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Анализ новых подходов Верховного Суда Украины по применению норм законодательства о финансовых услугах (2010-2012 гг.)
С. 188-226.
We consider a new jurisprudence of the Supreme Court of Ukraine on the following issues:
- distinction of financial and non-financial services
- A unilateral change of the credit contract by the credit institution
- the jurisdiction of the courts of arbitration
-dispute about the fact of conclusion of the deposit agreement
-common-law marriage impact for a mortgage
-competition of claims in case improper disposal of collateral
- a right of minors for housing
- deposit secured loans
- a double civil liability for one violation of the credit agreement
Keywords: ипотекаbank depositsmortgageбанковский депозитarbitration sphereгражданско-правовая ответственностьобеспечение кредитаcivil liabilityтретейские судыunilateral change of a contractcommon-law marriagecompetition of claimssecuritisation of creditодностороннее изменение договорафактический бракконкуренция исков
Molodyko K., Russian Law Journal 2018 Vol. 6 No. 4 P. 100-125
Russia and Ukraine have recently adopted complex statutes on consumer credit. Ukraine, unlike Russia, declared the aim of the new act, inter alia, harmonization of the legislation with international and EU standards. Prior to enactment, both countries had a fragmentary regulation of few aspects of consumer credit in general consumer protection laws. I consider peculiarities ...
Added: October 28, 2018
Smirnova E., Финансы и бизнес 2023 Т. 19 № 2 С. 74-84
The article considers the basic criteria for measuring housing affordability: the term of accumulation, the ratio of income to payment, as well as the share of the population to which mortgages are available in the primary market. An analysis of the dynamics of financial parameters of housing affordability in the region in 2019-2022 is being ...
Added: April 11, 2023
Ozhegov E. M., Прикладная эконометрика 2017 Т. 45 № 1 С. 93-115
This paper analyzes the mortgage borrowing process from a Russian state-owned supplier of residential housing mortgages concentrating on the estimation of demand function with heterogeneous borrowers’ preferences. Analysis takes into account the underwriting process and the choice of contract terms of all loans originated from 2008 to 2012. Our dataset contains demographic and financial characteristics ...
Added: December 23, 2016
Kosov M., Рогова Т. М., Вестник Московского университета МВД России 2021 № 1 С. 296-305
Over the past few years, there has been a significant increase in consumer lending. As you know, at the moment all countries of the world are faced with a pandemic of COVID-19 coronavirus infection, the high contagion and speed of its spread have caused the need to introduce quarantine and self-isolation on the territory of ...
Added: September 2, 2021
Krupenin R., Вестник экономического правосудия Российской Федерации 2018 № 10 С. 132-144
This article considers legal regulation of the search engine operators under Russian law. The author analyses the normative definition of the search engine operator provided by legislation on information and compares it to rules on information intermediary liability under civil legislation. A significant factor affecting the legal status of search engine operators is the distinction ...
Added: November 20, 2019
Lugovskoy S., Kant 2021 № 4(41) С. 67-72
В статье анализируются факторы жилищного строительства, оказывающие влияние на развитие сельских территорий и проживающее на них население. Отдельно рассмотрено влияние льготной сельской ипотеки на движение сельского населения. Определены проблемы реализации программы льготной сельской ипотеки и ее влияние на развития сельских территорий в субъектах Российской Федерации ...
Added: November 16, 2021
Рябов К.И., В кн. : Экономические правонарушения: проблемы правоприменения и правосудия (судопроизводства): сборник научных статей по итогам цикла семинаров. : СПб. : Издательство Политехнического университета, 2017. С. 120-126.
In the essay, provisions of the articles 53.1 and 1253.1 of the Civil Code of the Russian Federation regarding the basis for the civil liability are analyzed. By comparing them with norms of the General Part of the Civil Law and with doctrinal views, it is found out in which direction the national legislation in the realm ...
Added: May 11, 2017
Malbin D., Журнал российского права 2023 Т. 27 № 1 С. 78-92
Modern civil science bypasses the study of the issue of fictitious possession of a thing and the responsibility of a person who introduced himself as the owner in a dispute over a vindication claim. The figure of the fictitious owner was known to Roman law, which was responsible for the claim for the recovery in ...
Added: March 29, 2023
Kondrateva K., Никитин Т. Ф., Russian Law Journal 2021 Vol. 9 No. 3 P. 60-82
n this article authors discuss existing ideas about liability of artificial intelligence based on guilty and strict approaches to defining the elements of civil liability in the Russian Federation and European Union. These approaches have drawbacks, which are, first of all, in the excessive limitation of the development of innovations, and with low efficiency in ...
Added: September 30, 2021
Молодико К.Ю., , in : Приватне право і підприємництво. Issue 11.: Kiev : [б.и.], 2012. P. 55-62.
Рассматриваются современные подходы к потребительскому кредитованию, определяется объем потребительских правоотношений, анализируется возможность распространения особенного режима защиты прав потребителей на юридических лиц, обосновывается целесообразность максимальной унификации законодательства по кругу лиц. ...
Added: April 6, 2019
Klimov I. A., Социологический журнал 2009 № 4 С. 104-136
The article has been examining the ways of transformation of mortgage borrowers' everyday life as well as peculiarities of decision making under uncertainty and high risks closely related to house building and purchase dwelling. Our research is carrying out in Irkutsk since 2007. It shows that mortgage is not only "a school of financial competence". ...
Added: April 7, 2013
Molodyko K., Банковское право 2017 № 2 С. 67-73
In this article, I research chargeback as a concept of mandatory civil liability of banks and other financial institutions for delivery supplied by their clients. In particular, in case the purchase of goods or services with the use of services of financial organisations, the latter are responsible for delivery of booked goods or services, their ...
Added: March 19, 2017
Molodyko K., Law of Ukraine 2012 No. 3-4 P. 273-282
In the article the current regulation of banking activity in Ukraine is analyzed, proposed conceptual suggestions related realization of public justice principles in banking reform in particular in the spheres of banking guarantee schemes, banking insolvency, credits, mortgage regulation, banking accounts and fees ...
Added: October 22, 2014
Abramyan T., Юрист 2017 № 15 С. 11-13
The article considers the cases of imposing the duty for compensation for harm on a person who is not the causer of it, for example civil liability of legal persons for harm caused by its employee. The author provides comparative legal research liability of a legal entity, and presents the current judicial practice reflecting the ...
Added: August 18, 2017
Терещенко Д. С., Финансы и бизнес 2019 Т. 15 № 4 С. 23-39
The article presents a model of behavior of consumer, choosing between two alternative ways of financing the purchase of housing: a traditional mortgage loan and a building savings cooperative. The factors that shape consumer preferences and affect its budget constraint are analyzed. The conditions under which a rational consumer will choose to join a savings ...
Added: October 23, 2019
Malbin D., Гражданское право 2021 № 1 С. 18-21
The article deals with an issue of reduction of liability in the civil law. The Civil Code of Russian Federation includes handful rules, which allow the court to reduce liability of a debtor. However, such rules are applicable to different events and there are no universal rules applied to all events of property (economical) liability. ...
Added: June 4, 2021
Ozhegov E. M., / Высшая школа экономики. Series FE "Financial Economics". 2014. No. WP BRP 31/FE/2014.
This paper analyzes the mortgage borrowing process from a Russian state-owned provider of residential housing mortgages concentrating on the choice of having government insurance. This analysis takes into account the underwriting process and the choice of loan limit by the bank, the choice of contract terms and the performance of all loans issued from 2008 ...
Added: June 17, 2014
Andrievskaya I. K., Lvov N. P., Malkov E. S. et al., Банковское дело 2012 № 3 С. 30-33
Board published consultation document 26.10.2011, which regulates a number of principles for mortgage lending. This article provides an overview of the principles and analysis of their characteristics. This article continues the series that review the proposed regulatory measures for the banking system at the international and country levels worked out by the Basel Committee on ...
Added: September 1, 2012
Molodyko K., Вестник Санкт-Петербургского университета. Серия 14. Право 2014 № 4 С. 72-116
Th e author criticizes a widespread doctrinal position that money on current accounts are not the
clients’ property and could not be the object of vindication from the bank or from the third parties illegally
holding this money.
Modern meaning of the term “irregular custody” (depositum irregulare) is diff erent as compared
with that in Roman law because in ...
Added: October 22, 2014
Ozhegov E. M., Journal of European Real Estate Research 2017 Vol. 10 No. 1 P. 35-56
Purpose: This paper examines heterogeneity of preferences of mortgage borrowers of Russian state-owned supplier of residential housing mortgages.
Methodology: Analysis takes into account the underwriting process and the choice of contract terms of all loans originated from 2008 to 2012. Our dataset contains demographic and financial characteristics for all applications, loan terms and the performance information ...
Added: December 23, 2016
Прокудина Е. Б., Банковские услуги 2010 № 10 С. 13-20
Argentina, the second largest country in Latin America, hardly recovered form the recession of the year 2001, faces the crisis again in 2008. First of all, the crisis affected the credit and banking sphere of the country, reducing the volumes of credit and deposit. But during the crisis, Argentina managed to carry out the restructuring ...
Added: October 4, 2012
Molodyko K., Закон 2017 № 4 С. 43-58
The author researches the European legal concept of linked credit agreements, which provides an imperative civil liability of the banks and other financial institutions for the delivery and quality of goods and services supplied by their clients. The concept is aimed at reducing such asymmetries as a lack of knowledge of the consumer about the ...
Added: May 3, 2017
Lozinskaia A. M., Управление финансовыми рисками 2014 Т. 4 № 40 С. 276-284
This paper presents approaches that are used to explain mortgage defaults as a key risk management task of credit organization. In addition, advantages and disadvantages of econometric models for probability of default in the residential mortgage lending are discussed. We have shown that the probability of mortgage default modeling is connected with forecasting of borrower’s ...
Added: December 8, 2014
Erahtina O. S., Kondrateva K., Никитин Т. Ф., Информационное общество 2020 № 6 С. 47-57
In the article, based on the classification of artificial intelligence technologies, the authors propose approaches to the civil liability of the developer. The authors proposed the use of three basic approaches, namely, guilty responsibility, responsibility regardless of guilt and responsibility, based on a risk-oriented approach. When determining the type of responsibility for the actions of ...
Added: January 28, 2021