In recent years, it was the mortgage that has become one of the most popular loan products. To regulate this segment of the services of financial organizations, in 1998, the "Law on Mortgage" 102-ФЗ was adopted. Over the course of 20 years, a lot of amendments have been made to the federal mortgage law in the Russian Federation and a lot of regulatory acts have been introduced to issue mortgages, the safety of both the borrower and the banking structure. The review of regulations shows important nuances that clarified the legislation on mortgage lending.

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