S perekhodom rossiyskoy ekonomiki k rynochnym otnosheniyam problema obespecheniya grazhdan zhil'em osobenno obostrilas': na odnogo cheloveka, v Rossii prikhoditsya v srednem v dva-tri raza men'she zhiloy ploshchadi, chem v razvitykh stranakh. V sovremennykh usloviyakh naibolee perspektivnoy skhemoy resheniya zhilishchnoy problemy predstavlyaetsya ipotechnoe zhilishchnoe kreditovanie. Za 2008-2009 gody summa predostavlennykh ipotechnykh kreditov vozrosla bolee chem v pyat' raz. V to zhe vremya nereshennymi ostayutsya nekotorye problemy, prepyatstvuyushchie rasshireniyu rynka ipotechnogo zhilishchnogo kreditovaniya. Sredi nikh osoboe mesto zanimaet problema vzaimodeystviya bankov i zaemshchikov. Ona zaklyuchaetsya v nedostatochnoy prozrachnosti protsessa kreditovaniya i informirovannosti naseleniya, a takzhe vysokom urovne transaktsionnykh raskhodov zaemshchika po vyboru i obsluzhivaniyu kreditnykh programm. V tselyakh snizheniya urovnya raskhodov fizicheskikh lits po priobreteniyu zhil'ya posredstvom ipotechnogo kreditovaniya v rabote obosnovany puti sovershenstvovaniya vzaimodeystviya bankov i zaemshchikov.