BANK REGULATION BASED ON PERMANENT AFFORDABILITY OF PAYMENT FOR A MORTGAGE BORROWER

Mortgage lending plays a key role in providing citizens with housing. However, the processes of obtaining and servicing a mortgage loan are associated with the provision of a large number of interconnected finan-cial services, each of which requires a quality relationship with the consumer. The article proposes to discuss a number of basic indicators and approaches to increase the protection of financial services consumers in mortgage lending, as well as instruments of influence on financial organizations providing such services. In particular, it is proposed to fix the numerical value of the maximum debt burden on the borrower as an indicator of a sustainable mortgage loan, as well as factors taken into account when calculating it at any time during the life of the loan, and not only at the time of its issuance.