Abstract:

The article provides the results of systematizing the issues arising from the revealing of the nature and the development of digitalization in mortgage lending. The benefits of using new technologies of both the blockchain technology and the Masterchain platform principles in operations with electronic mortgages using the principles of the blockchain and the Masterchain platform. The article presents an original approach to building a model for evaluating the effect of the electronic mortgage use that can be applied to optimize the processes of conducting mortgage transactions. It is suggested that this model is based on independent evaluation, which should occur at every stage of mortgage transaction alongside with using the methodology for transaction cost calculation. It is concluded that the launch of a decentralized depository system will reduce the costs of financial market participants by two times, to reduce risks and the time of the transaction.