id sid tid token lemma pos issue-34 1 1 baltic baltic PROPN issue-34 1 2 journal journal PROPN issue-34 1 3 of of ADP issue-34 1 4 economic economic ADJ issue-34 1 5 studies study NOUN issue-34 1 6 33 33 NUM issue-34 1 7 vol vol NOUN issue-34 1 8 . . PROPN issue-34 2 1 1 1 NUM issue-34 2 2 , , PUNCT issue-34 2 3 no no INTJ issue-34 2 4 . . NOUN issue-34 2 5 2 2 NUM issue-34 2 6 , , PUNCT issue-34 2 7 2015 2015 NUM issue-34 2 8 improving improve VERB issue-34 2 9 the the DET issue-34 2 10 system system NOUN issue-34 2 11 of of ADP issue-34 2 12 mortgage mortgage NOUN issue-34 2 13 crediting crediting NOUN issue-34 2 14 of of ADP issue-34 2 15 residential residential ADJ issue-34 2 16 real real ADJ issue-34 2 17 estate estate NOUN issue-34 2 18 in in ADP issue-34 2 19 ukraine ukraine ADJ issue-34 2 20 alexander alexander PROPN issue-34 2 21 goloven1 goloven1 PROPN issue-34 2 22 , , PUNCT issue-34 2 23 vladimir vladimir PROPN issue-34 2 24 korneev2 korneev2 PROPN issue-34 2 25 , , PUNCT issue-34 2 26 research research NOUN issue-34 2 27 institute institute PROPN issue-34 2 28 of of ADP issue-34 2 29 economics economics PROPN issue-34 2 30 by by ADP issue-34 2 31 ministry ministry PROPN issue-34 2 32 of of ADP issue-34 2 33 economic economic PROPN issue-34 2 34 development development NOUN issue-34 2 35 and and CCONJ issue-34 2 36 trade trade NOUN issue-34 2 37 of of ADP issue-34 2 38 ukraine ukraine NOUN issue-34 2 39 , , PUNCT issue-34 2 40 ukraine ukraine PROPN issue-34 2 41 abstract abstract NOUN issue-34 2 42 . . PUNCT issue-34 3 1 the the DET issue-34 3 2 purpose purpose NOUN issue-34 3 3 of of ADP issue-34 3 4 the the DET issue-34 3 5 article article NOUN issue-34 3 6 is be AUX issue-34 3 7 to to PART issue-34 3 8 improve improve VERB issue-34 3 9 the the DET issue-34 3 10 system system NOUN issue-34 3 11 of of ADP issue-34 3 12 mortgage mortgage NOUN issue-34 3 13 crediting crediting NOUN issue-34 3 14 of of ADP issue-34 3 15 residential residential ADJ issue-34 3 16 real real ADJ issue-34 3 17 estate estate NOUN issue-34 3 18 in in ADP issue-34 3 19 ukraine ukraine NOUN issue-34 3 20 . . PUNCT issue-34 4 1 mortgage mortgage NOUN issue-34 4 2 lending lending NOUN issue-34 4 3 appeared appear VERB issue-34 4 4 in in ADP issue-34 4 5 ukraine ukraine NOUN issue-34 4 6 in in ADP issue-34 4 7 the the DET issue-34 4 8 early early ADJ issue-34 4 9 xvii xvii ADJ issue-34 4 10 century century NOUN issue-34 4 11 , , PUNCT issue-34 4 12 today today NOUN issue-34 4 13 the the DET issue-34 4 14 actual actual ADJ issue-34 4 15 problem problem NOUN issue-34 4 16 is be AUX issue-34 4 17 a a DET issue-34 4 18 small small ADJ issue-34 4 19 percentage percentage NOUN issue-34 4 20 of of ADP issue-34 4 21 the the DET issue-34 4 22 banking banking NOUN issue-34 4 23 book book NOUN issue-34 4 24 long long ADJ issue-34 4 25 - - PUNCT issue-34 4 26 term term NOUN issue-34 4 27 mortgage mortgage NOUN issue-34 4 28 loans loan NOUN issue-34 4 29 , , PUNCT issue-34 4 30 because because SCONJ issue-34 4 31 banks bank NOUN issue-34 4 32 , , PUNCT issue-34 4 33 on on ADP issue-34 4 34 the the DET issue-34 4 35 one one NUM issue-34 4 36 hand hand NOUN issue-34 4 37 , , PUNCT issue-34 4 38 tend tend VERB issue-34 4 39 to to PART issue-34 4 40 rotate rotate VERB issue-34 4 41 without without ADP issue-34 4 42 the the DET issue-34 4 43 risk risk NOUN issue-34 4 44 of of ADP issue-34 4 45 short short ADJ issue-34 4 46 - - PUNCT issue-34 4 47 term term NOUN issue-34 4 48 funds fund NOUN issue-34 4 49 , , PUNCT issue-34 4 50 another another DET issue-34 4 51 potential potential ADJ issue-34 4 52 borrower borrower NOUN issue-34 4 53 of of ADP issue-34 4 54 these these DET issue-34 4 55 loans loan NOUN issue-34 4 56 , , PUNCT issue-34 4 57 unfortunately unfortunately ADV issue-34 4 58 , , PUNCT issue-34 4 59 is be AUX issue-34 4 60 not not PART issue-34 4 61 creditworthy creditworthy ADJ issue-34 4 62 . . PUNCT issue-34 5 1 however however ADV issue-34 5 2 , , PUNCT issue-34 5 3 despite despite SCONJ issue-34 5 4 the the DET issue-34 5 5 risks risk NOUN issue-34 5 6 , , PUNCT issue-34 5 7 this this DET issue-34 5 8 banking banking NOUN issue-34 5 9 product product NOUN issue-34 5 10 is be AUX issue-34 5 11 a a DET issue-34 5 12 significant significant ADJ issue-34 5 13 factor factor NOUN issue-34 5 14 in in ADP issue-34 5 15 the the DET issue-34 5 16 redistribution redistribution NOUN issue-34 5 17 and and CCONJ issue-34 5 18 accumulation accumulation NOUN issue-34 5 19 of of ADP issue-34 5 20 funds fund NOUN issue-34 5 21 , , PUNCT issue-34 5 22 the the DET issue-34 5 23 transformation transformation NOUN issue-34 5 24 of of ADP issue-34 5 25 private private ADJ issue-34 5 26 savings saving NOUN issue-34 5 27 into into ADP issue-34 5 28 investment investment NOUN issue-34 5 29 resources resource NOUN issue-34 5 30 , , PUNCT issue-34 5 31 the the DET issue-34 5 32 problem problem NOUN issue-34 5 33 of of ADP issue-34 5 34 housing housing NOUN issue-34 5 35 , , PUNCT issue-34 5 36 but but CCONJ issue-34 5 37 also also ADV issue-34 5 38 contributes contribute VERB issue-34 5 39 to to ADP issue-34 5 40 the the DET issue-34 5 41 stabilization stabilization NOUN issue-34 5 42 of of ADP issue-34 5 43 the the DET issue-34 5 44 economy economy NOUN issue-34 5 45 in in ADP issue-34 5 46 the the DET issue-34 5 47 country country NOUN issue-34 5 48 as as ADP issue-34 5 49 a a DET issue-34 5 50 whole whole NOUN issue-34 5 51 . . PUNCT issue-34 6 1 functioning function VERB issue-34 6 2 and and CCONJ issue-34 6 3 the the DET issue-34 6 4 distribution distribution NOUN issue-34 6 5 of of ADP issue-34 6 6 mortgage mortgage NOUN issue-34 6 7 capital capital NOUN issue-34 6 8 , , PUNCT issue-34 6 9 the the DET issue-34 6 10 possible possible ADJ issue-34 6 11 financial financial ADJ issue-34 6 12 risks risk NOUN issue-34 6 13 , , PUNCT issue-34 6 14 the the DET issue-34 6 15 interaction interaction NOUN issue-34 6 16 of of ADP issue-34 6 17 the the DET issue-34 6 18 mortgage mortgage NOUN issue-34 6 19 market market NOUN issue-34 6 20 by by ADP issue-34 6 21 the the DET issue-34 6 22 financial financial ADJ issue-34 6 23 , , PUNCT issue-34 6 24 investment investment NOUN issue-34 6 25 and and CCONJ issue-34 6 26 monetary monetary ADJ issue-34 6 27 affairs affair NOUN issue-34 6 28 , , PUNCT issue-34 6 29 leads lead VERB issue-34 6 30 to to ADP issue-34 6 31 a a DET issue-34 6 32 certain certain ADJ issue-34 6 33 complexity complexity NOUN issue-34 6 34 of of ADP issue-34 6 35 the the DET issue-34 6 36 mechanism mechanism NOUN issue-34 6 37 of of ADP issue-34 6 38 functioning function VERB issue-34 6 39 of of ADP issue-34 6 40 the the DET issue-34 6 41 mortgage mortgage NOUN issue-34 6 42 market market NOUN issue-34 6 43 of of ADP issue-34 6 44 ukraine ukraine NOUN issue-34 6 45 in in ADP issue-34 6 46 general general ADJ issue-34 6 47 . . PUNCT issue-34 7 1 the the DET issue-34 7 2 relevance relevance NOUN issue-34 7 3 of of ADP issue-34 7 4 this this DET issue-34 7 5 topic topic NOUN issue-34 7 6 not not PART issue-34 7 7 only only ADV issue-34 7 8 in in ADP issue-34 7 9 the the DET issue-34 7 10 development development NOUN issue-34 7 11 of of ADP issue-34 7 12 the the DET issue-34 7 13 housing housing NOUN issue-34 7 14 market market NOUN issue-34 7 15 , , PUNCT issue-34 7 16 but but CCONJ issue-34 7 17 also also ADV issue-34 7 18 the the DET issue-34 7 19 feasibility feasibility NOUN issue-34 7 20 studies study NOUN issue-34 7 21 for for ADP issue-34 7 22 the the DET issue-34 7 23 development development NOUN issue-34 7 24 of of ADP issue-34 7 25 this this DET issue-34 7 26 issue issue NOUN issue-34 7 27 . . PUNCT issue-34 8 1 we we PRON issue-34 8 2 present present VERB issue-34 8 3 an an DET issue-34 8 4 analysis analysis NOUN issue-34 8 5 of of ADP issue-34 8 6 the the DET issue-34 8 7 institutional institutional ADJ issue-34 8 8 environment environment NOUN issue-34 8 9 of of ADP issue-34 8 10 mortgage mortgage NOUN issue-34 8 11 lending lending NOUN issue-34 8 12 residential residential ADJ issue-34 8 13 real real ADJ issue-34 8 14 estate estate NOUN issue-34 8 15 , , PUNCT issue-34 8 16 which which PRON issue-34 8 17 gave give VERB issue-34 8 18 an an DET issue-34 8 19 opportunity opportunity NOUN issue-34 8 20 to to PART issue-34 8 21 identify identify VERB issue-34 8 22 and and CCONJ issue-34 8 23 define define VERB issue-34 8 24 the the DET issue-34 8 25 environment environment NOUN issue-34 8 26 of of ADP issue-34 8 27 modern modern ADJ issue-34 8 28 residential residential ADJ issue-34 8 29 real real ADJ issue-34 8 30 estate estate NOUN issue-34 8 31 market market NOUN issue-34 8 32 , , PUNCT issue-34 8 33 its its PRON issue-34 8 34 relationship relationship NOUN issue-34 8 35 with with ADP issue-34 8 36 other other ADJ issue-34 8 37 markets market NOUN issue-34 8 38 . . PUNCT issue-34 9 1 methodology methodology NOUN issue-34 9 2 . . PUNCT issue-34 10 1 the the DET issue-34 10 2 survey survey NOUN issue-34 10 3 is be AUX issue-34 10 4 based base VERB issue-34 10 5 on on ADP issue-34 10 6 institutional institutional ADJ issue-34 10 7 structure structure NOUN issue-34 10 8 of of ADP issue-34 10 9 the the DET issue-34 10 10 mortgage mortgage NOUN issue-34 10 11 market market NOUN issue-34 10 12 that that PRON issue-34 10 13 has have AUX issue-34 10 14 evolved evolve VERB issue-34 10 15 independently independently ADV issue-34 10 16 of of ADP issue-34 10 17 other other ADJ issue-34 10 18 structures structure NOUN issue-34 10 19 , , PUNCT issue-34 10 20 independently independently ADV issue-34 10 21 within within ADP issue-34 10 22 country country NOUN issue-34 10 23 under under ADP issue-34 10 24 the the DET issue-34 10 25 influence influence NOUN issue-34 10 26 of of ADP issue-34 10 27 specific specific ADJ issue-34 10 28 socio socio NOUN issue-34 10 29 - - PUNCT issue-34 10 30 economic economic ADJ issue-34 10 31 environment environment NOUN issue-34 10 32 and and CCONJ issue-34 10 33 economic economic ADJ issue-34 10 34 policy policy NOUN issue-34 10 35 . . PUNCT issue-34 11 1 results result NOUN issue-34 11 2 of of ADP issue-34 11 3 the the DET issue-34 11 4 survey survey NOUN issue-34 11 5 showed show VERB issue-34 11 6 that that SCONJ issue-34 11 7 mortgage mortgage NOUN issue-34 11 8 lending lending NOUN issue-34 11 9 can can AUX issue-34 11 10 be be AUX issue-34 11 11 providing provide VERB issue-34 11 12 the the DET issue-34 11 13 borrower borrower NOUN issue-34 11 14 with with ADP issue-34 11 15 some some DET issue-34 11 16 free free ADJ issue-34 11 17 services service NOUN issue-34 11 18 , , PUNCT issue-34 11 19 such such ADJ issue-34 11 20 as as ADP issue-34 11 21 : : PUNCT issue-34 11 22 long long ADJ issue-34 11 23 - - PUNCT issue-34 11 24 term term NOUN issue-34 11 25 deposit deposit NOUN issue-34 11 26 on on ADP issue-34 11 27 favorable favorable ADJ issue-34 11 28 terms term NOUN issue-34 11 29 , , PUNCT issue-34 11 30 notary notary ADJ issue-34 11 31 services service NOUN issue-34 11 32 , , PUNCT issue-34 11 33 insurance insurance NOUN issue-34 11 34 , , PUNCT issue-34 11 35 discounts discount NOUN issue-34 11 36 on on ADP issue-34 11 37 bank bank NOUN issue-34 11 38 services service NOUN issue-34 11 39 , , PUNCT issue-34 11 40 providing provide VERB issue-34 11 41 services service NOUN issue-34 11 42 to to ADP issue-34 11 43 the the DET issue-34 11 44 bank bank NOUN issue-34 11 45 and and CCONJ issue-34 11 46 the the DET issue-34 11 47 developer developer NOUN issue-34 11 48 , , PUNCT issue-34 11 49 given give VERB issue-34 11 50 appropriate appropriate ADJ issue-34 11 51 training training NOUN issue-34 11 52 of of ADP issue-34 11 53 the the DET issue-34 11 54 borrower borrower NOUN issue-34 11 55 and and CCONJ issue-34 11 56 so so ADV issue-34 11 57 forth forth ADV issue-34 11 58 . . PUNCT issue-34 12 1 practical practical ADJ issue-34 12 2 implications implication NOUN issue-34 12 3 . . PUNCT issue-34 13 1 as as SCONJ issue-34 13 2 practice practice NOUN issue-34 13 3 shows show NOUN issue-34 13 4 , , PUNCT issue-34 13 5 most most ADJ issue-34 13 6 need need VERB issue-34 13 7 mortgage mortgage NOUN issue-34 13 8 loans loan NOUN issue-34 13 9 young young ADJ issue-34 13 10 and and CCONJ issue-34 13 11 wealthy wealthy ADJ issue-34 13 12 clients client NOUN issue-34 13 13 . . PUNCT issue-34 14 1 with with ADP issue-34 14 2 this this DET issue-34 14 3 purpose purpose NOUN issue-34 14 4 , , PUNCT issue-34 14 5 you you PRON issue-34 14 6 need need VERB issue-34 14 7 also also ADV issue-34 14 8 to to PART issue-34 14 9 diversify diversify VERB issue-34 14 10 the the DET issue-34 14 11 types type NOUN issue-34 14 12 of of ADP issue-34 14 13 loans loan NOUN issue-34 14 14 . . PUNCT issue-34 15 1 young young ADJ issue-34 15 2 people people NOUN issue-34 15 3 without without ADP issue-34 15 4 significant significant ADJ issue-34 15 5 income income NOUN issue-34 15 6 , , PUNCT issue-34 15 7 applying apply VERB issue-34 15 8 for for ADP issue-34 15 9 social social ADJ issue-34 15 10 housing housing NOUN issue-34 15 11 , , PUNCT issue-34 15 12 while while SCONJ issue-34 15 13 the the DET issue-34 15 14 wealthy wealthy ADJ issue-34 15 15 – – PUNCT issue-34 15 16 for for ADP issue-34 15 17 luxury luxury NOUN issue-34 15 18 housing housing NOUN issue-34 15 19 and and CCONJ issue-34 15 20 placing place VERB issue-34 15 21 home home NOUN issue-34 15 22 in in ADP issue-34 15 23 a a DET issue-34 15 24 prestigious prestigious ADJ issue-34 15 25 area area NOUN issue-34 15 26 of of ADP issue-34 15 27 the the DET issue-34 15 28 city city NOUN issue-34 15 29 . . PUNCT issue-34 16 1 value value NOUN issue-34 16 2 / / SYM issue-34 16 3 originality originality NOUN issue-34 16 4 . . PUNCT issue-34 17 1 based base VERB issue-34 17 2 on on ADP issue-34 17 3 this this DET issue-34 17 4 survey survey NOUN issue-34 17 5 bank bank NOUN issue-34 17 6 mortgage mortgage NOUN issue-34 17 7 lending lending NOUN issue-34 17 8 should should AUX issue-34 17 9 apply apply VERB issue-34 17 10 new new ADJ issue-34 17 11 forms form NOUN issue-34 17 12 and and CCONJ issue-34 17 13 methods method NOUN issue-34 17 14 of of ADP issue-34 17 15 mortgage mortgage NOUN issue-34 17 16 lending lending NOUN issue-34 17 17 , , PUNCT issue-34 17 18 as as ADV issue-34 17 19 well well ADV issue-34 17 20 as as ADP issue-34 17 21 implement implement VERB issue-34 17 22 the the DET issue-34 17 23 latest late ADJ issue-34 17 24 technology technology NOUN issue-34 17 25 in in ADP issue-34 17 26 the the DET issue-34 17 27 field field NOUN issue-34 17 28 of of ADP issue-34 17 29 providing provide VERB issue-34 17 30 banking banking NOUN issue-34 17 31 services service NOUN issue-34 17 32 and and CCONJ issue-34 17 33 lending lending NOUN issue-34 17 34 , , PUNCT issue-34 17 35 especially especially ADV issue-34 17 36 mortgages mortgage NOUN issue-34 17 37 not not PART issue-34 17 38 only only ADV issue-34 17 39 in in ADP issue-34 17 40 ukraine ukraine NOUN issue-34 17 41 , , PUNCT issue-34 17 42 but but CCONJ issue-34 17 43 in in ADP issue-34 17 44 other other ADJ issue-34 17 45 developing develop VERB issue-34 17 46 countries country NOUN issue-34 17 47 . . PUNCT issue-34 18 1 key key ADJ issue-34 18 2 words word NOUN issue-34 18 3 : : PUNCT issue-34 18 4 banking banking NOUN issue-34 18 5 , , PUNCT issue-34 18 6 mortgage mortgage NOUN issue-34 18 7 , , PUNCT issue-34 18 8 lending lending NOUN issue-34 18 9 , , PUNCT issue-34 18 10 market market NOUN issue-34 18 11 , , PUNCT issue-34 18 12 institution institution NOUN issue-34 18 13 , , PUNCT issue-34 18 14 residential residential ADJ issue-34 18 15 real real ADJ issue-34 18 16 estate estate NOUN issue-34 18 17 . . PUNCT issue-34 19 1 jel jel PROPN issue-34 19 2 classification classification PROPN issue-34 19 3 : : PUNCT issue-34 19 4 g21 g21 PROPN issue-34 19 5 , , PUNCT issue-34 19 6 g29 g29 PROPN issue-34 19 7 , , PUNCT issue-34 19 8 g24 g24 NOUN issue-34 19 9 1 1 NUM issue-34 19 10 . . PUNCT issue-34 20 1 introduction introduction NOUN issue-34 20 2 corresponding corresponding ADJ issue-34 20 3 author author NOUN issue-34 20 4 : : PUNCT issue-34 20 5 1 1 NUM issue-34 20 6 department department NOUN issue-34 20 7 of of ADP issue-34 20 8 financial financial ADJ issue-34 20 9 and and CCONJ issue-34 20 10 budget budget NOUN issue-34 20 11 policy policy NOUN issue-34 20 12 , , PUNCT issue-34 20 13 research research NOUN issue-34 20 14 institute institute PROPN issue-34 20 15 of of ADP issue-34 20 16 economics economics PROPN issue-34 20 17 by by ADP issue-34 20 18 ministry ministry PROPN issue-34 20 19 of of ADP issue-34 20 20 economic economic PROPN issue-34 20 21 development development NOUN issue-34 20 22 and and CCONJ issue-34 20 23 trade trade NOUN issue-34 20 24 of of ADP issue-34 20 25 ukraine ukraine NOUN issue-34 20 26 . . PUNCT issue-34 21 1 e e X issue-34 21 2 - - NOUN issue-34 21 3 mail mail NOUN issue-34 21 4 : : PUNCT issue-34 21 5 alexandr_goloven@ukr.net alexandr_goloven@ukr.net PROPN issue-34 21 6 2 2 NUM issue-34 21 7 department department NOUN issue-34 21 8 of of ADP issue-34 21 9 financial financial ADJ issue-34 21 10 and and CCONJ issue-34 21 11 budget budget NOUN issue-34 21 12 policy policy NOUN issue-34 21 13 , , PUNCT issue-34 21 14 research research NOUN issue-34 21 15 institute institute PROPN issue-34 21 16 of of ADP issue-34 21 17 economics economics PROPN issue-34 21 18 by by ADP issue-34 21 19 ministry ministry PROPN issue-34 21 20 of of ADP issue-34 21 21 economic economic PROPN issue-34 21 22 development development NOUN issue-34 21 23 and and CCONJ issue-34 21 24 trade trade NOUN issue-34 21 25 of of ADP issue-34 21 26 ukraine ukraine NOUN issue-34 21 27 . . PUNCT issue-34 22 1 e e X issue-34 22 2 - - NOUN issue-34 22 3 mail mail NOUN issue-34 22 4 : : PUNCT issue-34 22 5 vkorn27@list.ru vkorn27@list.ru NUM issue-34 22 6 at at ADP issue-34 22 7 the the DET issue-34 22 8 moment moment NOUN issue-34 22 9 in in ADP issue-34 22 10 ukraine ukraine PROPN issue-34 22 11 quite quite ADV issue-34 22 12 intensively intensively ADV issue-34 22 13 a a DET issue-34 22 14 system system NOUN issue-34 22 15 of of ADP issue-34 22 16 effective effective ADJ issue-34 22 17 regulation regulation NOUN issue-34 22 18 of of ADP issue-34 22 19 mortgage mortgage NOUN issue-34 22 20 lending lending NOUN issue-34 22 21 is be AUX issue-34 22 22 being be AUX issue-34 22 23 formed form VERB issue-34 22 24 . . PUNCT issue-34 23 1 this this PRON issue-34 23 2 is be AUX issue-34 23 3 primarily primarily ADV issue-34 23 4 due due ADJ issue-34 23 5 to to ADP issue-34 23 6 the the DET issue-34 23 7 fact fact NOUN issue-34 23 8 that that SCONJ issue-34 23 9 quite quite DET issue-34 23 10 a a DET issue-34 23 11 large large ADJ issue-34 23 12 number number NOUN issue-34 23 13 of of ADP issue-34 23 14 the the DET issue-34 23 15 population population NOUN issue-34 23 16 lack lack VERB issue-34 23 17 adequate adequate ADJ issue-34 23 18 housing housing NOUN issue-34 23 19 , , PUNCT issue-34 23 20 and and CCONJ issue-34 23 21 secondly secondly ADV issue-34 23 22 , , PUNCT issue-34 23 23 banks bank NOUN issue-34 23 24 provide provide VERB issue-34 23 25 loans loan NOUN issue-34 23 26 for for ADP issue-34 23 27 housing housing NOUN issue-34 23 28 , , PUNCT issue-34 23 29 as as SCONJ issue-34 23 30 better well ADJ issue-34 23 31 collateral collateral NOUN issue-34 23 32 than than ADP issue-34 23 33 housing housing NOUN issue-34 23 34 do do AUX issue-34 23 35 not not PART issue-34 23 36 exist exist VERB issue-34 23 37 today today NOUN issue-34 23 38 . . PUNCT issue-34 24 1 the the DET issue-34 24 2 implementation implementation NOUN issue-34 24 3 of of ADP issue-34 24 4 the the DET issue-34 24 5 policy policy NOUN issue-34 24 6 of of ADP issue-34 24 7 mortgage mortgage NOUN issue-34 24 8 lending lending NOUN issue-34 24 9 , , PUNCT issue-34 24 10 in in ADP issue-34 24 11 turn turn NOUN issue-34 24 12 , , PUNCT issue-34 24 13 requires require VERB issue-34 24 14 the the DET issue-34 24 15 creation creation NOUN issue-34 24 16 of of ADP issue-34 24 17 conditions condition NOUN issue-34 24 18 for for ADP issue-34 24 19 development development NOUN issue-34 24 20 of of ADP issue-34 24 21 the the DET issue-34 24 22 property property NOUN issue-34 24 23 market market NOUN issue-34 24 24 and and CCONJ issue-34 24 25 constant constant ADJ issue-34 24 26 expansion expansion NOUN issue-34 24 27 of of ADP issue-34 24 28 the the DET issue-34 24 29 sphere sphere NOUN issue-34 24 30 of of ADP issue-34 24 31 housing housing NOUN issue-34 24 32 . . PUNCT issue-34 25 1 in in ADP issue-34 25 2 this this DET issue-34 25 3 case case NOUN issue-34 25 4 , , PUNCT issue-34 25 5 only only ADV issue-34 25 6 the the DET issue-34 25 7 state state NOUN issue-34 25 8 is be AUX issue-34 25 9 able able ADJ issue-34 25 10 to to PART issue-34 25 11 take take VERB issue-34 25 12 on on ADP issue-34 25 13 organizational organizational ADJ issue-34 25 14 , , PUNCT issue-34 25 15 economic economic ADJ issue-34 25 16 , , PUNCT issue-34 25 17 financial financial ADJ issue-34 25 18 and and CCONJ issue-34 25 19 legal legal ADJ issue-34 25 20 support support NOUN issue-34 25 21 for for ADP issue-34 25 22 the the DET issue-34 25 23 mortgage mortgage NOUN issue-34 25 24 market market NOUN issue-34 25 25 residential residential ADJ issue-34 25 26 real real ADJ issue-34 25 27 estate estate NOUN issue-34 25 28 . . PUNCT issue-34 26 1 the the DET issue-34 26 2 development development NOUN issue-34 26 3 of of ADP issue-34 26 4 market market NOUN issue-34 26 5 relations relation NOUN issue-34 26 6 in in ADP issue-34 26 7 our our PRON issue-34 26 8 country country NOUN issue-34 26 9 , , PUNCT issue-34 26 10 the the DET issue-34 26 11 changing change VERB issue-34 26 12 economic economic ADJ issue-34 26 13 structure structure NOUN issue-34 26 14 of of ADP issue-34 26 15 society society NOUN issue-34 26 16 , , PUNCT issue-34 26 17 especially especially ADV issue-34 26 18 in in ADP issue-34 26 19 recent recent ADJ issue-34 26 20 decades decade NOUN issue-34 26 21 , , PUNCT issue-34 26 22 that that PRON issue-34 26 23 has have AUX issue-34 26 24 guided guide VERB issue-34 26 25 both both DET issue-34 26 26 state state NOUN issue-34 26 27 and and CCONJ issue-34 26 28 non non ADJ issue-34 26 29 - - ADJ issue-34 26 30 state state ADJ issue-34 26 31 legal legal ADJ issue-34 26 32 institutions institution NOUN issue-34 26 33 that that PRON issue-34 26 34 can can AUX issue-34 26 35 ensure ensure VERB issue-34 26 36 effective effective ADJ issue-34 26 37 functioning functioning NOUN issue-34 26 38 on on ADP issue-34 26 39 the the DET issue-34 26 40 market market NOUN issue-34 26 41 . . PUNCT issue-34 27 1 as as SCONJ issue-34 27 2 evidenced evidence VERB issue-34 27 3 by by ADP issue-34 27 4 the the DET issue-34 27 5 experience experience NOUN issue-34 27 6 of of ADP issue-34 27 7 developed develop VERB issue-34 27 8 countries country NOUN issue-34 27 9 , , PUNCT issue-34 27 10 the the DET issue-34 27 11 system system NOUN issue-34 27 12 of of ADP issue-34 27 13 mortgage mortgage NOUN issue-34 27 14 lending lending NOUN issue-34 27 15 solves solve VERB issue-34 27 16 both both CCONJ issue-34 27 17 economic economic ADJ issue-34 27 18 and and CCONJ issue-34 27 19 social social ADJ issue-34 27 20 problems problem NOUN issue-34 27 21 . . PUNCT issue-34 28 1 therefore therefore ADV issue-34 28 2 , , PUNCT issue-34 28 3 the the DET issue-34 28 4 introduction introduction NOUN issue-34 28 5 of of ADP issue-34 28 6 our our PRON issue-34 28 7 country country NOUN issue-34 28 8 effective effective ADJ issue-34 28 9 system system NOUN issue-34 28 10 of of ADP issue-34 28 11 mortgage mortgage NOUN issue-34 28 12 crediting crediting NOUN issue-34 28 13 of of ADP issue-34 28 14 residential residential ADJ issue-34 28 15 real real ADJ issue-34 28 16 estate estate NOUN issue-34 28 17 contribute contribute VERB issue-34 28 18 significantly significantly ADV issue-34 28 19 to to PART issue-34 28 20 socio socio VERB issue-34 28 21 - - PUNCT issue-34 28 22 economic economic ADJ issue-34 28 23 stabilization stabilization NOUN issue-34 28 24 of of ADP issue-34 28 25 the the DET issue-34 28 26 economy economy NOUN issue-34 28 27 . . PUNCT issue-34 29 1 to to PART issue-34 29 2 do do VERB issue-34 29 3 this this PRON issue-34 29 4 we we PRON issue-34 29 5 first first ADV issue-34 29 6 need need VERB issue-34 29 7 to to PART issue-34 29 8 solve solve VERB issue-34 29 9 economic economic ADJ issue-34 29 10 and and CCONJ issue-34 29 11 legal legal ADJ issue-34 29 12 problems problem NOUN issue-34 29 13 in in ADP issue-34 29 14 the the DET issue-34 29 15 field field NOUN issue-34 29 16 of of ADP issue-34 29 17 mortgage mortgage NOUN issue-34 29 18 , , PUNCT issue-34 29 19 without without ADP issue-34 29 20 which which PRON issue-34 29 21 it it PRON issue-34 29 22 is be AUX issue-34 29 23 baltic baltic ADJ issue-34 29 24 journal journal NOUN issue-34 29 25 of of ADP issue-34 29 26 economic economic ADJ issue-34 29 27 studies study NOUN issue-34 29 28 34 34 NUM issue-34 29 29 vol vol NOUN issue-34 29 30 . . PROPN issue-34 30 1 1 1 NUM issue-34 30 2 , , PUNCT issue-34 30 3 no no INTJ issue-34 30 4 . . NOUN issue-34 30 5 2 2 NUM issue-34 30 6 , , PUNCT issue-34 30 7 2015 2015 NUM issue-34 30 8 impossible impossible ADJ issue-34 30 9 to to PART issue-34 30 10 establish establish VERB issue-34 30 11 the the DET issue-34 30 12 legal legal ADJ issue-34 30 13 institute institute NOUN issue-34 30 14 of of ADP issue-34 30 15 mortgage mortgage NOUN issue-34 30 16 relevant relevant ADJ issue-34 30 17 content content NOUN issue-34 30 18 , , PUNCT issue-34 30 19 which which PRON issue-34 30 20 would would AUX issue-34 30 21 ensure ensure VERB issue-34 30 22 its its PRON issue-34 30 23 effective effective ADJ issue-34 30 24 implementation implementation NOUN issue-34 30 25 . . PUNCT issue-34 31 1 however however ADV issue-34 31 2 , , PUNCT issue-34 31 3 the the DET issue-34 31 4 solution solution NOUN issue-34 31 5 to to ADP issue-34 31 6 these these DET issue-34 31 7 problems problem NOUN issue-34 31 8 is be AUX issue-34 31 9 very very ADV issue-34 31 10 important important ADJ issue-34 31 11 and and CCONJ issue-34 31 12 simple simple ADJ issue-34 31 13 question question NOUN issue-34 31 14 , , PUNCT issue-34 31 15 which which PRON issue-34 31 16 is be AUX issue-34 31 17 due due ADJ issue-34 31 18 not not PART issue-34 31 19 only only ADV issue-34 31 20 to to ADP issue-34 31 21 significant significant ADJ issue-34 31 22 complexity complexity NOUN issue-34 31 23 of of ADP issue-34 31 24 the the DET issue-34 31 25 mortgage mortgage NOUN issue-34 31 26 relationship relationship NOUN issue-34 31 27 , , PUNCT issue-34 31 28 but but CCONJ issue-34 31 29 the the DET issue-34 31 30 ambiguity ambiguity NOUN issue-34 31 31 of of ADP issue-34 31 32 their their PRON issue-34 31 33 legal legal ADJ issue-34 31 34 nature nature NOUN issue-34 31 35 and and CCONJ issue-34 31 36 many many ADJ issue-34 31 37 forms form NOUN issue-34 31 38 of of ADP issue-34 31 39 application application NOUN issue-34 31 40 . . PUNCT issue-34 32 1 the the DET issue-34 32 2 primary primary ADJ issue-34 32 3 goal goal NOUN issue-34 32 4 of of ADP issue-34 32 5 state state NOUN issue-34 32 6 policy policy NOUN issue-34 32 7 in in ADP issue-34 32 8 the the DET issue-34 32 9 sphere sphere NOUN issue-34 32 10 of of ADP issue-34 32 11 mortgage mortgage NOUN issue-34 32 12 crediting crediting NOUN issue-34 32 13 of of ADP issue-34 32 14 residential residential ADJ issue-34 32 15 property property NOUN issue-34 32 16 must must AUX issue-34 32 17 be be AUX issue-34 32 18 consistent consistent ADJ issue-34 32 19 creation creation NOUN issue-34 32 20 of of ADP issue-34 32 21 institutional institutional ADJ issue-34 32 22 environment environment NOUN issue-34 32 23 favorable favorable ADJ issue-34 32 24 for for ADP issue-34 32 25 the the DET issue-34 32 26 development development NOUN issue-34 32 27 of of ADP issue-34 32 28 national national ADJ issue-34 32 29 banking banking NOUN issue-34 32 30 institutions institution NOUN issue-34 32 31 and and CCONJ issue-34 32 32 related related ADJ issue-34 32 33 organizations organization NOUN issue-34 32 34 , , PUNCT issue-34 32 35 their their PRON issue-34 32 36 interaction interaction NOUN issue-34 32 37 with with ADP issue-34 32 38 potential potential ADJ issue-34 32 39 clients client NOUN issue-34 32 40 – – PUNCT issue-34 32 41 borrowers borrower NOUN issue-34 32 42 , , PUNCT issue-34 32 43 who who PRON issue-34 32 44 need need VERB issue-34 32 45 housing housing NOUN issue-34 32 46 or or CCONJ issue-34 32 47 its its PRON issue-34 32 48 improvement improvement NOUN issue-34 32 49 . . PUNCT issue-34 33 1 2 2 X issue-34 33 2 . . X issue-34 33 3 improving improve VERB issue-34 33 4 the the DET issue-34 33 5 efficiency efficiency NOUN issue-34 33 6 of of ADP issue-34 33 7 mortgage mortgage NOUN issue-34 33 8 lending lending NOUN issue-34 33 9 coming come VERB issue-34 33 10 from from ADP issue-34 33 11 the the DET issue-34 33 12 nature nature NOUN issue-34 33 13 of of ADP issue-34 33 14 mortgage mortgage NOUN issue-34 33 15 lending lending NOUN issue-34 33 16 , , PUNCT issue-34 33 17 which which PRON issue-34 33 18 underpins underpin VERB issue-34 33 19 the the DET issue-34 33 20 development development NOUN issue-34 33 21 of of ADP issue-34 33 22 the the DET issue-34 33 23 real real ADJ issue-34 33 24 estate estate NOUN issue-34 33 25 market market NOUN issue-34 33 26 , , PUNCT issue-34 33 27 mortgage mortgage NOUN issue-34 33 28 lending lending NOUN issue-34 33 29 is be AUX issue-34 33 30 a a DET issue-34 33 31 multifaceted multifaceted ADJ issue-34 33 32 education education NOUN issue-34 33 33 , , PUNCT issue-34 33 34 which which PRON issue-34 33 35 , , PUNCT issue-34 33 36 in in ADP issue-34 33 37 addition addition NOUN issue-34 33 38 to to ADP issue-34 33 39 the the DET issue-34 33 40 large large ADJ issue-34 33 41 number number NOUN issue-34 33 42 of of ADP issue-34 33 43 elements element NOUN issue-34 33 44 inherent inherent ADJ issue-34 33 45 in in ADP issue-34 33 46 the the DET issue-34 33 47 complex complex ADJ issue-34 33 48 relationship relationship NOUN issue-34 33 49 between between ADP issue-34 33 50 the the DET issue-34 33 51 relevant relevant ADJ issue-34 33 52 components component NOUN issue-34 33 53 . . PUNCT issue-34 34 1 one one NUM issue-34 34 2 of of ADP issue-34 34 3 the the DET issue-34 34 4 key key ADJ issue-34 34 5 factors factor NOUN issue-34 34 6 of of ADP issue-34 34 7 improving improve VERB issue-34 34 8 the the DET issue-34 34 9 efficiency efficiency NOUN issue-34 34 10 of of ADP issue-34 34 11 mortgage mortgage NOUN issue-34 34 12 lending lending NOUN issue-34 34 13 as as ADP issue-34 34 14 the the DET issue-34 34 15 basis basis NOUN issue-34 34 16 for for ADP issue-34 34 17 the the DET issue-34 34 18 development development NOUN issue-34 34 19 of of ADP issue-34 34 20 the the DET issue-34 34 21 real real ADJ issue-34 34 22 estate estate NOUN issue-34 34 23 market market NOUN issue-34 34 24 , , PUNCT issue-34 34 25 as as SCONJ issue-34 34 26 noted note VERB issue-34 34 27 above above ADV issue-34 34 28 , , PUNCT issue-34 34 29 is be AUX issue-34 34 30 the the DET issue-34 34 31 necessity necessity NOUN issue-34 34 32 of of ADP issue-34 34 33 building build VERB issue-34 34 34 efficient efficient ADJ issue-34 34 35 institutions institution NOUN issue-34 34 36 in in ADP issue-34 34 37 the the DET issue-34 34 38 existence existence NOUN issue-34 34 39 and and CCONJ issue-34 34 40 activity activity NOUN issue-34 34 41 of of ADP issue-34 34 42 which which PRON issue-34 34 43 see see VERB issue-34 34 44 the the DET issue-34 34 45 possibility possibility NOUN issue-34 34 46 of of ADP issue-34 34 47 solving solve VERB issue-34 34 48 economic economic ADJ issue-34 34 49 and and CCONJ issue-34 34 50 social social ADJ issue-34 34 51 problems problem NOUN issue-34 34 52 in in ADP issue-34 34 53 ukrainian ukrainian ADJ issue-34 34 54 society society NOUN issue-34 34 55 . . PUNCT issue-34 35 1 to to PART issue-34 35 2 focus focus VERB issue-34 35 3 on on ADP issue-34 35 4 solving solve VERB issue-34 35 5 this this DET issue-34 35 6 problem problem NOUN issue-34 35 7 required require VERB issue-34 35 8 the the DET issue-34 35 9 clarification clarification NOUN issue-34 35 10 and and CCONJ issue-34 35 11 understanding understanding NOUN issue-34 35 12 of of ADP issue-34 35 13 the the DET issue-34 35 14 role role NOUN issue-34 35 15 and and CCONJ issue-34 35 16 place place NOUN issue-34 35 17 of of ADP issue-34 35 18 the the DET issue-34 35 19 mortgage mortgage NOUN issue-34 35 20 market market NOUN issue-34 35 21 in in ADP issue-34 35 22 the the DET issue-34 35 23 national national ADJ issue-34 35 24 economy economy NOUN issue-34 35 25 , , PUNCT issue-34 35 26 identification identification NOUN issue-34 35 27 of of ADP issue-34 35 28 functional functional ADJ issue-34 35 29 connections connection NOUN issue-34 35 30 of of ADP issue-34 35 31 the the DET issue-34 35 32 mortgage mortgage NOUN issue-34 35 33 market market NOUN issue-34 35 34 with with ADP issue-34 35 35 other other ADJ issue-34 35 36 elements element NOUN issue-34 35 37 of of ADP issue-34 35 38 the the DET issue-34 35 39 economic economic ADJ issue-34 35 40 system system NOUN issue-34 35 41 , , PUNCT issue-34 35 42 clarifying clarify VERB issue-34 35 43 the the DET issue-34 35 44 factors factor NOUN issue-34 35 45 affecting affect VERB issue-34 35 46 changes change NOUN issue-34 35 47 in in ADP issue-34 35 48 the the DET issue-34 35 49 system system NOUN issue-34 35 50 of of ADP issue-34 35 51 development development NOUN issue-34 35 52 of of ADP issue-34 35 53 residential residential ADJ issue-34 35 54 properties property NOUN issue-34 35 55 and and CCONJ issue-34 35 56 its its PRON issue-34 35 57 activity activity NOUN issue-34 35 58 . . PUNCT issue-34 36 1 obviously obviously ADV issue-34 36 2 , , PUNCT issue-34 36 3 compliance compliance NOUN issue-34 36 4 and and CCONJ issue-34 36 5 reliability reliability NOUN issue-34 36 6 of of ADP issue-34 36 7 such such ADJ issue-34 36 8 research research NOUN issue-34 36 9 to to ADP issue-34 36 10 specific specific ADJ issue-34 36 11 economic economic ADJ issue-34 36 12 conditions condition NOUN issue-34 36 13 is be AUX issue-34 36 14 only only ADV issue-34 36 15 possible possible ADJ issue-34 36 16 with with ADP issue-34 36 17 a a DET issue-34 36 18 clear clear ADJ issue-34 36 19 understanding understanding NOUN issue-34 36 20 and and CCONJ issue-34 36 21 definition definition NOUN issue-34 36 22 of of ADP issue-34 36 23 the the DET issue-34 36 24 institutional institutional ADJ issue-34 36 25 framework framework NOUN issue-34 36 26 of of ADP issue-34 36 27 mortgage mortgage NOUN issue-34 36 28 lending lending NOUN issue-34 36 29 residential residential ADJ issue-34 36 30 real real ADJ issue-34 36 31 estate estate NOUN issue-34 36 32 , , PUNCT issue-34 36 33 especially especially ADV issue-34 36 34 in in ADP issue-34 36 35 the the DET issue-34 36 36 context context NOUN issue-34 36 37 of of ADP issue-34 36 38 post post ADJ issue-34 36 39 - - ADJ issue-34 36 40 crisis crisis ADJ issue-34 36 41 phenomena phenomenon NOUN issue-34 36 42 . . PUNCT issue-34 37 1 in in ADP issue-34 37 2 the the DET issue-34 37 3 context context NOUN issue-34 37 4 of of ADP issue-34 37 5 the the DET issue-34 37 6 issue issue NOUN issue-34 37 7 of of ADP issue-34 37 8 the the DET issue-34 37 9 institutional institutional ADJ issue-34 37 10 framework framework NOUN issue-34 37 11 of of ADP issue-34 37 12 mortgage mortgage NOUN issue-34 37 13 lending lending NOUN issue-34 37 14 , , PUNCT issue-34 37 15 in in ADP issue-34 37 16 our our PRON issue-34 37 17 view view NOUN issue-34 37 18 , , PUNCT issue-34 37 19 it it PRON issue-34 37 20 is be AUX issue-34 37 21 useful useful ADJ issue-34 37 22 to to PART issue-34 37 23 consider consider VERB issue-34 37 24 two two NUM issue-34 37 25 categories category NOUN issue-34 37 26 in in ADP issue-34 37 27 the the DET issue-34 37 28 field field NOUN issue-34 37 29 of of ADP issue-34 37 30 institutionalism institutionalism NOUN issue-34 37 31 as as ADP issue-34 37 32 an an DET issue-34 37 33 economic economic ADJ issue-34 37 34 doctrine doctrine NOUN issue-34 37 35 based base VERB issue-34 37 36 on on ADP issue-34 37 37 the the DET issue-34 37 38 study study NOUN issue-34 37 39 of of ADP issue-34 37 40 human human ADJ issue-34 37 41 relationships relationship NOUN issue-34 37 42 , , PUNCT issue-34 37 43 institutions institution NOUN issue-34 37 44 , , PUNCT issue-34 37 45 governance governance NOUN issue-34 37 46 , , PUNCT issue-34 37 47 regulation regulation NOUN issue-34 37 48 and and CCONJ issue-34 37 49 law law NOUN issue-34 37 50 and and CCONJ issue-34 37 51 society society NOUN issue-34 37 52 . . PUNCT issue-34 38 1 the the DET issue-34 38 2 first first ADJ issue-34 38 3 category category NOUN issue-34 38 4 is be AUX issue-34 38 5 “ " PUNCT issue-34 38 6 the the DET issue-34 38 7 institution institution NOUN issue-34 38 8 ” " PUNCT issue-34 38 9 , , PUNCT issue-34 38 10 the the DET issue-34 38 11 second second ADJ issue-34 38 12 “ " PUNCT issue-34 38 13 institute institute NOUN issue-34 38 14 ” " PUNCT issue-34 38 15 . . PUNCT issue-34 39 1 in in ADP issue-34 39 2 the the DET issue-34 39 3 use use NOUN issue-34 39 4 of of ADP issue-34 39 5 the the DET issue-34 39 6 terms term NOUN issue-34 39 7 “ " PUNCT issue-34 39 8 institute institute NOUN issue-34 39 9 ” " PUNCT issue-34 39 10 ( ( PUNCT issue-34 39 11 lat lat PROPN issue-34 39 12 . . PUNCT issue-34 40 1 institutio institutio PROPN issue-34 40 2 , , PUNCT issue-34 40 3 in in ADP issue-34 40 4 french french ADJ issue-34 40 5 , , PUNCT issue-34 40 6 english english ADJ issue-34 40 7 : : PUNCT issue-34 40 8 institution institution NOUN issue-34 40 9 ) ) PUNCT issue-34 40 10 and and CCONJ issue-34 40 11 “ " PUNCT issue-34 40 12 institute institute NOUN issue-34 40 13 ” " PUNCT issue-34 40 14 ( ( PUNCT issue-34 40 15 lat lat PROPN issue-34 40 16 . . PUNCT issue-34 40 17 institutum institutum PROPN issue-34 40 18 , , PUNCT issue-34 40 19 in in ADP issue-34 40 20 french french ADJ issue-34 40 21 , , PUNCT issue-34 40 22 english english PROPN issue-34 40 23 : : PUNCT issue-34 40 24 institute institute PROPN issue-34 40 25 ) ) PUNCT issue-34 40 26 is be AUX issue-34 40 27 manifest manifest ADJ issue-34 40 28 not not PART issue-34 40 29 only only ADV issue-34 40 30 linguistically linguistically ADV issue-34 40 31 , , PUNCT issue-34 40 32 but but CCONJ issue-34 40 33 also also ADV issue-34 40 34 essential essential ADJ issue-34 40 35 content content NOUN issue-34 40 36 . . PUNCT issue-34 41 1 so so ADV issue-34 41 2 , , PUNCT issue-34 41 3 considering consider VERB issue-34 41 4 some some PRON issue-34 41 5 of of ADP issue-34 41 6 the the DET issue-34 41 7 institute institute NOUN issue-34 41 8 scientists scientist NOUN issue-34 41 9 in in ADP issue-34 41 10 terms term NOUN issue-34 41 11 of of ADP issue-34 41 12 customs custom NOUN issue-34 41 13 , , PUNCT issue-34 41 14 habits habit NOUN issue-34 41 15 , , PUNCT issue-34 41 16 informal informal ADJ issue-34 41 17 systems system NOUN issue-34 41 18 , , PUNCT issue-34 41 19 and and CCONJ issue-34 41 20 the the DET issue-34 41 21 institute institute NOUN issue-34 41 22 – – PUNCT issue-34 41 23 in in ADP issue-34 41 24 the the DET issue-34 41 25 sense sense NOUN issue-34 41 26 of of ADP issue-34 41 27 the the DET issue-34 41 28 formalized formalize VERB issue-34 41 29 incarnation incarnation NOUN issue-34 41 30 and and CCONJ issue-34 41 31 formalizing formalizing NOUN issue-34 41 32 institutions institution NOUN issue-34 41 33 . . PUNCT issue-34 42 1 some some DET issue-34 42 2 scientists scientist NOUN issue-34 42 3 under under ADP issue-34 42 4 the the DET issue-34 42 5 institute institute NOUN issue-34 42 6 of of ADP issue-34 42 7 any any DET issue-34 42 8 stable stable ADJ issue-34 42 9 community community NOUN issue-34 42 10 of of ADP issue-34 42 11 people people NOUN issue-34 42 12 to to PART issue-34 42 13 achieve achieve VERB issue-34 42 14 a a DET issue-34 42 15 full full ADJ issue-34 42 16 and and CCONJ issue-34 42 17 real real ADJ issue-34 42 18 expression expression NOUN issue-34 42 19 of of ADP issue-34 42 20 certain certain ADJ issue-34 42 21 goal goal NOUN issue-34 42 22 – – PUNCT issue-34 42 23 state state NOUN issue-34 42 24 , , PUNCT issue-34 42 25 family family NOUN issue-34 42 26 , , PUNCT issue-34 42 27 party party NOUN issue-34 42 28 , , PUNCT issue-34 42 29 church church NOUN issue-34 42 30 , , PUNCT issue-34 42 31 trade trade NOUN issue-34 42 32 union union NOUN issue-34 42 33 , , PUNCT issue-34 42 34 etc etc X issue-34 42 35 . . X issue-34 42 36 and and CCONJ issue-34 42 37 institution institution NOUN issue-34 42 38 – – PUNCT issue-34 42 39 institution institution NOUN issue-34 42 40 – – PUNCT issue-34 42 41 the the DET issue-34 42 42 body body NOUN issue-34 42 43 of of ADP issue-34 42 44 law law NOUN issue-34 42 45 covering cover VERB issue-34 42 46 a a DET issue-34 42 47 range range NOUN issue-34 42 48 of of ADP issue-34 42 49 public public ADJ issue-34 42 50 institutions institution NOUN issue-34 42 51 : : PUNCT issue-34 42 52 educational educational ADJ issue-34 42 53 institutions institution NOUN issue-34 42 54 , , PUNCT issue-34 42 55 research research NOUN issue-34 42 56 institutions institution NOUN issue-34 42 57 , , PUNCT issue-34 42 58 banking banking NOUN issue-34 42 59 institutions institution NOUN issue-34 42 60 , , PUNCT issue-34 42 61 building building NOUN issue-34 42 62 organizations organization NOUN issue-34 42 63 , , PUNCT issue-34 42 64 etc etc X issue-34 42 65 . . X issue-34 42 66 by by ADP issue-34 42 67 analysing analyse VERB issue-34 42 68 the the DET issue-34 42 69 number number NOUN issue-34 42 70 of of ADP issue-34 42 71 scientific scientific ADJ issue-34 42 72 publications publication NOUN issue-34 42 73 , , PUNCT issue-34 42 74 both both CCONJ issue-34 42 75 domestic domestic ADJ issue-34 42 76 and and CCONJ issue-34 42 77 foreign foreign ADJ issue-34 42 78 scientists scientist NOUN issue-34 42 79 ( ( PUNCT issue-34 42 80 t. t. PROPN issue-34 42 81 v. v. PROPN issue-34 42 82 gaidai gaidai PROPN issue-34 42 83 , , PUNCT issue-34 42 84 d. d. PROPN issue-34 42 85     SPACE issue-34 42 86 frolova frolova PROPN issue-34 42 87 , , PUNCT issue-34 42 88 s. s. PROPN issue-34 42 89 sorokina sorokina PROPN issue-34 42 90 , , PUNCT issue-34 42 91 a. a. PROPN issue-34 42 92 v. v. ADP issue-34 42 93 inshakov inshakov PROPN issue-34 42 94 , , PUNCT issue-34 42 95 v. v. ADP issue-34 42 96 n. n. PROPN issue-34 42 97 tarasevich tarasevich PROPN issue-34 42 98 , , PUNCT issue-34 42 99 v. v. CCONJ issue-34 42 100     SPACE issue-34 42 101 hamilton hamilton PROPN issue-34 42 102 and and CCONJ issue-34 42 103 others other NOUN issue-34 42 104 , , PUNCT issue-34 42 105 which which PRON issue-34 42 106 considers consider VERB issue-34 42 107 the the DET issue-34 42 108 approach approach NOUN issue-34 42 109 to to ADP issue-34 42 110 the the DET issue-34 42 111 interpretation interpretation NOUN issue-34 42 112 of of ADP issue-34 42 113 the the DET issue-34 42 114 term term NOUN issue-34 42 115 “ " PUNCT issue-34 42 116 institution institution NOUN issue-34 42 117 ” " PUNCT issue-34 42 118 ) ) PUNCT issue-34 42 119 , , PUNCT issue-34 42 120 we we PRON issue-34 42 121 can can AUX issue-34 42 122 conclude conclude VERB issue-34 42 123 that that SCONJ issue-34 42 124 in in ADP issue-34 42 125 the the DET issue-34 42 126 field field NOUN issue-34 42 127 of of ADP issue-34 42 128 mortgage mortgage NOUN issue-34 42 129 lending lending NOUN issue-34 42 130 “ " PUNCT issue-34 42 131 institution institution NOUN issue-34 42 132 ” " PUNCT issue-34 42 133 – – PUNCT issue-34 42 134 it it PRON issue-34 42 135 ’s ’ VERB issue-34 42 136 the the DET issue-34 42 137 rules rule NOUN issue-34 42 138 , , PUNCT issue-34 42 139 that that ADV issue-34 42 140 is is ADV issue-34 42 141 , , PUNCT issue-34 42 142 a a DET issue-34 42 143 mechanism mechanism NOUN issue-34 42 144 , , PUNCT issue-34 42 145 a a DET issue-34 42 146 process process NOUN issue-34 42 147 that that PRON issue-34 42 148 due due ADP issue-34 42 149 to to ADP issue-34 42 150 the the DET issue-34 42 151 rules rule NOUN issue-34 42 152 , , PUNCT issue-34 42 153 regulations regulation NOUN issue-34 42 154 of of ADP issue-34 42 155 mortgage mortgage NOUN issue-34 42 156 lending lending NOUN issue-34 42 157 and and CCONJ issue-34 42 158 the the DET issue-34 42 159 institution institution NOUN issue-34 42 160 is be AUX issue-34 42 161 institutions institution NOUN issue-34 42 162 , , PUNCT issue-34 42 163 institutions institution NOUN issue-34 42 164 , , PUNCT issue-34 42 165 organizations organization NOUN issue-34 42 166 and and CCONJ issue-34 42 167 so so ADV issue-34 42 168 on on ADV issue-34 42 169 , , PUNCT issue-34 42 170 which which PRON issue-34 42 171 are be AUX issue-34 42 172 the the DET issue-34 42 173 relevant relevant ADJ issue-34 42 174 levers lever NOUN issue-34 42 175 of of ADP issue-34 42 176 influence influence NOUN issue-34 42 177 on on ADP issue-34 42 178 the the DET issue-34 42 179 development development NOUN issue-34 42 180 of of ADP issue-34 42 181 mortgage mortgage NOUN issue-34 42 182 lending lending NOUN issue-34 42 183 . . PUNCT issue-34 43 1 some some DET issue-34 43 2 authors author NOUN issue-34 43 3 of of ADP issue-34 43 4 the the DET issue-34 43 5 literature literature NOUN issue-34 43 6 concerning concern VERB issue-34 43 7 the the DET issue-34 43 8 institutional institutional ADJ issue-34 43 9 structure structure NOUN issue-34 43 10 of of ADP issue-34 43 11 the the DET issue-34 43 12 mortgage mortgage NOUN issue-34 43 13 market market NOUN issue-34 43 14 argue argue VERB issue-34 43 15 that that SCONJ issue-34 43 16 it it PRON issue-34 43 17 has have AUX issue-34 43 18 evolved evolve VERB issue-34 43 19 independently independently ADV issue-34 43 20 of of ADP issue-34 43 21 other other ADJ issue-34 43 22 structures structure NOUN issue-34 43 23 , , PUNCT issue-34 43 24 i.e. i.e. X issue-34 43 25 independently independently ADV issue-34 43 26 within within ADP issue-34 43 27 each each DET issue-34 43 28 country country NOUN issue-34 43 29 under under ADP issue-34 43 30 the the DET issue-34 43 31 influence influence NOUN issue-34 43 32 of of ADP issue-34 43 33 specific specific ADJ issue-34 43 34 socio socio NOUN issue-34 43 35 - - PUNCT issue-34 43 36 economic economic ADJ issue-34 43 37 environment environment NOUN issue-34 43 38 and and CCONJ issue-34 43 39 economic economic ADJ issue-34 43 40 policy policy NOUN issue-34 43 41 . . PUNCT issue-34 44 1 however however ADV issue-34 44 2 , , PUNCT issue-34 44 3 as as ADP issue-34 44 4 a a DET issue-34 44 5 result result NOUN issue-34 44 6 of of ADP issue-34 44 7 our our PRON issue-34 44 8 studies study NOUN issue-34 44 9 and and CCONJ issue-34 44 10 the the DET issue-34 44 11 aspect aspect NOUN issue-34 44 12 that that PRON issue-34 44 13 mortgage mortgage NOUN issue-34 44 14 lending lending NOUN issue-34 44 15 has have AUX issue-34 44 16 evolved evolve VERB issue-34 44 17 as as ADP issue-34 44 18 a a DET issue-34 44 19 result result NOUN issue-34 44 20 in in ADP issue-34 44 21 general general ADJ issue-34 44 22 system system NOUN issue-34 44 23 of of ADP issue-34 44 24 credit credit NOUN issue-34 44 25 , , PUNCT issue-34 44 26 and and CCONJ issue-34 44 27 the the DET issue-34 44 28 findings finding NOUN issue-34 44 29 of of ADP issue-34 44 30 russian russian ADJ issue-34 44 31 scientists scientist NOUN issue-34 44 32 e. e. PROPN issue-34 44 33 chernich chernich PROPN issue-34 44 34 and and CCONJ issue-34 44 35 o. o. PROPN issue-34 44 36 starkova starkova PROPN issue-34 44 37 , , PUNCT issue-34 44 38 it it PRON issue-34 44 39 can can AUX issue-34 44 40 be be AUX issue-34 44 41 argued argue VERB issue-34 44 42 that that SCONJ issue-34 44 43 the the DET issue-34 44 44 institutional institutional ADJ issue-34 44 45 organization organization NOUN issue-34 44 46 of of ADP issue-34 44 47 the the DET issue-34 44 48 mortgage mortgage NOUN issue-34 44 49 market market NOUN issue-34 44 50 was be AUX issue-34 44 51 only only ADV issue-34 44 52 later later ADV issue-34 44 53 borrowed borrow VERB issue-34 44 54 and and CCONJ issue-34 44 55 further far ADV issue-34 44 56 developed develop VERB issue-34 44 57 independently independently ADV issue-34 44 58 . . PUNCT issue-34 45 1 the the DET issue-34 45 2 justification justification NOUN issue-34 45 3 for for ADP issue-34 45 4 this this DET issue-34 45 5 assertion assertion NOUN issue-34 45 6 is be AUX issue-34 45 7 based base VERB issue-34 45 8 more more ADV issue-34 45 9 on on ADP issue-34 45 10 the the DET issue-34 45 11 fact fact NOUN issue-34 45 12 that that SCONJ issue-34 45 13 the the DET issue-34 45 14 institutional institutional ADJ issue-34 45 15 structure structure NOUN issue-34 45 16 of of ADP issue-34 45 17 the the DET issue-34 45 18 mortgage mortgage NOUN issue-34 45 19 market market NOUN issue-34 45 20 has have AUX issue-34 45 21 a a DET issue-34 45 22 number number NOUN issue-34 45 23 of of ADP issue-34 45 24 common common ADJ issue-34 45 25 features feature NOUN issue-34 45 26 of of ADP issue-34 45 27 different different ADJ issue-34 45 28 areas area NOUN issue-34 45 29 of of ADP issue-34 45 30 lending lending NOUN issue-34 45 31 and and CCONJ issue-34 45 32 solves solve VERB issue-34 45 33 almost almost ADV issue-34 45 34 the the DET issue-34 45 35 same same ADJ issue-34 45 36 problem problem NOUN issue-34 45 37 on on ADP issue-34 45 38 lending lend VERB issue-34 45 39 to to ADP issue-34 45 40 various various ADJ issue-34 45 41 sectors sector NOUN issue-34 45 42 of of ADP issue-34 45 43 the the DET issue-34 45 44 national national ADJ issue-34 45 45 economy economy NOUN issue-34 45 46 . . PUNCT issue-34 46 1 note note VERB issue-34 46 2 that that SCONJ issue-34 46 3 the the DET issue-34 46 4 institutes institute NOUN issue-34 46 5 and and CCONJ issue-34 46 6 established establish VERB issue-34 46 7 on on ADP issue-34 46 8 the the DET issue-34 46 9 basis basis NOUN issue-34 46 10 of of ADP issue-34 46 11 their their PRON issue-34 46 12 institutions institution NOUN issue-34 46 13 are be AUX issue-34 46 14 the the DET issue-34 46 15 result result NOUN issue-34 46 16 of of ADP issue-34 46 17 coordination coordination NOUN issue-34 46 18 of of ADP issue-34 46 19 interests interest NOUN issue-34 46 20 of of ADP issue-34 46 21 subjects subject NOUN issue-34 46 22 of of ADP issue-34 46 23 mortgage mortgage NOUN issue-34 46 24 financial financial ADJ issue-34 46 25 relations relation NOUN issue-34 46 26 . . PUNCT issue-34 47 1 this this PRON issue-34 47 2 primarily primarily ADV issue-34 47 3 contributes contribute VERB issue-34 47 4 to to ADP issue-34 47 5 the the DET issue-34 47 6 formation formation NOUN issue-34 47 7 of of ADP issue-34 47 8 the the DET issue-34 47 9 mortgage mortgage NOUN issue-34 47 10 market market NOUN issue-34 47 11 , , PUNCT issue-34 47 12 and and CCONJ issue-34 47 13 secondly secondly ADV issue-34 47 14 , , PUNCT issue-34 47 15 creates create VERB issue-34 47 16 a a DET issue-34 47 17 system system NOUN issue-34 47 18 of of ADP issue-34 47 19 institutionalizing institutionalize VERB issue-34 47 20 concerted concerted ADJ issue-34 47 21 economic economic ADJ issue-34 47 22 interests interest NOUN issue-34 47 23 of of ADP issue-34 47 24 its its PRON issue-34 47 25 subjects subject NOUN issue-34 47 26 . . PUNCT issue-34 48 1 this this DET issue-34 48 2 approach approach NOUN issue-34 48 3 to to ADP issue-34 48 4 the the DET issue-34 48 5 study study NOUN issue-34 48 6 of of ADP issue-34 48 7 formation formation NOUN issue-34 48 8 , , PUNCT issue-34 48 9 operation operation NOUN issue-34 48 10 and and CCONJ issue-34 48 11 development development NOUN issue-34 48 12 of of ADP issue-34 48 13 the the DET issue-34 48 14 mortgage mortgage NOUN issue-34 48 15 market market NOUN issue-34 48 16 because because SCONJ issue-34 48 17 the the DET issue-34 48 18 mortgage mortgage NOUN issue-34 48 19 market market NOUN issue-34 48 20 is be AUX issue-34 48 21 a a DET issue-34 48 22 complex complex ADJ issue-34 48 23 conglomerate conglomerate NOUN issue-34 48 24 of of ADP issue-34 48 25 economic economic ADJ issue-34 48 26 relations relation NOUN issue-34 48 27 and and CCONJ issue-34 48 28 forms form NOUN issue-34 48 29 that that PRON issue-34 48 30 are be AUX issue-34 48 31 integrated integrate VERB issue-34 48 32 into into ADP issue-34 48 33 the the DET issue-34 48 34 framework framework NOUN issue-34 48 35 of of ADP issue-34 48 36 economic economic ADJ issue-34 48 37 order order NOUN issue-34 48 38 , , PUNCT issue-34 48 39 which which PRON issue-34 48 40 is be AUX issue-34 48 41 generated generate VERB issue-34 48 42 and and CCONJ issue-34 48 43 is be AUX issue-34 48 44 reproduced reproduce VERB issue-34 48 45 with with ADP issue-34 48 46 the the DET issue-34 48 47 direct direct ADJ issue-34 48 48 participation participation NOUN issue-34 48 49 of of ADP issue-34 48 50 economic economic ADJ issue-34 48 51 actors actor NOUN issue-34 48 52 and and CCONJ issue-34 48 53 on on ADP issue-34 48 54 the the DET issue-34 48 55 basis basis NOUN issue-34 48 56 of of ADP issue-34 48 57 their their PRON issue-34 48 58 economic economic ADJ issue-34 48 59 interests interest NOUN issue-34 48 60 . . PUNCT issue-34 49 1 the the DET issue-34 49 2 negative negative ADJ issue-34 49 3 side side NOUN issue-34 49 4 of of ADP issue-34 49 5 development development NOUN issue-34 49 6 of of ADP issue-34 49 7 institutes institute NOUN issue-34 49 8 of of ADP issue-34 49 9 mortgage mortgage NOUN issue-34 49 10 lending lending NOUN issue-34 49 11 is be AUX issue-34 49 12 that that SCONJ issue-34 49 13 the the DET issue-34 49 14 national national ADJ issue-34 49 15 banking banking NOUN issue-34 49 16 system system NOUN issue-34 49 17 did do AUX issue-34 49 18 not not PART issue-34 49 19 fully fully ADV issue-34 49 20 finance finance VERB issue-34 49 21 the the DET issue-34 49 22 real real ADJ issue-34 49 23 sector sector NOUN issue-34 49 24 , , PUNCT issue-34 49 25 as as SCONJ issue-34 49 26 observed observe VERB issue-34 49 27 in in ADP issue-34 49 28 the the DET issue-34 49 29 advanced advanced ADJ issue-34 49 30 economies economy NOUN issue-34 49 31 . . PUNCT issue-34 50 1 in in ADP issue-34 50 2 addition addition NOUN issue-34 50 3 , , PUNCT issue-34 50 4 domestic domestic ADJ issue-34 50 5 banking banking NOUN issue-34 50 6 institutions institution NOUN issue-34 50 7 are be AUX issue-34 50 8 the the DET issue-34 50 9 main main ADJ issue-34 50 10 part part NOUN issue-34 50 11 of of ADP issue-34 50 12 credits credit NOUN issue-34 50 13 give give VERB issue-34 50 14 for for ADP issue-34 50 15 a a DET issue-34 50 16 short short ADJ issue-34 50 17 period period NOUN issue-34 50 18 , , PUNCT issue-34 50 19 and and CCONJ issue-34 50 20 banks bank NOUN issue-34 50 21 with with ADP issue-34 50 22 foreign foreign ADJ issue-34 50 23 capital capital NOUN issue-34 50 24 not not PART issue-34 50 25 at at ADP issue-34 50 26 risk risk NOUN issue-34 50 27 to to PART issue-34 50 28 provide provide VERB issue-34 50 29 long long ADJ issue-34 50 30 - - PUNCT issue-34 50 31 term term NOUN issue-34 50 32 loans loan NOUN issue-34 50 33 for for ADP issue-34 50 34 housing housing NOUN issue-34 50 35 construction construction NOUN issue-34 50 36 , , PUNCT issue-34 50 37 and and CCONJ issue-34 50 38 limited limit VERB issue-34 50 39 to to ADP issue-34 50 40 short short ADJ issue-34 50 41 - - PUNCT issue-34 50 42 term term NOUN issue-34 50 43 , , PUNCT issue-34 50 44 thereby thereby ADV issue-34 50 45 contributing contribute VERB issue-34 50 46 to to ADP issue-34 50 47 the the DET issue-34 50 48 outflow outflow NOUN issue-34 50 49 of of ADP issue-34 50 50 resources resource NOUN issue-34 50 51 from from ADP issue-34 50 52 the the DET issue-34 50 53 real real ADJ issue-34 50 54 sector sector NOUN issue-34 50 55 of of ADP issue-34 50 56 the the DET issue-34 50 57 economy economy NOUN issue-34 50 58 . . PUNCT issue-34 51 1 in in ADP issue-34 51 2 our our PRON issue-34 51 3 opinion opinion NOUN issue-34 51 4 , , PUNCT issue-34 51 5 the the DET issue-34 51 6 state state NOUN issue-34 51 7 ’s ’s PART issue-34 51 8 adoption adoption NOUN issue-34 51 9 of of ADP issue-34 51 10 respective respective ADJ issue-34 51 11 normative normative ADJ issue-34 51 12 and and CCONJ issue-34 51 13 legislative legislative ADJ issue-34 51 14 acts act NOUN issue-34 51 15 on on ADP issue-34 51 16 the the DET issue-34 51 17 establishment establishment NOUN issue-34 51 18 of of ADP issue-34 51 19 related related ADJ issue-34 51 20 institutes institute NOUN issue-34 51 21 in in ADP issue-34 51 22 the the DET issue-34 51 23 field field NOUN issue-34 51 24 of of ADP issue-34 51 25 mortgage mortgage NOUN issue-34 51 26 lending lending NOUN issue-34 51 27 , , PUNCT issue-34 51 28 which which PRON issue-34 51 29 has have VERB issue-34 51 30 the the DET issue-34 51 31 above above ADJ issue-34 51 32 factors factor NOUN issue-34 51 33 and and CCONJ issue-34 51 34 exercise exercise NOUN issue-34 51 35 control control NOUN issue-34 51 36 over over ADP issue-34 51 37 their their PRON issue-34 51 38 task task NOUN issue-34 51 39 , , PUNCT issue-34 51 40 reduce reduce VERB issue-34 51 41 the the DET issue-34 51 42 cost cost NOUN issue-34 51 43 of of ADP issue-34 51 44 both both CCONJ issue-34 51 45 the the DET issue-34 51 46 construction construction NOUN issue-34 51 47 of of ADP issue-34 51 48 housing housing NOUN issue-34 51 49 , , PUNCT issue-34 51 50 and and CCONJ issue-34 51 51 areas area NOUN issue-34 51 52 of of ADP issue-34 51 53 mortgage mortgage NOUN issue-34 51 54 lending lending NOUN issue-34 51 55 . . PUNCT issue-34 52 1 the the DET issue-34 52 2 existence existence NOUN issue-34 52 3 of of ADP issue-34 52 4 such such ADJ issue-34 52 5 organizations organization NOUN issue-34 52 6 stimulate stimulate VERB issue-34 52 7 the the DET issue-34 52 8 interaction interaction NOUN issue-34 52 9 of of ADP issue-34 52 10 supply supply NOUN issue-34 52 11 baltic baltic PROPN issue-34 52 12 journal journal PROPN issue-34 52 13 of of ADP issue-34 52 14 economic economic ADJ issue-34 52 15 studies study NOUN issue-34 52 16 35 35 NUM issue-34 52 17 vol vol NOUN issue-34 52 18 . . PROPN issue-34 53 1 1 1 NUM issue-34 53 2 , , PUNCT issue-34 53 3 no no INTJ issue-34 53 4 . . NOUN issue-34 53 5 2 2 NUM issue-34 53 6 , , PUNCT issue-34 53 7 2015 2015 NUM issue-34 53 8 and and CCONJ issue-34 53 9 demand demand NOUN issue-34 53 10 in in ADP issue-34 53 11 the the DET issue-34 53 12 housing housing NOUN issue-34 53 13 market market NOUN issue-34 53 14 , , PUNCT issue-34 53 15 uniting unite VERB issue-34 53 16 developers developer NOUN issue-34 53 17 , , PUNCT issue-34 53 18 banking banking NOUN issue-34 53 19 institutions institution NOUN issue-34 53 20 and and CCONJ issue-34 53 21 the the DET issue-34 53 22 population population NOUN issue-34 53 23 , , PUNCT issue-34 53 24 promote promote VERB issue-34 53 25 the the DET issue-34 53 26 implementation implementation NOUN issue-34 53 27 of of ADP issue-34 53 28 effective effective ADJ issue-34 53 29 mechanisms mechanism NOUN issue-34 53 30 for for ADP issue-34 53 31 recovery recovery NOUN issue-34 53 32 of of ADP issue-34 53 33 the the DET issue-34 53 34 mortgage mortgage NOUN issue-34 53 35 market market NOUN issue-34 53 36 . . PUNCT issue-34 54 1 3 3 X issue-34 54 2 . . X issue-34 54 3 institution institution NOUN issue-34 54 4 environment environment NOUN issue-34 54 5 of of ADP issue-34 54 6 mortgage mortgage NOUN issue-34 54 7 lending lending NOUN issue-34 54 8 residential residential ADJ issue-34 54 9 real real ADJ issue-34 54 10 estate estate NOUN issue-34 54 11 regulatory regulatory ADJ issue-34 54 12 support support NOUN issue-34 54 13 in in ADP issue-34 54 14 the the DET issue-34 54 15 processes process NOUN issue-34 54 16 of of ADP issue-34 54 17 mortgage mortgage NOUN issue-34 54 18 lending lending NOUN issue-34 54 19 significantly significantly ADV issue-34 54 20 affects affect VERB issue-34 54 21 the the DET issue-34 54 22 development development NOUN issue-34 54 23 of of ADP issue-34 54 24 the the DET issue-34 54 25 property property NOUN issue-34 54 26 market market NOUN issue-34 54 27 , , PUNCT issue-34 54 28 especially especially ADV issue-34 54 29 residential residential ADJ issue-34 54 30 property property NOUN issue-34 54 31 , , PUNCT issue-34 54 32 on on ADP issue-34 54 33 which which PRON issue-34 54 34 there there PRON issue-34 54 35 is be VERB issue-34 54 36 a a DET issue-34 54 37 constant constant ADJ issue-34 54 38 demand demand NOUN issue-34 54 39 and and CCONJ issue-34 54 40 therefore therefore ADV issue-34 54 41 should should AUX issue-34 54 42 be be AUX issue-34 54 43 effectively effectively ADV issue-34 54 44 and and CCONJ issue-34 54 45 vigorously vigorously ADV issue-34 54 46 developed develop VERB issue-34 54 47 the the DET issue-34 54 48 market market NOUN issue-34 54 49 of of ADP issue-34 54 50 such such ADJ issue-34 54 51 proposal proposal NOUN issue-34 54 52 . . PUNCT issue-34 55 1 the the DET issue-34 55 2 analysis analysis NOUN issue-34 55 3 of of ADP issue-34 55 4 the the DET issue-34 55 5 institutional institutional ADJ issue-34 55 6 environment environment NOUN issue-34 55 7 of of ADP issue-34 55 8 mortgage mortgage NOUN issue-34 55 9 lending lending NOUN issue-34 55 10 residential residential ADJ issue-34 55 11 real real ADJ issue-34 55 12 estate estate NOUN issue-34 55 13 has have AUX issue-34 55 14 provided provide VERB issue-34 55 15 the the DET issue-34 55 16 opportunity opportunity NOUN issue-34 55 17 to to PART issue-34 55 18 identify identify VERB issue-34 55 19 and and CCONJ issue-34 55 20 define define VERB issue-34 55 21 the the DET issue-34 55 22 environment environment NOUN issue-34 55 23 of of ADP issue-34 55 24 modern modern ADJ issue-34 55 25 residential residential ADJ issue-34 55 26 real real ADJ issue-34 55 27 estate estate NOUN issue-34 55 28 market market NOUN issue-34 55 29 , , PUNCT issue-34 55 30 its its PRON issue-34 55 31 relationship relationship NOUN issue-34 55 32 with with ADP issue-34 55 33 other other ADJ issue-34 55 34 markets market NOUN issue-34 55 35 ( ( PUNCT issue-34 55 36 pic pic NOUN issue-34 55 37 . . PUNCT issue-34 55 38 1.1 1.1 NUM issue-34 55 39 ) ) PUNCT issue-34 55 40 . . PUNCT issue-34 56 1 as as SCONJ issue-34 56 2 it it PRON issue-34 56 3 ’s ’s AUX issue-34 56 4 shown show VERB issue-34 56 5 in in ADP issue-34 56 6 pic pic NOUN issue-34 56 7 . . PUNCT issue-34 57 1 1.1 1.1 NUM issue-34 57 2 , , PUNCT issue-34 57 3 it it PRON issue-34 57 4 can can AUX issue-34 57 5 be be AUX issue-34 57 6 argued argue VERB issue-34 57 7 that that SCONJ issue-34 57 8 the the DET issue-34 57 9 implementation implementation NOUN issue-34 57 10 of of ADP issue-34 57 11 the the DET issue-34 57 12 priority priority NOUN issue-34 57 13 directions direction NOUN issue-34 57 14 in in ADP issue-34 57 15 the the DET issue-34 57 16 sphere sphere NOUN issue-34 57 17 of of ADP issue-34 57 18 housing housing NOUN issue-34 57 19 construction construction NOUN issue-34 57 20 and and CCONJ issue-34 57 21 mortgage mortgage NOUN issue-34 57 22 lending lending NOUN issue-34 57 23 is be AUX issue-34 57 24 impossible impossible ADJ issue-34 57 25 without without ADP issue-34 57 26 a a DET issue-34 57 27 comprehensive comprehensive ADJ issue-34 57 28 restructuring restructuring NOUN issue-34 57 29 of of ADP issue-34 57 30 the the DET issue-34 57 31 institutional institutional ADJ issue-34 57 32 environment environment NOUN issue-34 57 33 and and CCONJ issue-34 57 34 improvement improvement NOUN issue-34 57 35 of of ADP issue-34 57 36 the the DET issue-34 57 37 institutional institutional ADJ issue-34 57 38 structure structure NOUN issue-34 57 39 of of ADP issue-34 57 40 mortgage mortgage NOUN issue-34 57 41 lending lending NOUN issue-34 57 42 residential residential ADJ issue-34 57 43 real real ADJ issue-34 57 44 estate estate NOUN issue-34 57 45 . . PUNCT issue-34 58 1 that that PRON issue-34 58 2 is is ADV issue-34 58 3 , , PUNCT issue-34 58 4 it it PRON issue-34 58 5 is be AUX issue-34 58 6 necessary necessary ADJ issue-34 58 7 to to PART issue-34 58 8 form form VERB issue-34 58 9 a a DET issue-34 58 10 reasonably reasonably ADV issue-34 58 11 balanced balanced ADJ issue-34 58 12 and and CCONJ issue-34 58 13 effective effective ADJ issue-34 58 14 institutional institutional ADJ issue-34 58 15 structure structure NOUN issue-34 58 16 that that PRON issue-34 58 17 will will AUX issue-34 58 18 enable enable VERB issue-34 58 19 a a DET issue-34 58 20 transformation transformation NOUN issue-34 58 21 in in ADP issue-34 58 22 the the DET issue-34 58 23 mortgage mortgage NOUN issue-34 58 24 complex complex NOUN issue-34 58 25 , , PUNCT issue-34 58 26 which which PRON issue-34 58 27 will will AUX issue-34 58 28 be be AUX issue-34 58 29 translated translate VERB issue-34 58 30 into into ADP issue-34 58 31 mainstream mainstream NOUN issue-34 58 32 market market NOUN issue-34 58 33 transformation transformation NOUN issue-34 58 34 of of ADP issue-34 58 35 the the DET issue-34 58 36 entire entire ADJ issue-34 58 37 economic economic ADJ issue-34 58 38 system system NOUN issue-34 58 39 and and CCONJ issue-34 58 40 all all DET issue-34 58 41 economic economic ADJ issue-34 58 42 complex complex NOUN issue-34 58 43 of of ADP issue-34 58 44 ukraine ukraine NOUN issue-34 58 45 . . PUNCT issue-34 59 1 an an DET issue-34 59 2 important important ADJ issue-34 59 3 role role NOUN issue-34 59 4 in in ADP issue-34 59 5 the the DET issue-34 59 6 field field NOUN issue-34 59 7 of of ADP issue-34 59 8 mortgage mortgage NOUN issue-34 59 9 lending lending NOUN issue-34 59 10 to to ADP issue-34 59 11 residential residential ADJ issue-34 59 12 property property NOUN issue-34 59 13 occupied occupy VERB issue-34 59 14 by by ADP issue-34 59 15 public public ADJ issue-34 59 16 authorities authority NOUN issue-34 59 17 and and CCONJ issue-34 59 18 various various ADJ issue-34 59 19 state state NOUN issue-34 59 20 and and CCONJ issue-34 59 21 non non ADJ issue-34 59 22 - - ADJ issue-34 59 23 state state ADJ issue-34 59 24 organizations organization NOUN issue-34 59 25 and and CCONJ issue-34 59 26 institutions institution NOUN issue-34 59 27 , , PUNCT issue-34 59 28 and and CCONJ issue-34 59 29 in in ADP issue-34 59 30 the the DET issue-34 59 31 sphere sphere NOUN issue-34 59 32 of of ADP issue-34 59 33 ensuring ensure VERB issue-34 59 34 of of ADP issue-34 59 35 effective effective ADJ issue-34 59 36 formation formation NOUN issue-34 59 37 and and CCONJ issue-34 59 38 development development NOUN issue-34 59 39 of of ADP issue-34 59 40 the the DET issue-34 59 41 real real ADJ issue-34 59 42 estate estate NOUN issue-34 59 43 market market NOUN issue-34 59 44 , , PUNCT issue-34 59 45 the the DET issue-34 59 46 mortgage mortgage NOUN issue-34 59 47 market market NOUN issue-34 59 48 infrastructure infrastructure NOUN issue-34 59 49 ( ( PUNCT issue-34 59 50 pic pic NOUN issue-34 59 51 . . PUNCT issue-34 59 52 1.2 1.2 NUM issue-34 59 53 ) ) PUNCT issue-34 59 54 . . PUNCT issue-34 60 1 institutional institutional ADJ issue-34 60 2 structure structure NOUN issue-34 60 3 is be AUX issue-34 60 4 both both CCONJ issue-34 60 5 the the DET issue-34 60 6 result result NOUN issue-34 60 7 and and CCONJ issue-34 60 8 the the DET issue-34 60 9 instrument instrument NOUN issue-34 60 10 by by ADP issue-34 60 11 which which PRON issue-34 60 12 the the DET issue-34 60 13 subjects subject NOUN issue-34 60 14 of of ADP issue-34 60 15 the the DET issue-34 60 16 mortgage mortgage NOUN issue-34 60 17 market market NOUN issue-34 60 18 to to PART issue-34 60 19 realize realize VERB issue-34 60 20 their their PRON issue-34 60 21 economic economic ADJ issue-34 60 22 interests interest NOUN issue-34 60 23 , , PUNCT issue-34 60 24 and and CCONJ issue-34 60 25 ultimately ultimately ADV issue-34 60 26 ensure ensure VERB issue-34 60 27 effective effective ADJ issue-34 60 28 functioning functioning NOUN issue-34 60 29 of of ADP issue-34 60 30 the the DET issue-34 60 31 estate estate NOUN issue-34 60 32 and and CCONJ issue-34 60 33 the the DET issue-34 60 34 welfare welfare NOUN issue-34 60 35 of of ADP issue-34 60 36 the the DET issue-34 60 37 population population NOUN issue-34 60 38 . . PUNCT issue-34 61 1 and and CCONJ issue-34 61 2 for for ADP issue-34 61 3 the the DET issue-34 61 4 implementation implementation NOUN issue-34 61 5 of of ADP issue-34 61 6 these these DET issue-34 61 7 tasks task NOUN issue-34 61 8 play play VERB issue-34 61 9 an an DET issue-34 61 10 important important ADJ issue-34 61 11 role role NOUN issue-34 61 12 is be AUX issue-34 61 13 mortgage mortgage NOUN issue-34 61 14 - - PUNCT issue-34 61 15 backed back VERB issue-34 61 16 securities security NOUN issue-34 61 17 . . PUNCT issue-34 62 1 successful successful ADJ issue-34 62 2 and and CCONJ issue-34 62 3 fundamentally fundamentally ADV issue-34 62 4 new new ADJ issue-34 62 5 development development NOUN issue-34 62 6 of of ADP issue-34 62 7 mortgage mortgage NOUN issue-34 62 8 housing housing NOUN issue-34 62 9 crediting crediting NOUN issue-34 62 10 in in ADP issue-34 62 11 ukraine ukraine NOUN issue-34 62 12 will will AUX issue-34 62 13 be be AUX issue-34 62 14 impossible impossible ADJ issue-34 62 15 without without ADP issue-34 62 16 the the DET issue-34 62 17 introduction introduction NOUN issue-34 62 18 and and CCONJ issue-34 62 19 rapid rapid ADJ issue-34 62 20 development development NOUN issue-34 62 21 of of ADP issue-34 62 22 institutional institutional ADJ issue-34 62 23 investors investor NOUN issue-34 62 24 , , PUNCT issue-34 62 25 which which PRON issue-34 62 26 have have AUX issue-34 62 27 become become VERB issue-34 62 28 important important ADJ issue-34 62 29 suppliers supplier NOUN issue-34 62 30 of of ADP issue-34 62 31 financial financial ADJ issue-34 62 32 resources resource NOUN issue-34 62 33 for for ADP issue-34 62 34 the the DET issue-34 62 35 aforementioned aforementioned ADJ issue-34 62 36 market market NOUN issue-34 62 37 . . PUNCT issue-34 63 1 first first ADV issue-34 63 2 of of ADP issue-34 63 3 all all PRON issue-34 63 4 we we PRON issue-34 63 5 are be AUX issue-34 63 6 talking talk VERB issue-34 63 7 about about ADP issue-34 63 8 the the DET issue-34 63 9 introduction introduction NOUN issue-34 63 10 and and CCONJ issue-34 63 11 the the DET issue-34 63 12 economic economic ADJ issue-34 63 13 and and CCONJ issue-34 63 14 social social ADJ issue-34 63 15 as as ADV issue-34 63 16 well well ADV issue-34 63 17 as as ADP issue-34 63 18 political political ADJ issue-34 63 19 and and CCONJ issue-34 63 20 organizational organizational ADJ issue-34 63 21 support support NOUN issue-34 63 22 to to ADP issue-34 63 23 non non ADJ issue-34 63 24 - - ADJ issue-34 63 25 state state ADJ issue-34 63 26 and and CCONJ issue-34 63 27 non non ADJ issue-34 63 28 - - ADJ issue-34 63 29 banking banking ADJ issue-34 63 30 institutions institution NOUN issue-34 63 31 : : PUNCT issue-34 63 32 foundations foundation NOUN issue-34 63 33 , , PUNCT issue-34 63 34 companies company NOUN issue-34 63 35 . . PUNCT issue-34 64 1 their their PRON issue-34 64 2 role role NOUN issue-34 64 3 in in ADP issue-34 64 4 the the DET issue-34 64 5 system system NOUN issue-34 64 6 of of ADP issue-34 64 7 mortgage mortgage NOUN issue-34 64 8 lending lending NOUN issue-34 64 9 is be AUX issue-34 64 10 very very ADV issue-34 64 11 important important ADJ issue-34 64 12 , , PUNCT issue-34 64 13 especially especially ADV issue-34 64 14 in in ADP issue-34 64 15 the the DET issue-34 64 16 field field NOUN issue-34 64 17 of of ADP issue-34 64 18 mortgage mortgage NOUN issue-34 64 19 lending lending NOUN issue-34 64 20 of of ADP issue-34 64 21 housing housing NOUN issue-34 64 22 construction construction NOUN issue-34 64 23 . . PUNCT issue-34 65 1 it it PRON issue-34 65 2 should should AUX issue-34 65 3 be be AUX issue-34 65 4 noted note VERB issue-34 65 5 that that SCONJ issue-34 65 6 in in ADP issue-34 65 7 establishing establish VERB issue-34 65 8 these these DET issue-34 65 9 financial financial ADJ issue-34 65 10 institutions institution NOUN issue-34 65 11 , , PUNCT issue-34 65 12 which which PRON issue-34 65 13 would would AUX issue-34 65 14 provide provide VERB issue-34 65 15 financial financial ADJ issue-34 65 16 resources resource NOUN issue-34 65 17 for for ADP issue-34 65 18 the the DET issue-34 65 19 construction construction NOUN issue-34 65 20 of of ADP issue-34 65 21 housing housing NOUN issue-34 65 22 , , PUNCT issue-34 65 23 ukraine ukraine PROPN issue-34 65 24 significantly significantly ADV issue-34 65 25 lags lag VERB issue-34 65 26 behind behind ADP issue-34 65 27 other other ADJ issue-34 65 28 countries country NOUN issue-34 65 29 . . PUNCT issue-34 66 1 today today NOUN issue-34 66 2 the the DET issue-34 66 3 crucial crucial ADJ issue-34 66 4 issues issue NOUN issue-34 66 5 are be AUX issue-34 66 6 the the DET issue-34 66 7 selection selection NOUN issue-34 66 8 of of ADP issue-34 66 9 appropriate appropriate ADJ issue-34 66 10 these these DET issue-34 66 11 funds fund NOUN issue-34 66 12 and and CCONJ issue-34 66 13 establish establish VERB issue-34 66 14 a a DET issue-34 66 15 reliable reliable ADJ issue-34 66 16 system system NOUN issue-34 66 17 to to PART issue-34 66 18 manage manage VERB issue-34 66 19 which which PRON issue-34 66 20 will will AUX issue-34 66 21 ensure ensure VERB issue-34 66 22 minimization minimization NOUN issue-34 66 23 of of ADP issue-34 66 24 possible possible ADJ issue-34 66 25 costs cost NOUN issue-34 66 26 of of ADP issue-34 66 27 the the DET issue-34 66 28 assets asset NOUN issue-34 66 29 of of ADP issue-34 66 30 these these DET issue-34 66 31 funds fund NOUN issue-34 66 32 and and CCONJ issue-34 66 33 ensure ensure VERB issue-34 66 34 their their PRON issue-34 66 35 growth growth NOUN issue-34 66 36 . . PUNCT issue-34 67 1 in in ADP issue-34 67 2 the the DET issue-34 67 3 current current ADJ issue-34 67 4 context context NOUN issue-34 67 5 of of ADP issue-34 67 6 development development NOUN issue-34 67 7 of of ADP issue-34 67 8 the the DET issue-34 67 9 national national ADJ issue-34 67 10 economy economy NOUN issue-34 67 11 require require VERB issue-34 67 12 a a DET issue-34 67 13 significant significant ADJ issue-34 67 14 increase increase NOUN issue-34 67 15 of of ADP issue-34 67 16 the the DET issue-34 67 17 role role NOUN issue-34 67 18 of of ADP issue-34 67 19 institutions institution NOUN issue-34 67 20 such such ADJ issue-34 67 21 as as ADP issue-34 67 22 mutual mutual ADJ issue-34 67 23 investment investment NOUN issue-34 67 24 funds fund NOUN issue-34 67 25 , , PUNCT issue-34 67 26 insurance insurance NOUN issue-34 67 27 companies company NOUN issue-34 67 28 , , PUNCT issue-34 67 29 credit credit NOUN issue-34 67 30 unions union NOUN issue-34 67 31 , , PUNCT issue-34 67 32 investment investment NOUN issue-34 67 33 companies company NOUN issue-34 67 34 that that PRON issue-34 67 35 should should AUX issue-34 67 36 be be AUX issue-34 67 37 particularly particularly ADV issue-34 67 38 important important ADJ issue-34 67 39 investors investor NOUN issue-34 67 40 of of ADP issue-34 67 41 the the DET issue-34 67 42 mortgage mortgage NOUN issue-34 67 43 housing housing NOUN issue-34 67 44 market market NOUN issue-34 67 45 . . PUNCT issue-34 68 1 the the DET issue-34 68 2 infrastructure infrastructure NOUN issue-34 68 3 of of ADP issue-34 68 4 the the DET issue-34 68 5 residential residential ADJ issue-34 68 6 real real ADJ issue-34 68 7 estate estate NOUN issue-34 68 8 market market NOUN issue-34 68 9 type type NOUN issue-34 68 10 of of ADP issue-34 68 11 residential residential ADJ issue-34 68 12 real real ADJ issue-34 68 13 estate estate NOUN issue-34 68 14 ( ( PUNCT issue-34 68 15 social social ADJ issue-34 68 16 , , PUNCT issue-34 68 17 elite elite ADJ issue-34 68 18 , , PUNCT issue-34 68 19 etc etc X issue-34 68 20 . . X issue-34 68 21 ) ) PUNCT issue-34 69 1 the the DET issue-34 69 2 control control NOUN issue-34 69 3 system system NOUN issue-34 69 4 of of ADP issue-34 69 5 mortgage mortgage NOUN issue-34 69 6 credit credit NOUN issue-34 69 7 relations relation NOUN issue-34 69 8 integration integration NOUN issue-34 69 9 of of ADP issue-34 69 10 the the DET issue-34 69 11 real real ADJ issue-34 69 12 estate estate NOUN issue-34 69 13 market market NOUN issue-34 69 14 the the DET issue-34 69 15 primary primary ADJ issue-34 69 16 and and CCONJ issue-34 69 17 secondary secondary ADJ issue-34 69 18 markets market NOUN issue-34 69 19 of of ADP issue-34 69 20 residential residential ADJ issue-34 69 21 real real ADJ issue-34 69 22 estate estate NOUN issue-34 69 23 the the DET issue-34 69 24 model model NOUN issue-34 69 25 of of ADP issue-34 69 26 mortgage mortgage NOUN issue-34 69 27 management management NOUN issue-34 69 28 monetary monetary ADJ issue-34 69 29 system system NOUN issue-34 69 30 and and CCONJ issue-34 69 31 the the DET issue-34 69 32 direction direction NOUN issue-34 69 33 of of ADP issue-34 69 34 regulation regulation NOUN issue-34 69 35 of of ADP issue-34 69 36 mortgage mortgage NOUN issue-34 69 37 lending lend VERB issue-34 69 38 the the DET issue-34 69 39 national national ADJ issue-34 69 40 legislation legislation NOUN issue-34 69 41 in in ADP issue-34 69 42 the the DET issue-34 69 43 field field NOUN issue-34 69 44 of of ADP issue-34 69 45 mortgage mortgage NOUN issue-34 69 46 lending lending NOUN issue-34 69 47 residential residential ADJ issue-34 69 48 real real ADJ issue-34 69 49 estate estate NOUN issue-34 69 50 the the DET issue-34 69 51 competitive competitive ADJ issue-34 69 52 environment environment NOUN issue-34 69 53 in in ADP issue-34 69 54 the the DET issue-34 69 55 sphere sphere NOUN issue-34 69 56 of of ADP issue-34 69 57 construction construction NOUN issue-34 69 58 and and CCONJ issue-34 69 59 lending lend VERB issue-34 69 60 the the DET issue-34 69 61 condition condition NOUN issue-34 69 62 of of ADP issue-34 69 63 the the DET issue-34 69 64 market market NOUN issue-34 69 65 of of ADP issue-34 69 66 housing housing NOUN issue-34 69 67 and and CCONJ issue-34 69 68 communal communal ADJ issue-34 69 69 services service NOUN issue-34 69 70 the the DET issue-34 69 71 mechanism mechanism NOUN issue-34 69 72 of of ADP issue-34 69 73 relations relation NOUN issue-34 69 74 in in ADP issue-34 69 75 the the DET issue-34 69 76 field field NOUN issue-34 69 77 of of ADP issue-34 69 78 residential residential ADJ issue-34 69 79 real real ADJ issue-34 69 80 estate estate NOUN issue-34 69 81 foreign foreign ADJ issue-34 69 82 experience experience NOUN issue-34 69 83 in in ADP issue-34 69 84 the the DET issue-34 69 85 sphere sphere NOUN issue-34 69 86 of of ADP issue-34 69 87 construction construction NOUN issue-34 69 88 and and CCONJ issue-34 69 89 housing housing NOUN issue-34 69 90 the the DET issue-34 69 91 national national ADJ issue-34 69 92 legislation legislation NOUN issue-34 69 93 in in ADP issue-34 69 94 the the DET issue-34 69 95 field field NOUN issue-34 69 96 of of ADP issue-34 69 97 construction construction NOUN issue-34 69 98 of of ADP issue-34 69 99 residential residential ADJ issue-34 69 100 property property NOUN issue-34 69 101 institutional institutional ADJ issue-34 69 102 environment environment NOUN issue-34 69 103 of of ADP issue-34 69 104 residential residential ADJ issue-34 69 105 real real ADJ issue-34 69 106 estate estate NOUN issue-34 69 107 pic pic NOUN issue-34 69 108 . . PUNCT issue-34 70 1 1.1 1.1 NUM issue-34 70 2 . . PUNCT issue-34 71 1 the the DET issue-34 71 2 living live VERB issue-34 71 3 conditions condition NOUN issue-34 71 4 of of ADP issue-34 71 5 mortgage mortgage NOUN issue-34 71 6 of of ADP issue-34 71 7 residential residential ADJ issue-34 71 8 property property NOUN issue-34 71 9 note note NOUN issue-34 71 10 . . PUNCT issue-34 71 11 created create VERB issue-34 71 12 by by ADP issue-34 71 13 the the DET issue-34 71 14 author author NOUN issue-34 71 15 baltic baltic PROPN issue-34 71 16 journal journal PROPN issue-34 71 17 of of ADP issue-34 71 18 economic economic ADJ issue-34 71 19 studies study NOUN issue-34 71 20 36 36 NUM issue-34 71 21 vol vol NOUN issue-34 71 22 . . PROPN issue-34 72 1 1 1 NUM issue-34 72 2 , , PUNCT issue-34 72 3 no no INTJ issue-34 72 4 . . NOUN issue-34 72 5 2 2 NUM issue-34 72 6 , , PUNCT issue-34 72 7 2015 2015 NUM issue-34 72 8 state state NOUN issue-34 72 9 and and CCONJ issue-34 72 10 non non ADJ issue-34 72 11 - - ADJ issue-34 72 12 state state ADJ issue-34 72 13 organisations organisation NOUN issue-34 72 14 and and CCONJ issue-34 72 15 institutions institution NOUN issue-34 72 16 t t VERB issue-34 72 17 he he PRON issue-34 72 18 n n CCONJ issue-34 72 19 at at ADP issue-34 72 20 io io X issue-34 72 21 na na ADP issue-34 72 22 l l PROPN issue-34 72 23 b b PROPN issue-34 72 24 an an DET issue-34 72 25 k k NOUN issue-34 72 26 of of ADP issue-34 72 27 u u NOUN issue-34 72 28 kr kr PROPN issue-34 72 29 ai ai VERB issue-34 72 30 ne ne ADP issue-34 72 31 banks bank NOUN issue-34 72 32 institutions institution NOUN issue-34 72 33 ( ( PUNCT issue-34 72 34 commercial commercial ADJ issue-34 72 35 banks bank NOUN issue-34 72 36 ) ) PUNCT issue-34 72 37 financial financial ADJ issue-34 72 38 - - PUNCT issue-34 72 39 credit credit NOUN issue-34 72 40 institutions institution NOUN issue-34 72 41 saving save VERB issue-34 72 42 mortgage mortgage NOUN issue-34 72 43 bank bank PROPN issue-34 72 44 associations association NOUN issue-34 72 45 infrastructure infrastructure NOUN issue-34 72 46 : : PUNCT issue-34 72 47 joint joint ADJ issue-34 72 48 investment investment NOUN issue-34 72 49 institutions institution NOUN issue-34 72 50 ; ; PUNCT issue-34 72 51 institutes institute NOUN issue-34 72 52 of of ADP issue-34 72 53 mutual mutual ADJ issue-34 72 54 investment investment NOUN issue-34 72 55 . . PUNCT issue-34 73 1 universal universal ADJ issue-34 73 2 banks bank NOUN issue-34 73 3 specialized specialize VERB issue-34 73 4 banks bank NOUN issue-34 73 5 t t PROPN issue-34 74 1 he he PRON issue-34 74 2 st st PROPN issue-34 74 3 at at ADP issue-34 74 4 e e PROPN issue-34 74 5 co co NOUN issue-34 74 6 m m PROPN issue-34 74 7 m m VERB issue-34 74 8 is be AUX issue-34 74 9 si si INTJ issue-34 74 10 on on ADV issue-34 74 11 fo fo INTJ issue-34 74 12 r r NOUN issue-34 74 13 re re X issue-34 74 14 gu gu X issue-34 74 15 la la PROPN issue-34 74 16 tio tio PROPN issue-34 74 17 n n PROPN issue-34 74 18 of of ADP issue-34 74 19 fin fin NOUN issue-34 74 20 an an PRON issue-34 74 21 ci ci PROPN issue-34 74 22 al al PROPN issue-34 74 23 se se PROPN issue-34 74 24 rv rv PROPN issue-34 75 1 ic ic PROPN issue-34 75 2 es es PROPN issue-34 75 3 m m PROPN issue-34 75 4 ar ar PROPN issue-34 75 5 ke ke PROPN issue-34 75 6 ts ts ADP issue-34 75 7 t t PROPN issue-34 75 8 he he PRON issue-34 76 1 b b PROPN issue-34 76 2 an an PRON issue-34 76 3 k k PROPN issue-34 76 4 sy sy PROPN issue-34 76 5 st st PROPN issue-34 77 1 em em PROPN issue-34 77 2 regulators regulator NOUN issue-34 77 3 pa pa PROPN issue-34 77 4 ra ra PROPN issue-34 78 1 ba ba PROPN issue-34 78 2 nk nk PROPN issue-34 78 3 s s PROPN issue-34 78 4 s s X issue-34 78 5 ys ys NOUN issue-34 78 6 te te PROPN issue-34 78 7 m m PROPN issue-34 78 8 • • NOUN issue-34 78 9 notary notary ADJ issue-34 78 10 authorities authority NOUN issue-34 78 11 • • VERB issue-34 78 12 real real ADJ issue-34 78 13 estate estate NOUN issue-34 78 14 companies company NOUN issue-34 78 15 • • ADP issue-34 78 16 depository depository NOUN issue-34 78 17 • • NOUN issue-34 78 18 credit credit NOUN issue-34 78 19 bureaus bureaus NOUN issue-34 78 20 • • NUM issue-34 78 21 rating rating NOUN issue-34 78 22 agencies agency NOUN issue-34 78 23 • • ADV issue-34 78 24 assessing assess VERB issue-34 78 25 agency agency NOUN issue-34 78 26 's 's PART issue-34 78 27 • • NOUN issue-34 78 28 judiciary judiciary NOUN issue-34 78 29 • • ADP issue-34 78 30 the the DET issue-34 78 31 fund fund NOUN issue-34 78 32 for for ADP issue-34 78 33 guaranteeing guarantee VERB issue-34 78 34 deposits deposit NOUN issue-34 78 35 of of ADP issue-34 78 36 natural natural ADJ issue-34 78 37 persons person NOUN issue-34 78 38 • • ADP issue-34 78 39 the the DET issue-34 78 40 unified unified ADJ issue-34 78 41 state state NOUN issue-34 78 42 registers register NOUN issue-34 78 43 of of ADP issue-34 78 44 rights right NOUN issue-34 78 45 • • ADP issue-34 78 46 the the DET issue-34 78 47 cabinet cabinet NOUN issue-34 78 48 of of ADP issue-34 78 49 ministers minister NOUN issue-34 78 50 of of ADP issue-34 78 51 ukraine ukraine ADJ issue-34 78 52 • • PROPN issue-34 78 53 ukrainian ukrainian PROPN issue-34 78 54 national national PROPN issue-34 78 55 mortgage mortgage PROPN issue-34 78 56 association association PROPN issue-34 78 57 • • ADP issue-34 78 58 the the DET issue-34 78 59 state state NOUN issue-34 78 60 mortgage mortgage NOUN issue-34 78 61 institution institution NOUN issue-34 78 62 • • ADP issue-34 78 63 the the DET issue-34 78 64 local local ADJ issue-34 78 65 governments government NOUN issue-34 78 66 . . PUNCT issue-34 79 1 specialized specialized ADJ issue-34 79 2 credit credit NOUN issue-34 79 3 - - PUNCT issue-34 79 4 investment investment NOUN issue-34 79 5 organizations organization NOUN issue-34 79 6 innovations innovation NOUN issue-34 79 7 investment investment NOUN issue-34 79 8 insurance insurance NOUN issue-34 79 9 companies company NOUN issue-34 79 10 pension pension NOUN issue-34 79 11 funds fund NOUN issue-34 79 12 guarantee guarantee VERB issue-34 79 13 funds fund NOUN issue-34 79 14 credit credit NOUN issue-34 79 15 unions union NOUN issue-34 79 16 investment investment NOUN issue-34 79 17 companies company NOUN issue-34 79 18 borrowers borrower VERB issue-34 79 19 residential residential ADJ issue-34 79 20 real real ADJ issue-34 79 21 estate estate NOUN issue-34 79 22 lenders lender NOUN issue-34 79 23 cooperative cooperative ADJ issue-34 79 24 saving save VERB issue-34 79 25 banks bank NOUN issue-34 79 26 infrastructure infrastructure NOUN issue-34 79 27 : : PUNCT issue-34 79 28 financial financial ADJ issue-34 79 29 - - PUNCT issue-34 79 30 industrial industrial ADJ issue-34 79 31 groups group NOUN issue-34 79 32 ; ; PUNCT issue-34 79 33 agencies agency NOUN issue-34 79 34 for for ADP issue-34 79 35 housing housing NOUN issue-34 79 36 mortgage mortgage NOUN issue-34 79 37 lendig lendig NOUN issue-34 79 38 ; ; PUNCT issue-34 79 39 savings saving NOUN issue-34 79 40 building building NOUN issue-34 79 41 cashs cash NOUN issue-34 79 42 . . PUNCT issue-34 80 1 pic pic NOUN issue-34 80 2 . . PUNCT issue-34 81 1 1.2 1.2 NUM issue-34 81 2 . . PUNCT issue-34 82 1 the the DET issue-34 82 2 institutional institutional ADJ issue-34 82 3 structure structure NOUN issue-34 82 4 of of ADP issue-34 82 5 mortgage mortgage NOUN issue-34 82 6 lending lending NOUN issue-34 82 7 residential residential ADJ issue-34 82 8 real real ADJ issue-34 82 9 estate estate NOUN issue-34 82 10 note note NOUN issue-34 82 11 . . PUNCT issue-34 83 1 created create VERB issue-34 83 2 by by ADP issue-34 83 3 the the DET issue-34 83 4 author author NOUN issue-34 83 5 it it PRON issue-34 83 6 should should AUX issue-34 83 7 be be AUX issue-34 83 8 noted note VERB issue-34 83 9 that that SCONJ issue-34 83 10 the the DET issue-34 83 11 activities activity NOUN issue-34 83 12 of of ADP issue-34 83 13 credit credit NOUN issue-34 83 14 unions union NOUN issue-34 83 15 and and CCONJ issue-34 83 16 cooperative cooperative ADJ issue-34 83 17 banks bank NOUN issue-34 83 18 in in ADP issue-34 83 19 the the DET issue-34 83 20 mortgage mortgage NOUN issue-34 83 21 market market NOUN issue-34 83 22 can can AUX issue-34 83 23 be be AUX issue-34 83 24 substantially substantially ADV issue-34 83 25 strengthened strengthen VERB issue-34 83 26 through through ADP issue-34 83 27 the the DET issue-34 83 28 establishment establishment NOUN issue-34 83 29 of of ADP issue-34 83 30 effective effective ADJ issue-34 83 31 legal legal ADJ issue-34 83 32 framework framework NOUN issue-34 83 33 for for ADP issue-34 83 34 the the DET issue-34 83 35 expansion expansion NOUN issue-34 83 36 of of ADP issue-34 83 37 cooperative cooperative ADJ issue-34 83 38 housing housing NOUN issue-34 83 39 mortgage mortgage NOUN issue-34 83 40 loan loan NOUN issue-34 83 41 . . PUNCT issue-34 84 1 in in ADP issue-34 84 2 modern modern ADJ issue-34 84 3 conditions condition NOUN issue-34 84 4 there there PRON issue-34 84 5 is be VERB issue-34 84 6 a a DET issue-34 84 7 need need NOUN issue-34 84 8 in in ADP issue-34 84 9 the the DET issue-34 84 10 formation formation NOUN issue-34 84 11 and and CCONJ issue-34 84 12 other other ADJ issue-34 84 13 financial financial ADJ issue-34 84 14 - - PUNCT issue-34 84 15 credit credit NOUN issue-34 84 16 institutions institution NOUN issue-34 84 17 of of ADP issue-34 84 18 mortgage mortgage NOUN issue-34 84 19 lending lending NOUN issue-34 84 20 of of ADP issue-34 84 21 housing housing NOUN issue-34 84 22 . . PUNCT issue-34 85 1 but but CCONJ issue-34 85 2 , , PUNCT issue-34 85 3 in in ADP issue-34 85 4 our our PRON issue-34 85 5 view view NOUN issue-34 85 6 , , PUNCT issue-34 85 7 today today NOUN issue-34 85 8 focus focus VERB issue-34 85 9 on on ADP issue-34 85 10 issues issue NOUN issue-34 85 11 such such ADJ issue-34 85 12 as as ADP issue-34 85 13 the the DET issue-34 85 14 creation creation NOUN issue-34 85 15 of of ADP issue-34 85 16 a a DET issue-34 85 17 highly highly ADV issue-34 85 18 developed developed ADJ issue-34 85 19 and and CCONJ issue-34 85 20 efficient efficient ADJ issue-34 85 21 institutional institutional ADJ issue-34 85 22 structure structure NOUN issue-34 85 23 of of ADP issue-34 85 24 mortgage mortgage NOUN issue-34 85 25 lending lending NOUN issue-34 85 26 market market NOUN issue-34 85 27 residential residential ADJ issue-34 85 28 real real ADJ issue-34 85 29 estate estate NOUN issue-34 85 30 . . PUNCT issue-34 86 1 a a DET issue-34 86 2 special special ADJ issue-34 86 3 role role NOUN issue-34 86 4 should should AUX issue-34 86 5 be be AUX issue-34 86 6 given give VERB issue-34 86 7 with with ADP issue-34 86 8 special special ADJ issue-34 86 9 banking banking NOUN issue-34 86 10 institutions institution NOUN issue-34 86 11 and and CCONJ issue-34 86 12 credit credit NOUN issue-34 86 13 agencies agency NOUN issue-34 86 14 in in ADP issue-34 86 15 the the DET issue-34 86 16 field field NOUN issue-34 86 17 of of ADP issue-34 86 18 mortgage mortgage NOUN issue-34 86 19 lending lending NOUN issue-34 86 20 . . PUNCT issue-34 87 1 in in ADP issue-34 87 2 ukraine ukraine NOUN issue-34 87 3 to to ADP issue-34 87 4 the the DET issue-34 87 5 bodies body NOUN issue-34 87 6 , , PUNCT issue-34 87 7 carrying carry VERB issue-34 87 8 out out ADP issue-34 87 9 regulation regulation NOUN issue-34 87 10 in in ADP issue-34 87 11 the the DET issue-34 87 12 sphere sphere NOUN issue-34 87 13 of of ADP issue-34 87 14 mortgage mortgage NOUN issue-34 87 15 lending lending NOUN issue-34 87 16 belongs belong VERB issue-34 87 17 to to ADP issue-34 87 18 the the DET issue-34 87 19 national national ADJ issue-34 87 20 commission commission PROPN issue-34 87 21 on on ADP issue-34 87 22 securities security NOUN issue-34 87 23 and and CCONJ issue-34 87 24 stock stock NOUN issue-34 87 25 market market NOUN issue-34 87 26 , , PUNCT issue-34 87 27 state state NOUN issue-34 87 28 commission commission NOUN issue-34 87 29 for for ADP issue-34 87 30 regulation regulation NOUN issue-34 87 31 of of ADP issue-34 87 32 financial financial ADJ issue-34 87 33 services service NOUN issue-34 87 34 markets market NOUN issue-34 87 35 of of ADP issue-34 87 36 ukraine ukraine NOUN issue-34 87 37 , , PUNCT issue-34 87 38 the the DET issue-34 87 39 national national PROPN issue-34 87 40 bank bank PROPN issue-34 87 41 of of ADP issue-34 87 42 ukraine ukraine PROPN issue-34 87 43 , , PUNCT issue-34 87 44 ministry ministry PROPN issue-34 87 45 of of ADP issue-34 87 46 finance finance PROPN issue-34 87 47 of of ADP issue-34 87 48 ukraine ukraine NOUN issue-34 87 49 , , PUNCT issue-34 87 50 state state NOUN issue-34 87 51 tax tax NOUN issue-34 87 52 service service NOUN issue-34 87 53 of of ADP issue-34 87 54 ukraine ukraine NOUN issue-34 87 55 and and CCONJ issue-34 87 56 other other ADJ issue-34 87 57 bodies body NOUN issue-34 87 58 of of ADP issue-34 87 59 state state NOUN issue-34 87 60 regulation regulation NOUN issue-34 87 61 , , PUNCT issue-34 87 62 the the DET issue-34 87 63 state state NOUN issue-34 87 64 property property NOUN issue-34 87 65 fund fund NOUN issue-34 87 66 , , PUNCT issue-34 87 67 state state NOUN issue-34 87 68 committee committee NOUN issue-34 87 69 of of ADP issue-34 87 70 ukraine ukraine PROPN issue-34 87 71 for for ADP issue-34 87 72 construction construction NOUN issue-34 87 73 and and CCONJ issue-34 87 74 architecture architecture NOUN issue-34 87 75 . . PUNCT issue-34 88 1 as as SCONJ issue-34 88 2 noted note VERB issue-34 88 3 above above ADV issue-34 88 4 , , PUNCT issue-34 88 5 baltic baltic ADJ issue-34 88 6 journal journal NOUN issue-34 88 7 of of ADP issue-34 88 8 economic economic ADJ issue-34 88 9 studies study NOUN issue-34 88 10 37 37 NUM issue-34 88 11 vol vol NOUN issue-34 88 12 . . PROPN issue-34 89 1 1 1 NUM issue-34 89 2 , , PUNCT issue-34 89 3 no no INTJ issue-34 89 4 . . NOUN issue-34 89 5 2 2 NUM issue-34 89 6 , , PUNCT issue-34 89 7 2015 2015 NUM issue-34 89 8 regulatory regulatory ADJ issue-34 89 9 functions function NOUN issue-34 89 10 in in ADP issue-34 89 11 the the DET issue-34 89 12 mortgage mortgage NOUN issue-34 89 13 housing housing NOUN issue-34 89 14 market market NOUN issue-34 89 15 are be AUX issue-34 89 16 also also ADV issue-34 89 17 held hold VERB issue-34 89 18 by by ADP issue-34 89 19 the the DET issue-34 89 20 local local ADJ issue-34 89 21 authorities authority NOUN issue-34 89 22 . . PUNCT issue-34 90 1 it it PRON issue-34 90 2 is be AUX issue-34 90 3 important important ADJ issue-34 90 4 to to PART issue-34 90 5 note note VERB issue-34 90 6 that that SCONJ issue-34 90 7 the the DET issue-34 90 8 authorities authority NOUN issue-34 90 9 who who PRON issue-34 90 10 regulate regulate VERB issue-34 90 11 the the DET issue-34 90 12 mortgage mortgage NOUN issue-34 90 13 market market NOUN issue-34 90 14 , , PUNCT issue-34 90 15 and and CCONJ issue-34 90 16 include include VERB issue-34 90 17 legislative legislative ADJ issue-34 90 18 authorities authority NOUN issue-34 90 19 , , PUNCT issue-34 90 20 executive executive ADJ issue-34 90 21 authorities authority NOUN issue-34 90 22 at at ADP issue-34 90 23 both both CCONJ issue-34 90 24 the the DET issue-34 90 25 local local ADJ issue-34 90 26 and and CCONJ issue-34 90 27 national national ADJ issue-34 90 28 levels level NOUN issue-34 90 29 . . PUNCT issue-34 91 1 our our PRON issue-34 91 2 proposed propose VERB issue-34 91 3 institutional institutional ADJ issue-34 91 4 structure structure NOUN issue-34 91 5 of of ADP issue-34 91 6 mortgage mortgage NOUN issue-34 91 7 lending lending NOUN issue-34 91 8 residential residential ADJ issue-34 91 9 real real ADJ issue-34 91 10 estate estate NOUN issue-34 91 11 should should AUX issue-34 91 12 be be AUX issue-34 91 13 an an DET issue-34 91 14 effective effective ADJ issue-34 91 15 mechanism mechanism NOUN issue-34 91 16 to to ADP issue-34 91 17 relatively relatively ADV issue-34 91 18 intensive intensive ADJ issue-34 91 19 housing housing NOUN issue-34 91 20 development development NOUN issue-34 91 21 and and CCONJ issue-34 91 22 lending lending NOUN issue-34 91 23 . . PUNCT issue-34 92 1 it it PRON issue-34 92 2 is be AUX issue-34 92 3 worth worth ADJ issue-34 92 4 to to ADP issue-34 92 5 noting note VERB issue-34 92 6 that that SCONJ issue-34 92 7 on on ADP issue-34 92 8 the the DET issue-34 92 9 state state NOUN issue-34 92 10 level level NOUN issue-34 92 11 to to PART issue-34 92 12 legislatively legislatively ADV issue-34 92 13 regulate regulate VERB issue-34 92 14 issues issue NOUN issue-34 92 15 related relate VERB issue-34 92 16 to to ADP issue-34 92 17 the the DET issue-34 92 18 functioning functioning NOUN issue-34 92 19 of of ADP issue-34 92 20 existing exist VERB issue-34 92 21 and and CCONJ issue-34 92 22 creation creation NOUN issue-34 92 23 of of ADP issue-34 92 24 new new ADJ issue-34 92 25 institutions institution NOUN issue-34 92 26 , , PUNCT issue-34 92 27 which which PRON issue-34 92 28 would would AUX issue-34 92 29 take take VERB issue-34 92 30 a a DET issue-34 92 31 direct direct ADJ issue-34 92 32 part part NOUN issue-34 92 33 in in ADP issue-34 92 34 the the DET issue-34 92 35 processes process NOUN issue-34 92 36 of of ADP issue-34 92 37 mortgage mortgage NOUN issue-34 92 38 lending lending NOUN issue-34 92 39 . . PUNCT issue-34 93 1 the the DET issue-34 93 2 most most ADV issue-34 93 3 efficient efficient ADJ issue-34 93 4 system system NOUN issue-34 93 5 in in ADP issue-34 93 6 the the DET issue-34 93 7 construction construction NOUN issue-34 93 8 and and CCONJ issue-34 93 9 real real ADJ issue-34 93 10 estate estate NOUN issue-34 93 11 crediting crediting NOUN issue-34 93 12 is be AUX issue-34 93 13 the the DET issue-34 93 14 union union NOUN issue-34 93 15 of of ADP issue-34 93 16 all all DET issue-34 93 17 the the DET issue-34 93 18 immediate immediate ADJ issue-34 93 19 participants participant NOUN issue-34 93 20 of of ADP issue-34 93 21 this this DET issue-34 93 22 process process NOUN issue-34 93 23 . . PUNCT issue-34 94 1 this this PRON issue-34 94 2 refers refer VERB issue-34 94 3 to to ADP issue-34 94 4 the the DET issue-34 94 5 merging merging NOUN issue-34 94 6 of of ADP issue-34 94 7 structures structure NOUN issue-34 94 8 that that PRON issue-34 94 9 are be AUX issue-34 94 10 associated associate VERB issue-34 94 11 with with ADP issue-34 94 12 the the DET issue-34 94 13 construction construction NOUN issue-34 94 14 , , PUNCT issue-34 94 15 commissioning commissioning NOUN issue-34 94 16 and and CCONJ issue-34 94 17 real real ADJ issue-34 94 18 estate estate NOUN issue-34 94 19 crediting crediting NOUN issue-34 94 20 , , PUNCT issue-34 94 21 and and CCONJ issue-34 94 22 also also ADV issue-34 94 23 of of ADP issue-34 94 24 local local ADJ issue-34 94 25 authorities authority NOUN issue-34 94 26 who who PRON issue-34 94 27 contributed contribute VERB issue-34 94 28 to to ADP issue-34 94 29 the the DET issue-34 94 30 construction construction NOUN issue-34 94 31 of of ADP issue-34 94 32 residential residential ADJ issue-34 94 33 property property NOUN issue-34 94 34 , , PUNCT issue-34 94 35 as as ADV issue-34 94 36 well well ADV issue-34 94 37 as as ADP issue-34 94 38 monitored monitor VERB issue-34 94 39 compliance compliance NOUN issue-34 94 40 with with ADP issue-34 94 41 all all DET issue-34 94 42 regulations regulation NOUN issue-34 94 43 . . PUNCT issue-34 95 1 4 4 X issue-34 95 2 . . X issue-34 95 3 findings finding VERB issue-34 95 4 one one NUM issue-34 95 5 common common ADJ issue-34 95 6 in in ADP issue-34 95 7 ukraine ukraine ADJ issue-34 95 8 directions direction NOUN issue-34 95 9 of of ADP issue-34 95 10 institutionalization institutionalization NOUN issue-34 95 11 mortgage mortgage NOUN issue-34 95 12 residential residential ADJ issue-34 95 13 real real ADJ issue-34 95 14 estate estate NOUN issue-34 95 15 market market NOUN issue-34 95 16 is be AUX issue-34 95 17 the the DET issue-34 95 18 creation creation NOUN issue-34 95 19 of of ADP issue-34 95 20 institutions institution NOUN issue-34 95 21 such such ADJ issue-34 95 22 as as ADP issue-34 95 23 investment investment NOUN issue-34 95 24 in in ADP issue-34 95 25 construction construction NOUN issue-34 95 26 companies company NOUN issue-34 95 27 . . PUNCT issue-34 96 1 example example NOUN issue-34 96 2 of of ADP issue-34 96 3 a a DET issue-34 96 4 classic classic ADJ issue-34 96 5 investment investment NOUN issue-34 96 6 company company NOUN issue-34 96 7 is be AUX issue-34 96 8 lcd lcd NOUN issue-34 96 9 “ " PUNCT issue-34 96 10 kyivmiskbud kyivmiskbud PROPN issue-34 96 11 ” " PUNCT issue-34 96 12 , , PUNCT issue-34 96 13 which which PRON issue-34 96 14 was be AUX issue-34 96 15 created create VERB issue-34 96 16 in in ADP issue-34 96 17 the the DET issue-34 96 18 late late ADJ issue-34 96 19 xx xx NUM issue-34 96 20 century century NOUN issue-34 96 21 . . PUNCT issue-34 97 1 housing housing NOUN issue-34 97 2 company company NOUN issue-34 97 3 “ " PUNCT issue-34 97 4 kyivmiskbud kyivmiskbud NOUN issue-34 97 5 ” " PUNCT issue-34 97 6 unites unite NOUN issue-34 97 7 as as ADP issue-34 97 8 an an DET issue-34 97 9 effective effective ADJ issue-34 97 10 and and CCONJ issue-34 97 11 efficient efficient ADJ issue-34 97 12 mechanism mechanism NOUN issue-34 97 13 to to PART issue-34 97 14 attract attract VERB issue-34 97 15 financial financial ADJ issue-34 97 16 resources resource NOUN issue-34 97 17 and and CCONJ issue-34 97 18 an an DET issue-34 97 19 effective effective ADJ issue-34 97 20 mechanism mechanism NOUN issue-34 97 21 of of ADP issue-34 97 22 investment investment NOUN issue-34 97 23 and and CCONJ issue-34 97 24 financing financing NOUN issue-34 97 25 of of ADP issue-34 97 26 construction construction NOUN issue-34 97 27 and and CCONJ issue-34 97 28 installation installation NOUN issue-34 97 29 works work NOUN issue-34 97 30 , , PUNCT issue-34 97 31 as as ADV issue-34 97 32 well well ADV issue-34 97 33 as as ADP issue-34 97 34 to to PART issue-34 97 35 reduce reduce VERB issue-34 97 36 the the DET issue-34 97 37 cost cost NOUN issue-34 97 38 of of ADP issue-34 97 39 development development NOUN issue-34 97 40 of of ADP issue-34 97 41 infrastructure infrastructure NOUN issue-34 97 42 , , PUNCT issue-34 97 43 manufacturing manufacturing NOUN issue-34 97 44 of of ADP issue-34 97 45 construction construction NOUN issue-34 97 46 materials material NOUN issue-34 97 47 , , PUNCT issue-34 97 48 provision provision NOUN issue-34 97 49 of of ADP issue-34 97 50 transport transport NOUN issue-34 97 51 and and CCONJ issue-34 97 52 lifting lifting NOUN issue-34 97 53 means mean NOUN issue-34 97 54 . . PUNCT issue-34 98 1 in in ADP issue-34 98 2 our our PRON issue-34 98 3 opinion opinion NOUN issue-34 98 4 , , PUNCT issue-34 98 5 the the DET issue-34 98 6 establishment establishment NOUN issue-34 98 7 of of ADP issue-34 98 8 associations association NOUN issue-34 98 9 institutions institution NOUN issue-34 98 10 operating operate VERB issue-34 98 11 on on ADP issue-34 98 12 the the DET issue-34 98 13 mortgage mortgage NOUN issue-34 98 14 lending lending NOUN issue-34 98 15 market market NOUN issue-34 98 16 , , PUNCT issue-34 98 17 will will AUX issue-34 98 18 significantly significantly ADV issue-34 98 19 improve improve VERB issue-34 98 20 the the DET issue-34 98 21 quality quality NOUN issue-34 98 22 , , PUNCT issue-34 98 23 capacity capacity NOUN issue-34 98 24 , , PUNCT issue-34 98 25 will will AUX issue-34 98 26 reduce reduce VERB issue-34 98 27 construction construction NOUN issue-34 98 28 time time NOUN issue-34 98 29 , , PUNCT issue-34 98 30 as as ADP issue-34 98 31 between between ADP issue-34 98 32 financial financial ADJ issue-34 98 33 and and CCONJ issue-34 98 34 industrial industrial ADJ issue-34 98 35 organizations organization NOUN issue-34 98 36 of of ADP issue-34 98 37 these these DET issue-34 98 38 institutions institution NOUN issue-34 98 39 develop develop VERB issue-34 98 40 special special ADJ issue-34 98 41 relationships relationship NOUN issue-34 98 42 , , PUNCT issue-34 98 43 which which PRON issue-34 98 44 , , PUNCT issue-34 98 45 as as ADP issue-34 98 46 a a DET issue-34 98 47 rule rule NOUN issue-34 98 48 , , PUNCT issue-34 98 49 not not PART issue-34 98 50 peculiar peculiar ADJ issue-34 98 51 to to ADP issue-34 98 52 the the DET issue-34 98 53 economy economy NOUN issue-34 98 54 as as ADP issue-34 98 55 a a DET issue-34 98 56 whole whole NOUN issue-34 98 57 . . PUNCT issue-34 99 1 the the DET issue-34 99 2 peculiarity peculiarity NOUN issue-34 99 3 of of ADP issue-34 99 4 these these DET issue-34 99 5 relations relation NOUN issue-34 99 6 is be AUX issue-34 99 7 that that SCONJ issue-34 99 8 such such ADJ issue-34 99 9 organizations organization NOUN issue-34 99 10 are be AUX issue-34 99 11 not not PART issue-34 99 12 subject subject ADJ issue-34 99 13 to to ADP issue-34 99 14 the the DET issue-34 99 15 general general ADJ issue-34 99 16 laws law NOUN issue-34 99 17 of of ADP issue-34 99 18 transformation transformation NOUN issue-34 99 19 of of ADP issue-34 99 20 the the DET issue-34 99 21 economy economy NOUN issue-34 99 22 that that PRON issue-34 99 23 are be AUX issue-34 99 24 directly directly ADV issue-34 99 25 manifest manifest ADJ issue-34 99 26 in in ADP issue-34 99 27 the the DET issue-34 99 28 fact fact NOUN issue-34 99 29 that that SCONJ issue-34 99 30 credits credit NOUN issue-34 99 31 for for ADP issue-34 99 32 real real ADJ issue-34 99 33 sector sector NOUN issue-34 99 34 of of ADP issue-34 99 35 economy economy NOUN issue-34 99 36 are be AUX issue-34 99 37 more more ADV issue-34 99 38 expensive expensive ADJ issue-34 99 39 than than ADP issue-34 99 40 the the DET issue-34 99 41 profitability profitability NOUN issue-34 99 42 of of ADP issue-34 99 43 production production NOUN issue-34 99 44 in in ADP issue-34 99 45 the the DET issue-34 99 46 construction construction NOUN issue-34 99 47 sector sector NOUN issue-34 99 48 . . PUNCT issue-34 100 1 development development NOUN issue-34 100 2 of of ADP issue-34 100 3 associations association NOUN issue-34 100 4 of of ADP issue-34 100 5 manufacturers manufacturer NOUN issue-34 100 6 , , PUNCT issue-34 100 7 builders builder NOUN issue-34 100 8 , , PUNCT issue-34 100 9 financial financial ADJ issue-34 100 10 and and CCONJ issue-34 100 11 insurance insurance NOUN issue-34 100 12 companies company NOUN issue-34 100 13 in in ADP issue-34 100 14 the the DET issue-34 100 15 system system NOUN issue-34 100 16 of of ADP issue-34 100 17 housing housing NOUN issue-34 100 18 construction construction NOUN issue-34 100 19 will will AUX issue-34 100 20 allow allow VERB issue-34 100 21 to to PART issue-34 100 22 solve solve VERB issue-34 100 23 some some DET issue-34 100 24 important important ADJ issue-34 100 25 problems problem NOUN issue-34 100 26 of of ADP issue-34 100 27 the the DET issue-34 100 28 industry industry NOUN issue-34 100 29 of of ADP issue-34 100 30 mortgage mortgage NOUN issue-34 100 31 lending lending NOUN issue-34 100 32 for for ADP issue-34 100 33 mass mass ADJ issue-34 100 34 housing housing NOUN issue-34 100 35 that that PRON issue-34 100 36 are be AUX issue-34 100 37 associated associate VERB issue-34 100 38 with with ADP issue-34 100 39 a a DET issue-34 100 40 particular particular ADJ issue-34 100 41 transitional transitional ADJ issue-34 100 42 stage stage NOUN issue-34 100 43 of of ADP issue-34 100 44 socioeconomic socioeconomic ADJ issue-34 100 45 development development NOUN issue-34 100 46 of of ADP issue-34 100 47 ukraine ukraine NOUN issue-34 100 48 . . PUNCT issue-34 101 1 it it PRON issue-34 101 2 should should AUX issue-34 101 3 be be AUX issue-34 101 4 noted note VERB issue-34 101 5 that that SCONJ issue-34 101 6 today today NOUN issue-34 101 7 there there PRON issue-34 101 8 are be VERB issue-34 101 9 many many ADJ issue-34 101 10 positive positive ADJ issue-34 101 11 factors factor NOUN issue-34 101 12 that that PRON issue-34 101 13 significantly significantly ADV issue-34 101 14 affect affect VERB issue-34 101 15 the the DET issue-34 101 16 development development NOUN issue-34 101 17 of of ADP issue-34 101 18 mortgage mortgage NOUN issue-34 101 19 lending lending NOUN issue-34 101 20 , , PUNCT issue-34 101 21 however however ADV issue-34 101 22 , , PUNCT issue-34 101 23 there there PRON issue-34 101 24 are be VERB issue-34 101 25 negative negative ADJ issue-34 101 26 . . PUNCT issue-34 102 1 in in ADP issue-34 102 2 turn turn NOUN issue-34 102 3 , , PUNCT issue-34 102 4 it it PRON issue-34 102 5 ’s ’ VERB issue-34 102 6 necessary necessary ADJ issue-34 102 7 minimize minimize VERB issue-34 102 8 the the DET issue-34 102 9 negative negative ADJ issue-34 102 10 factors factor NOUN issue-34 102 11 , , PUNCT issue-34 102 12 which which PRON issue-34 102 13 significantly significantly ADV issue-34 102 14 reduce reduce VERB issue-34 102 15 the the DET issue-34 102 16 possibility possibility NOUN issue-34 102 17 of of ADP issue-34 102 18 mortgage mortgage NOUN issue-34 102 19 lending lending NOUN issue-34 102 20 , , PUNCT issue-34 102 21 and and CCONJ issue-34 102 22 some some PRON issue-34 102 23 to to PART issue-34 102 24 eliminate eliminate VERB issue-34 102 25 through through ADP issue-34 102 26 the the DET issue-34 102 27 development development NOUN issue-34 102 28 of of ADP issue-34 102 29 effective effective ADJ issue-34 102 30 measures measure NOUN issue-34 102 31 on on ADP issue-34 102 32 creation creation NOUN issue-34 102 33 of of ADP issue-34 102 34 appropriate appropriate ADJ issue-34 102 35 conditions condition NOUN issue-34 102 36 , , PUNCT issue-34 102 37 namely namely ADV issue-34 102 38 : : PUNCT issue-34 102 39 reduce reduce VERB issue-34 102 40 interest interest NOUN issue-34 102 41 rates rate NOUN issue-34 102 42 on on ADP issue-34 102 43 mortgage mortgage NOUN issue-34 102 44 loans loan NOUN issue-34 102 45 ; ; PUNCT issue-34 102 46 extend extend VERB issue-34 102 47 mortgage mortgage NOUN issue-34 102 48 loans loan NOUN issue-34 102 49 for for ADP issue-34 102 50 construction construction NOUN issue-34 102 51 and and CCONJ issue-34 102 52 purchase purchase NOUN issue-34 102 53 of of ADP issue-34 102 54 residential residential ADJ issue-34 102 55 property property NOUN issue-34 102 56 up up ADP issue-34 102 57 to to PART issue-34 102 58 30 30 NUM issue-34 102 59 years year NOUN issue-34 102 60 ; ; PUNCT issue-34 102 61 create create VERB issue-34 102 62 a a DET issue-34 102 63 functioning function VERB issue-34 102 64 institutional institutional ADJ issue-34 102 65 infrastructure infrastructure NOUN issue-34 102 66 which which PRON issue-34 102 67 would would AUX issue-34 102 68 include include VERB issue-34 102 69 intermediary intermediary ADJ issue-34 102 70 structures structure NOUN issue-34 102 71 , , PUNCT issue-34 102 72 such such ADJ issue-34 102 73 as as ADP issue-34 102 74 realtors realtor NOUN issue-34 102 75 and and CCONJ issue-34 102 76 insurance insurance NOUN issue-34 102 77 companies company NOUN issue-34 102 78 on on ADP issue-34 102 79 a a DET issue-34 102 80 contractual contractual ADJ issue-34 102 81 basis basis NOUN issue-34 102 82 with with ADP issue-34 102 83 bank bank NOUN issue-34 102 84 , , PUNCT issue-34 102 85 which which PRON issue-34 102 86 provided provide VERB issue-34 102 87 a a DET issue-34 102 88 customer customer NOUN issue-34 102 89 search search NOUN issue-34 102 90 for for ADP issue-34 102 91 mortgage mortgage NOUN issue-34 102 92 lending lending NOUN issue-34 102 93 and and CCONJ issue-34 102 94 conducted conduct VERB issue-34 102 95 insurance insurance NOUN issue-34 102 96 mortgage mortgage NOUN issue-34 102 97 loans loan NOUN issue-34 102 98 ; ; PUNCT issue-34 102 99 improve improve VERB issue-34 102 100 the the DET issue-34 102 101 legislative legislative ADJ issue-34 102 102 and and CCONJ issue-34 102 103 regulatory regulatory ADJ issue-34 102 104 framework framework NOUN issue-34 102 105 , , PUNCT issue-34 102 106 which which PRON issue-34 102 107 would would AUX issue-34 102 108 explicitly explicitly ADV issue-34 102 109 regulate regulate VERB issue-34 102 110 the the DET issue-34 102 111 mortgage mortgage NOUN issue-34 102 112 lending lending NOUN issue-34 102 113 market market NOUN issue-34 102 114 residential residential ADJ issue-34 102 115 properties property NOUN issue-34 102 116 and and CCONJ issue-34 102 117 contributed contribute VERB issue-34 102 118 to to ADP issue-34 102 119 the the DET issue-34 102 120 growth growth NOUN issue-34 102 121 of of ADP issue-34 102 122 the the DET issue-34 102 123 construction construction NOUN issue-34 102 124 of of ADP issue-34 102 125 a a DET issue-34 102 126 primary primary ADJ issue-34 102 127 residence residence NOUN issue-34 102 128 . . PUNCT issue-34 103 1 it it PRON issue-34 103 2 should should AUX issue-34 103 3 be be AUX issue-34 103 4 noted note VERB issue-34 103 5 that that SCONJ issue-34 103 6 in in ADP issue-34 103 7 the the DET issue-34 103 8 structure structure NOUN issue-34 103 9 of of ADP issue-34 103 10 organizationaleconomic organizationaleconomic ADJ issue-34 103 11 mechanism mechanism NOUN issue-34 103 12 of of ADP issue-34 103 13 mortgage mortgage NOUN issue-34 103 14 crediting crediting NOUN issue-34 103 15 of of ADP issue-34 103 16 residential residential ADJ issue-34 103 17 real real ADJ issue-34 103 18 estate estate NOUN issue-34 103 19 important important ADJ issue-34 103 20 is be AUX issue-34 103 21 the the DET issue-34 103 22 relationship relationship NOUN issue-34 103 23 between between ADP issue-34 103 24 the the DET issue-34 103 25 bank bank NOUN issue-34 103 26 and and CCONJ issue-34 103 27 the the DET issue-34 103 28 borrower borrower NOUN issue-34 103 29 and and CCONJ issue-34 103 30 the the DET issue-34 103 31 bank bank NOUN issue-34 103 32 and and CCONJ issue-34 103 33 the the DET issue-34 103 34 developer developer NOUN issue-34 103 35 , , PUNCT issue-34 103 36 which which PRON issue-34 103 37 the the DET issue-34 103 38 process process NOUN issue-34 103 39 of of ADP issue-34 103 40 control control NOUN issue-34 103 41 the the DET issue-34 103 42 process process NOUN issue-34 103 43 of of ADP issue-34 103 44 financing finance VERB issue-34 103 45 the the DET issue-34 103 46 loan loan NOUN issue-34 103 47 giving give VERB issue-34 103 48 payment payment NOUN issue-34 103 49 of of ADP issue-34 103 50 bills bill NOUN issue-34 103 51 of of ADP issue-34 103 52 funding funding NOUN issue-34 103 53 for for ADP issue-34 103 54 the the DET issue-34 103 55 construction construction NOUN issue-34 103 56 contractors contractor NOUN issue-34 103 57 provides provide VERB issue-34 103 58 bank bank NOUN issue-34 103 59 information information NOUN issue-34 103 60 to to ADP issue-34 103 61 a a DET issue-34 103 62 target target NOUN issue-34 103 63 use use NOUN issue-34 103 64 of of ADP issue-34 103 65 funds fund NOUN issue-34 103 66 ( ( PUNCT issue-34 103 67 i.e. i.e. X issue-34 103 68 contracts contract NOUN issue-34 103 69 for for ADP issue-34 103 70 supply supply NOUN issue-34 103 71 of of ADP issue-34 103 72 materials material NOUN issue-34 103 73 , , PUNCT issue-34 103 74 works work NOUN issue-34 103 75 and and CCONJ issue-34 103 76 services service NOUN issue-34 103 77 , , PUNCT issue-34 103 78 as as ADV issue-34 103 79 well well ADV issue-34 103 80 as as ADP issue-34 103 81 the the DET issue-34 103 82 reports report NOUN issue-34 103 83 of of ADP issue-34 103 84 subordinates subordinate NOUN issue-34 103 85 , , PUNCT issue-34 103 86 confirming confirm VERB issue-34 103 87 the the DET issue-34 103 88 presence presence NOUN issue-34 103 89 present present ADJ issue-34 103 90 materials material NOUN issue-34 103 91 in in ADP issue-34 103 92 a a DET issue-34 103 93 warehouse warehouse NOUN issue-34 103 94 , , PUNCT issue-34 103 95 etc etc X issue-34 103 96 . . X issue-34 103 97 ) ) PUNCT issue-34 104 1 bank bank NOUN issue-34 104 2 developer developer NOUN issue-34 104 3 borrower borrower NOUN issue-34 104 4 pic pic NOUN issue-34 104 5 . . PUNCT issue-34 105 1 1.3 1.3 NUM issue-34 105 2 . . PUNCT issue-34 106 1 the the DET issue-34 106 2 scheme scheme NOUN issue-34 106 3 of of ADP issue-34 106 4 financing financing NOUN issue-34 106 5 and and CCONJ issue-34 106 6 control control NOUN issue-34 106 7 of of ADP issue-34 106 8 housing housing NOUN issue-34 106 9 construction construction NOUN issue-34 106 10 note note NOUN issue-34 106 11 . . PUNCT issue-34 106 12 created create VERB issue-34 106 13 by by ADP issue-34 106 14 the the DET issue-34 106 15 author author NOUN issue-34 106 16 baltic baltic PROPN issue-34 106 17 journal journal PROPN issue-34 106 18 of of ADP issue-34 106 19 economic economic ADJ issue-34 106 20 studies study NOUN issue-34 106 21 38 38 NUM issue-34 106 22 vol vol NOUN issue-34 106 23 . . PROPN issue-34 107 1 1 1 NUM issue-34 107 2 , , PUNCT issue-34 107 3 no no INTJ issue-34 107 4 . . NOUN issue-34 107 5 2 2 NUM issue-34 107 6 , , PUNCT issue-34 107 7 2015 2015 NUM issue-34 107 8 is be AUX issue-34 107 9 manifested manifest VERB issue-34 107 10 in in ADP issue-34 107 11 the the DET issue-34 107 12 processes process NOUN issue-34 107 13 of of ADP issue-34 107 14 financing financing NOUN issue-34 107 15 and and CCONJ issue-34 107 16 control control NOUN issue-34 107 17 ( ( PUNCT issue-34 107 18 pic pic NOUN issue-34 107 19 . . PUNCT issue-34 107 20 1.3 1.3 NUM issue-34 107 21 ) ) PUNCT issue-34 107 22 . . PUNCT issue-34 108 1 in in ADP issue-34 108 2 our our PRON issue-34 108 3 opinion opinion NOUN issue-34 108 4 , , PUNCT issue-34 108 5 the the DET issue-34 108 6 most most ADV issue-34 108 7 rational rational ADJ issue-34 108 8 scheme scheme NOUN issue-34 108 9 that that SCONJ issue-34 108 10 we we PRON issue-34 108 11 propose propose VERB issue-34 108 12 , , PUNCT issue-34 108 13 should should AUX issue-34 108 14 be be AUX issue-34 108 15 the the DET issue-34 108 16 scheme scheme NOUN issue-34 108 17 that that PRON issue-34 108 18 includes include VERB issue-34 108 19 only only ADV issue-34 108 20 direct direct ADJ issue-34 108 21 participants participant NOUN issue-34 108 22 of of ADP issue-34 108 23 the the DET issue-34 108 24 mortgage mortgage NOUN issue-34 108 25 market market NOUN issue-34 108 26 : : PUNCT issue-34 108 27 the the DET issue-34 108 28 borrower borrower NOUN issue-34 108 29 as as ADP issue-34 108 30 a a DET issue-34 108 31 direct direct ADJ issue-34 108 32 investor investor NOUN issue-34 108 33 housing housing NOUN issue-34 108 34 lender lender NOUN issue-34 108 35 , , PUNCT issue-34 108 36 i.e. i.e. X issue-34 108 37 the the DET issue-34 108 38 bank bank NOUN issue-34 108 39 shall shall AUX issue-34 108 40 credit credit VERB issue-34 108 41 the the DET issue-34 108 42 applicant applicant NOUN issue-34 108 43 for for ADP issue-34 108 44 the the DET issue-34 108 45 purchase purchase NOUN issue-34 108 46 of of ADP issue-34 108 47 housing housing NOUN issue-34 108 48 , , PUNCT issue-34 108 49 and and CCONJ issue-34 108 50 the the DET issue-34 108 51 developer developer NOUN issue-34 108 52 who who PRON issue-34 108 53 builds build VERB issue-34 108 54 residential residential ADJ issue-34 108 55 facility facility NOUN issue-34 108 56 . . PUNCT issue-34 109 1 the the DET issue-34 109 2 bank bank NOUN issue-34 109 3 acts act VERB issue-34 109 4 in in ADP issue-34 109 5 a a DET issue-34 109 6 dual dual ADJ issue-34 109 7 role role NOUN issue-34 109 8 , , PUNCT issue-34 109 9 first first ADV issue-34 109 10 is be AUX issue-34 109 11 lending lend VERB issue-34 109 12 to to ADP issue-34 109 13 home home NOUN issue-34 109 14 buyers buyer NOUN issue-34 109 15 and and CCONJ issue-34 109 16 secondly secondly ADV issue-34 109 17 in in ADP issue-34 109 18 financing financing NOUN issue-34 109 19 of of ADP issue-34 109 20 the the DET issue-34 109 21 developer developer NOUN issue-34 109 22 . . PUNCT issue-34 110 1 the the DET issue-34 110 2 bank bank NOUN issue-34 110 3 is be AUX issue-34 110 4 in in ADP issue-34 110 5 the the DET issue-34 110 6 process process NOUN issue-34 110 7 of of ADP issue-34 110 8 funding funding NOUN issue-34 110 9 should should AUX issue-34 110 10 not not PART issue-34 110 11 only only ADV issue-34 110 12 finance finance VERB issue-34 110 13 , , PUNCT issue-34 110 14 but but CCONJ issue-34 110 15 also also ADV issue-34 110 16 to to PART issue-34 110 17 exercise exercise VERB issue-34 110 18 control control NOUN issue-34 110 19 over over ADP issue-34 110 20 the the DET issue-34 110 21 use use NOUN issue-34 110 22 of of ADP issue-34 110 23 financial financial ADJ issue-34 110 24 resources resource NOUN issue-34 110 25 . . PUNCT issue-34 111 1 such such ADJ issue-34 111 2 processes process NOUN issue-34 111 3 of of ADP issue-34 111 4 financing finance VERB issue-34 111 5 housing housing NOUN issue-34 111 6 construction construction NOUN issue-34 111 7 and and CCONJ issue-34 111 8 control control NOUN issue-34 111 9 over over ADP issue-34 111 10 the the DET issue-34 111 11 use use NOUN issue-34 111 12 of of ADP issue-34 111 13 funds fund NOUN issue-34 111 14 to to PART issue-34 111 15 promote promote VERB issue-34 111 16 compliance compliance NOUN issue-34 111 17 with with ADP issue-34 111 18 the the DET issue-34 111 19 construction construction NOUN issue-34 111 20 schedule schedule NOUN issue-34 111 21 and and CCONJ issue-34 111 22 minimize minimize VERB issue-34 111 23 level level NOUN issue-34 111 24 of of ADP issue-34 111 25 risk risk NOUN issue-34 111 26 . . PUNCT issue-34 112 1 to to PART issue-34 112 2 ensure ensure VERB issue-34 112 3 an an DET issue-34 112 4 effective effective ADJ issue-34 112 5 mechanism mechanism NOUN issue-34 112 6 of of ADP issue-34 112 7 financing finance VERB issue-34 112 8 the the DET issue-34 112 9 construction construction NOUN issue-34 112 10 and and CCONJ issue-34 112 11 control control NOUN issue-34 112 12 functions function NOUN issue-34 112 13 as as ADP issue-34 112 14 for for ADP issue-34 112 15 conventional conventional ADJ issue-34 112 16 lending lending NOUN issue-34 112 17 , , PUNCT issue-34 112 18 are be AUX issue-34 112 19 assigned assign VERB issue-34 112 20 to to ADP issue-34 112 21 the the DET issue-34 112 22 credit credit NOUN issue-34 112 23 division division NOUN issue-34 112 24 of of ADP issue-34 112 25 the the DET issue-34 112 26 bank bank NOUN issue-34 112 27 . . PUNCT issue-34 113 1 it it PRON issue-34 113 2 should should AUX issue-34 113 3 be be AUX issue-34 113 4 noted note VERB issue-34 113 5 that that SCONJ issue-34 113 6 in in ADP issue-34 113 7 mortgage mortgage NOUN issue-34 113 8 lending lending NOUN issue-34 113 9 , , PUNCT issue-34 113 10 which which PRON issue-34 113 11 involved involve VERB issue-34 113 12 not not PART issue-34 113 13 only only ADV issue-34 113 14 the the DET issue-34 113 15 borrower borrower NOUN issue-34 113 16 and and CCONJ issue-34 113 17 the the DET issue-34 113 18 bank bank NOUN issue-34 113 19 , , PUNCT issue-34 113 20 and and CCONJ issue-34 113 21 the the DET issue-34 113 22 developer developer NOUN issue-34 113 23 and and CCONJ issue-34 113 24 other other ADJ issue-34 113 25 entities entity NOUN issue-34 113 26 , , PUNCT issue-34 113 27 such such ADJ issue-34 113 28 as as ADP issue-34 113 29 insurance insurance NOUN issue-34 113 30 companies company NOUN issue-34 113 31 , , PUNCT issue-34 113 32 construction construction NOUN issue-34 113 33 and and CCONJ issue-34 113 34 transport transport NOUN issue-34 113 35 companies company NOUN issue-34 113 36 and and CCONJ issue-34 113 37 other other ADJ issue-34 113 38 business business NOUN issue-34 113 39 entities entity NOUN issue-34 113 40 , , PUNCT issue-34 113 41 therefore therefore ADV issue-34 113 42 , , PUNCT issue-34 113 43 to to PART issue-34 113 44 ensure ensure VERB issue-34 113 45 effective effective ADJ issue-34 113 46 and and CCONJ issue-34 113 47 efficient efficient ADJ issue-34 113 48 mortgage mortgage NOUN issue-34 113 49 lending lending NOUN issue-34 113 50 residential residential ADJ issue-34 113 51 real real ADJ issue-34 113 52 estate estate NOUN issue-34 113 53 banking banking NOUN issue-34 113 54 institutions institution NOUN issue-34 113 55 need need VERB issue-34 113 56 to to PART issue-34 113 57 extend extend VERB issue-34 113 58 the the DET issue-34 113 59 study study NOUN issue-34 113 60 of of ADP issue-34 113 61 the the DET issue-34 113 62 demand demand NOUN issue-34 113 63 for for ADP issue-34 113 64 residential residential ADJ issue-34 113 65 real real ADJ issue-34 113 66 estate estate NOUN issue-34 113 67 and and CCONJ issue-34 113 68 lending lending NOUN issue-34 113 69 , , PUNCT issue-34 113 70 while while SCONJ issue-34 113 71 providing provide VERB issue-34 113 72 their their PRON issue-34 113 73 complexity complexity NOUN issue-34 113 74 . . PUNCT issue-34 114 1 5 5 X issue-34 114 2 . . X issue-34 114 3 conclusions conclusion NOUN issue-34 114 4 in in ADP issue-34 114 5 our our PRON issue-34 114 6 opinion opinion NOUN issue-34 114 7 , , PUNCT issue-34 114 8 the the DET issue-34 114 9 study study NOUN issue-34 114 10 should should AUX issue-34 114 11 be be AUX issue-34 114 12 considered consider VERB issue-34 114 13 as as ADP issue-34 114 14 a a DET issue-34 114 15 possible possible ADJ issue-34 114 16 infrastructural infrastructural ADJ issue-34 114 17 division division NOUN issue-34 114 18 of of ADP issue-34 114 19 the the DET issue-34 114 20 developer developer NOUN issue-34 114 21 , , PUNCT issue-34 114 22 and and CCONJ issue-34 114 23 possible possible ADJ issue-34 114 24 home home NOUN issue-34 114 25 buyers buyer NOUN issue-34 114 26 . . PUNCT issue-34 115 1 at at ADP issue-34 115 2 the the DET issue-34 115 3 same same ADJ issue-34 115 4 time time NOUN issue-34 115 5 allocated allocate VERB issue-34 115 6 indicators indicator NOUN issue-34 115 7 such such ADJ issue-34 115 8 as as ADP issue-34 115 9 down down ADP issue-34 115 10 payment payment NOUN issue-34 115 11 , , PUNCT issue-34 115 12 loan loan NOUN issue-34 115 13 term term NOUN issue-34 115 14 and and CCONJ issue-34 115 15 interest interest NOUN issue-34 115 16 rate rate NOUN issue-34 115 17 . . PUNCT issue-34 116 1 note note VERB issue-34 116 2 that that SCONJ issue-34 116 3 the the DET issue-34 116 4 initial initial ADJ issue-34 116 5 deposit deposit NOUN issue-34 116 6 should should AUX issue-34 116 7 be be AUX issue-34 116 8 economically economically ADV issue-34 116 9 justified justify VERB issue-34 116 10 , , PUNCT issue-34 116 11 based base VERB issue-34 116 12 on on ADP issue-34 116 13 the the DET issue-34 116 14 cost cost NOUN issue-34 116 15 of of ADP issue-34 116 16 the the DET issue-34 116 17 developer developer NOUN issue-34 116 18 , , PUNCT issue-34 116 19 at at ADP issue-34 116 20 the the DET issue-34 116 21 stage stage NOUN issue-34 116 22 of of ADP issue-34 116 23 the the DET issue-34 116 24 construction construction NOUN issue-34 116 25 and and CCONJ issue-34 116 26 the the DET issue-34 116 27 timetable timetable NOUN issue-34 116 28 for for ADP issue-34 116 29 construction construction NOUN issue-34 116 30 . . PUNCT issue-34 117 1 another another DET issue-34 117 2 positive positive ADJ issue-34 117 3 aspect aspect NOUN issue-34 117 4 of of ADP issue-34 117 5 mortgage mortgage NOUN issue-34 117 6 lending lending NOUN issue-34 117 7 can can AUX issue-34 117 8 be be AUX issue-34 117 9 providing provide VERB issue-34 117 10 the the DET issue-34 117 11 borrower borrower NOUN issue-34 117 12 with with ADP issue-34 117 13 some some DET issue-34 117 14 free free ADJ issue-34 117 15 services service NOUN issue-34 117 16 , , PUNCT issue-34 117 17 such such ADJ issue-34 117 18 as as ADP issue-34 117 19 : : PUNCT issue-34 117 20 long long ADJ issue-34 117 21 - - PUNCT issue-34 117 22 term term NOUN issue-34 117 23 deposit deposit NOUN issue-34 117 24 on on ADP issue-34 117 25 favorable favorable ADJ issue-34 117 26 terms term NOUN issue-34 117 27 , , PUNCT issue-34 117 28 notary notary ADJ issue-34 117 29 services service NOUN issue-34 117 30 , , PUNCT issue-34 117 31 insurance insurance NOUN issue-34 117 32 , , PUNCT issue-34 117 33 discounts discount NOUN issue-34 117 34 on on ADP issue-34 117 35 bank bank NOUN issue-34 117 36 services service NOUN issue-34 117 37 , , PUNCT issue-34 117 38 providing provide VERB issue-34 117 39 services service NOUN issue-34 117 40 to to ADP issue-34 117 41 the the DET issue-34 117 42 bank bank NOUN issue-34 117 43 and and CCONJ issue-34 117 44 the the DET issue-34 117 45 developer developer NOUN issue-34 117 46 , , PUNCT issue-34 117 47 given give VERB issue-34 117 48 appropriate appropriate ADJ issue-34 117 49 training training NOUN issue-34 117 50 of of ADP issue-34 117 51 the the DET issue-34 117 52 borrower borrower NOUN issue-34 117 53 and and CCONJ issue-34 117 54 so so ADV issue-34 117 55 forth forth ADV issue-34 117 56 . . PUNCT issue-34 118 1 in in ADP issue-34 118 2 addition addition NOUN issue-34 118 3 to to ADP issue-34 118 4 the the DET issue-34 118 5 above above NOUN issue-34 118 6 , , PUNCT issue-34 118 7 it it PRON issue-34 118 8 is be AUX issue-34 118 9 worth worth ADJ issue-34 118 10 considering consider VERB issue-34 118 11 the the DET issue-34 118 12 age age NOUN issue-34 118 13 of of ADP issue-34 118 14 the the DET issue-34 118 15 borrower borrower NOUN issue-34 118 16 . . PUNCT issue-34 119 1 as as SCONJ issue-34 119 2 practice practice NOUN issue-34 119 3 shows show NOUN issue-34 119 4 , , PUNCT issue-34 119 5 most most ADJ issue-34 119 6 need need VERB issue-34 119 7 mortgage mortgage NOUN issue-34 119 8 loans loan NOUN issue-34 119 9 young young ADJ issue-34 119 10 and and CCONJ issue-34 119 11 wealthy wealthy ADJ issue-34 119 12 clients client NOUN issue-34 119 13 . . PUNCT issue-34 120 1 with with ADP issue-34 120 2 this this DET issue-34 120 3 purpose purpose NOUN issue-34 120 4 , , PUNCT issue-34 120 5 you you PRON issue-34 120 6 need need VERB issue-34 120 7 also also ADV issue-34 120 8 to to PART issue-34 120 9 diversify diversify VERB issue-34 120 10 the the DET issue-34 120 11 types type NOUN issue-34 120 12 of of ADP issue-34 120 13 loans loan NOUN issue-34 120 14 . . PUNCT issue-34 121 1 young young ADJ issue-34 121 2 people people NOUN issue-34 121 3 without without ADP issue-34 121 4 significant significant ADJ issue-34 121 5 income income NOUN issue-34 121 6 , , PUNCT issue-34 121 7 applying apply VERB issue-34 121 8 for for ADP issue-34 121 9 social social ADJ issue-34 121 10 housing housing NOUN issue-34 121 11 , , PUNCT issue-34 121 12 while while SCONJ issue-34 121 13 the the DET issue-34 121 14 wealthy wealthy ADJ issue-34 121 15 – – PUNCT issue-34 121 16 for for ADP issue-34 121 17 luxury luxury NOUN issue-34 121 18 housing housing NOUN issue-34 121 19 and and CCONJ issue-34 121 20 placing place VERB issue-34 121 21 home home NOUN issue-34 121 22 in in ADP issue-34 121 23 a a DET issue-34 121 24 prestigious prestigious ADJ issue-34 121 25 area area NOUN issue-34 121 26 of of ADP issue-34 121 27 the the DET issue-34 121 28 city city NOUN issue-34 121 29 , , PUNCT issue-34 121 30 and and CCONJ issue-34 121 31 also also ADV issue-34 121 32 to to ADP issue-34 121 33 a a DET issue-34 121 34 smaller small ADJ issue-34 121 35 house house NOUN issue-34 121 36 . . PUNCT issue-34 122 1 so so ADV issue-34 122 2 , , PUNCT issue-34 122 3 on on ADP issue-34 122 4 the the DET issue-34 122 5 basis basis NOUN issue-34 122 6 of of ADP issue-34 122 7 the the DET issue-34 122 8 study study NOUN issue-34 122 9 note note VERB issue-34 122 10 that that SCONJ issue-34 122 11 in in ADP issue-34 122 12 each each DET issue-34 122 13 embodiment embodiment NOUN issue-34 122 14 , , PUNCT issue-34 122 15 when when SCONJ issue-34 122 16 bank bank NOUN issue-34 122 17 mortgage mortgage NOUN issue-34 122 18 lending lending NOUN issue-34 122 19 should should AUX issue-34 122 20 apply apply VERB issue-34 122 21 new new ADJ issue-34 122 22 forms form NOUN issue-34 122 23 and and CCONJ issue-34 122 24 methods method NOUN issue-34 122 25 of of ADP issue-34 122 26 mortgage mortgage NOUN issue-34 122 27 lending lending NOUN issue-34 122 28 , , PUNCT issue-34 122 29 as as ADV issue-34 122 30 well well ADV issue-34 122 31 as as ADP issue-34 122 32 implement implement VERB issue-34 122 33 the the DET issue-34 122 34 latest late ADJ issue-34 122 35 technology technology NOUN issue-34 122 36 in in ADP issue-34 122 37 the the DET issue-34 122 38 field field NOUN issue-34 122 39 of of ADP issue-34 122 40 providing provide VERB issue-34 122 41 banking banking NOUN issue-34 122 42 services service NOUN issue-34 122 43 and and CCONJ issue-34 122 44 lending lending NOUN issue-34 122 45 , , PUNCT issue-34 122 46 especially especially ADV issue-34 122 47 mortgages mortgage NOUN issue-34 122 48 . . PUNCT issue-34 123 1 references reference NOUN issue-34 123 2 bazylevych bazylevych PROPN issue-34 123 3 , , PUNCT issue-34 123 4 v. v. PROPN issue-34 123 5 d. d. PROPN issue-34 123 6 ( ( PUNCT issue-34 123 7 2008 2008 NUM issue-34 123 8 ) ) PUNCT issue-34 123 9 . . PUNCT issue-34 124 1 mortgage mortgage NOUN issue-34 124 2 market market NOUN issue-34 124 3 – – PUNCT issue-34 124 4 kyiv kyiv ADJ issue-34 124 5 , , PUNCT issue-34 124 6 p. p. NOUN issue-34 124 7 214 214 NUM issue-34 124 8 - - SYM issue-34 124 9 220 220 NUM issue-34 124 10 . . PUNCT issue-34 125 1 klimko klimko PROPN issue-34 125 2 , , PUNCT issue-34 125 3 g. g. PROPN issue-34 125 4 n. n. PROPN issue-34 125 5 ( ( PUNCT issue-34 125 6 1997 1997 NUM issue-34 125 7 ) ) PUNCT issue-34 125 8 . . PUNCT issue-34 126 1 basic basic ADJ issue-34 126 2 economic economic ADJ issue-34 126 3 theory theory NOUN issue-34 126 4 : : PUNCT issue-34 126 5 political political ADJ issue-34 126 6 economy economy NOUN issue-34 126 7 aspect aspect NOUN issue-34 126 8 – – PUNCT issue-34 126 9 knowledge knowledge NOUN issue-34 126 10 , , PUNCT issue-34 126 11 p. p. NOUN issue-34 126 12 20 20 NUM issue-34 126 13 ; ; PUNCT issue-34 126 14 204 204 NUM issue-34 126 15 - - SYM issue-34 126 16 211 211 NUM issue-34 126 17 . . PUNCT issue-34 127 1 lagutin lagutin PROPN issue-34 127 2 , , PUNCT issue-34 127 3 v. v. PROPN issue-34 127 4 d. d. PROPN issue-34 127 5 ( ( PUNCT issue-34 127 6 2004 2004 NUM issue-34 127 7 ) ) PUNCT issue-34 127 8 . . PUNCT issue-34 128 1 the the DET issue-34 128 2 formation formation NOUN issue-34 128 3 and and CCONJ issue-34 128 4 development development NOUN issue-34 128 5 of of ADP issue-34 128 6 system system NOUN issue-34 128 7 of of ADP issue-34 128 8 mortgage mortgage NOUN issue-34 128 9 lending lending NOUN issue-34 128 10 . . PUNCT issue-34 129 1 finance finance NOUN issue-34 129 2 of of ADP issue-34 129 3 ukraine ukraine NOUN issue-34 129 4 , , PUNCT issue-34 129 5 no no INTJ issue-34 129 6 . . NOUN issue-34 129 7 1 1 NUM issue-34 129 8 , , PUNCT issue-34 129 9 p. p. NOUN issue-34 129 10 75 75 NUM issue-34 129 11 - - SYM issue-34 129 12 82 82 NUM issue-34 129 13 . . PUNCT issue-34 130 1 the the DET issue-34 130 2 official official ADJ issue-34 130 3 website website NOUN issue-34 130 4 of of ADP issue-34 130 5 the the DET issue-34 130 6 state state NOUN issue-34 130 7 mortgage mortgage NOUN issue-34 130 8 agency agency NOUN issue-34 130 9 . . PUNCT issue-34 131 1 [ [ X issue-34 131 2 electronic electronic ADJ issue-34 131 3 resource resource NOUN issue-34 131 4 ] ] PUNCT issue-34 131 5 . . PUNCT issue-34 132 1 – – PUNCT issue-34 132 2 retrieved retrieve VERB issue-34 132 3 from from ADP issue-34 132 4 : : PUNCT issue-34 132 5 http:// http:// PROPN issue-34 132 6 www.ipoteka.gov.ua www.ipoteka.gov.ua NOUN issue-34 132 7 the the DET issue-34 132 8 official official ADJ issue-34 132 9 website website NOUN issue-34 132 10 of of ADP issue-34 132 11 the the DET issue-34 132 12 ukrainian ukrainian ADJ issue-34 132 13 national national PROPN issue-34 132 14 mortgage mortgage PROPN issue-34 132 15 association association PROPN issue-34 132 16 . . PUNCT issue-34 133 1 [ [ X issue-34 133 2 electronic electronic ADJ issue-34 133 3 resource resource NOUN issue-34 133 4 ] ] PUNCT issue-34 133 5 . . PUNCT issue-34 134 1 – – PUNCT issue-34 134 2 retrieved retrieve VERB issue-34 134 3 from from ADP issue-34 134 4 : : PUNCT issue-34 134 5 http://www.unia.com http://www.unia.com X issue-34 134 6 александр александр PROPN issue-34 134 7 головень головень PROPN issue-34 134 8 , , PUNCT issue-34 134 9 владимир владимир PROPN issue-34 134 10 корнеев корнеев VERB issue-34 134 11 совершенствование совершенствование PROPN issue-34 134 12 системы системы PROPN issue-34 134 13 ипотечного ипотечного VERB issue-34 134 14 кредитования кредитования NOUN issue-34 134 15 жилой жилой VERB issue-34 134 16 недвижи недвижи NOUN issue-34 134 17 мости мости PROPN issue-34 134 18 украины украины PROPN issue-34 134 19 аннотация аннотация NOUN issue-34 134 20 . . PUNCT issue-34 135 1 целью целью PROPN issue-34 135 2 работы работы PROPN issue-34 135 3 является является NOUN issue-34 135 4 совершенствование совершенствование PROPN issue-34 135 5 системы системы PROPN issue-34 135 6 ипотечного ипотечного VERB issue-34 135 7 кредитования кредитования PROPN issue-34 135 8 жилой жилой VERB issue-34 135 9 недвижимости недвижимости PROPN issue-34 135 10 в в PROPN issue-34 135 11 украине украине PROPN issue-34 135 12 . . PROPN issue-34 136 1 ипотечное ипотечное PROPN issue-34 136 2 кредитование кредитование PROPN issue-34 136 3 появилось появилось PROPN issue-34 136 4 в в PROPN issue-34 136 5 украине украине PROPN issue-34 136 6 еще еще PROPN issue-34 136 7 в в PROPN issue-34 136 8 начале начале NOUN issue-34 136 9 хvii хvii PROPN issue-34 136 10 века века PROPN issue-34 136 11 , , PUNCT issue-34 136 12 на на PROPN issue-34 136 13 сегодня сегодня PROPN issue-34 136 14 актуальной актуальной PROPN issue-34 136 15 проблемой проблемой PROPN issue-34 136 16 является является PROPN issue-34 136 17 незначительная незначительная PROPN issue-34 136 18 доля доля VERB issue-34 136 19 в в PROPN issue-34 136 20 банковском банковском PROPN issue-34 136 21 портфеле портфеле PROPN issue-34 136 22 долгосрочных долгосрочных PROPN issue-34 136 23 ипотечных ипотечных NOUN issue-34 136 24 кредитов кредитов NOUN issue-34 136 25 , , PUNCT issue-34 136 26 поскольку поскольку NOUN issue-34 136 27 банки банки NOUN issue-34 136 28 , , PUNCT issue-34 136 29 с с PROPN issue-34 136 30 одной одной VERB issue-34 136 31 стороны стороны X issue-34 136 32 , , PUNCT issue-34 136 33 стремятся стремятся VERB issue-34 136 34 вращать вращать ADJ issue-34 136 35 без без DET issue-34 136 36 риска риска NOUN issue-34 136 37 краткосрочные краткосрочные PROPN issue-34 136 38 денежные денежные NOUN issue-34 136 39 средства средства VERB issue-34 136 40 , , PUNCT issue-34 136 41 с с PROPN issue-34 136 42 другой другой PROPN issue-34 136 43 , , PUNCT issue-34 136 44 потенциальный потенциальный ADJ issue-34 136 45 заемщик заемщик NOUN issue-34 136 46 этих этих NOUN issue-34 136 47 кредитов кредитов NOUN issue-34 136 48 , , PUNCT issue-34 136 49 к к ADP issue-34 136 50 сожалению сожалению PROPN issue-34 136 51 , , PUNCT issue-34 136 52 не не PROPN issue-34 136 53 является является NOUN issue-34 136 54 кредитоспособным кредитоспособным PROPN issue-34 136 55 . . PUNCT issue-34 137 1 однако однако ADJ issue-34 137 2 , , PUNCT issue-34 137 3 несмотря несмотря PROPN issue-34 137 4 на на PROPN issue-34 137 5 риски риски PROPN issue-34 137 6 , , PUNCT issue-34 137 7 этот этот VERB issue-34 137 8 банковский банковский NUM issue-34 137 9 продукт продукт NOUN issue-34 137 10 является является NOUN issue-34 137 11 весомым весомым VERB issue-34 137 12 фактором фактором VERB issue-34 137 13 перераспределения перераспределения PROPN issue-34 137 14 и и PROPN issue-34 137 15 аккумулирования аккумулирования NOUN issue-34 137 16 денежных денежных NOUN issue-34 137 17 средств средств VERB issue-34 137 18 , , PUNCT issue-34 137 19 превращение превращение ADJ issue-34 137 20 частных частных NOUN issue-34 137 21 сбережений сбережений NOUN issue-34 137 22 в в PROPN issue-34 137 23 инвестиционные инвестиционные NOUN issue-34 137 24 ресурсы ресурсы NOUN issue-34 137 25 , , PUNCT issue-34 137 26 решение решение PROPN issue-34 137 27 проблемы проблемы NOUN issue-34 137 28 обеспечения обеспечения VERB issue-34 137 29 населения населения PROPN issue-34 137 30 жильем жильем PROPN issue-34 137 31 , , PUNCT issue-34 137 32 а а PROPN issue-34 137 33 также также PROPN issue-34 137 34 способствует способствует NOUN issue-34 137 35 стабилизации стабилизации NOUN issue-34 137 36 экономики экономики NOUN issue-34 137 37 в в PROPN issue-34 137 38 стране стране PROPN issue-34 137 39 в в PROPN issue-34 137 40 целом целом PROPN issue-34 137 41 . . PUNCT issue-34 138 1 функционирование функционирование PROPN issue-34 138 2 и и PROPN issue-34 138 3 распределение распределение PROPN issue-34 138 4 ипотечного ипотечного VERB issue-34 138 5 капитала капитала VERB issue-34 138 6 , , PUNCT issue-34 138 7 возможных возможных ADJ issue-34 138 8 финансовых финансовых NOUN issue-34 138 9 рисков рисков NOUN issue-34 138 10 , , PUNCT issue-34 138 11 взаимодействия взаимодействия NOUN issue-34 138 12 ипотечного ипотечного VERB issue-34 138 13 рынка рынка PROPN issue-34 138 14 по по PROPN issue-34 138 15 финансовым финансовым NOUN issue-34 138 16 , , PUNCT issue-34 138 17 инвестиционным инвестиционным AUX issue-34 138 18 и и PROPN issue-34 138 19 валютным валютным PROPN issue-34 138 20 вопросам вопросам NOUN issue-34 138 21 , , PUNCT issue-34 138 22 обусловливает обусловливает PROPN issue-34 138 23 определенную определенную PROPN issue-34 138 24 сложность сложность PROPN issue-34 138 25 механизма механизма NOUN issue-34 138 26 функционирования функционирования NOUN issue-34 138 27 ипотечного ипотечного VERB issue-34 138 28 рынка рынка PROPN issue-34 138 29 украины украины PROPN issue-34 138 30 в в PROPN issue-34 138 31 целом целом PROPN issue-34 138 32 . . PUNCT issue-34 139 1 актуальность актуальность PROPN issue-34 139 2 данной данной PROPN issue-34 139 3 темы темы PROPN issue-34 139 4 не не PROPN issue-34 139 5 только только PROPN issue-34 139 6 в в PROPN issue-34 139 7 развитии развитии ADJ issue-34 139 8 жилищного жилищного PROPN issue-34 139 9 рынка рынка PROPN issue-34 139 10 , , PUNCT issue-34 139 11 но но ADP issue-34 139 12 и и PROPN issue-34 139 13 в в PROPN issue-34 139 14 целесообразности целесообразности PROPN issue-34 139 15 проведения проведения PROPN issue-34 139 16 исследований исследований PROPN issue-34 139 17 для для PROPN issue-34 139 18 развития развития PROPN issue-34 139 19 этого этого PROPN issue-34 139 20 вопроса вопроса PROPN issue-34 139 21 . . PUNCT issue-34 140 1 мы мы PROPN issue-34 140 2 представляем представляем PROPN issue-34 140 3 анализ анализ PROPN issue-34 140 4 институциональной институциональной PROPN issue-34 140 5 среды среды PROPN issue-34 140 6 ипотечного ипотечного VERB issue-34 140 7 кредитования кредитования PROPN issue-34 140 8 жилой жилой PROPN issue-34 140 9 недвижимости недвижимости PROPN issue-34 140 10 , , PUNCT issue-34 140 11 которая которая NOUN issue-34 140 12 дала дала VERB issue-34 140 13 возможность возможность VERB issue-34 140 14 выявить выявить NOUN issue-34 140 15 и и PROPN issue-34 140 16 определить определить NOUN issue-34 140 17 среду среду NOUN issue-34 140 18 современного современного PROPN issue-34 140 19 рынка рынка PROPN issue-34 140 20 жилой жилой PROPN issue-34 140 21 недвижимости недвижимости PROPN issue-34 140 22 , , PUNCT issue-34 140 23 его его PROPN issue-34 140 24 baltic baltic PROPN issue-34 140 25 journal journal PROPN issue-34 140 26 of of ADP issue-34 140 27 economic economic ADJ issue-34 140 28 studies study NOUN issue-34 140 29 39 39 NUM issue-34 140 30 vol vol NOUN issue-34 140 31 . . PROPN issue-34 141 1 1 1 NUM issue-34 141 2 , , PUNCT issue-34 141 3 no no INTJ issue-34 141 4 . . NOUN issue-34 141 5 2 2 NUM issue-34 141 6 , , PUNCT issue-34 141 7 2015 2015 NUM issue-34 141 8 взаимосвязь взаимосвязь NOUN issue-34 142 1 с с PROPN issue-34 142 2 другими другими NOUN issue-34 142 3 рынками рынками PROPN issue-34 142 4 . . PUNCT issue-34 143 1 методология методология NOUN issue-34 143 2 . . PUNCT issue-34 144 1 в в PROPN issue-34 144 2 основе основе PROPN issue-34 144 3 данного данного PROPN issue-34 144 4 исследования исследования PROPN issue-34 144 5 лежит лежит NOUN issue-34 144 6 институциональная институциональная PROPN issue-34 144 7 структура структура PROPN issue-34 144 8 рынка рынка PROPN issue-34 144 9 ипотечного ипотечного VERB issue-34 144 10 кредитования кредитования NOUN issue-34 144 11 , , PUNCT issue-34 144 12 которая которая NOUN issue-34 144 13 развивалась развивалась NOUN issue-34 144 14 независимо независимо NOUN issue-34 144 15 от от PRON issue-34 144 16 других других PROPN issue-34 144 17 структур структур PROPN issue-34 144 18 , , PUNCT issue-34 144 19 независимо независимо NOUN issue-34 144 20 внутри внутри PROPN issue-34 144 21 страны страны PROPN issue-34 144 22 под под VERB issue-34 144 23 воздействием воздействием ADJ issue-34 144 24 конкретных конкретных ADJ issue-34 144 25 социально социально PROPN issue-34 144 26 - - PUNCT issue-34 144 27 экономических экономических NOUN issue-34 144 28 условий условий PROPN issue-34 144 29 и и PROPN issue-34 144 30 экономической экономической PROPN issue-34 144 31 политики политики PROPN issue-34 144 32 . . PUNCT issue-34 145 1 результаты результаты PROPN issue-34 145 2 исследования исследования NOUN issue-34 145 3 показали показали PROPN issue-34 145 4 , , PUNCT issue-34 145 5 что что PROPN issue-34 145 6 следует следует PROPN issue-34 145 7 учитывать учитывать PROPN issue-34 145 8 как как NOUN issue-34 145 9 возможности возможности PROPN issue-34 145 10 инфраструктурных инфраструктурных PROPN issue-34 145 11 подразделений подразделений PROPN issue-34 145 12 застройщика застройщика PROPN issue-34 145 13 , , PUNCT issue-34 145 14 так так PROPN issue-34 145 15 и и PROPN issue-34 145 16 возможности возможности PROPN issue-34 145 17 покупателей покупателей PROPN issue-34 145 18 жилья жилья PROPN issue-34 145 19 . . PROPN issue-34 146 1 при при PROPN issue-34 146 2 этом этом PROPN issue-34 146 3 выделяем выделяем PROPN issue-34 146 4 такие такие PROPN issue-34 146 5 показатели показатели VERB issue-34 146 6 , , PUNCT issue-34 146 7 как как VERB issue-34 146 8 первоначальный первоначальный NOUN issue-34 146 9 взнос взнос VERB issue-34 146 10 , , PUNCT issue-34 146 11 срок срок NOUN issue-34 146 12 кредитования кредитования VERB issue-34 146 13 и и PROPN issue-34 146 14 процентная процентная NOUN issue-34 146 15 ставка ставка PROPN issue-34 147 1 . . PUNCT issue-34 147 2 отметим отметим NOUN issue-34 147 3 , , PUNCT issue-34 147 4 что что NOUN issue-34 147 5 первоначальный первоначальный NOUN issue-34 147 6 взнос взнос VERB issue-34 147 7 должен должен ADJ issue-34 147 8 быть быть X issue-34 147 9 экономически экономически NUM issue-34 147 10 обоснован обоснован NOUN issue-34 147 11 , , PUNCT issue-34 147 12 исходя исходя VERB issue-34 147 13 из из PROPN issue-34 147 14 затрат затрат VERB issue-34 147 15 застройщика застройщика NOUN issue-34 147 16 , , PUNCT issue-34 147 17 на на PROPN issue-34 147 18 этапе этапе PROPN issue-34 147 19 организации организации VERB issue-34 147 20 строительства строительства PROPN issue-34 147 21 и и PROPN issue-34 147 22 с с PROPN issue-34 147 23 учетом учетом NOUN issue-34 147 24 сроков сроков PROPN issue-34 147 25 строительства строительства PROPN issue-34 147 26 . . PUNCT issue-34 148 1 ипотечное ипотечное PROPN issue-34 148 2 кредитование кредитование PROPN issue-34 148 3 может может NOUN issue-34 148 4 стать стать NOUN issue-34 148 5 предоставление предоставление NOUN issue-34 148 6 заемщиком заемщиком PROPN issue-34 148 7 некоторых некоторых PROPN issue-34 148 8 бесплатных бесплатных PROPN issue-34 148 9 услуг услуг PROPN issue-34 148 10 , , PUNCT issue-34 148 11 таких таких PROPN issue-34 148 12 как как PROPN issue-34 148 13 : : PUNCT issue-34 148 14 долгосрочный долгосрочный PROPN issue-34 148 15 депозит депозит PROPN issue-34 148 16 на на PROPN issue-34 148 17 выгодных выгодных PROPN issue-34 148 18 условиях условиях PROPN issue-34 148 19 , , PUNCT issue-34 148 20 нотариальные нотариальные PRON issue-34 148 21 услуги услуги NOUN issue-34 148 22 , , PUNCT issue-34 148 23 страхование страхование NOUN issue-34 148 24 , , PUNCT issue-34 148 25 скидки скидки PROPN issue-34 148 26 на на PROPN issue-34 148 27 услуги услуги PROPN issue-34 148 28 банка банка PROPN issue-34 148 29 , , PUNCT issue-34 148 30 оказывающих оказывающих VERB issue-34 148 31 услуги услуги PROPN issue-34 148 32 банка банка PROPN issue-34 148 33 и и PROPN issue-34 148 34 застройщика застройщика NOUN issue-34 148 35 , , PUNCT issue-34 148 36 учитывая учитывая PROPN issue-34 148 37 соответствующую соответствующую CCONJ issue-34 148 38 подготовку подготовку ADJ issue-34 148 39 заемщика заемщика NOUN issue-34 148 40 и и PROPN issue-34 148 41 так так NOUN issue-34 148 42 далее далее NOUN issue-34 148 43 . . PUNCT issue-34 149 1 практическое практическое PROPN issue-34 149 2 значение значение PROPN issue-34 149 3 . . PUNCT issue-34 150 1 как как VERB issue-34 150 2 показывает показывает ADJ issue-34 150 3 практика практика NOUN issue-34 150 4 , , PUNCT issue-34 150 5 большинство большинство PROPN issue-34 150 6 ипотечных ипотечных PROPN issue-34 150 7 кредитов кредитов PROPN issue-34 150 8 берут берут PROPN issue-34 150 9 молодые молодые NOUN issue-34 150 10 и и PROPN issue-34 150 11 состоятельные состоятельные NOUN issue-34 150 12 клиенты клиенты NOUN issue-34 150 13 . . PUNCT issue-34 151 1 с с PROPN issue-34 151 2 этой этой PROPN issue-34 151 3 целью целью PROPN issue-34 151 4 необходимо необходимо PROPN issue-34 151 5 также также PROPN issue-34 151 6 диверсифицировать диверсифицировать ADJ issue-34 151 7 виды виды NOUN issue-34 151 8 кредитов кредитов NOUN issue-34 151 9 , , PUNCT issue-34 151 10 где где NOUN issue-34 151 11 молодые молодые NOUN issue-34 151 12 люди люди PROPN issue-34 151 13 без без DET issue-34 151 14 значительных значительных PROPN issue-34 151 15 доходов доходов VERB issue-34 151 16 , , PUNCT issue-34 151 17 претендующие претендующие NOUN issue-34 151 18 на на PROPN issue-34 151 19 социальное социальное NOUN issue-34 151 20 жилье жилье PROPN issue-34 151 21 , , PUNCT issue-34 151 22 а а PROPN issue-34 151 23 богатые богатые ADJ issue-34 151 24 – – PUNCT issue-34 151 25 на на PROPN issue-34 151 26 элитное элитное NOUN issue-34 151 27 жилье жилье NOUN issue-34 151 28 . . PUNCT issue-34 152 1 значение значение PROPN issue-34 152 2 / / SYM issue-34 152 3 оригинальность оригинальность PROPN issue-34 152 4 . . PUNCT issue-34 153 1 на на PROPN issue-34 153 2 основе основе PROPN issue-34 153 3 этого этого NOUN issue-34 153 4 исследования исследования PROPN issue-34 153 5 банки банки PROPN issue-34 153 6 ипотечного ипотечного VERB issue-34 153 7 кредитования кредитования PROPN issue-34 153 8 должны должны NOUN issue-34 153 9 применять применять NOUN issue-34 153 10 новые новые PROPN issue-34 153 11 формы формы PROPN issue-34 153 12 и и PROPN issue-34 153 13 методы методы X issue-34 153 14 ипотечного ипотечного ADJ issue-34 153 15 кредитования кредитования PROPN issue-34 153 16 , , PUNCT issue-34 153 17 а а PROPN issue-34 153 18 также также PROPN issue-34 153 19 внедрять внедрять AUX issue-34 153 20 новейшие новейшие PROPN issue-34 153 21 технологии технологии PROPN issue-34 153 22 в в PROPN issue-34 153 23 сфере сфере ADJ issue-34 153 24 предоставления предоставления ADJ issue-34 153 25 банковских банковских ADJ issue-34 153 26 услуг услуг PROPN issue-34 153 27 и и PROPN issue-34 153 28 кредитования кредитования PROPN issue-34 153 29 , , PUNCT issue-34 153 30 особенно особенно PROPN issue-34 153 31 ипотеки ипотеки PROPN issue-34 153 32 не не PROPN issue-34 153 33 только только PROPN issue-34 153 34 в в PROPN issue-34 153 35 украине украине PROPN issue-34 153 36 , , PUNCT issue-34 153 37 но но X issue-34 153 38 и и PROPN issue-34 153 39 в в PROPN issue-34 153 40 других других PROPN issue-34 153 41 развивающихся развивающихся PROPN issue-34 153 42 странах странах VERB issue-34 153 43 . . PUNCT