Social and economic effects of the development of the mortgage lending market under the conditions of the legal regime of martial law

The article reveals the peculiarities of the development of the mortgage lending market in Ukraine and its impact on the socio-economic development of society. Housing mortgage lending allows the optimal combination of the interests of various parties as one of the most reliable ways of attracting private investment through the capitalization of residential real estate, – construction companies, financial and credit institutions, citizens, and the state. The mortgage lending system changes the needs of different social strata of the population, affecting the behavior strategy and adaptation to market conditions. Providing good living conditions contributes to improving the nation’s health, increasing life expectancy, and increasing the working capacity of the population, which are essential components of the country’s social capital. An assessment of the possibilities of stimulating this influence in the conditions of war and post-war recovery was carried out, and the necessary tools for strengthening the social orientation of mortgages were determined. The processes of implementing the state program «eOselia» as a vital tool for restoring mortgage lending to provide affordable housing for the population have been analyzed. The conclusions regarding the possibilities of developing mortgage lending in modern challenges and the need to implement strategic measures to stabilize and expand the housing market in Ukraine are substantiated. The development of the real estate market and mortgage lending is quite tricky due to the instability of the economic situation in the country, the war, and the population’s growing demand for the improvement of housing conditions. Therefore, the proper development of the mortgage lending market will contribute not only to the economy but also to the social development of the state. Thanks to reforms, state support programs, and technological innovations, Ukraine can create a more accessible and stable mortgage market, which will contribute to the improvement of the living conditions of citizens and general economic development. Keywords: mortgage, mortgage lending, mortgage lending market, state lending program.