Scientific Journal of KubSAU

Process of crediting has productive and consumer character, and expresses the movement of the commodity and monetary capital in his continuous circulation. The productive form of the credit is connected with features of use of the received financial resources in production for the purpose of obtaining again created consumer cost. The article describes the methods and forms of mortgage lending in the system of financial and credit relations and their impact on reproductive processes of social development. The authors have proved that realization of housing policy of the state has to combine the principles of the budgetary financing and regulation of market processes of the relations of distribution and redistribution of the loan capital. Thus, a significant place in the financial relations has been taken by a mortgage loan, which requires longterm and cheap financial resources at an acceptable cost for its development

The article has positioned conceptual approach of land - mortgage lending by the state influence on the management processes of the financial mechanism of satisfaction agricultural finance and credit services. The authors developed a model of organizational and financial mechanism state support of the landmortgage lending, contributing to increasing the availability of investment financing entities agroindustrial complex through a mortgage. It is proved that the state support has a significant impact on the efficiency of investment projects implemented by the enterprises of agroindustrial complex using funds raised under the program of land mortgage lending