 11 24 to to ADP issue-198 11 25 2016 2016 NUM issue-198 11 26 . . PUNCT issue-198 12 1 value value NOUN issue-198 12 2 / / SYM issue-198 12 3 originality originality NOUN issue-198 12 4 . . PUNCT issue-198 13 1 analysis analysis NOUN issue-198 13 2 of of ADP issue-198 13 3 the the DET issue-198 13 4 mortgage mortgage NOUN issue-198 13 5 market market NOUN issue-198 13 6 in in ADP issue-198 13 7 ukraine ukraine PROPN issue-198 13 8 shows show VERB issue-198 13 9 that that SCONJ issue-198 13 10 in in ADP issue-198 13 11 recent recent ADJ issue-198 13 12 years year NOUN issue-198 13 13 , , PUNCT issue-198 13 14 its its PRON issue-198 13 15 scope scope NOUN issue-198 13 16 , , PUNCT issue-198 13 17 dynamics dynamic NOUN issue-198 13 18 , , PUNCT issue-198 13 19 and and CCONJ issue-198 13 20 trends trend NOUN issue-198 13 21 do do AUX issue-198 13 22 not not PART issue-198 13 23 meet meet VERB issue-198 13 24 the the DET issue-198 13 25 needs need NOUN issue-198 13 26 of of ADP issue-198 13 27 either either PRON issue-198 13 28 people people NOUN issue-198 13 29 or or CCONJ issue-198 13 30 developers developer NOUN issue-198 13 31 . . PUNCT issue-198 14 1 at at ADP issue-198 14 2 a a DET issue-198 14 3 time time NOUN issue-198 14 4 when when SCONJ issue-198 14 5 the the DET issue-198 14 6 dynamics dynamic NOUN issue-198 14 7 of of ADP issue-198 14 8 macroeconomic macroeconomic ADJ issue-198 14 9 indicators indicator NOUN issue-198 14 10 do do AUX issue-198 14 11 not not PART issue-198 14 12 give give VERB issue-198 14 13 hope hope NOUN issue-198 14 14 for for ADP issue-198 14 15 a a DET issue-198 14 16 quick quick ADJ issue-198 14 17 exit exit NOUN issue-198 14 18 from from ADP issue-198 14 19 the the DET issue-198 14 20 crisis crisis NOUN issue-198 14 21 and and CCONJ issue-198 14 22 high high ADJ issue-198 14 23 political political ADJ issue-198 14 24 risks risk NOUN issue-198 14 25 increase increase VERB issue-198 14 26 the the DET issue-198 14 27 uncertainty uncertainty NOUN issue-198 14 28 of of ADP issue-198 14 29 social social ADJ issue-198 14 30 development development NOUN issue-198 14 31 , , PUNCT issue-198 14 32 long long ADJ issue-198 14 33 - - PUNCT issue-198 14 34 term term NOUN issue-198 14 35 mortgage mortgage NOUN issue-198 14 36 loans loan NOUN issue-198 14 37 are be AUX issue-198 14 38 risky risky ADJ issue-198 14 39 for for ADP issue-198 14 40 the the DET issue-198 14 41 banking banking NOUN issue-198 14 42 sector sector NOUN issue-198 14 43 and and CCONJ issue-198 14 44 for for ADP issue-198 14 45 borrowers borrower NOUN issue-198 14 46 . . PUNCT issue-198 15 1 implementation implementation NOUN issue-198 15 2 methods method NOUN issue-198 15 3 in in ADP issue-198 15 4 combination combination NOUN issue-198 15 5 with with ADP issue-198 15 6 the the DET issue-198 15 7 continuation continuation NOUN issue-198 15 8 of of ADP issue-198 15 9 market market NOUN issue-198 15 10 reforms reform NOUN issue-198 15 11 in in ADP issue-198 15 12 ukraine ukraine NOUN issue-198 15 13 will will AUX issue-198 15 14 contribute contribute VERB issue-198 15 15 to to ADP issue-198 15 16 the the DET issue-198 15 17 economic economic ADJ issue-198 15 18 growth growth NOUN issue-198 15 19 and and CCONJ issue-198 15 20 socio socio NOUN issue-198 15 21 - - PUNCT issue-198 15 22 economic economic ADJ issue-198 15 23 development development NOUN issue-198 15 24 . . PUNCT issue-198 16 1 key key ADJ issue-198 16 2 words word NOUN issue-198 16 3 : : PUNCT issue-198 16 4 mortgage mortgage NOUN issue-198 16 5 , , PUNCT issue-198 16 6 mortgage mortgage NOUN issue-198 16 7 lending lending NOUN issue-198 16 8 , , PUNCT issue-198 16 9 mortgage mortgage NOUN issue-198 16 10 market market NOUN issue-198 16 11 , , PUNCT issue-198 16 12 loan loan NOUN issue-198 16 13 portfolio portfolio NOUN issue-198 16 14 , , PUNCT issue-198 16 15 mortgage mortgage NOUN issue-198 16 16 refinancing refinancing NOUN issue-198 16 17 . . PUNCT issue-198 17 1 jel jel PROPN issue-198 17 2 classification classification PROPN issue-198 17 3 : : PUNCT issue-198 17 4 g10 g10 PROPN issue-198 17 5 , , PUNCT issue-198 17 6 g21 g21 PROPN issue-198 17 7 corresponding corresponding ADJ issue-198 17 8 author author NOUN issue-198 17 9 : : PUNCT issue-198 17 10 1 1 NUM issue-198 17 11 department department NOUN issue-198 17 12 of of ADP issue-198 17 13 finance finance NOUN issue-198 17 14 and and CCONJ issue-198 17 15 credit credit NOUN issue-198 17 16 , , PUNCT issue-198 17 17 yuriy yuriy PROPN issue-198 17 18 fedkovych fedkovych PROPN issue-198 17 19 chernivtsi chernivtsi PROPN issue-198 17 20 national national PROPN issue-198 17 21 university university PROPN issue-198 17 22 . . PUNCT issue-198 18 1 e e X issue-198 18 2 - - NOUN issue-198 18 3 mail mail NOUN issue-198 18 4 : : PUNCT issue-198 18 5 viola.17@ukr.net viola.17@ukr.net NOUN issue-198 18 6 1 1 NUM issue-198 18 7 . . PUNCT issue-198 18 8 introduction introduction NOUN issue-198 18 9 the the DET issue-198 18 10 mortgage mortgage NOUN issue-198 18 11 market market NOUN issue-198 18 12 occupies occupy VERB issue-198 18 13 one one NUM issue-198 18 14 of of ADP issue-198 18 15 the the DET issue-198 18 16 most most ADV issue-198 18 17 important important ADJ issue-198 18 18 places place NOUN issue-198 18 19 among among ADP issue-198 18 20 financial financial ADJ issue-198 18 21 mechanisms mechanism NOUN issue-198 18 22 of of ADP issue-198 18 23 economic economic ADJ issue-198 18 24 incentives incentive NOUN issue-198 18 25 and and CCONJ issue-198 18 26 steady steady ADJ issue-198 18 27 economic economic ADJ issue-198 18 28 development development NOUN issue-198 18 29 . . PUNCT issue-198 19 1 mortgage mortgage NOUN issue-198 19 2 lending lending NOUN issue-198 19 3 is be AUX issue-198 19 4 a a DET issue-198 19 5 method method NOUN issue-198 19 6 of of ADP issue-198 19 7 accumulating accumulate VERB issue-198 19 8 financial financial ADJ issue-198 19 9 resources resource NOUN issue-198 19 10 , , PUNCT issue-198 19 11 an an DET issue-198 19 12 effective effective ADJ issue-198 19 13 tool tool NOUN issue-198 19 14 for for ADP issue-198 19 15 banking banking NOUN issue-198 19 16 activity activity NOUN issue-198 19 17 , , PUNCT issue-198 19 18 and and CCONJ issue-198 19 19 an an DET issue-198 19 20 important important ADJ issue-198 19 21 factor factor NOUN issue-198 19 22 for for ADP issue-198 19 23 the the DET issue-198 19 24 economic economic ADJ issue-198 19 25 development development NOUN issue-198 19 26 of of ADP issue-198 19 27 the the DET issue-198 19 28 county county NOUN issue-198 19 29 in in ADP issue-198 19 30 general general ADJ issue-198 19 31 . . PUNCT issue-198 20 1 promoting promote VERB issue-198 20 2 real real ADJ issue-198 20 3 estate estate NOUN issue-198 20 4 development development NOUN issue-198 20 5 and and CCONJ issue-198 20 6 financial financial ADJ issue-198 20 7 services service NOUN issue-198 20 8 , , PUNCT issue-198 20 9 recovery recovery NOUN issue-198 20 10 of of ADP issue-198 20 11 the the DET issue-198 20 12 stock stock NOUN issue-198 20 13 market market NOUN issue-198 20 14 , , PUNCT issue-198 20 15 mortgage mortgage NOUN issue-198 20 16 lending lending NOUN issue-198 20 17 can can AUX issue-198 20 18 not not PART issue-198 20 19 only only ADV issue-198 20 20 activate activate VERB issue-198 20 21 reforms reform NOUN issue-198 20 22 in in ADP issue-198 20 23 the the DET issue-198 20 24 economy economy NOUN issue-198 20 25 but but CCONJ issue-198 20 26 also also ADV issue-198 20 27 gradually gradually ADV issue-198 20 28 ensure ensure VERB issue-198 20 29 solving solve VERB issue-198 20 30 housing housing NOUN issue-198 20 31 problems problem NOUN issue-198 20 32 of of ADP issue-198 20 33 the the DET issue-198 20 34 population population NOUN issue-198 20 35 . . PUNCT issue-198 21 1 the the DET issue-198 21 2 use use NOUN issue-198 21 3 of of ADP issue-198 21 4 this this DET issue-198 21 5 tool tool NOUN issue-198 21 6 will will AUX issue-198 21 7 significantly significantly ADV issue-198 21 8 reduce reduce VERB issue-198 21 9 tension tension NOUN issue-198 21 10 in in ADP issue-198 21 11 the the DET issue-198 21 12 housing housing NOUN issue-198 21 13 sector sector NOUN issue-198 21 14 by by ADP issue-198 21 15 providing provide VERB issue-198 21 16 an an DET issue-198 21 17 average average ADJ issue-198 21 18 citizen citizen NOUN issue-198 21 19 the the DET issue-198 21 20 opportunity opportunity NOUN issue-198 21 21 to to PART issue-198 21 22 acquire acquire VERB issue-198 21 23 housing housing NOUN issue-198 21 24 through through ADP issue-198 21 25 a a DET issue-198 21 26 mortgage mortgage NOUN issue-198 21 27 . . PUNCT issue-198 22 1 however however ADV issue-198 22 2 , , PUNCT issue-198 22 3 despite despite SCONJ issue-198 22 4 its its PRON issue-198 22 5 relevance relevance NOUN issue-198 22 6 , , PUNCT issue-198 22 7 mortgage mortgage NOUN issue-198 22 8 lending lending NOUN issue-198 22 9 in in ADP issue-198 22 10 ukraine ukraine PROPN issue-198 22 11 has have AUX issue-198 22 12 still still ADV issue-198 22 13 not not PART issue-198 22 14 received receive VERB issue-198 22 15 a a DET issue-198 22 16 proper proper ADJ issue-198 22 17 development development NOUN issue-198 22 18 . . PUNCT issue-198 23 1 the the DET issue-198 23 2 share share NOUN issue-198 23 3 of of ADP issue-198 23 4 mortgage mortgage NOUN issue-198 23 5 in in ADP issue-198 23 6 ukraine ukraine PROPN issue-198 23 7 ’s ’s PART issue-198 23 8 gdp gdp NOUN issue-198 23 9 is be AUX issue-198 23 10 less less ADJ issue-198 23 11 than than ADP issue-198 23 12 1 1 NUM issue-198 23 13 % % NOUN issue-198 23 14 , , PUNCT issue-198 23 15 while while SCONJ issue-198 23 16 for for ADP issue-198 23 17 the the DET issue-198 23 18 countries country NOUN issue-198 23 19 of of ADP issue-198 23 20 the the DET issue-198 23 21 average average ADJ issue-198 23 22 level level NOUN issue-198 23 23 of of ADP issue-198 23 24 development development NOUN issue-198 23 25 the the DET issue-198 23 26 world world NOUN issue-198 23 27 bank bank PROPN issue-198 23 28 has have AUX issue-198 23 29 set set VERB issue-198 23 30 this this DET issue-198 23 31 indicator indicator NOUN issue-198 23 32 at at ADP issue-198 23 33 the the DET issue-198 23 34 level level NOUN issue-198 23 35 of of ADP issue-198 23 36 25 25 NUM issue-198 23 37 % % NOUN issue-198 23 38 of of ADP issue-198 23 39 gdp gdp NOUN issue-198 23 40 . . PUNCT issue-198 24 1 throughout throughout ADP issue-198 24 2 the the DET issue-198 24 3 eu eu PROPN issue-198 24 4 , , PUNCT issue-198 24 5 the the DET issue-198 24 6 figure figure NOUN issue-198 24 7 is be AUX issue-198 24 8 estimated estimate VERB issue-198 24 9 to to PART issue-198 24 10 be be AUX issue-198 24 11 over over ADP issue-198 24 12 52 52 NUM issue-198 24 13 % % NOUN issue-198 24 14 , , PUNCT issue-198 24 15 in in ADP issue-198 24 16 the the DET issue-198 24 17 us we PRON issue-198 24 18     SPACE issue-198 24 19 – – PUNCT issue-198 24 20 more more ADJ issue-198 24 21 than than ADP issue-198 24 22 76 76 NUM issue-198 24 23 % % NOUN issue-198 24 24 . . PUNCT issue-198 25 1 problems problem NOUN issue-198 25 2 associated associate VERB issue-198 25 3 with with ADP issue-198 25 4 mortgage mortgage NOUN issue-198 25 5 lending lending NOUN issue-198 25 6 have have AUX issue-198 25 7 been be AUX issue-198 25 8 studied study VERB issue-198 25 9 by by ADP issue-198 25 10 many many ADJ issue-198 25 11 economists economist NOUN issue-198 25 12 , , PUNCT issue-198 25 13 including include VERB issue-198 25 14 : : PUNCT issue-198 25 15 b. b. PROPN issue-198 25 16     SPACE issue-198 25 17 busov busov PROPN issue-198 25 18 , , PUNCT issue-198 25 19 o. o. PROPN issue-198 25 20     SPACE issue-198 25 21 hudz hudz NOUN issue-198 25 22 , , PUNCT issue-198 25 23 m. m. NOUN issue-198 25 24     SPACE issue-198 25 25 demianenko demianenko PROPN issue-198 25 26 , , PUNCT issue-198 25 27 o.t o.t PROPN issue-198 25 28 . . PROPN issue-198 25 29     SPACE issue-198 25 30 yevtukh yevtukh NOUN issue-198 25 31 , , PUNCT issue-198 25 32 o.o o.o PROPN issue-198 25 33 . . PROPN issue-198 25 34     SPACE issue-198 25 35 yevtukh yevtukh NOUN issue-198 25 36 , , PUNCT issue-198 25 37 s. s. PROPN issue-198 25 38     SPACE issue-198 25 39 kruchok kruchok NOUN issue-198 25 40 , , PUNCT issue-198 25 41 v. v. ADP issue-198 25 42     SPACE issue-198 25 43 lahutin lahutin ADV issue-198 25 44 , , PUNCT issue-198 25 45 a. a. NOUN issue-198 25 46     SPACE issue-198 25 47 somyk somyk NOUN issue-198 25 48 , , PUNCT issue-198 25 49 a. a. NOUN issue-198 25 50     SPACE issue-198 25 51 chupis chupis ADJ issue-198 25 52 , , PUNCT issue-198 25 53 k. k. PROPN issue-198 25 54     SPACE issue-198 25 55 palyvoda palyvoda PROPN issue-198 25 56 , , PUNCT issue-198 25 57 b. b. PROPN issue-198 25 58     SPACE issue-198 26 1 hnatkivskyi hnatkivskyi PROPN issue-198 26 2 , , PUNCT issue-198 26 3 i. i. NOUN issue-198 26 4     SPACE issue-198 26 5 liutyi liutyi PROPN issue-198 26 6 , , PUNCT issue-198 26 7 o. o. PROPN issue-198 26 8     SPACE issue-198 26 9 berehulia berehulia PROPN issue-198 26 10 , , PUNCT issue-198 26 11 l. l. PROPN issue-198 26 12     SPACE issue-198 26 13 labetska labetska NOUN issue-198 26 14 , , PUNCT issue-198 26 15 o. o. PROPN issue-198 26 16     SPACE issue-198 26 17 kireev kireev PROPN issue-198 26 18 , , PUNCT issue-198 26 19 i. i. PROPN issue-198 26 20     SPACE issue-198 26 21 kovalyshyn kovalyshyn PROPN issue-198 26 22 , , PUNCT issue-198 26 23 g. g. PROPN issue-198 26 24     SPACE issue-198 26 25 andreeva andreeva VERB issue-198 26 26 . . PUNCT issue-198 27 1 a a DET issue-198 27 2 wide wide ADJ issue-198 27 3 range range NOUN issue-198 27 4 of of ADP issue-198 27 5 different different ADJ issue-198 27 6 theoretical theoretical ADJ issue-198 27 7 and and CCONJ issue-198 27 8 methodological methodological ADJ issue-198 27 9 aspects aspect NOUN issue-198 27 10 of of ADP issue-198 27 11 mortgage mortgage NOUN issue-198 27 12 are be AUX issue-198 27 13 reflected reflect VERB issue-198 27 14 in in ADP issue-198 27 15 the the DET issue-198 27 16 works work NOUN issue-198 27 17 of of ADP issue-198 27 18 national national ADJ issue-198 27 19 scientists scientist NOUN issue-198 27 20 : : PUNCT issue-198 27 21 m. m. NOUN issue-198 27 22     SPACE issue-198 27 23 haienko haienko PROPN issue-198 27 24 , , PUNCT issue-198 27 25 n. n. PROPN issue-198 27 26     SPACE issue-198 27 27 hryshchuk hryshchuk VERB issue-198 27 28 , , PUNCT issue-198 27 29 v. v. ADP issue-198 27 30     SPACE issue-198 27 31 kravchenko kravchenko ADJ issue-198 27 32 , , PUNCT issue-198 27 33 v. v. ADP issue-198 27 34     SPACE issue-198 27 35 krylova krylova X issue-198 27 36 , , PUNCT issue-198 27 37 o. o. PROPN issue-198 27 38     SPACE issue-198 27 39 nepochatenko nepochatenko PROPN issue-198 27 40 , , PUNCT issue-198 27 41 i. i. NOUN issue-198 27 42     SPACE issue-198 27 43 puchkovska puchkovska PROPN issue-198 27 44 , , PUNCT issue-198 27 45 v. v. NOUN issue-198 27 46     SPACE issue-198 27 47 savych savych PROPN issue-198 27 48 , , PUNCT issue-198 27 49 s. s. PROPN issue-198 27 50     SPACE issue-198 27 51 yurhelevych yurhelevych PROPN issue-198 27 52 . . PUNCT issue-198 28 1 the the DET issue-198 28 2 work work NOUN issue-198 28 3 is be AUX issue-198 28 4 devoted devote VERB issue-198 28 5 to to ADP issue-198 28 6 the the DET issue-198 28 7 study study NOUN issue-198 28 8 of of ADP issue-198 28 9 the the DET issue-198 28 10 essence essence NOUN issue-198 28 11 of of ADP issue-198 28 12 the the DET issue-198 28 13 category category NOUN issue-198 28 14 of of ADP issue-198 28 15 mortgage mortgage NOUN issue-198 28 16 lending lending NOUN issue-198 28 17 , , PUNCT issue-198 28 18 as as ADV issue-198 28 19 well well ADV issue-198 28 20 as as ADP issue-198 28 21 the the DET issue-198 28 22 analysis analysis NOUN issue-198 28 23 of of ADP issue-198 28 24 baltic baltic ADJ issue-198 28 25 journal journal PROPN issue-198 28 26 of of ADP issue-198 28 27 economic economic ADJ issue-198 28 28 studies study NOUN issue-198 28 29 60 60 NUM issue-198 28 30 vol vol NOUN issue-198 28 31 . . PUNCT issue-198 29 1 3 3 NUM issue-198 29 2 , , PUNCT issue-198 29 3 no no INTJ issue-198 29 4 . . NOUN issue-198 29 5 3 3 NUM issue-198 29 6 , , PUNCT issue-198 29 7 2017 2017 NUM issue-198 29 8 the the DET issue-198 29 9 current current ADJ issue-198 29 10 state state NOUN issue-198 29 11 of of ADP issue-198 29 12 the the DET issue-198 29 13 housing housing NOUN issue-198 29 14 market market NOUN issue-198 29 15 in in ADP issue-198 29 16 ukraine ukraine NOUN issue-198 29 17 . . PUNCT issue-198 30 1 the the DET issue-198 30 2 institutional institutional ADJ issue-198 30 3 component component NOUN issue-198 30 4 of of ADP issue-198 30 5 the the DET issue-198 30 6 mortgage mortgage NOUN issue-198 30 7 loan loan NOUN issue-198 30 8 market market NOUN issue-198 30 9 is be AUX issue-198 30 10 assessed assess VERB issue-198 30 11 and and CCONJ issue-198 30 12 the the DET issue-198 30 13 main main ADJ issue-198 30 14 problems problem NOUN issue-198 30 15 and and CCONJ issue-198 30 16 prospects prospect NOUN issue-198 30 17 of of ADP issue-198 30 18 development development NOUN issue-198 30 19 of of ADP issue-198 30 20 this this DET issue-198 30 21 sphere sphere NOUN issue-198 30 22 of of ADP issue-198 30 23 economic economic ADJ issue-198 30 24 relations relation NOUN issue-198 30 25 in in ADP issue-198 30 26 the the DET issue-198 30 27 state state NOUN issue-198 30 28 are be AUX issue-198 30 29 considered consider VERB issue-198 30 30 . . PUNCT issue-198 31 1 2 2 X issue-198 31 2 . . X issue-198 31 3 methodical methodical ADJ issue-198 31 4 approaches approach NOUN issue-198 31 5 real real ADJ issue-198 31 6 estate estate NOUN issue-198 31 7 has have AUX issue-198 31 8 always always ADV issue-198 31 9 been be AUX issue-198 31 10 appreciated appreciate VERB issue-198 31 11 in in ADP issue-198 31 12 banking banking NOUN issue-198 31 13 as as ADP issue-198 31 14 a a DET issue-198 31 15 reliable reliable ADJ issue-198 31 16 guarantee guarantee NOUN issue-198 31 17 of of ADP issue-198 31 18 repayment repayment NOUN issue-198 31 19 . . PUNCT issue-198 32 1 pledge pledge NOUN issue-198 32 2 of of ADP issue-198 32 3 land land NOUN issue-198 32 4 and and CCONJ issue-198 32 5 real real ADJ issue-198 32 6 estate estate NOUN issue-198 32 7 for for ADP issue-198 32 8 a a DET issue-198 32 9 long long ADJ issue-198 32 10 - - PUNCT issue-198 32 11 term term NOUN issue-198 32 12 credit credit NOUN issue-198 32 13 is be AUX issue-198 32 14 called call VERB issue-198 32 15 a a DET issue-198 32 16 mortgage mortgage NOUN issue-198 32 17 . . PUNCT issue-198 33 1 the the DET issue-198 33 2 mortgage mortgage NOUN issue-198 33 3 is be AUX issue-198 33 4 a a DET issue-198 33 5 kind kind NOUN issue-198 33 6 of of ADP issue-198 33 7 pledge pledge NOUN issue-198 33 8 of of ADP issue-198 33 9 real real ADJ issue-198 33 10 estate estate NOUN issue-198 33 11 ( ( PUNCT issue-198 33 12 land land NOUN issue-198 33 13 , , PUNCT issue-198 33 14 enterprises enterprise NOUN issue-198 33 15 , , PUNCT issue-198 33 16 buildings building NOUN issue-198 33 17 , , PUNCT issue-198 33 18 structures structure NOUN issue-198 33 19 , , PUNCT issue-198 33 20 and and CCONJ issue-198 33 21 other other ADJ issue-198 33 22 objects object NOUN issue-198 33 23 directly directly ADV issue-198 33 24 connected connect VERB issue-198 33 25 with with ADP issue-198 33 26 the the DET issue-198 33 27 ground ground NOUN issue-198 33 28 ) ) PUNCT issue-198 33 29 in in ADP issue-198 33 30 order order NOUN issue-198 33 31 to to PART issue-198 33 32 borrow borrow VERB issue-198 33 33 money money NOUN issue-198 33 34 . . PUNCT issue-198 34 1 in in ADP issue-198 34 2 the the DET issue-198 34 3 case case NOUN issue-198 34 4 of of ADP issue-198 34 5 non non ADJ issue-198 34 6 - - NOUN issue-198 34 7 payment payment NOUN issue-198 34 8 of of ADP issue-198 34 9 loans loan NOUN issue-198 34 10 , , PUNCT issue-198 34 11 the the DET issue-198 34 12 pledged pledge VERB issue-198 34 13 property property NOUN issue-198 34 14 is be AUX issue-198 34 15 sold sell VERB issue-198 34 16 , , PUNCT issue-198 34 17 and and CCONJ issue-198 34 18 amount amount NOUN issue-198 34 19 of of ADP issue-198 34 20 proceeds proceed NOUN issue-198 34 21 pays pay VERB issue-198 34 22 off off ADP issue-198 34 23 the the DET issue-198 34 24 debt debt NOUN issue-198 34 25 to to ADP issue-198 34 26 the the DET issue-198 34 27 creditor creditor NOUN issue-198 34 28 . . PUNCT issue-198 35 1 according accord VERB issue-198 35 2 to to ADP issue-198 35 3 the the DET issue-198 35 4 law law NOUN issue-198 35 5 of of ADP issue-198 35 6 ukraine ukraine NOUN issue-198 35 7 “ " PUNCT issue-198 35 8 on on ADP issue-198 35 9 mortgage mortgage NOUN issue-198 35 10 ” " PUNCT issue-198 35 11 , , PUNCT issue-198 35 12 mortgage mortgage NOUN issue-198 35 13 is be AUX issue-198 35 14 defined define VERB issue-198 35 15 type type NOUN issue-198 35 16 of of ADP issue-198 35 17 security security NOUN issue-198 35 18 of of ADP issue-198 35 19 the the DET issue-198 35 20 fulfilment fulfilment NOUN issue-198 35 21 of of ADP issue-198 35 22 the the DET issue-198 35 23 obligations obligation NOUN issue-198 35 24 by by ADP issue-198 35 25 real real ADJ issue-198 35 26 estate estate NOUN issue-198 35 27 that that PRON issue-198 35 28 is be AUX issue-198 35 29 owned own VERB issue-198 35 30 and and CCONJ issue-198 35 31 used use VERB issue-198 35 32 by by ADP issue-198 35 33 the the DET issue-198 35 34 mortgagor mortgagor NOUN issue-198 35 35 , , PUNCT issue-198 35 36 under under ADP issue-198 35 37 which which PRON issue-198 35 38 the the DET issue-198 35 39 mortgagee mortgagee NOUN issue-198 35 40 has have VERB issue-198 35 41 the the DET issue-198 35 42 right right NOUN issue-198 35 43 in in ADP issue-198 35 44 case case NOUN issue-198 35 45 of of ADP issue-198 35 46 nonfeasance nonfeasance NOUN issue-198 35 47 by by ADP issue-198 35 48 the the DET issue-198 35 49 debtor debtor NOUN issue-198 35 50 of of ADP issue-198 35 51 the the DET issue-198 35 52 obligation obligation NOUN issue-198 35 53 secured secure VERB issue-198 35 54 by by ADP issue-198 35 55 mortgage mortgage NOUN issue-198 35 56 to to PART issue-198 35 57 get get VERB issue-198 35 58 his his PRON issue-198 35 59 claims claim NOUN issue-198 35 60 covered cover VERB issue-198 35 61 by by ADP issue-198 35 62 the the DET issue-198 35 63 object object NOUN issue-198 35 64 of of ADP issue-198 35 65 mortgage mortgage NOUN issue-198 35 66 mainly mainly ADV issue-198 35 67 before before ADP issue-198 35 68 other other ADJ issue-198 35 69 creditors creditor NOUN issue-198 35 70 of of ADP issue-198 35 71 the the DET issue-198 35 72 debtor debtor NOUN issue-198 35 73 in in ADP issue-198 35 74 the the DET issue-198 35 75 manner manner NOUN issue-198 35 76 established establish VERB issue-198 35 77 by by ADP issue-198 35 78 this this DET issue-198 35 79 law law NOUN issue-198 35 80 . . PUNCT issue-198 36 1 mortgage mortgage NOUN issue-198 36 2 lending lending NOUN issue-198 36 3 is be AUX issue-198 36 4 crediting credit VERB issue-198 36 5 on on ADP issue-198 36 6 a a DET issue-198 36 7 pledge pledge NOUN issue-198 36 8 of of ADP issue-198 36 9 real real ADJ issue-198 36 10 estate estate NOUN issue-198 36 11 loans loan NOUN issue-198 36 12 or or CCONJ issue-198 36 13 crediting crediting NOUN issue-198 36 14 using use VERB issue-198 36 15 mortgages mortgage NOUN issue-198 36 16 as as ADP issue-198 36 17 security security NOUN issue-198 36 18 for for ADP issue-198 36 19 the the DET issue-198 36 20 repayment repayment NOUN issue-198 36 21 of of ADP issue-198 36 22 credit credit NOUN issue-198 36 23 . . PUNCT issue-198 37 1 on on ADP issue-198 37 2 the the DET issue-198 37 3 basis basis NOUN issue-198 37 4 of of ADP issue-198 37 5 analysis analysis NOUN issue-198 37 6 of of ADP issue-198 37 7 the the DET issue-198 37 8 economic economic ADJ issue-198 37 9 literature literature NOUN issue-198 37 10 aimed aim VERB issue-198 37 11 at at ADP issue-198 37 12 studying study VERB issue-198 37 13 the the DET issue-198 37 14 nature nature NOUN issue-198 37 15 and and CCONJ issue-198 37 16 characteristics characteristic NOUN issue-198 37 17 of of ADP issue-198 37 18 the the DET issue-198 37 19 mortgage mortgage NOUN issue-198 37 20 , , PUNCT issue-198 37 21 its its PRON issue-198 37 22 following follow VERB issue-198 37 23 features feature NOUN issue-198 37 24 can can AUX issue-198 37 25 be be AUX issue-198 37 26 identified identify VERB issue-198 37 27 : : PUNCT issue-198 37 28 ‒ ‒ NUM issue-198 37 29 mortgage mortgage NOUN issue-198 37 30 is be AUX issue-198 37 31 used use VERB issue-198 37 32 as as ADP issue-198 37 33 a a DET issue-198 37 34 tool tool NOUN issue-198 37 35 for for ADP issue-198 37 36 raising raise VERB issue-198 37 37 funds fund NOUN issue-198 37 38 for for ADP issue-198 37 39 the the DET issue-198 37 40 development development NOUN issue-198 37 41 of of ADP issue-198 37 42 production production NOUN issue-198 37 43 ; ; PUNCT issue-198 37 44 ‒ ‒ X issue-198 37 45 mortgage mortgage NOUN issue-198 37 46 ensures ensure VERB issue-198 37 47 the the DET issue-198 37 48 implementation implementation NOUN issue-198 37 49 of of ADP issue-198 37 50 property property NOUN issue-198 37 51 rights right NOUN issue-198 37 52 to to PART issue-198 37 53 object object VERB issue-198 37 54 ownership ownership NOUN issue-198 37 55 when when SCONJ issue-198 37 56 implementing implement VERB issue-198 37 57 other other ADJ issue-198 37 58 forms form NOUN issue-198 37 59 of of ADP issue-198 37 60 ownership ownership NOUN issue-198 37 61 ( ( PUNCT issue-198 37 62 e.g. e.g. ADV issue-198 37 63 sale sale NOUN issue-198 37 64 ) ) PUNCT issue-198 37 65 is be AUX issue-198 37 66 inappropriate inappropriate ADJ issue-198 37 67 in in ADP issue-198 37 68 a a DET issue-198 37 69 particular particular ADJ issue-198 37 70 situation situation NOUN issue-198 37 71 ; ; PUNCT issue-198 37 72 ‒ ‒ X issue-198 37 73 mortgage mortgage NOUN issue-198 37 74 contributes contribute VERB issue-198 37 75 to to ADP issue-198 37 76 the the DET issue-198 37 77 creation creation NOUN issue-198 37 78 of of ADP issue-198 37 79 fictitious fictitious ADJ issue-198 37 80 capital capital NOUN issue-198 37 81 through through ADP issue-198 37 82 the the DET issue-198 37 83 possibility possibility NOUN issue-198 37 84 of of ADP issue-198 37 85 issuing issue VERB issue-198 37 86 securities security NOUN issue-198 37 87 , , PUNCT issue-198 37 88 leading lead VERB issue-198 37 89 to to ADP issue-198 37 90 the the DET issue-198 37 91 increase increase NOUN issue-198 37 92 in in ADP issue-198 37 93 collateral collateral ADJ issue-198 37 94 working work VERB issue-198 37 95 capital capital NOUN issue-198 37 96 by by ADP issue-198 37 97 the the DET issue-198 37 98 value value NOUN issue-198 37 99 of of ADP issue-198 37 100 created create VERB issue-198 37 101 fictitious fictitious ADJ issue-198 37 102 capital capital NOUN issue-198 37 103 . . PUNCT issue-198 38 1 in in ADP issue-198 38 2 economic economic ADJ issue-198 38 3 terms term NOUN issue-198 38 4 , , PUNCT issue-198 38 5 the the DET issue-198 38 6 mortgage mortgage NOUN issue-198 38 7 is be AUX issue-198 38 8 a a DET issue-198 38 9 market market NOUN issue-198 38 10 instrument instrument NOUN issue-198 38 11 of of ADP issue-198 38 12 implementation implementation NOUN issue-198 38 13 of of ADP issue-198 38 14 property property NOUN issue-198 38 15 rights right NOUN issue-198 38 16 for for ADP issue-198 38 17 real real ADJ issue-198 38 18 estate estate NOUN issue-198 38 19 objects object NOUN issue-198 38 20 in in ADP issue-198 38 21 cases case NOUN issue-198 38 22 where where SCONJ issue-198 38 23 other other ADJ issue-198 38 24 forms form NOUN issue-198 38 25 of of ADP issue-198 38 26 alienation alienation NOUN issue-198 38 27 ( ( PUNCT issue-198 38 28 sale sale NOUN issue-198 38 29 , , PUNCT issue-198 38 30 exchange exchange NOUN issue-198 38 31 ) ) PUNCT issue-198 38 32 legally legally ADV issue-198 38 33 or or CCONJ issue-198 38 34 financially financially ADV issue-198 38 35 are be AUX issue-198 38 36 inexpedient inexpedient ADJ issue-198 38 37 that that PRON issue-198 38 38 allows allow VERB issue-198 38 39 raising raise VERB issue-198 38 40 additional additional ADJ issue-198 38 41 funds fund NOUN issue-198 38 42 for for ADP issue-198 38 43 various various ADJ issue-198 38 44 projects project NOUN issue-198 38 45 . . PUNCT issue-198 39 1 in in ADP issue-198 39 2 ukraine ukraine NOUN issue-198 39 3 , , PUNCT issue-198 39 4 mortgage mortgage NOUN issue-198 39 5 lending lending NOUN issue-198 39 6 is be AUX issue-198 39 7 regulated regulate VERB issue-198 39 8 by by ADP issue-198 39 9 a a DET issue-198 39 10 number number NOUN issue-198 39 11 of of ADP issue-198 39 12 regulations regulation NOUN issue-198 39 13 , , PUNCT issue-198 39 14 laws law NOUN issue-198 39 15 of of ADP issue-198 39 16 ukraine ukraine NOUN issue-198 39 17 “ " PUNCT issue-198 39 18 on on ADP issue-198 39 19 the the DET issue-198 39 20 national national PROPN issue-198 39 21 bank bank PROPN issue-198 39 22 of of ADP issue-198 39 23 ukraine ukraine PROPN issue-198 39 24 ” " PUNCT issue-198 39 25 , , PUNCT issue-198 39 26 “ " PUNCT issue-198 39 27 on on ADP issue-198 39 28 banks bank NOUN issue-198 39 29 and and CCONJ issue-198 39 30 banking banking NOUN issue-198 39 31 activity activity NOUN issue-198 39 32 ” " PUNCT issue-198 39 33 , , PUNCT issue-198 39 34 “ " PUNCT issue-198 39 35 on on ADP issue-198 39 36 investment investment NOUN issue-198 39 37 activity activity NOUN issue-198 39 38 ” " PUNCT issue-198 39 39 , , PUNCT issue-198 39 40 “ " PUNCT issue-198 39 41 on on ADP issue-198 39 42 financial financial ADJ issue-198 39 43 and and CCONJ issue-198 39 44 credit credit NOUN issue-198 39 45 mechanisms mechanism NOUN issue-198 39 46 and and CCONJ issue-198 39 47 management management NOUN issue-198 39 48 of of ADP issue-198 39 49 property property NOUN issue-198 39 50 at at ADP issue-198 39 51 housing housing NOUN issue-198 39 52 construction construction NOUN issue-198 39 53 and and CCONJ issue-198 39 54 real real ADJ issue-198 39 55 estate estate NOUN issue-198 39 56 transactions transaction NOUN issue-198 39 57 ” " PUNCT issue-198 39 58 , , PUNCT issue-198 39 59 “ " PUNCT issue-198 39 60 on on ADP issue-198 39 61 restoring restore VERB issue-198 39 62 debtor debtor NOUN issue-198 39 63 ’s ’s PART issue-198 39 64 solvency solvency NOUN issue-198 39 65 or or CCONJ issue-198 39 66 declaring declare VERB issue-198 39 67 it it PRON issue-198 39 68 bankrupt bankrupt ADJ issue-198 39 69 ” " PUNCT issue-198 39 70 , , PUNCT issue-198 39 71 “ " PUNCT issue-198 39 72 on on ADP issue-198 39 73 mortgage mortgage NOUN issue-198 39 74 ” " PUNCT issue-198 39 75 , , PUNCT issue-198 39 76 “ " PUNCT issue-198 39 77 on on ADP issue-198 39 78 pledge pledge NOUN issue-198 39 79 ” " PUNCT issue-198 39 80 , , PUNCT issue-198 39 81 as as ADV issue-198 39 82 well well ADV issue-198 39 83 as as ADP issue-198 39 84 by by ADP issue-198 39 85 housing housing NOUN issue-198 39 86 , , PUNCT issue-198 39 87 civil civil ADJ issue-198 39 88 and and CCONJ issue-198 39 89 land land NOUN issue-198 39 90 codes code NOUN issue-198 39 91 , , PUNCT issue-198 39 92 and and CCONJ issue-198 39 93 more more ADJ issue-198 39 94 . . PUNCT issue-198 40 1 although although SCONJ issue-198 40 2 the the DET issue-198 40 3 concept concept NOUN issue-198 40 4 of of ADP issue-198 40 5 “ " PUNCT issue-198 40 6 mortgage mortgage NOUN issue-198 40 7 ” " PUNCT issue-198 40 8 and and CCONJ issue-198 40 9 “ " PUNCT issue-198 40 10 mortgage mortgage NOUN issue-198 40 11 lending lending NOUN issue-198 40 12 ” " PUNCT issue-198 40 13 in in ADP issue-198 40 14 the the DET issue-198 40 15 national national ADJ issue-198 40 16 and and CCONJ issue-198 40 17 foreign foreign ADJ issue-198 40 18 literature literature NOUN issue-198 40 19 is be AUX issue-198 40 20 thoroughly thoroughly ADV issue-198 40 21 researched research VERB issue-198 40 22 and and CCONJ issue-198 40 23 widely widely ADV issue-198 40 24 used use VERB issue-198 40 25 in in ADP issue-198 40 26 practice practice NOUN issue-198 40 27 , , PUNCT issue-198 40 28 the the DET issue-198 40 29 study study NOUN issue-198 40 30 of of ADP issue-198 40 31 theoretical theoretical ADJ issue-198 40 32 and and CCONJ issue-198 40 33 practical practical ADJ issue-198 40 34 aspects aspect NOUN issue-198 40 35 of of ADP issue-198 40 36 mortgage mortgage NOUN issue-198 40 37 housing housing NOUN issue-198 40 38 is be AUX issue-198 40 39 omitted omit VERB issue-198 40 40 . . PUNCT issue-198 41 1 furthermore furthermore ADV issue-198 41 2 , , PUNCT issue-198 41 3 some some DET issue-198 41 4 scientists scientist NOUN issue-198 41 5 have have AUX issue-198 41 6 questioned question VERB issue-198 41 7 the the DET issue-198 41 8 existence existence NOUN issue-198 41 9 of of ADP issue-198 41 10 this this DET issue-198 41 11 type type NOUN issue-198 41 12 of of ADP issue-198 41 13 loan loan NOUN issue-198 41 14 , , PUNCT issue-198 41 15 namely namely ADV issue-198 41 16 mortgage mortgage NOUN issue-198 41 17 construction construction NOUN issue-198 41 18 loan loan NOUN issue-198 41 19 , , PUNCT issue-198 41 20 determining determine VERB issue-198 41 21 mortgage mortgage NOUN issue-198 41 22 and and CCONJ issue-198 41 23 construction construction NOUN issue-198 41 24 loans loan NOUN issue-198 41 25 as as ADP issue-198 41 26 a a DET issue-198 41 27 “ " PUNCT issue-198 41 28 completely completely ADV issue-198 41 29 different different ADJ issue-198 41 30 types type NOUN issue-198 41 31 of of ADP issue-198 41 32 credit credit NOUN issue-198 41 33 ” " PUNCT issue-198 41 34 . . PUNCT issue-198 42 1 while while SCONJ issue-198 42 2 other other ADJ issue-198 42 3 scientists scientist NOUN issue-198 42 4 attribute attribute VERB issue-198 42 5 credit credit NOUN issue-198 42 6 for for ADP issue-198 42 7 the the DET issue-198 42 8 construction construction NOUN issue-198 42 9 using use VERB issue-198 42 10 a a DET issue-198 42 11 mortgage mortgage NOUN issue-198 42 12 as as ADP issue-198 42 13 collateral collateral NOUN issue-198 42 14 for for ADP issue-198 42 15 the the DET issue-198 42 16 borrowed borrow VERB issue-198 42 17 funds fund NOUN issue-198 42 18 to to ADP issue-198 42 19 the the DET issue-198 42 20 mortgage mortgage NOUN issue-198 42 21 . . PUNCT issue-198 43 1 national national PROPN issue-198 43 2 bank bank PROPN issue-198 43 3 of of ADP issue-198 43 4 ukraine ukraine PROPN issue-198 43 5 interprets interpret VERB issue-198 43 6 residential residential ADJ issue-198 43 7 mortgage mortgage NOUN issue-198 43 8 loan loan NOUN issue-198 43 9 as as ADP issue-198 43 10 a a DET issue-198 43 11 long long ADJ issue-198 43 12 - - PUNCT issue-198 43 13 term term NOUN issue-198 43 14 loan loan NOUN issue-198 43 15 provided provide VERB issue-198 43 16 by by ADP issue-198 43 17 individuals individual NOUN issue-198 43 18 , , PUNCT issue-198 43 19 partnerships partnership NOUN issue-198 43 20 owners owner NOUN issue-198 43 21 of of ADP issue-198 43 22 apartments apartment NOUN issue-198 43 23 or or CCONJ issue-198 43 24 housing housing NOUN issue-198 43 25 cooperatives cooperative NOUN issue-198 43 26 for for ADP issue-198 43 27 financing financing NOUN issue-198 43 28 costs cost NOUN issue-198 43 29 associated associate VERB issue-198 43 30 with with ADP issue-198 43 31 the the DET issue-198 43 32 construction construction NOUN issue-198 43 33 or or CCONJ issue-198 43 34 purchase purchase NOUN issue-198 43 35 of of ADP issue-198 43 36 an an DET issue-198 43 37 apartment apartment NOUN issue-198 43 38 or or CCONJ issue-198 43 39 dwelling dwelling ADJ issue-198 43 40 house house NOUN issue-198 43 41 ( ( PUNCT issue-198 43 42 including include VERB issue-198 43 43 land land NOUN issue-198 43 44 under under ADP issue-198 43 45 this this DET issue-198 43 46 apartment apartment NOUN issue-198 43 47 building building NOUN issue-198 43 48 or or CCONJ issue-198 43 49 infield infield NOUN issue-198 43 50 ) ) PUNCT issue-198 43 51 , , PUNCT issue-198 43 52 which which PRON issue-198 43 53 are be AUX issue-198 43 54 provided provide VERB issue-198 43 55 in in ADP issue-198 43 56 the the DET issue-198 43 57 property property NOUN issue-198 43 58 of of ADP issue-198 43 59 lender lender NOUN issue-198 43 60 by by ADP issue-198 43 61 the the DET issue-198 43 62 borrower borrower NOUN issue-198 43 63 ’s ’s PART issue-198 43 64 acceptance acceptance NOUN issue-198 43 65 of of ADP issue-198 43 66 such such ADJ issue-198 43 67 housing housing NOUN issue-198 43 68 ( ( PUNCT issue-198 43 69 land land NOUN issue-198 43 70 under under ADP issue-198 43 71 it it PRON issue-198 43 72 , , PUNCT issue-198 43 73 or or CCONJ issue-198 43 74 infield infield NOUN issue-198 43 75 ) ) PUNCT issue-198 43 76 in in ADP issue-198 43 77 bail bail NOUN issue-198 43 78 . . PUNCT issue-198 44 1 thus thus ADV issue-198 44 2 , , PUNCT issue-198 44 3 the the DET issue-198 44 4 national national PROPN issue-198 44 5 bank bank PROPN issue-198 44 6 of of ADP issue-198 44 7 ukraine ukraine PROPN issue-198 44 8 refers refer VERB issue-198 44 9 mortgage mortgage NOUN issue-198 44 10 construction construction NOUN issue-198 44 11 loan loan NOUN issue-198 44 12 to to ADP issue-198 44 13 housing housing NOUN issue-198 44 14 mortgage mortgage NOUN issue-198 44 15 credit credit NOUN issue-198 44 16 . . PUNCT issue-198 45 1 3 3 X issue-198 45 2 . . X issue-198 45 3 research research NOUN issue-198 45 4 results result VERB issue-198 45 5 the the DET issue-198 45 6 state state NOUN issue-198 45 7 of of ADP issue-198 45 8 the the DET issue-198 45 9 mortgage mortgage NOUN issue-198 45 10 market market NOUN issue-198 45 11 is be AUX issue-198 45 12 significantly significantly ADV issue-198 45 13 affected affect VERB issue-198 45 14 by by ADP issue-198 45 15 trends trend NOUN issue-198 45 16 in in ADP issue-198 45 17 real real ADJ issue-198 45 18 estate estate NOUN issue-198 45 19 market market NOUN issue-198 45 20 , , PUNCT issue-198 45 21 in in ADP issue-198 45 22 particular particular ADJ issue-198 45 23 , , PUNCT issue-198 45 24 by by ADP issue-198 45 25 that that DET issue-198 45 26 part part NOUN issue-198 45 27 of of ADP issue-198 45 28 the the DET issue-198 45 29 market market NOUN issue-198 45 30 , , PUNCT issue-198 45 31 where where SCONJ issue-198 45 32 a a DET issue-198 45 33 supply supply NOUN issue-198 45 34 and and CCONJ issue-198 45 35 demand demand NOUN issue-198 45 36 are be AUX issue-198 45 37 formed form VERB issue-198 45 38 for for ADP issue-198 45 39 real real ADJ issue-198 45 40 estate estate NOUN issue-198 45 41 , , PUNCT issue-198 45 42 which which PRON issue-198 45 43 can can AUX issue-198 45 44 be be AUX issue-198 45 45 used use VERB issue-198 45 46 as as ADP issue-198 45 47 collateral collateral NOUN issue-198 45 48 for for ADP issue-198 45 49 mortgage mortgage NOUN issue-198 45 50 lending lending NOUN issue-198 45 51 . . PUNCT issue-198 46 1 mortgage mortgage NOUN issue-198 46 2 lending lending NOUN issue-198 46 3 has have VERB issue-198 46 4 an an DET issue-198 46 5 influence influence NOUN issue-198 46 6 on on ADP issue-198 46 7 the the DET issue-198 46 8 growth growth NOUN issue-198 46 9 of of ADP issue-198 46 10 investment investment NOUN issue-198 46 11 in in ADP issue-198 46 12 construction construction NOUN issue-198 46 13 . . PUNCT issue-198 47 1 proof proof NOUN issue-198 47 2 of of ADP issue-198 47 3 this this PRON issue-198 47 4 is be AUX issue-198 47 5 the the DET issue-198 47 6 dynamics dynamic NOUN issue-198 47 7 of of ADP issue-198 47 8 capital capital NOUN issue-198 47 9 investment investment NOUN issue-198 47 10 through through ADP issue-198 47 11 bank bank NOUN issue-198 47 12 loans loan NOUN issue-198 47 13 and and CCONJ issue-198 47 14 other other ADJ issue-198 47 15 loans loan NOUN issue-198 47 16 . . PUNCT issue-198 48 1 showed show VERB issue-198 48 2 that that SCONJ issue-198 48 3 bank bank NOUN issue-198 48 4 loans loan NOUN issue-198 48 5 as as ADP issue-198 48 6 a a DET issue-198 48 7 source source NOUN issue-198 48 8 of of ADP issue-198 48 9 investment investment NOUN issue-198 48 10 capital capital NOUN issue-198 48 11 make make VERB issue-198 48 12 up up ADP issue-198 48 13 about about ADP issue-198 48 14 12–15 12–15 NUM issue-198 48 15 % % NOUN issue-198 48 16 , , PUNCT issue-198 48 17 and and CCONJ issue-198 48 18 their their PRON issue-198 48 19 volume volume NOUN issue-198 48 20 unevenly unevenly ADV issue-198 48 21 fluctuated fluctuate VERB issue-198 48 22 over over ADP issue-198 48 23 the the DET issue-198 48 24 period period NOUN issue-198 48 25 . . PUNCT issue-198 49 1 the the DET issue-198 49 2 largest large ADJ issue-198 49 3 share share NOUN issue-198 49 4 of of ADP issue-198 49 5 bank bank NOUN issue-198 49 6 loans loan NOUN issue-198 49 7 was be AUX issue-198 49 8 observed observe VERB issue-198 49 9 in in ADP issue-198 49 10 2008 2008 NUM issue-198 49 11     SPACE issue-198 49 12 – – PUNCT issue-198 49 13 15.8 15.8 NUM issue-198 49 14 % % NOUN issue-198 49 15 , , PUNCT issue-198 49 16 and and CCONJ issue-198 49 17 the the DET issue-198 49 18 lowest low ADJ issue-198 49 19 in in ADP issue-198 49 20 2015 2015 NUM issue-198 49 21     SPACE issue-198 49 22 – – PUNCT issue-198 49 23 7.3 7.3 NUM issue-198 49 24 % % NOUN issue-198 49 25 , , PUNCT issue-198 49 26 and and CCONJ issue-198 49 27 since since SCONJ issue-198 49 28 2008 2008 NUM issue-198 49 29 there there PRON issue-198 49 30 is be VERB issue-198 49 31 the the DET issue-198 49 32 gradual gradual ADJ issue-198 49 33 decline decline NOUN issue-198 49 34 in in ADP issue-198 49 35 the the DET issue-198 49 36 share share NOUN issue-198 49 37 of of ADP issue-198 49 38 bank bank NOUN issue-198 49 39 loans loan NOUN issue-198 49 40 in in ADP issue-198 49 41 financing finance VERB issue-198 49 42 capital capital NOUN issue-198 49 43 investments investment NOUN issue-198 49 44 . . PUNCT issue-198 50 1 it it PRON issue-198 50 2 should should AUX issue-198 50 3 be be AUX issue-198 50 4 noted note VERB issue-198 50 5 that that SCONJ issue-198 50 6 the the DET issue-198 50 7 mechanisms mechanism NOUN issue-198 50 8 of of ADP issue-198 50 9 construction construction NOUN issue-198 50 10 financing financing NOUN issue-198 50 11 through through ADP issue-198 50 12 mortgages mortgage NOUN issue-198 50 13 exist exist VERB issue-198 50 14 in in ADP issue-198 50 15 many many ADJ issue-198 50 16 countries country NOUN issue-198 50 17 . . PUNCT issue-198 51 1 banks bank NOUN issue-198 51 2 lend lend VERB issue-198 51 3 to to ADP issue-198 51 4 both both DET issue-198 51 5 end end NOUN issue-198 51 6 - - PUNCT issue-198 51 7 users user NOUN issue-198 51 8     SPACE issue-198 51 9 – – PUNCT issue-198 51 10 citizens citizen NOUN issue-198 51 11 , , PUNCT issue-198 51 12 and and CCONJ issue-198 51 13 producers producer NOUN issue-198 51 14     SPACE issue-198 51 15 – – PUNCT issue-198 51 16 builders builder NOUN issue-198 51 17 . . PUNCT issue-198 52 1 this this PRON issue-198 52 2 is be AUX issue-198 52 3 due due ADJ issue-198 52 4 to to ADP issue-198 52 5 the the DET issue-198 52 6 fact fact NOUN issue-198 52 7 that that SCONJ issue-198 52 8 mortgage mortgage NOUN issue-198 52 9 lending lending NOUN issue-198 52 10 to to ADP issue-198 52 11 construction construction NOUN issue-198 52 12 is be AUX issue-198 52 13 very very ADV issue-198 52 14 effectively effectively ADV issue-198 52 15 combined combine VERB issue-198 52 16 with with ADP issue-198 52 17 classical classical ADJ issue-198 52 18 mortgage mortgage NOUN issue-198 52 19 lending lending NOUN issue-198 52 20 to to ADP issue-198 52 21 individuals individual NOUN issue-198 52 22     SPACE issue-198 52 23 – – PUNCT issue-198 52 24 buyers buyer NOUN issue-198 52 25 . . PUNCT issue-198 53 1 obtained obtain VERB issue-198 53 2 loans loan NOUN issue-198 53 3 and and CCONJ issue-198 53 4 own own ADJ issue-198 53 5 funds fund NOUN issue-198 53 6 of of ADP issue-198 53 7 citizens citizen NOUN issue-198 53 8 are be AUX issue-198 53 9 used use VERB issue-198 53 10 to to PART issue-198 53 11 pay pay VERB issue-198 53 12 the the DET issue-198 53 13 cost cost NOUN issue-198 53 14 of of ADP issue-198 53 15 purchased purchase VERB issue-198 53 16 apartments apartment NOUN issue-198 53 17 , , PUNCT issue-198 53 18 and and CCONJ issue-198 53 19 the the DET issue-198 53 20 developer developer NOUN issue-198 53 21 is be AUX issue-198 53 22 able able ADJ issue-198 53 23 to to PART issue-198 53 24 repay repay VERB issue-198 53 25 the the DET issue-198 53 26 earlier early ADJ issue-198 53 27 loan loan NOUN issue-198 53 28 . . PUNCT issue-198 54 1 the the DET issue-198 54 2 main main ADJ issue-198 54 3 macroeconomic macroeconomic ADJ issue-198 54 4 factors factor NOUN issue-198 54 5 of of ADP issue-198 54 6 the the DET issue-198 54 7 depressed depressed ADJ issue-198 54 8 mortgage mortgage NOUN issue-198 54 9 market market NOUN issue-198 54 10 are be AUX issue-198 54 11 the the DET issue-198 54 12 sharp sharp ADJ issue-198 54 13 deterioration deterioration NOUN issue-198 54 14 of of ADP issue-198 54 15 the the DET issue-198 54 16 banking banking NOUN issue-198 54 17 system system NOUN issue-198 54 18 , , PUNCT issue-198 54 19 in in ADP issue-198 54 20 particular particular ADJ issue-198 54 21 , , PUNCT issue-198 54 22 the the DET issue-198 54 23 fall fall NOUN issue-198 54 24 in in ADP issue-198 54 25 loans loan NOUN issue-198 54 26 to to ADP issue-198 54 27 the the DET issue-198 54 28 economy economy NOUN issue-198 54 29 , , PUNCT issue-198 54 30 the the DET issue-198 54 31 rising rise VERB issue-198 54 32 cost cost NOUN issue-198 54 33 of of ADP issue-198 54 34 deposits deposit NOUN issue-198 54 35 falling fall VERB issue-198 54 36 of of ADP issue-198 54 37 bank bank NOUN issue-198 54 38 capital capital NOUN issue-198 54 39 , , PUNCT issue-198 54 40 income income NOUN issue-198 54 41 , , PUNCT issue-198 54 42 and and CCONJ issue-198 54 43 gdp gdp NOUN issue-198 54 44 . . PUNCT issue-198 55 1 since since SCONJ issue-198 55 2 one one NUM issue-198 55 3 of of ADP issue-198 55 4 the the DET issue-198 55 5 main main ADJ issue-198 55 6 indicators indicator NOUN issue-198 55 7 of of ADP issue-198 55 8 economic economic ADJ issue-198 55 9 development development NOUN issue-198 55 10 is be AUX issue-198 55 11 the the DET issue-198 55 12 growth growth NOUN issue-198 55 13 rate rate NOUN issue-198 55 14 of of ADP issue-198 55 15 gdp gdp NOUN issue-198 55 16 and and CCONJ issue-198 55 17 its its PRON issue-198 55 18 volume volume NOUN issue-198 55 19 , , PUNCT issue-198 55 20 then then ADV issue-198 55 21 an an DET issue-198 55 22 assessment assessment NOUN issue-198 55 23 of of ADP issue-198 55 24 the the DET issue-198 55 25 level level NOUN issue-198 55 26 of of ADP issue-198 55 27 mortgage mortgage NOUN issue-198 55 28 lending lending NOUN issue-198 55 29 is be AUX issue-198 55 30 expedient expedient ADJ issue-198 55 31 in in ADP issue-198 55 32 terms term NOUN issue-198 55 33 of of ADP issue-198 55 34 mortgage mortgage NOUN issue-198 55 35 portfolio portfolio NOUN issue-198 55 36 related relate VERB issue-198 55 37 to to ADP issue-198 55 38 gdp gdp PROPN issue-198 55 39 . . PROPN issue-198 56 1 baltic baltic PROPN issue-198 56 2 journal journal PROPN issue-198 56 3 of of ADP issue-198 56 4 economic economic ADJ issue-198 56 5 studies study NOUN issue-198 56 6 61 61 NUM issue-198 56 7 vol vol NOUN issue-198 56 8 . . PUNCT issue-198 57 1 3 3 NUM issue-198 57 2 , , PUNCT issue-198 57 3 no no INTJ issue-198 57 4 . . NOUN issue-198 57 5 3 3 NUM issue-198 57 6 , , PUNCT issue-198 57 7 2017 2017 NUM issue-198 57 8 in in ADP issue-198 57 9 2006 2006 NUM issue-198 57 10 in in ADP issue-198 57 11 ukraine ukraine PROPN issue-198 57 12 , , PUNCT issue-198 57 13 the the DET issue-198 57 14 share share NOUN issue-198 57 15 of of ADP issue-198 57 16 mortgage mortgage NOUN issue-198 57 17 loans loan NOUN issue-198 57 18 to to ADP issue-198 57 19 gdp gdp NOUN issue-198 57 20 was be AUX issue-198 57 21 1.9 1.9 NUM issue-198 57 22 % % NOUN issue-198 57 23 , , PUNCT issue-198 57 24 in in ADP issue-198 57 25 2012 2012 NUM issue-198 57 26     SPACE issue-198 57 27 – – PUNCT issue-198 57 28 7.9 7.9 NUM issue-198 57 29 % % NOUN issue-198 57 30 , , PUNCT issue-198 57 31 by by ADP issue-198 57 32 the the DET issue-198 57 33 end end NOUN issue-198 57 34 of of ADP issue-198 57 35 2015 2015 NUM issue-198 57 36     SPACE issue-198 57 37 – – PUNCT issue-198 57 38 6.1 6.1 NUM issue-198 57 39 % % NOUN issue-198 57 40 , , PUNCT issue-198 57 41 characterizing characterize VERB issue-198 57 42 the the DET issue-198 57 43 ukrainian ukrainian ADJ issue-198 57 44 mortgage mortgage NOUN issue-198 57 45 market market NOUN issue-198 57 46 as as ADV issue-198 57 47 underdeveloped underdeveloped ADJ issue-198 57 48 . . PUNCT issue-198 58 1 instead instead ADV issue-198 58 2 , , PUNCT issue-198 58 3 the the DET issue-198 58 4 volume volume NOUN issue-198 58 5 of of ADP issue-198 58 6 mortgage mortgage NOUN issue-198 58 7 loans loan NOUN issue-198 58 8 in in ADP issue-198 58 9 the the DET issue-198 58 10 us us PROPN issue-198 58 11 and and CCONJ issue-198 58 12 in in ADP issue-198 58 13 the the DET issue-198 58 14 eu eu PROPN issue-198 58 15 is be AUX issue-198 58 16 almost almost ADV issue-198 58 17 50 50 NUM issue-198 58 18 % % NOUN issue-198 58 19 of of ADP issue-198 58 20 gdp gdp NOUN issue-198 58 21 , , PUNCT issue-198 58 22 in in ADP issue-198 58 23 the the DET issue-198 58 24 uk uk PROPN issue-198 58 25     SPACE issue-198 58 26 – – PUNCT issue-198 58 27 60 60 NUM issue-198 58 28 % % NOUN issue-198 58 29 , , PUNCT issue-198 58 30 in in ADP issue-198 58 31 the the DET issue-198 58 32 netherlands netherlands PROPN issue-198 58 33 and and CCONJ issue-198 58 34 denmark denmark PROPN issue-198 58 35     SPACE issue-198 58 36 – – PUNCT issue-198 58 37 70 70 NUM issue-198 58 38 % % NOUN issue-198 58 39 . . PUNCT issue-198 59 1 this this PRON issue-198 59 2 is be AUX issue-198 59 3 due due ADJ issue-198 59 4 to to ADP issue-198 59 5 the the DET issue-198 59 6 fact fact NOUN issue-198 59 7 that that SCONJ issue-198 59 8 conditions condition NOUN issue-198 59 9 for for ADP issue-198 59 10 mortgage mortgage NOUN issue-198 59 11 lending lending NOUN issue-198 59 12 in in ADP issue-198 59 13 these these DET issue-198 59 14 countries country NOUN issue-198 59 15 are be AUX issue-198 59 16 very very ADV issue-198 59 17 favourable favourable ADJ issue-198 59 18 : : PUNCT issue-198 59 19 interest interest NOUN issue-198 59 20 rates rate NOUN issue-198 59 21 on on ADP issue-198 59 22 mortgages mortgage NOUN issue-198 59 23 in in ADP issue-198 59 24 these these DET issue-198 59 25 countries country NOUN issue-198 59 26 are be AUX issue-198 59 27 3.5 3.5 NUM issue-198 59 28 - - SYM issue-198 59 29 3.75 3.75 NUM issue-198 59 30 % % NOUN issue-198 59 31 , , PUNCT issue-198 59 32 which which PRON issue-198 59 33 is be AUX issue-198 59 34 comparable comparable ADJ issue-198 59 35 to to ADP issue-198 59 36 the the DET issue-198 59 37 rate rate NOUN issue-198 59 38 of of ADP issue-198 59 39 price price NOUN issue-198 59 40 increases increase NOUN issue-198 59 41 , , PUNCT issue-198 59 42 and and CCONJ issue-198 59 43 practically practically ADV issue-198 59 44 zero zero NUM issue-198 59 45 real real ADJ issue-198 59 46 interest interest NOUN issue-198 59 47 rates rate NOUN issue-198 59 48 mortgage mortgage NOUN issue-198 59 49 makes make VERB issue-198 59 50 it it PRON issue-198 59 51 extremely extremely ADV issue-198 59 52 attractive attractive ADJ issue-198 59 53 . . PUNCT issue-198 60 1 during during ADP issue-198 60 2 the the DET issue-198 60 3 2013–2016 2013–2016 NUM issue-198 60 4 years year NOUN issue-198 60 5 in in ADP issue-198 60 6 ukraine ukraine NOUN issue-198 60 7 , , PUNCT issue-198 60 8 the the DET issue-198 60 9 state state NOUN issue-198 60 10 of of ADP issue-198 60 11 mortgage mortgage NOUN issue-198 60 12 lending lending NOUN issue-198 60 13 is be AUX issue-198 60 14 characterized characterize VERB issue-198 60 15 by by ADP issue-198 60 16 decreased decrease VERB issue-198 60 17 growth growth NOUN issue-198 60 18 rates rate NOUN issue-198 60 19 of of ADP issue-198 60 20 loans loan NOUN issue-198 60 21 , , PUNCT issue-198 60 22 rising rise VERB issue-198 60 23 interest interest NOUN issue-198 60 24 rates rate NOUN issue-198 60 25 , , PUNCT issue-198 60 26 a a DET issue-198 60 27 reduction reduction NOUN issue-198 60 28 in in ADP issue-198 60 29 the the DET issue-198 60 30 term term NOUN issue-198 60 31 loans loan NOUN issue-198 60 32 and and CCONJ issue-198 60 33 the the DET issue-198 60 34 number number NOUN issue-198 60 35 of of ADP issue-198 60 36 banks bank NOUN issue-198 60 37 offering offer VERB issue-198 60 38 mortgages mortgage NOUN issue-198 60 39 . . PUNCT issue-198 61 1 because because SCONJ issue-198 61 2 of of ADP issue-198 61 3 too too ADV issue-198 61 4 high high ADJ issue-198 61 5 interest interest NOUN issue-198 61 6 rates rate NOUN issue-198 61 7 , , PUNCT issue-198 61 8 ukraine ukraine PROPN issue-198 61 9 has have VERB issue-198 61 10 very very ADV issue-198 61 11 significant significant ADJ issue-198 61 12 potential potential ADJ issue-198 61 13 demand demand NOUN issue-198 61 14 for for ADP issue-198 61 15 housing housing NOUN issue-198 61 16 , , PUNCT issue-198 61 17 which which PRON issue-198 61 18 is be AUX issue-198 61 19 sensitive sensitive ADJ issue-198 61 20 both both PRON issue-198 61 21 to to ADP issue-198 61 22 changes change NOUN issue-198 61 23 in in ADP issue-198 61 24 house house NOUN issue-198 61 25 prices price NOUN issue-198 61 26 and and CCONJ issue-198 61 27 financing financing NOUN issue-198 61 28 terms term NOUN issue-198 61 29 . . PUNCT issue-198 62 1 bank bank NOUN issue-198 62 2 claims claim NOUN issue-198 62 3 to to ADP issue-198 62 4 customers customer NOUN issue-198 62 5 are be AUX issue-198 62 6 rather rather ADV issue-198 62 7 rigid rigid ADJ issue-198 62 8 : : PUNCT issue-198 62 9 the the DET issue-198 62 10 presence presence NOUN issue-198 62 11 of of ADP issue-198 62 12 official official ADJ issue-198 62 13 income income NOUN issue-198 62 14 sufficient sufficient ADJ issue-198 62 15 to to PART issue-198 62 16 repay repay VERB issue-198 62 17 the the DET issue-198 62 18 loan loan NOUN issue-198 62 19 , , PUNCT issue-198 62 20 a a DET issue-198 62 21 good good ADJ issue-198 62 22 credit credit NOUN issue-198 62 23 history history NOUN issue-198 62 24 . . PUNCT issue-198 63 1 according accord VERB issue-198 63 2 to to ADP issue-198 63 3 statistics statistic NOUN issue-198 63 4 from from ADP issue-198 63 5 the the DET issue-198 63 6 national national PROPN issue-198 63 7 bank bank PROPN issue-198 63 8 of of ADP issue-198 63 9 ukraine ukraine PROPN issue-198 63 10 , , PUNCT issue-198 63 11 during during ADP issue-198 63 12 2007 2007 NUM issue-198 63 13 , , PUNCT issue-198 63 14 there there PRON issue-198 63 15 were be VERB issue-198 63 16 fluctuations fluctuation NOUN issue-198 63 17 in in ADP issue-198 63 18 the the DET issue-198 63 19 value value NOUN issue-198 63 20 of of ADP issue-198 63 21 mortgage mortgage NOUN issue-198 63 22 loans loan NOUN issue-198 63 23 : : PUNCT issue-198 63 24 loans loan NOUN issue-198 63 25 in in ADP issue-198 63 26 national national ADJ issue-198 63 27 currency currency NOUN issue-198 63 28 increased increase VERB issue-198 63 29     SPACE issue-198 63 30 – – PUNCT issue-198 63 31 by by ADP issue-198 63 32 12 12 NUM issue-198 63 33 percentage percentage NOUN issue-198 63 34 points point NOUN issue-198 63 35 ( ( PUNCT issue-198 63 36 p.p p.p PROPN issue-198 63 37 . . PUNCT issue-198 63 38 ) ) PUNCT issue-198 63 39 compared compare VERB issue-198 63 40 to to ADP issue-198 63 41 2006 2006 NUM issue-198 63 42 , , PUNCT issue-198 63 43 while while SCONJ issue-198 63 44 loans loan NOUN issue-198 63 45 in in ADP issue-198 63 46 usd usd NOUN issue-198 63 47 and and CCONJ issue-198 63 48 eur eur NOUN issue-198 63 49 fell fall VERB issue-198 63 50 by by ADP issue-198 63 51 10.8 10.8 NUM issue-198 63 52 p.p p.p PROPN issue-198 63 53 . . PROPN issue-198 63 54 and and CCONJ issue-198 63 55 1.8 1.8 NUM issue-198 63 56 p.p p.p NOUN issue-198 63 57 . . PROPN issue-198 63 58 respectively respectively ADV issue-198 63 59 . . PUNCT issue-198 64 1 in in ADP issue-198 64 2 2008 2008 NUM issue-198 64 3 compared compare VERB issue-198 64 4 to to ADP issue-198 64 5 the the DET issue-198 64 6 previous previous ADJ issue-198 64 7 2007 2007 NUM issue-198 64 8 , , PUNCT issue-198 64 9 mortgage mortgage NOUN issue-198 64 10 loans loan NOUN issue-198 64 11 in in ADP issue-198 64 12 the the DET issue-198 64 13 national national ADJ issue-198 64 14 currency currency NOUN issue-198 64 15 have have AUX issue-198 64 16 been be AUX issue-198 64 17 decreased decrease VERB issue-198 64 18     SPACE issue-198 64 19 – – PUNCT issue-198 64 20 7.3 7.3 NUM issue-198 64 21     SPACE issue-198 64 22 p.p p.p PROPN issue-198 64 23 . . PROPN issue-198 64 24 and and CCONJ issue-198 64 25 loans loan NOUN issue-198 64 26 in in ADP issue-198 64 27 us us PROPN issue-198 64 28 dollars dollar NOUN issue-198 64 29 increased increase VERB issue-198 64 30     SPACE issue-198 64 31 – – PUNCT issue-198 64 32 7.7 7.7 NUM issue-198 64 33 p.p p.p PROPN issue-198 64 34 . . PROPN issue-198 64 35 , , PUNCT issue-198 64 36 for for ADP issue-198 64 37 loans loan NOUN issue-198 64 38 in in ADP issue-198 64 39 euro euro NOUN issue-198 64 40 , , PUNCT issue-198 64 41 significant significant ADJ issue-198 64 42 changes change NOUN issue-198 64 43 have have AUX issue-198 64 44 not not PART issue-198 64 45 occurred occur VERB issue-198 64 46 . . PUNCT issue-198 65 1 during during ADP issue-198 65 2 2009–2012 2009–2012 NUM issue-198 65 3 , , PUNCT issue-198 65 4 a a DET issue-198 65 5 gradual gradual ADJ issue-198 65 6 increase increase NOUN issue-198 65 7 in in ADP issue-198 65 8 mortgage mortgage NOUN issue-198 65 9 loans loan NOUN issue-198 65 10 in in ADP issue-198 65 11 local local ADJ issue-198 65 12 currency currency NOUN issue-198 65 13 can can AUX issue-198 65 14 be be AUX issue-198 65 15 observed observe VERB issue-198 65 16 and and CCONJ issue-198 65 17 a a DET issue-198 65 18 simultaneous simultaneous ADJ issue-198 65 19 decrease decrease NOUN issue-198 65 20 in in ADP issue-198 65 21 the the DET issue-198 65 22 us us PROPN issue-198 65 23 dollars dollar NOUN issue-198 65 24 . . PUNCT issue-198 66 1 already already ADV issue-198 66 2 in in ADP issue-198 66 3 2013 2013 NUM issue-198 66 4 , , PUNCT issue-198 66 5 their their PRON issue-198 66 6 share share NOUN issue-198 66 7 in in ADP issue-198 66 8 total total ADJ issue-198 66 9 mortgage mortgage NOUN issue-198 66 10 loans loan NOUN issue-198 66 11 was be AUX issue-198 66 12 almost almost ADV issue-198 66 13 equal equal ADJ issue-198 66 14 and and CCONJ issue-198 66 15 amounted amount VERB issue-198 66 16 to to ADP issue-198 66 17 47.1 47.1 NUM issue-198 66 18 % % NOUN issue-198 66 19     SPACE issue-198 66 20 – – PUNCT issue-198 66 21 in in ADP issue-198 66 22 local local ADJ issue-198 66 23 currency currency NOUN issue-198 66 24 and and CCONJ issue-198 66 25 47.1 47.1 NUM issue-198 66 26     SPACE issue-198 66 27 – – PUNCT issue-198 66 28 in in ADP issue-198 66 29 us us PROPN issue-198 66 30 dollars dollar NOUN issue-198 66 31 . . PUNCT issue-198 67 1 during during ADP issue-198 67 2 2014–2015 2014–2015 NUM issue-198 67 3 , , PUNCT issue-198 67 4 the the DET issue-198 67 5 situation situation NOUN issue-198 67 6 has have AUX issue-198 67 7 changed change VERB issue-198 67 8 , , PUNCT issue-198 67 9 so so SCONJ issue-198 67 10 that that SCONJ issue-198 67 11 the the DET issue-198 67 12 loans loan NOUN issue-198 67 13 in in ADP issue-198 67 14 national national ADJ issue-198 67 15 currency currency NOUN issue-198 67 16 decreased decrease VERB issue-198 67 17 at at ADP issue-198 67 18 the the DET issue-198 67 19 end end NOUN issue-198 67 20 of of ADP issue-198 67 21 2015 2015 NUM issue-198 67 22 , , PUNCT issue-198 67 23 and and CCONJ issue-198 67 24 amounted amount VERB issue-198 67 25 to to ADP issue-198 67 26 37.1 37.1 NUM issue-198 67 27 % % NOUN issue-198 67 28 , , PUNCT issue-198 67 29 and and CCONJ issue-198 67 30 in in ADP issue-198 67 31 us us PROPN issue-198 67 32 dollars dollar NOUN issue-198 67 33 , , PUNCT issue-198 67 34 on on ADP issue-198 67 35 the the DET issue-198 67 36 contrary contrary NOUN issue-198 67 37 , , PUNCT issue-198 67 38 increased increase VERB issue-198 67 39 and and CCONJ issue-198 67 40 amounted amount VERB issue-198 67 41 to to ADP issue-198 67 42 59.4 59.4 NUM issue-198 67 43 % % NOUN issue-198 67 44 ; ; PUNCT issue-198 67 45 loans loan NOUN issue-198 67 46 in in ADP issue-198 67 47 euro euro PROPN issue-198 67 48 have have AUX issue-198 67 49 not not PART issue-198 67 50 undergone undergo VERB issue-198 67 51 substantial substantial ADJ issue-198 67 52 changes change NOUN issue-198 67 53 and and CCONJ issue-198 67 54 remained remain VERB issue-198 67 55 at at ADP issue-198 67 56 a a DET issue-198 67 57 low low ADJ issue-198 67 58 level level NOUN issue-198 67 59     SPACE issue-198 67 60 – – PUNCT issue-198 67 61 2.55 2.55 NUM issue-198 67 62 % % NOUN issue-198 67 63 of of ADP issue-198 67 64 total total ADJ issue-198 67 65 mortgage mortgage NOUN issue-198 67 66 loans loan NOUN issue-198 67 67 . . PUNCT issue-198 68 1 analysing analyse VERB issue-198 68 2 the the DET issue-198 68 3 dynamics dynamic NOUN issue-198 68 4 of of ADP issue-198 68 5 mortgage mortgage NOUN issue-198 68 6 loans loan NOUN issue-198 68 7 for for ADP issue-198 68 8 2011 2011 NUM issue-198 68 9 – – PUNCT issue-198 68 10 2015 2015 NUM issue-198 68 11 , , PUNCT issue-198 68 12 it it PRON issue-198 68 13 can can AUX issue-198 68 14 be be AUX issue-198 68 15 concluded conclude VERB issue-198 68 16 that that SCONJ issue-198 68 17 the the DET issue-198 68 18 leading lead VERB issue-198 68 19 position position NOUN issue-198 68 20 in in ADP issue-198 68 21 terms term NOUN issue-198 68 22 of of ADP issue-198 68 23 the the DET issue-198 68 24 total total ADJ issue-198 68 25 volume volume NOUN issue-198 68 26 of of ADP issue-198 68 27 loans loan NOUN issue-198 68 28 and and CCONJ issue-198 68 29 , , PUNCT issue-198 68 30 consequently consequently ADV issue-198 68 31 , , PUNCT issue-198 68 32 income income NOUN issue-198 68 33 for for ADP issue-198 68 34 the the DET issue-198 68 35 period period NOUN issue-198 68 36 2011–2015 2011–2015 NUM issue-198 68 37 among among ADP issue-198 68 38 the the DET issue-198 68 39 analysed analyse VERB issue-198 68 40 banks bank NOUN issue-198 68 41 is be AUX issue-198 68 42 taken take VERB issue-198 68 43 by by ADP issue-198 68 44 pjsc pjsc NOUN issue-198 68 45 “ " PUNCT issue-198 68 46 privatbank privatbank NOUN issue-198 68 47 ” " PUNCT issue-198 68 48 and and CCONJ issue-198 68 49 pjsc pjsc VERB issue-198 68 50 “ " PUNCT issue-198 68 51 oschadbank oschadbank PROPN issue-198 68 52 ” " PUNCT issue-198 68 53 . . PUNCT issue-198 69 1 regarding regard VERB issue-198 69 2 the the DET issue-198 69 3 indicator indicator NOUN issue-198 69 4 of of ADP issue-198 69 5 a a DET issue-198 69 6 share share NOUN issue-198 69 7 of of ADP issue-198 69 8 loans loan NOUN issue-198 69 9 secured secure VERB issue-198 69 10 by by ADP issue-198 69 11 real real ADJ issue-198 69 12 estate estate NOUN issue-198 69 13 in in ADP issue-198 69 14 the the DET issue-198 69 15 total total ADJ issue-198 69 16 volume volume NOUN issue-198 69 17 of of ADP issue-198 69 18 loans loan NOUN issue-198 69 19 , , PUNCT issue-198 69 20 there there PRON issue-198 69 21 is be VERB issue-198 69 22 a a DET issue-198 69 23 slightly slightly ADV issue-198 69 24 different different ADJ issue-198 69 25 situation situation NOUN issue-198 69 26 . . PUNCT issue-198 70 1 in in ADP issue-198 70 2 particular particular ADJ issue-198 70 3 , , PUNCT issue-198 70 4 the the DET issue-198 70 5 leaders leader NOUN issue-198 70 6 on on ADP issue-198 70 7 this this DET issue-198 70 8 indicator indicator NOUN issue-198 70 9 are be AUX issue-198 70 10 pjsc pjsc NOUN issue-198 70 11 “ " PUNCT issue-198 70 12 ukrsotsbank ukrsotsbank ADV issue-198 70 13 ” " PUNCT issue-198 70 14 , , PUNCT issue-198 70 15 pjsc pjsc NOUN issue-198 70 16 “ " PUNCT issue-198 70 17 kredobank kredobank NOUN issue-198 70 18 ” " PUNCT issue-198 70 19 ( ( PUNCT issue-198 70 20 table table NOUN issue-198 70 21 1 1 NUM issue-198 70 22 ) ) PUNCT issue-198 70 23 . . PUNCT issue-198 71 1 demand demand NOUN issue-198 71 2 for for ADP issue-198 71 3 housing housing NOUN issue-198 71 4 remains remain VERB issue-198 71 5 limited limited ADJ issue-198 71 6 , , PUNCT issue-198 71 7 the the DET issue-198 71 8 effect effect NOUN issue-198 71 9 of of ADP issue-198 71 10 temporary temporary ADJ issue-198 71 11 factors factor NOUN issue-198 71 12 that that PRON issue-198 71 13 supported support VERB issue-198 71 14 it it PRON issue-198 71 15 is be AUX issue-198 71 16 especially especially ADV issue-198 71 17 confined confine VERB issue-198 71 18 in in ADP issue-198 71 19 kyiv kyiv PROPN issue-198 71 20 . . PUNCT issue-198 72 1 loans loan NOUN issue-198 72 2 for for ADP issue-198 72 3 housing housing NOUN issue-198 72 4 intensified intensify VERB issue-198 72 5 but but CCONJ issue-198 72 6 the the DET issue-198 72 7 amounts amount NOUN issue-198 72 8 are be AUX issue-198 72 9 too too ADV issue-198 72 10 small small ADJ issue-198 72 11 to to PART issue-198 72 12 influence influence VERB issue-198 72 13 the the DET issue-198 72 14 market market NOUN issue-198 72 15 or or CCONJ issue-198 72 16 create create VERB issue-198 72 17 risks risk NOUN issue-198 72 18 . . PUNCT issue-198 73 1 the the DET issue-198 73 2 shift shift NOUN issue-198 73 3 in in ADP issue-198 73 4 the the DET issue-198 73 5 amount amount NOUN issue-198 73 6 of of ADP issue-198 73 7 supply supply NOUN issue-198 73 8 can can AUX issue-198 73 9 be be AUX issue-198 73 10 attributed attribute VERB issue-198 73 11 to to ADP issue-198 73 12 changes change NOUN issue-198 73 13 in in ADP issue-198 73 14 its its PRON issue-198 73 15 structure structure NOUN issue-198 73 16 by by ADP issue-198 73 17 region region NOUN issue-198 73 18 , , PUNCT issue-198 73 19 housing housing NOUN issue-198 73 20 options option NOUN issue-198 73 21 offered offer VERB issue-198 73 22 for for ADP issue-198 73 23 sale sale NOUN issue-198 73 24 and and CCONJ issue-198 73 25 terms term NOUN issue-198 73 26 of of ADP issue-198 73 27 financing finance VERB issue-198 73 28 its its PRON issue-198 73 29 purchase purchase NOUN issue-198 73 30 . . PUNCT issue-198 74 1 prices price NOUN issue-198 74 2 for for ADP issue-198 74 3 residential residential ADJ issue-198 74 4 real real ADJ issue-198 74 5 estate estate NOUN issue-198 74 6 in in ADP issue-198 74 7 the the DET issue-198 74 8 capital capital NOUN issue-198 74 9 in in ADP issue-198 74 10 dollar dollar NOUN issue-198 74 11 terms term NOUN issue-198 74 12 are be AUX issue-198 74 13 reduced reduce VERB issue-198 74 14 but but CCONJ issue-198 74 15 growing grow VERB issue-198 74 16 at at ADP issue-198 74 17 a a DET issue-198 74 18 slower slow ADJ issue-198 74 19 pace pace NOUN issue-198 74 20 , , PUNCT issue-198 74 21 the the DET issue-198 74 22 number number NOUN issue-198 74 23 of of ADP issue-198 74 24 transactions transaction NOUN issue-198 74 25 is be AUX issue-198 74 26 low low ADJ issue-198 74 27 but but CCONJ issue-198 74 28 slowly slowly ADV issue-198 74 29 growing grow VERB issue-198 74 30 . . PUNCT issue-198 75 1 commercial commercial ADJ issue-198 75 2 real real ADJ issue-198 75 3 estate estate NOUN issue-198 75 4 today today NOUN issue-198 75 5 is be AUX issue-198 75 6 unattractive unattractive ADJ issue-198 75 7 for for ADP issue-198 75 8 investment investment NOUN issue-198 75 9 . . PUNCT issue-198 76 1 demand demand NOUN issue-198 76 2 for for ADP issue-198 76 3 housing housing NOUN issue-198 76 4 remains remain NOUN issue-198 76 5 is be AUX issue-198 76 6 limited limited ADJ issue-198 76 7 . . PUNCT issue-198 77 1 the the DET issue-198 77 2 real real ADJ issue-198 77 3 income income NOUN issue-198 77 4 of of ADP issue-198 77 5 the the DET issue-198 77 6 population population NOUN issue-198 77 7 has have AUX issue-198 77 8 barely barely ADV issue-198 77 9 grown grow VERB issue-198 77 10 significantly significantly ADV issue-198 77 11 in in ADP issue-198 77 12 the the DET issue-198 77 13 ii ii PROPN issue-198 77 14 quarter quarter NOUN issue-198 77 15 of of ADP issue-198 77 16 2016 2016 NUM issue-198 77 17 after after ADP issue-198 77 18 a a DET issue-198 77 19 significant significant ADJ issue-198 77 20 drop drop NOUN issue-198 77 21 in in ADP issue-198 77 22 the the DET issue-198 77 23 result result NOUN issue-198 77 24 of of ADP issue-198 77 25 a a DET issue-198 77 26 prolonged prolonged ADJ issue-198 77 27 crisis crisis NOUN issue-198 77 28 . . PUNCT issue-198 78 1 this this PRON issue-198 78 2 is be AUX issue-198 78 3 one one NUM issue-198 78 4 of of ADP issue-198 78 5 the the DET issue-198 78 6 first first ADJ issue-198 78 7 signs sign NOUN issue-198 78 8 of of ADP issue-198 78 9 early early ADJ issue-198 78 10 growth growth NOUN issue-198 78 11 of of ADP issue-198 78 12 purchasing purchasing NOUN issue-198 78 13 power power NOUN issue-198 78 14 , , PUNCT issue-198 78 15 which which PRON issue-198 78 16 , , PUNCT issue-198 78 17 however however ADV issue-198 78 18 , , PUNCT issue-198 78 19 is be AUX issue-198 78 20 not not PART issue-198 78 21 enough enough ADJ issue-198 78 22 to to PART issue-198 78 23 significantly significantly ADV issue-198 78 24 increase increase VERB issue-198 78 25 the the DET issue-198 78 26 demand demand NOUN issue-198 78 27 for for ADP issue-198 78 28 table table NOUN issue-198 78 29 1 1 NUM issue-198 78 30 dynamics dynamic NOUN issue-198 78 31 of of ADP issue-198 78 32 mortgage mortgage NOUN issue-198 78 33 loans loan NOUN issue-198 78 34 for for ADP issue-198 78 35 the the DET issue-198 78 36 period period NOUN issue-198 78 37 of of ADP issue-198 78 38 2011–2015 2011–2015 NUM issue-198 78 39 ( ( PUNCT issue-198 78 40 million million NUM issue-198 78 41 uah uah ADJ issue-198 78 42 ) ) PUNCT issue-198 78 43 indexes index NOUN issue-198 78 44 years year NOUN issue-198 78 45 banks bank NOUN issue-198 78 46 private private ADJ issue-198 78 47 joint joint ADJ issue-198 78 48 stock stock NOUN issue-198 78 49 company company NOUN issue-198 78 50 “ " PUNCT issue-198 78 51 oschadbank oschadbank PROPN issue-198 78 52 ” " PUNCT issue-198 78 53 private private ADJ issue-198 78 54 joint joint ADJ issue-198 78 55 stock stock NOUN issue-198 78 56 company company NOUN issue-198 78 57 “ " PUNCT issue-198 78 58 privatbank privatbank NOUN issue-198 78 59 ” " PUNCT issue-198 78 60 private private ADJ issue-198 78 61 joint joint ADJ issue-198 78 62 stock stock NOUN issue-198 78 63 company company NOUN issue-198 78 64 “ " PUNCT issue-198 78 65 ukrsotsbank ukrsotsbank ADJ issue-198 78 66 ” " PUNCT issue-198 78 67 private private ADJ issue-198 78 68 joint joint ADJ issue-198 78 69 stock stock NOUN issue-198 78 70 company company NOUN issue-198 78 71 “ " PUNCT issue-198 78 72 kredobank kredobank NOUN issue-198 78 73 ” " PUNCT issue-198 78 74 total total ADJ issue-198 78 75 number number NOUN issue-198 78 76 of of ADP issue-198 78 77 loans loan NOUN issue-198 78 78 2011 2011 NUM issue-198 78 79 50 50 NUM issue-198 78 80 459 459 NUM issue-198 78 81 107 107 NUM issue-198 78 82 755 755 NUM issue-198 78 83 29 29 NUM issue-198 78 84 471 471 NUM issue-198 78 85 2 2 NUM issue-198 78 86 084 084 NUM issue-198 78 87 2012 2012 NUM issue-198 78 88 51 51 NUM issue-198 78 89 337 337 NUM issue-198 78 90 123 123 NUM issue-198 78 91 452 452 NUM issue-198 78 92 25 25 NUM issue-198 78 93 400 400 NUM issue-198 78 94 2 2 NUM issue-198 78 95 450 450 NUM issue-198 78 96 2013 2013 NUM issue-198 78 97 52 52 NUM issue-198 78 98 179 179 NUM issue-198 78 99 139 139 NUM issue-198 78 100 663 663 NUM issue-198 78 101 28 28 NUM issue-198 78 102 061 061 NUM issue-198 78 103 2 2 NUM issue-198 78 104 698 698 NUM issue-198 78 105 2014 2014 NUM issue-198 78 106 70 70 NUM issue-198 78 107 236 236 NUM issue-198 78 108 161 161 NUM issue-198 78 109 830 830 NUM issue-198 78 110 32 32 NUM issue-198 78 111 630 630 NUM issue-198 78 112 3 3 NUM issue-198 78 113 691 691 NUM issue-198 78 114 2015 2015 NUM issue-198 78 115 65 65 NUM issue-198 78 116 462 462 NUM issue-198 78 117 189 189 NUM issue-198 78 118 147 147 NUM issue-198 78 119 36 36 NUM issue-198 78 120 403 403 NUM issue-198 78 121 4 4 NUM issue-198 78 122 248 248 NUM issue-198 78 123 number number NOUN issue-198 78 124 of of ADP issue-198 78 125 loans loan NOUN issue-198 78 126 secured secure VERB issue-198 78 127 by by ADP issue-198 78 128 real real ADJ issue-198 78 129 estate estate NOUN issue-198 78 130 2011 2011 NUM issue-198 78 131 15 15 NUM issue-198 78 132 398 398 NUM issue-198 78 133 6 6 NUM issue-198 78 134 219 219 NUM issue-198 78 135 5 5 NUM issue-198 78 136 21 21 NUM issue-198 78 137 184 184 NUM issue-198 78 138 1 1 NUM issue-198 78 139 362 362 NUM issue-198 78 140 2012 2012 NUM issue-198 78 141 19 19 NUM issue-198 78 142 897 897 NUM issue-198 78 143 11 11 NUM issue-198 78 144 834 834 NUM issue-198 78 145 18 18 NUM issue-198 78 146 172 172 NUM issue-198 78 147 1 1 NUM issue-198 78 148 430 430 NUM issue-198 78 149 2013 2013 NUM issue-198 78 150 24 24 NUM issue-198 78 151 750 750 NUM issue-198 78 152 7 7 NUM issue-198 78 153 339 339 NUM issue-198 78 154 21 21 NUM issue-198 78 155 614 614 NUM issue-198 78 156 1 1 NUM issue-198 78 157 326 326 NUM issue-198 78 158 2014 2014 NUM issue-198 78 159 29 29 NUM issue-198 78 160 762 762 NUM issue-198 78 161 23 23 NUM issue-198 78 162 996 996 NUM issue-198 78 163 1 1 NUM issue-198 78 164 711 711 NUM issue-198 78 165 2015 2015 NUM issue-198 78 166 24 24 NUM issue-198 78 167 400 400 NUM issue-198 78 168 2 2 NUM issue-198 78 169 140 140 NUM issue-198 78 170 share share NOUN issue-198 78 171 of of ADP issue-198 78 172 loans loan NOUN issue-198 78 173 secured secure VERB issue-198 78 174 by by ADP issue-198 78 175 real real ADJ issue-198 78 176 estate estate NOUN issue-198 78 177 in in ADP issue-198 78 178 the the DET issue-198 78 179 total total ADJ issue-198 78 180 number number NOUN issue-198 78 181 of of ADP issue-198 78 182 loans loan NOUN issue-198 79 1 2011 2011 NUM issue-198 79 2 30,5 30,5 NUM issue-198 79 3 9,93 9,93 NUM issue-198 80 1 64,9 64,9 ADJ issue-198 80 2 65,3 65,3 ADJ issue-198 80 3 2012 2012 NUM issue-198 80 4 38,7 38,7 NUM issue-198 80 5 9,6 9,6 NUM issue-198 80 6 71,4 71,4 NUM issue-198 80 7 58,4 58,4 NUM issue-198 80 8 2013 2013 NUM issue-198 80 9 47,4 47,4 NOUN issue-198 80 10 5,25 5,25 NUM issue-198 80 11 77,02 77,02 NOUN issue-198 81 1 49,2 49,2 NUM issue-198 81 2 2014 2014 NUM issue-198 81 3 42,4 42,4 NOUN issue-198 82 1 73,5 73,5 NUM issue-198 82 2 46,3 46,3 NUM issue-198 82 3 2015 2015 NUM issue-198 82 4 67,0 67,0 NUM issue-198 83 1 50,4 50,4 PROPN issue-198 83 2 baltic baltic ADJ issue-198 83 3 journal journal PROPN issue-198 83 4 of of ADP issue-198 83 5 economic economic ADJ issue-198 83 6 studies study NOUN issue-198 83 7 62 62 NUM issue-198 83 8 vol vol NOUN issue-198 83 9 . . PUNCT issue-198 84 1 3 3 NUM issue-198 84 2 , , PUNCT issue-198 84 3 no no INTJ issue-198 84 4 . . NOUN issue-198 84 5 3 3 NUM issue-198 84 6 , , PUNCT issue-198 84 7 2017 2017 NUM issue-198 84 8 residential residential ADJ issue-198 84 9 real real ADJ issue-198 84 10 estate estate NOUN issue-198 84 11 . . PUNCT issue-198 85 1 therefore therefore ADV issue-198 85 2 , , PUNCT issue-198 85 3 it it PRON issue-198 85 4 is be AUX issue-198 85 5 determined determine VERB issue-198 85 6 by by ADP issue-198 85 7 the the DET issue-198 85 8 factors factor NOUN issue-198 85 9 , , PUNCT issue-198 85 10 which which PRON issue-198 85 11 under under ADP issue-198 85 12 normal normal ADJ issue-198 85 13 circumstances circumstance NOUN issue-198 85 14 are be AUX issue-198 85 15 secondary secondary ADJ issue-198 85 16 . . PUNCT issue-198 86 1 first first ADV issue-198 86 2 , , PUNCT issue-198 86 3 the the DET issue-198 86 4 risk risk NOUN issue-198 86 5 of of ADP issue-198 86 6 losing lose VERB issue-198 86 7 deposits deposit NOUN issue-198 86 8 in in ADP issue-198 86 9 insolvent insolvent ADJ issue-198 86 10 banks bank NOUN issue-198 86 11 forcing force VERB issue-198 86 12 investors investor NOUN issue-198 86 13 to to PART issue-198 86 14 withdraw withdraw VERB issue-198 86 15 money money NOUN issue-198 86 16 and and CCONJ issue-198 86 17 buy buy VERB issue-198 86 18 housing housing NOUN issue-198 86 19 . . PUNCT issue-198 87 1 the the DET issue-198 87 2 impact impact NOUN issue-198 87 3 of of ADP issue-198 87 4 this this DET issue-198 87 5 factor factor NOUN issue-198 87 6 is be AUX issue-198 87 7 gradually gradually ADV issue-198 87 8 eroding erode VERB issue-198 87 9 , , PUNCT issue-198 87 10 due due ADP issue-198 87 11 to to ADP issue-198 87 12 the the DET issue-198 87 13 cleaning cleaning NOUN issue-198 87 14 of of ADP issue-198 87 15 the the DET issue-198 87 16 banking banking NOUN issue-198 87 17 sector sector NOUN issue-198 87 18 is be AUX issue-198 87 19 coming come VERB issue-198 87 20 to to ADP issue-198 87 21 an an DET issue-198 87 22 end end NOUN issue-198 87 23 , , PUNCT issue-198 87 24 the the DET issue-198 87 25 sustainable sustainable ADJ issue-198 87 26 inflow inflow NOUN issue-198 87 27 of of ADP issue-198 87 28 deposits deposit NOUN issue-198 87 29 indicates indicate VERB issue-198 87 30 a a DET issue-198 87 31 slow slow ADJ issue-198 87 32 recovery recovery NOUN issue-198 87 33 of of ADP issue-198 87 34 confidence confidence NOUN issue-198 87 35 in in ADP issue-198 87 36 the the DET issue-198 87 37 banks bank NOUN issue-198 87 38 . . PUNCT issue-198 88 1 second second ADJ issue-198 88 2 , , PUNCT issue-198 88 3 the the DET issue-198 88 4 abrupt abrupt ADJ issue-198 88 5 fall fall NOUN issue-198 88 6 of of ADP issue-198 88 7 hryvnia hryvnia NOUN issue-198 88 8 allows allow VERB issue-198 88 9 those those PRON issue-198 88 10 accumulated accumulate VERB issue-198 88 11 before before SCONJ issue-198 88 12 the the DET issue-198 88 13 crisis crisis NOUN issue-198 88 14 currency currency NOUN issue-198 88 15 savings saving NOUN issue-198 88 16 to to PART issue-198 88 17 find find VERB issue-198 88 18 attractive attractive ADJ issue-198 88 19 price price NOUN issue-198 88 20 offers offer NOUN issue-198 88 21 in in ADP issue-198 88 22 housing housing NOUN issue-198 88 23 and and CCONJ issue-198 88 24 use use VERB issue-198 88 25 them they PRON issue-198 88 26 . . PUNCT issue-198 89 1 the the DET issue-198 89 2 influence influence NOUN issue-198 89 3 of of ADP issue-198 89 4 these these DET issue-198 89 5 factors factor NOUN issue-198 89 6 also also ADV issue-198 89 7 decreased decrease VERB issue-198 89 8 as as ADP issue-198 89 9 a a DET issue-198 89 10 result result NOUN issue-198 89 11 of of ADP issue-198 89 12 a a DET issue-198 89 13 stabilization stabilization NOUN issue-198 89 14 in in ADP issue-198 89 15 the the DET issue-198 89 16 currency currency NOUN issue-198 89 17 market market NOUN issue-198 89 18 and and CCONJ issue-198 89 19 depletion depletion NOUN issue-198 89 20 of of ADP issue-198 89 21 savings saving NOUN issue-198 89 22 . . PUNCT issue-198 90 1 third third ADJ issue-198 90 2 , , PUNCT issue-198 90 3 the the DET issue-198 90 4 demand demand NOUN issue-198 90 5 from from ADP issue-198 90 6 settlers settler NOUN issue-198 90 7 from from ADP issue-198 90 8 the the DET issue-198 90 9 occupied occupy VERB issue-198 90 10 territories territory NOUN issue-198 90 11 is be AUX issue-198 90 12 almost almost ADV issue-198 90 13 fully fully ADV issue-198 90 14 implemented implement VERB issue-198 90 15 . . PUNCT issue-198 91 1 in in ADP issue-198 91 2 addition addition NOUN issue-198 91 3 to to ADP issue-198 91 4 home home NOUN issue-198 91 5 buyers buyer NOUN issue-198 91 6 , , PUNCT issue-198 91 7 banks bank NOUN issue-198 91 8 lend lend VERB issue-198 91 9 to to ADP issue-198 91 10 developers developer NOUN issue-198 91 11 . . PUNCT issue-198 92 1 this this PRON issue-198 92 2 applies apply VERB issue-198 92 3 both both PRON issue-198 92 4 to to ADP issue-198 92 5 the the DET issue-198 92 6 capital capital NOUN issue-198 92 7 and and CCONJ issue-198 92 8 to to ADP issue-198 92 9 regions region NOUN issue-198 92 10 . . PUNCT issue-198 93 1 large large ADJ issue-198 93 2 companies company NOUN issue-198 93 3 take take VERB issue-198 93 4 loans loan NOUN issue-198 93 5 for for ADP issue-198 93 6 up up ADP issue-198 93 7 to to PART issue-198 93 8 three three NUM issue-198 93 9 years year NOUN issue-198 93 10 . . PUNCT issue-198 94 1 smaller small ADJ issue-198 94 2 companies company NOUN issue-198 94 3 obtain obtain VERB issue-198 94 4 short short ADJ issue-198 94 5 - - PUNCT issue-198 94 6 term term NOUN issue-198 94 7 loans loan NOUN issue-198 94 8 from from ADP issue-198 94 9 banks bank NOUN issue-198 94 10 and and CCONJ issue-198 94 11 use use VERB issue-198 94 12 them they PRON issue-198 94 13 to to PART issue-198 94 14 maintain maintain VERB issue-198 94 15 the the DET issue-198 94 16 pace pace NOUN issue-198 94 17 of of ADP issue-198 94 18 construction construction NOUN issue-198 94 19 if if SCONJ issue-198 94 20 newly newly ADV issue-198 94 21 built build VERB issue-198 94 22 apartments apartment NOUN issue-198 94 23 can can AUX issue-198 94 24 not not PART issue-198 94 25 be be AUX issue-198 94 26 sold sell VERB issue-198 94 27 quickly quickly ADV issue-198 94 28 . . PUNCT issue-198 95 1 however however ADV issue-198 95 2 , , PUNCT issue-198 95 3 total total ADJ issue-198 95 4 lending lending NOUN issue-198 95 5 by by ADP issue-198 95 6 developers developer NOUN issue-198 95 7 is be AUX issue-198 95 8 currently currently ADV issue-198 95 9 small small ADJ issue-198 95 10 . . PUNCT issue-198 96 1 the the DET issue-198 96 2 main main ADJ issue-198 96 3 source source NOUN issue-198 96 4 of of ADP issue-198 96 5 funding funding NOUN issue-198 96 6 is be AUX issue-198 96 7 the the DET issue-198 96 8 developers developer NOUN issue-198 96 9 ’ ’ PART issue-198 96 10 own own ADJ issue-198 96 11 funds fund NOUN issue-198 96 12 and and CCONJ issue-198 96 13 proceeds proceed NOUN issue-198 96 14 from from ADP issue-198 96 15 buyers buyer NOUN issue-198 96 16 . . PUNCT issue-198 97 1 in in ADP issue-198 97 2 the the DET issue-198 97 3 face face NOUN issue-198 97 4 of of ADP issue-198 97 5 declining decline VERB issue-198 97 6 inflation inflation NOUN issue-198 97 7 and and CCONJ issue-198 97 8 interest interest NOUN issue-198 97 9 rates rate NOUN issue-198 97 10 , , PUNCT issue-198 97 11 further further ADJ issue-198 97 12 growth growth NOUN issue-198 97 13 of of ADP issue-198 97 14 hryvnia hryvnia NOUN issue-198 97 15 mortgage mortgage NOUN issue-198 97 16 banks bank NOUN issue-198 97 17 and and CCONJ issue-198 97 18 financing financing NOUN issue-198 97 19 of of ADP issue-198 97 20 developers developer NOUN issue-198 97 21 can can AUX issue-198 97 22 be be AUX issue-198 97 23 expected expect VERB issue-198 97 24 . . PUNCT issue-198 98 1 however however ADV issue-198 98 2 , , PUNCT issue-198 98 3 in in ADP issue-198 98 4 the the DET issue-198 98 5 short short ADJ issue-198 98 6 term term NOUN issue-198 98 7 , , PUNCT issue-198 98 8 its its PRON issue-198 98 9 rate rate NOUN issue-198 98 10 will will AUX issue-198 98 11 moderate moderate VERB issue-198 98 12 in in ADP issue-198 98 13 view view NOUN issue-198 98 14 of of ADP issue-198 98 15 the the DET issue-198 98 16 shortage shortage NOUN issue-198 98 17 of of ADP issue-198 98 18 quality quality NOUN issue-198 98 19 borrowers borrower NOUN issue-198 98 20 and and CCONJ issue-198 98 21 the the DET issue-198 98 22 unresolved unresolved ADJ issue-198 98 23 problem problem NOUN issue-198 98 24 of of ADP issue-198 98 25 foreign foreign ADJ issue-198 98 26 currency currency NOUN issue-198 98 27 debt debt NOUN issue-198 98 28 . . PUNCT issue-198 99 1 given give VERB issue-198 99 2 that that PRON issue-198 99 3 today today NOUN issue-198 99 4 the the DET issue-198 99 5 scale scale NOUN issue-198 99 6 of of ADP issue-198 99 7 such such ADJ issue-198 99 8 lending lending NOUN issue-198 99 9 is be AUX issue-198 99 10 small small ADJ issue-198 99 11 , , PUNCT issue-198 99 12 its its PRON issue-198 99 13 growth growth NOUN issue-198 99 14 will will AUX issue-198 99 15 not not PART issue-198 99 16 create create VERB issue-198 99 17 risks risk NOUN issue-198 99 18 and and CCONJ issue-198 99 19 so so ADV issue-198 99 20 will will AUX issue-198 99 21 not not PART issue-198 99 22 have have VERB issue-198 99 23 a a DET issue-198 99 24 significant significant ADJ issue-198 99 25 impact impact NOUN issue-198 99 26 on on ADP issue-198 99 27 housing housing NOUN issue-198 99 28 prices price NOUN issue-198 99 29 . . PUNCT issue-198 100 1 in in ADP issue-198 100 2 the the DET issue-198 100 3 long long ADJ issue-198 100 4 term term NOUN issue-198 100 5 , , PUNCT issue-198 100 6 to to PART issue-198 100 7 control control VERB issue-198 100 8 risks risk NOUN issue-198 100 9 creating create VERB issue-198 100 10 housing housing NOUN issue-198 100 11 market market NOUN issue-198 100 12 for for ADP issue-198 100 13 financial financial ADJ issue-198 100 14 stability stability NOUN issue-198 100 15 , , PUNCT issue-198 100 16 the the DET issue-198 100 17 national national PROPN issue-198 100 18 bank bank PROPN issue-198 100 19 intends intend VERB issue-198 100 20 to to PART issue-198 100 21 carefully carefully ADV issue-198 100 22 monitor monitor VERB issue-198 100 23 the the DET issue-198 100 24 prices price NOUN issue-198 100 25 and and CCONJ issue-198 100 26 start start VERB issue-198 100 27 a a DET issue-198 100 28 systematic systematic ADJ issue-198 100 29 calculation calculation NOUN issue-198 100 30 of of ADP issue-198 100 31 ltv ltv PROPN issue-198 100 32 indicator indicator PROPN issue-198 100 33 ( ( PUNCT issue-198 100 34 loan loan NOUN issue-198 100 35 - - PUNCT issue-198 100 36 to to ADP issue-198 100 37 - - PUNCT issue-198 100 38 value value NOUN issue-198 100 39 ratio ratio NOUN issue-198 100 40 ) ) PUNCT issue-198 100 41 for for ADP issue-198 100 42 mortgage mortgage NOUN issue-198 100 43 loans loan NOUN issue-198 100 44 . . PUNCT issue-198 101 1 4 4 X issue-198 101 2 . . X issue-198 101 3 findings finding VERB issue-198 101 4 the the DET issue-198 101 5 analysis analysis NOUN issue-198 101 6 of of ADP issue-198 101 7 the the DET issue-198 101 8 mortgage mortgage NOUN issue-198 101 9 market market NOUN issue-198 101 10 in in ADP issue-198 101 11 ukraine ukraine PROPN issue-198 101 12 shows show VERB issue-198 101 13 that that SCONJ issue-198 101 14 in in ADP issue-198 101 15 recent recent ADJ issue-198 101 16 years year NOUN issue-198 101 17 , , PUNCT issue-198 101 18 its its PRON issue-198 101 19 scope scope NOUN issue-198 101 20 , , PUNCT issue-198 101 21 dynamics dynamic NOUN issue-198 101 22 , , PUNCT issue-198 101 23 and and CCONJ issue-198 101 24 trends trend NOUN issue-198 101 25 do do AUX issue-198 101 26 not not PART issue-198 101 27 meet meet VERB issue-198 101 28 the the DET issue-198 101 29 needs need NOUN issue-198 101 30 of of ADP issue-198 101 31 either either PRON issue-198 101 32 people people NOUN issue-198 101 33 or or CCONJ issue-198 101 34 developers developer NOUN issue-198 101 35 . . PUNCT issue-198 102 1 at at ADP issue-198 102 2 a a DET issue-198 102 3 time time NOUN issue-198 102 4 when when SCONJ issue-198 102 5 the the DET issue-198 102 6 dynamics dynamic NOUN issue-198 102 7 of of ADP issue-198 102 8 macroeconomic macroeconomic ADJ issue-198 102 9 indicators indicator NOUN issue-198 102 10 do do AUX issue-198 102 11 not not PART issue-198 102 12 give give VERB issue-198 102 13 hope hope NOUN issue-198 102 14 for for ADP issue-198 102 15 a a DET issue-198 102 16 quick quick ADJ issue-198 102 17 exit exit NOUN issue-198 102 18 from from ADP issue-198 102 19 the the DET issue-198 102 20 crisis crisis NOUN issue-198 102 21 and and CCONJ issue-198 102 22 high high ADJ issue-198 102 23 political political ADJ issue-198 102 24 risks risk NOUN issue-198 102 25 increase increase VERB issue-198 102 26 the the DET issue-198 102 27 uncertainty uncertainty NOUN issue-198 102 28 of of ADP issue-198 102 29 social social ADJ issue-198 102 30 development development NOUN issue-198 102 31 , , PUNCT issue-198 102 32 long long ADJ issue-198 102 33 - - PUNCT issue-198 102 34 term term NOUN issue-198 102 35 mortgage mortgage NOUN issue-198 102 36 loans loan NOUN issue-198 102 37 are be AUX issue-198 102 38 risky risky ADJ issue-198 102 39 for for ADP issue-198 102 40 the the DET issue-198 102 41 banking banking NOUN issue-198 102 42 sector sector NOUN issue-198 102 43 and and CCONJ issue-198 102 44 borrowers borrower NOUN issue-198 102 45 . . PUNCT issue-198 103 1 for for ADP issue-198 103 2 the the DET issue-198 103 3 development development NOUN issue-198 103 4 of of ADP issue-198 103 5 mortgage mortgage NOUN issue-198 103 6 housing housing NOUN issue-198 103 7 , , PUNCT issue-198 103 8 in in ADP issue-198 103 9 our our PRON issue-198 103 10 opinion opinion NOUN issue-198 103 11 , , PUNCT issue-198 103 12 there there PRON issue-198 103 13 is be VERB issue-198 103 14 a a DET issue-198 103 15 need need NOUN issue-198 103 16 for for ADP issue-198 103 17 government government NOUN issue-198 103 18 assistance assistance NOUN issue-198 103 19 through through ADP issue-198 103 20 : : PUNCT issue-198 103 21 ‒ ‒ NOUN issue-198 103 22 completing complete VERB issue-198 103 23 the the DET issue-198 103 24 legal legal ADJ issue-198 103 25 framework framework NOUN issue-198 103 26 for for ADP issue-198 103 27 mortgage mortgage NOUN issue-198 103 28 lending lending NOUN issue-198 103 29 ; ; PUNCT issue-198 103 30 ‒ ‒ X issue-198 103 31 stability stability NOUN issue-198 103 32 of of ADP issue-198 103 33 hryvnia hryvnia NOUN issue-198 103 34 ; ; PUNCT issue-198 103 35 ‒ ‒ X issue-198 103 36 favourable favourable ADJ issue-198 103 37 development development NOUN issue-198 103 38 programs program NOUN issue-198 103 39 of of ADP issue-198 103 40 a a DET issue-198 103 41 partial partial ADJ issue-198 103 42 compensation compensation NOUN issue-198 103 43 of of ADP issue-198 103 44 property property NOUN issue-198 103 45 value value NOUN issue-198 103 46 ; ; PUNCT issue-198 103 47 ‒ ‒ X issue-198 103 48 creating create VERB issue-198 103 49 competition competition NOUN issue-198 103 50 between between ADP issue-198 103 51 banks bank NOUN issue-198 103 52 in in ADP issue-198 103 53 the the DET issue-198 103 54 domestic domestic ADJ issue-198 103 55 market market NOUN issue-198 103 56 , , PUNCT issue-198 103 57 which which PRON issue-198 103 58 increases increase VERB issue-198 103 59 the the DET issue-198 103 60 attractiveness attractiveness NOUN issue-198 103 61 of of ADP issue-198 103 62 the the DET issue-198 103 63 mortgage mortgage NOUN issue-198 103 64 ; ; PUNCT issue-198 103 65 ‒ ‒ NOUN issue-198 103 66 activation activation NOUN issue-198 103 67 of of ADP issue-198 103 68 state state NOUN issue-198 103 69 involvement involvement NOUN issue-198 103 70 in in ADP issue-198 103 71 mortgage mortgage NOUN issue-198 103 72 lending lending NOUN issue-198 103 73 ; ; PUNCT issue-198 103 74 ‒ ‒ NOUN issue-198 103 75 creation creation NOUN issue-198 103 76 of of ADP issue-198 103 77 favourable favourable ADJ issue-198 103 78 conditions condition NOUN issue-198 103 79 for for ADP issue-198 103 80 attracting attract VERB issue-198 103 81 financial financial ADJ issue-198 103 82 resources resource NOUN issue-198 103 83 in in ADP issue-198 103 84 mortgage mortgage NOUN issue-198 103 85 lending lending NOUN issue-198 103 86 ; ; PUNCT issue-198 103 87 ‒ ‒ NOUN issue-198 103 88 lowering lower VERB issue-198 103 89 interest interest NOUN issue-198 103 90 rates rate NOUN issue-198 103 91 and and CCONJ issue-198 103 92 increasing increase VERB issue-198 103 93 lending lending NOUN issue-198 103 94 in in ADP issue-198 103 95 accordance accordance NOUN issue-198 103 96 with with ADP issue-198 103 97 international international ADJ issue-198 103 98 standards standard NOUN issue-198 103 99 . . PUNCT issue-198 104 1 the the DET issue-198 104 2 implementation implementation NOUN issue-198 104 3 of of ADP issue-198 104 4 the the DET issue-198 104 5 above above ADJ issue-198 104 6 together together ADV issue-198 104 7 with with ADP issue-198 104 8 the the DET issue-198 104 9 continuation continuation NOUN issue-198 104 10 of of ADP issue-198 104 11 market market NOUN issue-198 104 12 reforms reform NOUN issue-198 104 13 in in ADP issue-198 104 14 ukraine ukraine NOUN issue-198 104 15 will will AUX issue-198 104 16 contribute contribute VERB issue-198 104 17 to to ADP issue-198 104 18 the the DET issue-198 104 19 economic economic ADJ issue-198 104 20 growth growth NOUN issue-198 104 21 and and CCONJ issue-198 104 22 socio socio NOUN issue-198 104 23 - - PUNCT issue-198 104 24 economic economic ADJ issue-198 104 25 development development NOUN issue-198 104 26 . . PUNCT issue-198 105 1 references reference NOUN issue-198 105 2 : : PUNCT issue-198 105 3 belikov belikov NOUN issue-198 105 4 , , PUNCT issue-198 105 5 t. t. PROPN issue-198 105 6 ( ( PUNCT issue-198 105 7 2014 2014 NUM issue-198 105 8 ) ) PUNCT issue-198 105 9 . . PUNCT issue-198 106 1 current current ADJ issue-198 106 2 state state NOUN issue-198 106 3 and and CCONJ issue-198 106 4 prospects prospect NOUN issue-198 106 5 of of ADP issue-198 106 6 development development NOUN issue-198 106 7 of of ADP issue-198 106 8 mortgage mortgage NOUN issue-198 106 9 lending lending NOUN issue-198 106 10 in in ADP issue-198 106 11 ukraine ukraine PROPN issue-198 106 12 . . PUNCT issue-198 107 1 scientific scientific ADJ issue-198 107 2 journal journal NOUN issue-198 107 3 " " PUNCT issue-198 107 4 business business NOUN issue-198 107 5 inform inform NOUN issue-198 107 6 , , PUNCT issue-198 107 7 7 7 NUM issue-198 107 8 : : SYM issue-198 107 9 304 304 NUM issue-198 107 10 - - SYM issue-198 107 11 308 308 NUM issue-198 107 12 . . PUNCT issue-198 108 1 lyubun lyubun PROPN issue-198 108 2 , , PUNCT issue-198 108 3 a. a. NOUN issue-198 108 4 ( ( PUNCT issue-198 108 5 2011 2011 NUM issue-198 108 6 ) ) PUNCT issue-198 108 7 . . PUNCT issue-198 109 1 mortgages mortgage NOUN issue-198 109 2 , , PUNCT issue-198 109 3 1 1 NUM issue-198 109 4 : : SYM issue-198 109 5 392 392 NUM issue-198 109 6 . . PUNCT issue-198 110 1 sarmatytska sarmatytska PROPN issue-198 110 2 , , PUNCT issue-198 110 3 o. o. PROPN issue-198 110 4 ( ( PUNCT issue-198 110 5 2013 2013 NUM issue-198 110 6 ) ) PUNCT issue-198 110 7 . . PUNCT issue-198 111 1 bulletin bulletin NOUN issue-198 111 2 of of ADP issue-198 111 3 the the DET issue-198 111 4 national national PROPN issue-198 111 5 technical technical PROPN issue-198 111 6 university university PROPN issue-198 111 7 " " PUNCT issue-198 111 8 khpi khpi PROPN issue-198 111 9 " " PUNCT issue-198 111 10 , , PUNCT issue-198 111 11 20 20 NUM issue-198 111 12 ( ( PUNCT issue-198 111 13 993 993 NUM issue-198 111 14 ): ): PUNCT issue-198 111 15 146 146 NUM issue-198 111 16 - - SYM issue-198 111 17 154 154 NUM issue-198 111 18 . . PUNCT issue-198 112 1 storozhenko storozhenko PROPN issue-198 112 2 , , PUNCT issue-198 112 3 о о PROPN issue-198 112 4 . . PUNCT issue-198 112 5 ( ( PUNCT issue-198 112 6 2014 2014 NUM issue-198 112 7 ) ) PUNCT issue-198 112 8 . . PUNCT issue-198 113 1 financial financial ADJ issue-198 113 2 mechanism mechanism NOUN issue-198 113 3 mortgage mortgage NOUN issue-198 113 4 . . PUNCT issue-198 114 1 bulletin bulletin PROPN issue-198 114 2 onu onu PROPN issue-198 114 3 , , PUNCT issue-198 114 4 1 1 NUM issue-198 114 5 ( ( PUNCT issue-198 114 6 2 2 NUM issue-198 114 7 ): ): PUNCT issue-198 114 8 141 141 NUM issue-198 114 9 - - SYM issue-198 114 10 145 145 NUM issue-198 114 11 . . PUNCT issue-198 115 1 yakushev yakushev PROPN issue-198 115 2 a.m. a.m. PROPN issue-198 115 3 ( ( PUNCT issue-198 115 4 2006 2006 NUM issue-198 115 5 ) ) PUNCT issue-198 115 6 . . PUNCT issue-198 116 1 development development NOUN issue-198 116 2 funding funding NOUN issue-198 116 3 mechanism mechanism NOUN issue-198 116 4 construction construction NOUN issue-198 116 5 of of ADP issue-198 116 6 housing housing NOUN issue-198 116 7 : : PUNCT issue-198 116 8 abstract abstract ADJ issue-198 116 9 dis dis PROPN issue-198 116 10 . . PUNCT issue-198 117 1 candidate candidate PROPN issue-198 117 2 . . PUNCT issue-198 118 1 ekon ekon PROPN issue-198 118 2 . . PUNCT issue-198 119 1 sciences science NOUN issue-198 119 2 specials special NOUN issue-198 119 3 . . PUNCT issue-198 120 1 08.00.10:240 08.00.10:240 PROPN issue-198 120 2 . . PUNCT issue-198 121 1 виолетта виолетта PROPN issue-198 121 2 харабара харабара PROPN issue-198 121 3 анализ анализ PROPN issue-198 121 4 ипотечного ипотечного VERB issue-198 121 5 кредитования кредитования NOUN issue-198 121 6 в в PROPN issue-198 121 7 банках банках NUM issue-198 121 8 украины украины PROPN issue-198 121 9 аннотация аннотация NOUN issue-198 121 10 . . PUNCT issue-198 122 1 цель цель ADJ issue-198 122 2 работы работы NOUN issue-198 122 3 . . PUNCT issue-198 123 1 ипотечный ипотечный PROPN issue-198 123 2 рынок рынок PROPN issue-198 123 3 , , PUNCT issue-198 123 4 который который PROPN issue-198 123 5 занимает занимает NOUN issue-198 123 6 одно одно NOUN issue-198 123 7 из из PROPN issue-198 123 8 главных главных ADJ issue-198 123 9 мест мест ADJ issue-198 123 10 среди среди NOUN issue-198 123 11 финансовых финансовых PROPN issue-198 123 12 механизмов механизмов ADV issue-198 123 13 экономического экономического ADJ issue-198 123 14 стимулирования стимулирования PROPN issue-198 123 15 и и PROPN issue-198 123 16 устойчивого устойчивого VERB issue-198 123 17 развития развития NOUN issue-198 123 18 экономики экономики NOUN issue-198 123 19 . . PUNCT issue-198 124 1 ипотечное ипотечное NOUN issue-198 124 2 жилищное жилищное VERB issue-198 124 3 кредитование кредитование PROPN issue-198 124 4 охватывает охватывает PROPN issue-198 124 5 предоставление предоставление PROPN issue-198 125 1 долгосрочных долгосрочных PROPN issue-198 125 2 банковских банковских NOUN issue-198 125 3 кредитов кредитов PROPN issue-198 125 4 на на PROPN issue-198 125 5 приобретение приобретение PROPN issue-198 125 6 , , PUNCT issue-198 125 7 строительство строительство PROPN issue-198 125 8 жилой жилой PROPN issue-198 125 9 недвижимости недвижимости PROPN issue-198 125 10 , , PUNCT issue-198 125 11 а а PROPN issue-198 125 12 также также PROPN issue-198 125 13 на на PROPN issue-198 126 1 проведение проведение PROPN issue-198 126 2 ремонтных ремонтных ADJ issue-198 126 3 работ работ PROPN issue-198 126 4 или или NOUN issue-198 126 5 на на PROPN issue-198 126 6 развитие развитие ADJ issue-198 126 7 собственного собственного NOUN issue-198 126 8 малого малого PROPN issue-198 126 9 бизнеса бизнеса PROPN issue-198 126 10 , , PUNCT issue-198 126 11 где где PROPN issue-198 126 12 залогом залогом ADJ issue-198 126 13 по по PROPN issue-198 126 14 такому такому PROPN issue-198 126 15 кредиту кредиту PROPN issue-198 126 16 является является NOUN issue-198 126 17 недвижимое недвижимое VERB issue-198 126 18 имущество имущество PROPN issue-198 126 19 . . PUNCT issue-198 127 1 отличительными отличительными PROPN issue-198 127 2 чертами чертами VERB issue-198 127 3 ипотеки ипотеки PROPN issue-198 127 4 являются являются ADJ issue-198 127 5 : : PUNCT issue-198 127 6 ипотека ипотека ADJ issue-198 127 7 , , PUNCT issue-198 127 8 как как VERB issue-198 127 9 и и PROPN issue-198 127 10 всякий всякий ADJ issue-198 127 11 залог залог NOUN issue-198 127 12 , , PUNCT issue-198 127 13 по по ADP issue-198 127 14 сути сути ADJ issue-198 127 15 , , PUNCT issue-198 127 16 является является ADJ issue-198 127 17 способом способом NOUN issue-198 127 18 обеспечения обеспечения ADJ issue-198 127 19 надлежащего надлежащего PROPN issue-198 127 20 исполнения исполнения PROPN issue-198 127 21 другого другого NOUN issue-198 127 22 ( ( PUNCT issue-198 127 23 основного основного NOUN issue-198 127 24 ) ) PUNCT issue-198 127 25 обязательства обязательства NOUN issue-198 127 26     SPACE issue-198 127 27 – – PUNCT issue-198 127 28 займа займа NOUN issue-198 127 29 или или VERB issue-198 127 30 кредитного кредитного NOUN issue-198 127 31 договора договора PROPN issue-198 127 32 , , PUNCT issue-198 127 33 договора договора PROPN issue-198 127 34 аренды аренды PROPN issue-198 127 35 , , PUNCT issue-198 127 36 подряда подряда NOUN issue-198 127 37 , , PUNCT issue-198 127 38 возмещения возмещения ADV issue-198 127 39 вреда вреда VERB issue-198 127 40 и и NOUN issue-198 127 41 тому тому NOUN issue-198 127 42 подобное подобное NOUN issue-198 127 43 ; ; PUNCT issue-198 127 44 предметом предметом NOUN issue-198 127 45 ипотеки ипотеки NOUN issue-198 127 46 всегда всегда VERB issue-198 127 47 является является NOUN issue-198 127 48 недвижимость недвижимость PROPN issue-198 127 49 . . PUNCT issue-198 128 1 к к PROPN issue-198 128 2 недвижимому недвижимому PROPN issue-198 128 3 имуществу имуществу PROPN issue-198 128 4 относятся относятся ADJ issue-198 128 5 земельные земельные NOUN issue-198 128 6 участки участки NOUN issue-198 128 7 и и PROPN issue-198 128 8 все все NOUN issue-198 128 9 , , PUNCT issue-198 128 10 что что NOUN issue-198 128 11 прочно прочно PROPN issue-198 128 12 с с PROPN issue-198 128 13 ними ними NOUN issue-198 128 14 связано связано NOUN issue-198 128 15 : : PUNCT issue-198 128 16 здания здания NOUN issue-198 128 17 , , PUNCT issue-198 128 18 сооружения сооружения NOUN issue-198 128 19 , , PUNCT issue-198 128 20 многолетние многолетние PROPN issue-198 128 21 baltic baltic PROPN issue-198 128 22 journal journal PROPN issue-198 128 23 of of ADP issue-198 128 24 economic economic ADJ issue-198 128 25 studies study NOUN issue-198 128 26 63 63 NUM issue-198 128 27 vol vol NOUN issue-198 128 28 . . PUNCT issue-198 129 1 3 3 NUM issue-198 129 2 , , PUNCT issue-198 129 3 no no INTJ issue-198 129 4 . . NOUN issue-198 129 5 3 3 NUM issue-198 129 6 , , PUNCT issue-198 129 7 2017 2017 NUM issue-198 129 8 насаждения насаждения VERB issue-198 129 9 и и PROPN issue-198 129 10 т.д т.д PROPN issue-198 129 11 . . PROPN issue-198 129 12 ; ; PUNCT issue-198 129 13 предмет предмет PROPN issue-198 129 14 ипотеки ипотеки ADJ issue-198 129 15 остается остается NOUN issue-198 129 16 во во NUM issue-198 129 17 владении владении ADV issue-198 129 18 должника должника ADJ issue-198 129 19 ; ; PUNCT issue-198 129 20 договор договор VERB issue-198 129 21 кредитора кредитора PROPN issue-198 129 22 и и PROPN issue-198 129 23 должника должника ADJ issue-198 129 24 об об PROPN issue-198 129 25 установлении установлении PROPN issue-198 129 26 ипотеки ипотеки PROPN issue-198 129 27 оформляется оформляется PROPN issue-198 129 28 специальным специальным VERB issue-198 129 29 документом документом PROPN issue-198 129 30 - - PUNCT issue-198 129 31 закладной закладной NOUN issue-198 129 32 , , PUNCT issue-198 129 33 которая которая ADJ issue-198 129 34 также также NOUN issue-198 129 35 подлежит подлежит VERB issue-198 129 36 государственной государственной VERB issue-198 129 37 регистрации регистрации PROPN issue-198 129 38 . . PUNCT issue-198 130 1 метод метод NOUN issue-198 130 2 . . PUNCT issue-198 131 1 ипотечное ипотечное PROPN issue-198 131 2 кредитование кредитование PROPN issue-198 131 3     SPACE issue-198 131 4 – – PUNCT issue-198 131 5 метод метод NOUN issue-198 131 6 накопления накопления VERB issue-198 131 7 финансовых финансовых PROPN issue-198 131 8 ресурсов ресурсов NOUN issue-198 131 9 , , PUNCT issue-198 131 10 эффективного эффективного NOUN issue-198 131 11 инструмента инструмента NOUN issue-198 131 12 банковской банковской NOUN issue-198 131 13 деятельности деятельности X issue-198 131 14 и и PROPN issue-198 131 15 важного важного NOUN issue-198 131 16 фактора фактора NOUN issue-198 131 17 экономического экономического VERB issue-198 131 18 развития развития PROPN issue-198 131 19 страны страны PROPN issue-198 131 20 в в PROPN issue-198 131 21 целом целом PROPN issue-198 131 22 . . PUNCT issue-198 132 1 исследовательские исследовательские PROPN issue-198 132 2 результаты результаты PROPN issue-198 132 3 . . PUNCT issue-198 133 1 рынок рынок PROPN issue-198 133 2 недвижимого недвижимого PROPN issue-198 133 3 имущества имущества VERB issue-198 133 4 и и PROPN issue-198 133 5 финансового финансового NOUN issue-198 133 6 развития развития PROPN issue-198 133 7 услуг услуг PROPN issue-198 133 8 , , PUNCT issue-198 133 9 к к PROPN issue-198 133 10 возрождению возрождению NOUN issue-198 133 11 рынка рынка PROPN issue-198 133 12 фонда фонда NOUN issue-198 133 13 , , PUNCT issue-198 133 14 здесь здесь NOUN issue-198 133 15 ипотечное ипотечное VERB issue-198 133 16 кредитование кредитование PROPN issue-198 133 17 способно способно PROPN issue-198 133 18 не не PROPN issue-198 133 19 только только PROPN issue-198 133 20 , , PUNCT issue-198 133 21 чтобы чтобы VERB issue-198 133 22 активизировать активизировать ADV issue-198 133 23 реформы реформы ADV issue-198 133 24 в в PROPN issue-198 133 25 промышленности промышленности X issue-198 133 26 экономики экономики PROPN issue-198 133 27 , , PUNCT issue-198 133 28 но но ADP issue-198 133 29 и и PROPN issue-198 133 30 постепенно постепенно NOUN issue-198 133 31 , , PUNCT issue-198 133 32 чтобы чтобы VERB issue-198 133 33 обеспечить обеспечить NOUN issue-198 133 34 решение решение NOUN issue-198 133 35 жилищных жилищных PROPN issue-198 133 36 проблем проблем ADV issue-198 133 37 населения населения PROPN issue-198 133 38 . . PUNCT issue-198 134 1 практические практические PROPN issue-198 134 2 последствия последствия VERB issue-198 134 3 заключаются заключаются PROPN issue-198 134 4 в в PROPN issue-198 134 5 решении решении VERB issue-198 134 6 проблем проблем ADV issue-198 134 7 , , PUNCT issue-198 134 8 что что PROPN issue-198 134 9 связаны связаны PROPN issue-198 134 10 с с PROPN issue-198 134 11 рынком рынком PROPN issue-198 134 12 ипотечных ипотечных PROPN issue-198 134 13 услуг услуг PROPN issue-198 134 14 украинского украинского PROPN issue-198 134 15 развития развития PROPN issue-198 134 16 с с PROPN issue-198 134 17 2006 2006 NUM issue-198 134 18 до до DET issue-198 134 19 2016 2016 NUM issue-198 134 20 . . PUNCT issue-198 135 1 оригинальность оригинальность NOUN issue-198 135 2 значения значения NOUN issue-198 135 3 . . PUNCT issue-198 136 1 анализ анализ PROPN issue-198 136 2 развития развития PROPN issue-198 136 3 ипотечного ипотечного VERB issue-198 136 4 рынка рынка PROPN issue-198 136 5 в в PROPN issue-198 136 6 украине украине PROPN issue-198 136 7 свидетельствует свидетельствует PROPN issue-198 136 8 , , PUNCT issue-198 136 9 что что PROPN issue-198 136 10 в в PROPN issue-198 136 11 последнее последнее PROPN issue-198 136 12 время время PROPN issue-198 136 13 его его PROPN issue-198 136 14 объемы объемы PROPN issue-198 136 15 , , PUNCT issue-198 136 16 динамика динамика PROPN issue-198 136 17 и и PROPN issue-198 136 18 тенденции тенденции AUX issue-198 136 19 развития развития PROPN issue-198 136 20 не не PROPN issue-198 136 21 удовлетворяли удовлетворяли PROPN issue-198 136 22 потребности потребности PROPN issue-198 136 23 ни ни PROPN issue-198 136 24 населения населения PROPN issue-198 136 25 , , PUNCT issue-198 136 26 ни ни PROPN issue-198 136 27 застройщиков застройщиков PROPN issue-198 136 28 . . PUNCT issue-198 137 1 в в PROPN issue-198 137 2 условиях условиях PROPN issue-198 137 3 , , PUNCT issue-198 137 4 когда когда ADV issue-198 137 5 динамика динамика PROPN issue-198 137 6 макроэкономических макроэкономических X issue-198 137 7 показателей показателей PROPN issue-198 137 8 не не PROPN issue-198 137 9 дает дает PROPN issue-198 137 10 надежды надежды NOUN issue-198 138 1 на на PROPN issue-198 138 2 быстрый быстрый PROPN issue-198 138 3 выход выход PROPN issue-198 138 4 из из PROPN issue-198 138 5 кризиса кризиса PROPN issue-198 138 6 , , PUNCT issue-198 138 7 а а PROPN issue-198 138 8 высокие высокие PROPN issue-198 138 9 политические политические PROPN issue-198 138 10 риски риски PROPN issue-198 138 11 повышают повышают PROPN issue-198 138 12 неопределенность неопределенность PROPN issue-198 138 13 развития развития PROPN issue-198 138 14 общества общества NOUN issue-198 138 15 , , PUNCT issue-198 138 16 долгосрочное долгосрочное NOUN issue-198 138 17 ипотечное ипотечное NOUN issue-198 138 18 кредитование кредитование PROPN issue-198 139 1 является является PROPN issue-198 139 2 рискованным рискованным PROPN issue-198 139 3 как как VERB issue-198 139 4 для для PROPN issue-198 139 5 банковского банковского NOUN issue-198 139 6 сектора сектора PROPN issue-198 139 7 , , PUNCT issue-198 139 8 так так PROPN issue-198 139 9 и и PROPN issue-198 139 10 для для PROPN issue-198 139 11 заемщиков заемщиков PROPN issue-198 139 12 . . PUNCT issue-198 140 1 реализация реализация PROPN issue-198 140 2 методов методов PROPN issue-198 140 3 в в PROPN issue-198 140 4 комплексе комплексе PROPN issue-198 140 5 с с PROPN issue-198 140 6 продолжением продолжением PROPN issue-198 140 7 рыночных рыночных PROPN issue-198 140 8 реформ реформ PROPN issue-198 140 9 в в PROPN issue-198 140 10 украине украине PROPN issue-198 140 11 будут будут PROPN issue-198 140 12 способствовать способствовать PROPN issue-198 140 13 экономическому экономическому PROPN issue-198 140 14 росту росту PROPN issue-198 140 15 и и PROPN issue-198 140 16 социально социально PROPN issue-198 140 17 - - PUNCT issue-198 140 18 экономическом экономическом ADJ issue-198 140 19 развитии развитии NOUN issue-198 140 20 . . PUNCT