LEGAL REGULATION OF MORTGAGE INSURANCE IN THE RUSSIAN FEDERATION
Abstract
The article discusses the key features of the legal regulation of mortgage insurance, as well as current issues and problems of the proper fulfillment of obligations under this type of insurance. The specifics of the mortgage insurance contract as a complex obligation is considered, the positions of researchers regarding the content of this type of insurance are shown. The court practice is analyzed when a dispute arises due to different interpretations by the parties of the wording of the terms of the contract, allowing the insurer to exclude the payment of insurance compensation. It is concluded that the existing wording of the rule of law makes it difficult to protect the interests of citizens in the event of an insured event.
Keywords
комплексное ипотечное страхование,
основания возникновения обязанности страховщика,
надлежащее исполнение обязательств по договору ипотечного страхования,
страховой случай,
основания освобождения страховщика от исполнения от страхового обязательства,
comprehensive mortgage insurance,
reasons for the insurer's obligations to arise,
proper fulfillment of obligations under the mortgage insurance contract,
insurable event,
reasons for the release of the insurer from fulfilment from the insurance liability
About the Authors
A. V. Kashin
Сибирский институт управления - филиал РАНХиГС
Russian Federation
Russian Federation
Н. Кирилова
Russian Federation
References
1. Гуляева О. С. Страхование в сфере ипо течного кредитования: теория и практика // Вестн. Твер. гос. ун-та. Серия: экономика и управление. 2014. № 1. С. 219-225
2. Джолдошева Т. Ю. Страхование рисков при ипотечном кредитовании // Экономический вестн. : ежеквартал. науч.-информац. журн. 2017. № 3. С. 59-61.
3. Мансурова А. С. О страховании ипотечных кредитов // Студен. наука и XXI век. 2015. № 12. С. 193-195.
Review
For citations:
Kashin A.V., LEGAL REGULATION OF MORTGAGE INSURANCE IN THE RUSSIAN FEDERATION. Territory Development. 2019;(4):14-16. (In Russ.)
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