{"id":61136,"date":"2025-09-30T03:05:27","date_gmt":"2025-09-30T01:05:27","guid":{"rendered":"https:\/\/housesmarketplace.com\/who-keeps-the-borrower-a-deep-dive-into-servicer-retention\/"},"modified":"2025-09-30T03:05:27","modified_gmt":"2025-09-30T01:05:27","slug":"who-keeps-the-borrower-a-deep-dive-into-servicer-retention","status":"publish","type":"post","link":"https:\/\/housesmarketplace.trio-tv.com\/ru\/who-keeps-the-borrower-a-deep-dive-into-servicer-retention\/","title":{"rendered":"\u041a\u0442\u043e \u0443\u0434\u0435\u0440\u0436\u0438\u0432\u0430\u0435\u0442 \u0437\u0430\u0451\u043c\u0449\u0438\u043a\u0430? \u0413\u043b\u0443\u0431\u043e\u043a\u0438\u0439 \u0430\u043d\u0430\u043b\u0438\u0437 \u0443\u0434\u0435\u0440\u0436\u0430\u043d\u0438\u044f \u043e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u044e\u0449\u0435\u0433\u043e \u043f\u0435\u0440\u0441\u043e\u043d\u0430\u043b\u0430"},"content":{"rendered":"<div>\n<p>\u041d\u0435\u0434\u0430\u0432\u043d\u0438\u0435 \u0441\u043b\u0438\u044f\u043d\u0438\u044f \u0438 \u043f\u043e\u0433\u043b\u043e\u0449\u0435\u043d\u0438\u044f (<a href=\"https:\/\/www.housingwire.com\/articles\/mortgage-industry-mergers-acquisitions-2025-forecast\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u0421\u043b\u0438\u044f\u043d\u0438\u044f \u0438 \u043f\u043e\u0433\u043b\u043e\u0449\u0435\u043d\u0438\u044f<\/a>), \u0438\u0437\u043c\u0435\u043d\u0435\u043d\u0438\u044f \u0432 \u0440\u0435\u0433\u0443\u043b\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0438 \u0438 \u043c\u0435\u043d\u044f\u044e\u0449\u0438\u0435\u0441\u044f \u0440\u044b\u043d\u043e\u0447\u043d\u044b\u0435 \u0443\u0441\u043b\u043e\u0432\u0438\u044f \u0437\u0430\u0441\u0442\u0430\u0432\u043b\u044f\u044e\u0442 \u044d\u043a\u0441\u043f\u0435\u0440\u0442\u043e\u0432 \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u043e\u0439 \u043e\u0442\u0440\u0430\u0441\u043b\u0438 \u0441\u043e\u043c\u043d\u0435\u0432\u0430\u0442\u044c\u0441\u044f \u0432 \u0442\u043e\u043c, \u0447\u0442\u043e \u043e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u044e\u0449\u0438\u0435 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0438 \u0438\u043c\u0435\u044e\u0442 \u043b\u0443\u0447\u0448\u0438\u0435 \u0432\u043e\u0437\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u0438, \u0447\u0435\u043c \u0434\u0440\u0443\u0433\u0438\u0435 \u043a\u043e\u043d\u043a\u0443\u0440\u0435\u043d\u0442\u044b, \u0447\u0442\u043e\u0431\u044b \u043f\u0435\u0440\u0435\u0445\u0432\u0430\u0442\u0438\u0442\u044c \u0441\u043b\u0435\u0434\u0443\u044e\u0449\u0443\u044e \u0432\u043e\u043b\u043d\u0443 \u0440\u0435\u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f.<\/p>\n<p>\u0414\u0430\u043d\u043d\u044b\u0435 \u0438\u0437 <strong>\u0422\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u044f \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u043e\u0433\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\u0430\u043d\u0438\u044f ICE<\/strong> \u043f\u043e\u0434\u0435\u043b\u0438\u043b\u0441\u044f \u0441 <strong>\u0416\u0438\u043b\u044c\u0435\u041f\u0440\u043e\u0432\u043e\u043b\u043e\u043a\u0430<\/strong> \u041f\u0440\u0435\u0434\u043b\u0430\u0433\u0430\u0435\u0442\u0441\u044f \u043f\u043e\u0434\u0440\u043e\u0431\u043d\u044b\u0439 \u0430\u043d\u0430\u043b\u0438\u0437 \u044d\u0444\u0444\u0435\u043a\u0442\u0438\u0432\u043d\u043e\u0441\u0442\u0438 \u0440\u0430\u0431\u043e\u0442\u044b \u0441\u0435\u0440\u0432\u0438\u0441\u043d\u044b\u0445 \u0430\u0433\u0435\u043d\u0442\u0441\u0442\u0432 \u043f\u043e \u0441\u043e\u0445\u0440\u0430\u043d\u0435\u043d\u0438\u044e \u0437\u0430\u0451\u043c\u0449\u0438\u043a\u043e\u0432 \u043f\u043e\u0441\u043b\u0435 \u0440\u0435\u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f. \u0412 \u043d\u0451\u043c \u043f\u043e\u043a\u0430\u0437\u0430\u043d\u043e, \u0447\u0442\u043e \u0432 \u0441\u0440\u0435\u0434\u043d\u0435\u043c \u0441\u0435\u0440\u0432\u0438\u0441\u043d\u044b\u0435 \u0430\u0433\u0435\u043d\u0442\u0441\u0442\u0432\u0430 \u0441\u043e\u0445\u0440\u0430\u043d\u0438\u043b\u0438 \u043e\u043a\u043e\u043b\u043e 30% \u0437\u0430\u0451\u043c\u0449\u0438\u043a\u043e\u0432 \u0441\u043e \u0432\u0442\u043e\u0440\u043e\u0433\u043e \u043a\u0432\u0430\u0440\u0442\u0430\u043b\u0430 2010 \u0433\u043e\u0434\u0430.\u00a0<\/p>\n<p>\u041e\u0434\u043d\u0430\u043a\u043e \u0443\u0434\u0435\u0440\u0436\u0430\u043d\u0438\u0435 \u0441\u0435\u0440\u0432\u0438\u0441\u043d\u044b\u0445 \u0441\u043f\u0435\u0446\u0438\u0430\u043b\u0438\u0441\u0442\u043e\u0432 \u043c\u0435\u043d\u044f\u0435\u0442\u0441\u044f \u0432 \u0437\u0430\u0432\u0438\u0441\u0438\u043c\u043e\u0441\u0442\u0438 \u043e\u0442 \u0440\u044b\u043d\u043e\u0447\u043d\u044b\u0445 \u0446\u0438\u043a\u043b\u043e\u0432. \u0412 \u043d\u044b\u043d\u0435\u0448\u043d\u0438\u0445 \u0443\u0441\u043b\u043e\u0432\u0438\u044f\u0445 \u043e\u0436\u0438\u0434\u0430\u0435\u0442\u0441\u044f \u0443\u0441\u0438\u043b\u0435\u043d\u0438\u0435 \u043a\u043e\u043d\u043a\u0443\u0440\u0435\u043d\u0446\u0438\u0438 \u043f\u043e \u043c\u0435\u0440\u0435 \u0442\u043e\u0433\u043e, \u043a\u0430\u043a <strong>\u0420\u0430\u043a\u0435\u0442\u043d\u044b\u0435 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0438<\/strong> \u0441\u043e\u0433\u043b\u0430\u0441\u0438\u043b\u0441\u044f <a href=\"https:\/\/www.housingwire.com\/articles\/fhfa-clears-rockets-9-4b-acquisition-of-mr-cooper-with-safeguards\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u043f\u0440\u0438\u043e\u0431\u0440\u0435\u0442\u0430\u0442\u044c<\/a> <strong>\u041a\u0440\u0430\u0441\u043d\u043e\u043f\u0435\u0440\u044b\u0439<\/strong> \u0438 <strong>\u0413\u0440\u0443\u043f\u043f\u0430 \u0433-\u043d\u0430 \u041a\u0443\u043f\u0435\u0440\u0430<\/strong>, \u0438 <strong>Bayview Asset Management<\/strong>\u0442 \u0438\u043c\u0435\u0435\u0442 <a href=\"https:\/\/www.housingwire.com\/articles\/bayview-to-buy-guild-for-1-3b-in-cash-taking-lender-private\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u043f\u0440\u0435\u0434\u043b\u043e\u0436\u0438\u043b \u0441\u0434\u0435\u043b\u043a\u0443<\/a> \u0434\u043b\u044f <strong>\u0413\u0438\u043b\u044c\u0434\u0435\u0439\u0441\u043a\u0430\u044f \u0438\u043f\u043e\u0442\u0435\u043a\u0430<\/strong>.<\/p>\n<p>\u0412 \u0442\u043e \u0436\u0435 \u0432\u0440\u0435\u043c\u044f \u043d\u0435\u0434\u0430\u0432\u043d\u0438\u0439 \u0437\u0430\u043f\u0440\u0435\u0442 \u043d\u0430 \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u043d\u0438\u0435 \u043d\u0435\u0434\u043e\u043f\u0443\u0441\u0442\u0438\u043c\u044b\u0445 \u0442\u0440\u0438\u0433\u0433\u0435\u0440\u043e\u0432, \u043f\u043e\u0434\u043f\u0438\u0441\u0430\u043d\u043d\u044b\u0439 \u043f\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442\u043e\u043c \u0422\u0440\u0430\u043c\u043f\u043e\u043c \u0432 <a href=\"https:\/\/www.housingwire.com\/articles\/trump-signs-law-banning-trigger-leads-mortgage\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u0421\u0435\u043d\u0442\u044f\u0431\u0440\u044c<\/a> \u2014 \u043a\u0430\u043a \u043e\u0436\u0438\u0434\u0430\u0435\u0442\u0441\u044f, \u043f\u0440\u0435\u0434\u043e\u0441\u0442\u0430\u0432\u0438\u0442 \u0441\u0435\u0440\u0432\u0438\u0441\u043d\u044b\u043c \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u044f\u043c \u0438 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0440\u0430\u043c \u0434\u043e\u043f\u043e\u043b\u043d\u0438\u0442\u0435\u043b\u044c\u043d\u043e\u0435 \u043f\u0440\u0435\u0438\u043c\u0443\u0449\u0435\u0441\u0442\u0432\u043e, \u043f\u043e\u0437\u0432\u043e\u043b\u044f\u044f \u0438\u043c \u043d\u0430\u043f\u0440\u044f\u043c\u0443\u044e \u0441\u0432\u044f\u0437\u044b\u0432\u0430\u0442\u044c\u0441\u044f \u0441 \u0442\u0435\u043a\u0443\u0449\u0438\u043c\u0438 \u043a\u043b\u0438\u0435\u043d\u0442\u0430\u043c\u0438. \u042d\u0442\u043e \u043f\u0440\u0430\u0432\u0438\u043b\u043e \u0441\u043e\u0432\u043f\u0430\u0434\u0430\u0435\u0442 \u0441 <a href=\"https:\/\/www.housingwire.com\/mortgage-rates\/\">\u0441\u0442\u0430\u0432\u043a\u0438 \u043f\u043e \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u043c \u043a\u0440\u0435\u0434\u0438\u0442\u0430\u043c<\/a> \u043f\u0430\u0434\u0430\u044f \u043d\u0430 \u0438\u0445 <a href=\"https:\/\/www.housingwire.com\/articles\/shocking-jobs-report-sends-mortgage-rates-falling-to-new-yearly-lows\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u0441\u0430\u043c\u044b\u0435 \u043d\u0438\u0437\u043a\u0438\u0435 \u0443\u0440\u043e\u0432\u043d\u0438<\/a> \u043f\u043e\u0447\u0442\u0438 \u0437\u0430 \u0433\u043e\u0434, \u0447\u0442\u043e \u0441\u0442\u0438\u043c\u0443\u043b\u0438\u0440\u043e\u0432\u0430\u043b\u043e \u043d\u043e\u0432\u0443\u044e \u0430\u043a\u0442\u0438\u0432\u043d\u043e\u0441\u0442\u044c \u043f\u043e \u0440\u0435\u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044e.<\/p>\n<p>\u041f\u043e \u0434\u0430\u043d\u043d\u044b\u043c ICE, \u043f\u043e\u043c\u0438\u043c\u043e \u0440\u044b\u043d\u043e\u0447\u043d\u044b\u0445 \u0443\u0441\u043b\u043e\u0432\u0438\u0439, \u043d\u0430 \u0440\u0435\u0437\u0443\u043b\u044c\u0442\u0430\u0442\u044b \u0443\u0434\u0435\u0440\u0436\u0430\u043d\u0438\u044f \u043a\u043b\u0438\u0435\u043d\u0442\u043e\u0432 \u0442\u0430\u043a\u0436\u0435 \u0432\u043b\u0438\u044f\u044e\u0442 \u0442\u0430\u043a\u0438\u0435 \u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u043d\u044b\u0435 \u0445\u0430\u0440\u0430\u043a\u0442\u0435\u0440\u0438\u0441\u0442\u0438\u043a\u0438, \u043a\u0430\u043a \u0442\u0438\u043f \u043f\u0440\u043e\u0434\u0443\u043a\u0442\u0430, \u0434\u0430\u0442\u0430 \u0432\u044b\u0434\u0430\u0447\u0438 \u043a\u0440\u0435\u0434\u0438\u0442\u0430, \u043f\u0440\u043e\u0444\u0438\u043b\u044c \u043e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u044e\u0449\u0435\u0439 \u043e\u0440\u0433\u0430\u043d\u0438\u0437\u0430\u0446\u0438\u0438 \u0438 \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u043a\u0430 \u0438\u043d\u0432\u0435\u0441\u0442\u043e\u0440\u043e\u0432.<\/p>\n<p>\u00ab\u042d\u0442\u043e\u0442 \u043e\u0442\u0447\u0451\u0442 \u0432 \u043f\u0435\u0440\u0432\u0443\u044e \u043e\u0447\u0435\u0440\u0435\u0434\u044c \u0444\u043e\u0440\u043c\u0438\u0440\u0443\u0435\u0442\u0441\u044f \u043d\u0430\u0448\u0435\u0439 \u0441\u0438\u0441\u0442\u0435\u043c\u043e\u0439 \u043e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u043d\u0438\u044f MSP, \u043a\u043e\u0442\u043e\u0440\u0430\u044f \u043f\u0435\u0440\u0435\u0442\u0435\u043a\u0430\u0435\u0442 \u0432 \u0431\u0430\u0437\u0443 \u0434\u0430\u043d\u043d\u044b\u0445 McDash. \u0420\u0435\u0447\u044c \u0438\u0434\u0451\u0442 \u043e 35 \u043c\u0438\u043b\u043b\u0438\u043e\u043d\u0430\u0445 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\u00bb, \u2014 \u0437\u0430\u044f\u0432\u0438\u043b \u0432 \u0438\u043d\u0442\u0435\u0440\u0432\u044c\u044e \u042d\u043d\u0434\u0438 \u0423\u043e\u043b\u0434\u0435\u043d, \u0440\u0443\u043a\u043e\u0432\u043e\u0434\u0438\u0442\u0435\u043b\u044c \u043e\u0442\u0434\u0435\u043b\u0430 \u0438\u0441\u0441\u043b\u0435\u0434\u043e\u0432\u0430\u043d\u0438\u0439 \u0440\u044b\u043d\u043a\u0430 \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u043e\u0433\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\u0430\u043d\u0438\u044f \u0438 \u0436\u0438\u043b\u044c\u044f ICE. \u00ab\u041c\u044b \u0430\u043d\u043e\u043d\u0438\u043c\u043d\u043e \u0441\u043e\u043f\u043e\u0441\u0442\u0430\u0432\u043b\u044f\u0435\u043c \u044d\u0442\u0438 \u0434\u0430\u043d\u043d\u044b\u0435 \u0441 \u043e\u0431\u0449\u0435\u0434\u043e\u0441\u0442\u0443\u043f\u043d\u044b\u043c\u0438 \u0438\u0441\u0442\u043e\u0447\u043d\u0438\u043a\u0430\u043c\u0438\u00bb.<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-overall-retention-trends-nbsp\">\u041e\u0431\u0449\u0438\u0435 \u0442\u0435\u043d\u0434\u0435\u043d\u0446\u0438\u0438 \u0443\u0434\u0435\u0440\u0436\u0430\u043d\u0438\u044f\u00a0<\/h2>\n<p>\u0414\u0430\u043d\u043d\u044b\u0435 ICE \u043f\u043e\u043a\u0430\u0437\u044b\u0432\u0430\u044e\u0442, \u0447\u0442\u043e \u043f\u043e\u043a\u0430\u0437\u0430\u0442\u0435\u043b\u044c \u0443\u0434\u0435\u0440\u0436\u0430\u043d\u0438\u044f \u0441\u0435\u0440\u0432\u0438\u0441\u043d\u044b\u0445 \u0430\u0433\u0435\u043d\u0442\u043e\u0432 \u043d\u0435\u0434\u0430\u0432\u043d\u043e \u0434\u043e\u0441\u0442\u0438\u0433 \u043f\u0438\u043a\u0430 \u0432 33% \u0432 \u0447\u0435\u0442\u0432\u0435\u0440\u0442\u043e\u043c \u043a\u0432\u0430\u0440\u0442\u0430\u043b\u0435 2021 \u0433\u043e\u0434\u0430, \u0441\u043d\u0438\u0437\u0438\u043b\u0441\u044f \u0434\u043e 20% \u0432\u043e \u0432\u0442\u043e\u0440\u043e\u043c \u043a\u0432\u0430\u0440\u0442\u0430\u043b\u0435 2024 \u0433\u043e\u0434\u0430 \u0438 \u0443\u043c\u0435\u0440\u0435\u043d\u043d\u043e \u0432\u043e\u0441\u0441\u0442\u0430\u043d\u043e\u0432\u0438\u043b\u0441\u044f \u0434\u043e 24% \u0432\u043e \u0432\u0442\u043e\u0440\u043e\u043c \u043a\u0432\u0430\u0440\u0442\u0430\u043b\u0435 2025 \u0433\u043e\u0434\u0430. \u041e\u0434\u043d\u0430\u043a\u043e \u043f\u043e\u043a\u0430\u0437\u0430\u0442\u0435\u043b\u044c \u0443\u0434\u0435\u0440\u0436\u0430\u043d\u0438\u044f \u0441\u0435\u0440\u0432\u0438\u0441\u043d\u044b\u0445 \u0430\u0433\u0435\u043d\u0442\u043e\u0432 \u0440\u0430\u0437\u043b\u0438\u0447\u0430\u0435\u0442\u0441\u044f \u0432 \u0437\u0430\u0432\u0438\u0441\u0438\u043c\u043e\u0441\u0442\u0438 \u043e\u0442 \u043f\u0440\u043e\u0434\u0443\u043a\u0442\u0430 \u0440\u0435\u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f.\u00a0\u00a0<\/p>\n<p>\u00ab\u041a\u043e\u0433\u0434\u0430 \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u043d\u044b\u0435 \u0441\u0442\u0430\u0432\u043a\u0438 \u043f\u0430\u0434\u0430\u044e\u0442, \u0430 \u0440\u0435\u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435 \u043f\u0440\u043e\u0446\u0432\u0435\u0442\u0430\u0435\u0442, \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0438 \u0441\u0442\u0430\u043d\u043e\u0432\u044f\u0442\u0441\u044f \u0431\u043e\u043b\u0435\u0435 \u0442\u0440\u0430\u0434\u0438\u0446\u0438\u043e\u043d\u043d\u044b\u043c\u0438 \u0438 \u043f\u0435\u0440\u0435\u0445\u043e\u0434\u044f\u0442 \u043d\u0430 \u0440\u0435\u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435 \u0441 \u0443\u0447\u0451\u0442\u043e\u043c \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u043d\u043e\u0439 \u0441\u0442\u0430\u0432\u043a\u0438 \u0438 \u0441\u0440\u043e\u043a\u0430\u00bb, \u2014 \u0441\u043a\u0430\u0437\u0430\u043b \u0423\u043e\u043b\u0434\u0435\u043d. \u00ab\u0412 \u0442\u0430\u043a\u0438\u0445 \u0443\u0441\u043b\u043e\u0432\u0438\u044f\u0445 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0440\u044b \u0438 \u043e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u044e\u0449\u0438\u0435 \u043e\u0440\u0433\u0430\u043d\u0438\u0437\u0430\u0446\u0438\u0438, \u043a\u0430\u043a \u043f\u0440\u0430\u0432\u0438\u043b\u043e, \u043b\u0443\u0447\u0448\u0435 \u0443\u0434\u0435\u0440\u0436\u0438\u0432\u0430\u044e\u0442 \u0437\u0430\u0451\u043c\u0449\u0438\u043a\u043e\u0432\u00bb.\u00a0<\/p>\n<p><noscript><img decoding=\"async\" src=\"https:\/\/public.flourish.studio\/visualisation\/25341921\/thumbnail\" width=\"100%\" alt=\"chart visualization\"><\/noscript><\/p>\n<p>\u0412 \u043d\u0430\u0441\u0442\u043e\u044f\u0449\u0435\u0435 \u0432\u0440\u0435\u043c\u044f \u043f\u0440\u043e\u0446\u0435\u043d\u0442 \u0443\u0434\u0435\u0440\u0436\u0430\u043d\u0438\u044f \u043e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u044e\u0449\u0435\u0433\u043e \u043f\u0435\u0440\u0441\u043e\u043d\u0430\u043b\u0430 \u043f\u043e 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\u043e\u0442 \u0437\u0430\u0451\u043c\u0449\u0438\u043a\u043e\u0432, \u0441\u043e\u0433\u043b\u0430\u0441\u0438\u0432\u0448\u0438\u0445\u0441\u044f \u043d\u0430 \u0431\u043e\u043b\u0435\u0435 \u0432\u044b\u0441\u043e\u043a\u0438\u0435 \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u043d\u044b\u0435 \u0441\u0442\u0430\u0432\u043a\u0438 \u2014 \u0432 \u0441\u0440\u0435\u0434\u043d\u0435\u043c \u043d\u0430 1,5 \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u043d\u044b\u0445 \u043f\u0443\u043d\u043a\u0442\u0430 \u0438 \u0443\u0432\u0435\u043b\u0438\u0447\u0435\u043d\u0438\u0435 \u0435\u0436\u0435\u043c\u0435\u0441\u044f\u0447\u043d\u043e\u0433\u043e \u043f\u043b\u0430\u0442\u0435\u0436\u0430 \u043d\u0430 $590 \u2014 \u0432 \u043e\u0431\u043c\u0435\u043d \u043d\u0430 \u043f\u0440\u0438\u0432\u043b\u0435\u0447\u0435\u043d\u0438\u0435 \u043a\u0430\u043f\u0438\u0442\u0430\u043b\u0430 \u0432 \u0440\u0430\u0437\u043c\u0435\u0440\u0435 \u043e\u043a\u043e\u043b\u043e $94 000. <\/p>\n<p>\u00ab\u0415\u0441\u043b\u0438 \u0432\u044b \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u0443\u0435\u0442\u0435 \u0442\u0440\u0430\u0434\u0438\u0446\u0438\u043e\u043d\u043d\u0443\u044e \u0430\u043d\u0430\u043b\u0438\u0442\u0438\u043a\u0443 \u00ab\u0432 \u0434\u0435\u043d\u044c\u0433\u0430\u0445\u00bb, \u0447\u0442\u043e\u0431\u044b \u043f\u043e\u043f\u044b\u0442\u0430\u0442\u044c\u0441\u044f \u0432\u044b\u044f\u0432\u0438\u0442\u044c \u0437\u0430\u0435\u043c\u0449\u0438\u043a\u043e\u0432, \u0436\u0435\u043b\u0430\u044e\u0449\u0438\u0445 \u0440\u0435\u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u0442\u044c \u043a\u0440\u0435\u0434\u0438\u0442, \u0432\u044b \u0443\u043f\u0443\u0441\u043a\u0430\u0435\u0442\u0435 \u0438\u0437 \u0432\u0438\u0434\u0443 \u0446\u0435\u043b\u0443\u044e \u0447\u0430\u0441\u0442\u044c \u0440\u044b\u043d\u043a\u0430\u00bb, \u2014 \u0441\u043a\u0430\u0437\u0430\u043b \u0423\u043e\u043b\u0434\u0435\u043d.\u00a0<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-loan-vintage-matters\">\u0412\u043e\u043f\u0440\u043e\u0441\u044b \u0432\u043e\u0437\u0440\u0430\u0441\u0442\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u0430<\/h2>\n<p>\u041a\u0430\u043a \u0438 \u043e\u0436\u0438\u0434\u0430\u043b\u043e\u0441\u044c, \u0441\u0435\u0440\u0432\u0438\u0441\u043d\u044b\u0435 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0438 \u043d\u0430\u0438\u0431\u043e\u043b\u0435\u0435 \u044d\u0444\u0444\u0435\u043a\u0442\u0438\u0432\u043d\u043e \u0443\u0434\u0435\u0440\u0436\u0438\u0432\u0430\u044e\u0442 \u0437\u0430\u0451\u043c\u0449\u0438\u043a\u043e\u0432, \u043d\u0435\u0434\u0430\u0432\u043d\u043e \u0432\u044b\u0434\u0430\u0432\u0448\u0438\u0445 \u043a\u0440\u0435\u0434\u0438\u0442\u044b. \u041e\u0434\u043d\u0430\u043a\u043e \u0442\u0435\u043a\u0443\u0449\u0430\u044f \u0432\u043e\u043b\u043d\u0430 \u043a\u043e\u043d\u0441\u043e\u043b\u0438\u0434\u0430\u0446\u0438\u0438 \u043e\u0442\u0440\u0430\u0441\u043b\u0438, \u043a\u0430\u043a \u043e\u0436\u0438\u0434\u0430\u0435\u0442\u0441\u044f, \u0442\u0430\u043a\u0436\u0435 \u043f\u0440\u0438\u0432\u0435\u0434\u0451\u0442 \u043a \u043f\u0435\u0440\u0435\u043d\u0430\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u044e \u0431\u043e\u043b\u044c\u0448\u0435\u0433\u043e \u043a\u043e\u043b\u0438\u0447\u0435\u0441\u0442\u0432\u0430 \u043a\u043b\u0438\u0435\u043d\u0442\u043e\u0432 \u043a \u0431\u043e\u043b\u0435\u0435 \u043a\u0440\u0443\u043f\u043d\u044b\u043c \u0438\u0433\u0440\u043e\u043a\u0430\u043c, \u0447\u0442\u043e \u0443\u0441\u0438\u043b\u0438\u0442 \u044d\u0442\u0443 \u0442\u0435\u043d\u0434\u0435\u043d\u0446\u0438\u044e. \u0423\u043e\u043b\u0434\u0435\u043d \u0432\u044b\u0434\u0435\u043b\u0438\u043b \u043e\u0431\u0430 \u0444\u0430\u043a\u0442\u043e\u0440\u0430 \u043a\u0430\u043a \u043f\u0440\u0438\u0447\u0438\u043d\u044b \u0441\u0430\u043c\u044b\u0445 \u0432\u044b\u0441\u043e\u043a\u0438\u0445 \u043f\u043e\u043a\u0430\u0437\u0430\u0442\u0435\u043b\u0435\u0439 \u0443\u0434\u0435\u0440\u0436\u0430\u043d\u0438\u044f \u0441\u0440\u0435\u0434\u0438 \u0437\u0430\u0451\u043c\u0449\u0438\u043a\u043e\u0432 2024 \u0433\u043e\u0434\u0430.<\/p>\n<p>\u0423\u0434\u0435\u0440\u0436\u0430\u043d\u0438\u0435 \u043e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u044e\u0449\u0435\u0433\u043e \u043f\u0435\u0440\u0441\u043e\u043d\u0430\u043b\u0430 \u0441\u043e\u0441\u0442\u0430\u0432\u043b\u044f\u0435\u0442 45% \u0434\u043b\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432 2024 \u0433\u043e\u0434\u0430, \u0441\u043d\u0438\u0436\u0430\u044f\u0441\u044c \u0434\u043e 37% \u0434\u043b\u044f 2023 \u0433\u043e\u0434\u0430, 28% \u0434\u043b\u044f 2022 \u0433\u043e\u0434\u0430 \u0438 \u0432\u0441\u0435\u0433\u043e \u043b\u0438\u0448\u044c \u0434\u043e 17% \u0434\u043b\u044f 2021 \u0433\u043e\u0434\u0430.<\/p>\n<p>\u00ab\u041e\u0442\u0447\u0430\u0441\u0442\u0438 \u044d\u0442\u043e \u043f\u0440\u043e\u0441\u0442\u043e \u0441\u0432\u044f\u0437\u0430\u043d\u043e \u0441 \u043d\u043e\u0432\u0438\u0437\u043d\u043e\u0439 \u043e\u0442\u043d\u043e\u0448\u0435\u043d\u0438\u0439\u00bb, \u2014 \u0441\u043a\u0430\u0437\u0430\u043b \u0423\u043e\u043b\u0434\u0435\u043d. \u00ab\u0417\u0430 \u043f\u043e\u0441\u043b\u0435\u0434\u043d\u0438\u0435 \u043f\u044f\u0442\u044c-\u0441\u0435\u043c\u044c \u043b\u0435\u0442 \u043c\u044b \u043f\u043e\u0441\u0442\u043e\u044f\u043d\u043d\u043e \u043d\u0430\u0431\u043b\u044e\u0434\u0430\u0435\u043c \u044d\u0442\u0443 \u043d\u0438\u0441\u0445\u043e\u0434\u044f\u0449\u0443\u044e \u0442\u0435\u043d\u0434\u0435\u043d\u0446\u0438\u044e: \u043f\u0440\u043e\u0446\u0435\u043d\u0442 \u0443\u0434\u0435\u0440\u0436\u0430\u043d\u0438\u044f \u043f\u043e \u043d\u0435\u0434\u0430\u0432\u043d\u043e \u0432\u044b\u0434\u0430\u043d\u043d\u044b\u043c \u043a\u0440\u0435\u0434\u0438\u0442\u0430\u043c \u0432\u044b\u0448\u0435, \u0430 \u043f\u0440\u043e\u0446\u0435\u043d\u0442 \u0443\u0434\u0435\u0440\u0436\u0430\u043d\u0438\u044f \u043f\u043e \u043c\u0435\u0440\u0435 \u0443\u0434\u0430\u043b\u0435\u043d\u0438\u044f \u043e\u0442 \u043a\u0440\u0435\u0434\u0438\u0442\u0430 \u043d\u0438\u0436\u0435\u00bb.<\/p>\n<p>\u0414\u0440\u0443\u0433\u043e\u0439 \u0444\u0430\u043a\u0442\u043e\u0440 \u0437\u0430\u043a\u043b\u044e\u0447\u0430\u0435\u0442\u0441\u044f \u0432 \u0442\u043e\u043c, \u0447\u0442\u043e \u043c\u043d\u043e\u0433\u0438\u0435 \u0437\u0430\u0435\u043c\u0449\u0438\u043a\u0438 \u0431\u0440\u0430\u043b\u0438 \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u044b, \u0440\u0430\u0441\u0441\u0447\u0438\u0442\u044b\u0432\u0430\u044f \u043d\u0430 \u0440\u0435\u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435, \u043a\u0430\u043a \u0442\u043e\u043b\u044c\u043a\u043e \u0441\u0442\u0430\u0432\u043a\u0438 \u0441\u043d\u0438\u0437\u044f\u0442\u0441\u044f, \u0434\u043e\u0431\u0430\u0432\u0438\u043b \u043e\u043d.\u00a0<\/p>\n<p><noscript><img decoding=\"async\" src=\"https:\/\/public.flourish.studio\/visualisation\/25342179\/thumbnail\" width=\"100%\" alt=\"chart visualization\"><\/noscript><\/p>\n<h2 class=\"wp-block-heading\" id=\"h-the-role-of-nonbanks\">\u0420\u043e\u043b\u044c \u043d\u0435\u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u0445 \u043e\u0440\u0433\u0430\u043d\u0438\u0437\u0430\u0446\u0438\u0439 <\/h2>\n<p>\u041f\u0440\u0438 \u0441\u0440\u0430\u0432\u043d\u0435\u043d\u0438\u0438 \u0431\u0430\u043d\u043a\u043e\u0432 \u0438 \u043d\u0435\u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u0445 \u043e\u0440\u0433\u0430\u043d\u0438\u0437\u0430\u0446\u0438\u0439 \u043f\u043e\u0441\u043b\u0435\u0434\u043d\u0438\u0435 \u0433\u043e\u0440\u0430\u0437\u0434\u043e \u0430\u043a\u0442\u0438\u0432\u043d\u0435\u0435, \u0446\u0435\u043b\u0435\u043d\u0430\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u043d\u0435\u0435 \u0438 \u0443\u0441\u043f\u0435\u0448\u043d\u0435\u0435 \u0443\u0434\u0435\u0440\u0436\u0438\u0432\u0430\u044e\u0442 \u0437\u0430\u0451\u043c\u0449\u0438\u043a\u043e\u0432. \u0412\u043e \u0432\u0442\u043e\u0440\u043e\u043c \u043a\u0432\u0430\u0440\u0442\u0430\u043b\u0435 2025 \u0433\u043e\u0434\u0430 \u043d\u0435\u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u0435 \u043e\u0440\u0433\u0430\u043d\u0438\u0437\u0430\u0446\u0438\u0438 \u043f\u0440\u043e\u0434\u0435\u043c\u043e\u043d\u0441\u0442\u0440\u0438\u0440\u043e\u0432\u0430\u043b\u0438 \u043f\u043e\u043a\u0430\u0437\u0430\u0442\u0435\u043b\u044c \u0443\u0434\u0435\u0440\u0436\u0430\u043d\u0438\u044f 29%, \u0447\u0442\u043e \u0431\u043e\u043b\u0435\u0435 \u0447\u0435\u043c \u0432\u0434\u0432\u043e\u0435 \u043f\u0440\u0435\u0432\u044b\u0448\u0430\u0435\u0442 \u043f\u043e\u043a\u0430\u0437\u0430\u0442\u0435\u043b\u044c 14% \u0441\u0440\u0435\u0434\u0438 \u0434\u0435\u043f\u043e\u0437\u0438\u0442\u0430\u0440\u0438\u0435\u0432.<\/p>\n<p>\u00ab\u0412 \u0446\u0435\u043b\u043e\u043c \u043c\u044b \u0437\u043d\u0430\u0435\u043c, \u0447\u0442\u043e \u043e\u043d\u0438 \u043e\u0442\u0434\u0430\u043b\u044f\u044e\u0442\u0441\u044f \u043e\u0442 \u0441\u0444\u0435\u0440\u044b \u043e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u043d\u0438\u044f\u00bb, \u2014 \u0441\u043a\u0430\u0437\u0430\u043b \u0423\u043e\u043b\u0434\u0435\u043d.\u00a0<\/p>\n<p>\u041f\u043e \u0441\u043b\u043e\u0432\u0430\u043c \u0423\u043e\u043b\u0434\u0435\u043d\u0430, \u0431\u0430\u043d\u043a\u0438 \u0441\u0442\u0430\u043b\u043a\u0438\u0432\u0430\u044e\u0442\u0441\u044f \u0441 \u0433\u043e\u0440\u0430\u0437\u0434\u043e \u0431\u043e\u043b\u0435\u0435 \u0441\u0438\u043b\u044c\u043d\u044b\u043c \u0434\u0430\u0432\u043b\u0435\u043d\u0438\u0435\u043c \u0441\u043e \u0441\u0442\u043e\u0440\u043e\u043d\u044b \u0440\u0435\u0433\u0443\u043b\u0438\u0440\u0443\u044e\u0449\u0438\u0445 \u043e\u0440\u0433\u0430\u043d\u043e\u0432, \u043f\u043e\u044d\u0442\u043e\u043c\u0443 \u0432\u043e \u043c\u043d\u043e\u0433\u0438\u0445 \u0441\u043b\u0443\u0447\u0430\u044f\u0445, \u043e\u0441\u043e\u0431\u0435\u043d\u043d\u043e \u0432 \u0441\u0435\u0433\u043c\u0435\u043d\u0442\u0430\u0445 \u043f\u043e\u0440\u0442\u0444\u0435\u043b\u0435\u0439 \u0441 \u043d\u0438\u0437\u043a\u0438\u043c \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u043c \u0440\u0435\u0439\u0442\u0438\u043d\u0433\u043e\u043c, \u043e\u043d\u0438 \u0434\u043e\u0432\u043e\u043b\u044c\u0441\u0442\u0432\u0443\u044e\u0442\u0441\u044f \u0442\u0435\u043c, \u0447\u0442\u043e \u044d\u0442\u0438 \u043a\u0440\u0435\u0434\u0438\u0442\u044b \u043f\u0435\u0440\u0435\u0445\u043e\u0434\u044f\u0442 \u0432 \u043d\u0435\u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u0435 \u043e\u0440\u0433\u0430\u043d\u0438\u0437\u0430\u0446\u0438\u0438. \u0412\u043c\u0435\u0441\u0442\u043e \u044d\u0442\u043e\u0433\u043e \u043e\u043d\u0438 \u0441\u043e\u0441\u0440\u0435\u0434\u043e\u0442\u0430\u0447\u0438\u0432\u0430\u044e\u0442\u0441\u044f \u043d\u0430 \u0443\u0434\u0435\u0440\u0436\u0430\u043d\u0438\u0438 \u0431\u043e\u043b\u0435\u0435 \u0441\u043e\u0441\u0442\u043e\u044f\u0442\u0435\u043b\u044c\u043d\u044b\u0445 \u043a\u043b\u0438\u0435\u043d\u0442\u043e\u0432 \u0432 \u0442\u0430\u043a\u0438\u0445 \u043e\u0431\u043b\u0430\u0441\u0442\u044f\u0445, \u043a\u0430\u043a \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u0439 \u043a\u0440\u0435\u0434\u0438\u0442 \u0438\u043b\u0438 \u0443\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u0435 \u0430\u043a\u0442\u0438\u0432\u0430\u043c\u0438.<\/p>\n<p>\u041f\u043e \u0440\u0430\u0437\u043c\u0435\u0440\u0443 \u0441\u0440\u0435\u0434\u043d\u0438\u0435 \u0431\u0430\u043d\u043a\u0438 \u0441\u043e\u0445\u0440\u0430\u043d\u0438\u043b\u0438 221 \u0442.\u043f.3 \u0442. \u0437\u0430\u0451\u043c\u0449\u0438\u043a\u043e\u0432, \u0432 \u0442\u043e \u0432\u0440\u0435\u043c\u044f \u043a\u0430\u043a \u043a\u0440\u0443\u043f\u043d\u044b\u0435 \u0431\u0430\u043d\u043a\u0438 \u0441\u043e\u0445\u0440\u0430\u043d\u0438\u043b\u0438 \u0432\u0441\u0435\u0433\u043e 131 \u0442.\u043f.3 \u0442. \u0421\u0440\u0435\u0434\u0438 \u043d\u0435\u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u0445 \u043e\u0440\u0433\u0430\u043d\u0438\u0437\u0430\u0446\u0438\u0439 \u044d\u0442\u043e\u0442 \u043f\u043e\u043a\u0430\u0437\u0430\u0442\u0435\u043b\u044c \u0441\u043e\u0441\u0442\u0430\u0432\u0438\u043b 291 \u0442.\u043f.3 \u0442. \u0432 \u0446\u0435\u043b\u043e\u043c, \u043d\u0435\u0437\u0430\u0432\u0438\u0441\u0438\u043c\u043e \u043e\u0442 \u0440\u0430\u0437\u043c\u0435\u0440\u0430.<\/p>\n<p><noscript><img decoding=\"async\" src=\"https:\/\/public.flourish.studio\/visualisation\/25362671\/thumbnail\" width=\"100%\" alt=\"chart visualization\"><\/noscript><\/p>\n<h2 class=\"wp-block-heading\" id=\"h-investor-type-drives-results\">\u0422\u0438\u043f \u0438\u043d\u0432\u0435\u0441\u0442\u043e\u0440\u0430 \u043e\u043f\u0440\u0435\u0434\u0435\u043b\u044f\u0435\u0442 \u0440\u0435\u0437\u0443\u043b\u044c\u0442\u0430\u0442\u044b<\/h2>\n<p>\u041a\u043e\u044d\u0444\u0444\u0438\u0446\u0438\u0435\u043d\u0442\u044b \u0443\u0434\u0435\u0440\u0436\u0430\u043d\u0438\u044f \u043a\u043b\u0438\u0435\u043d\u0442\u043e\u0432 \u0441\u0435\u0440\u0432\u0438\u0441\u043d\u044b\u0445 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0439 \u0437\u043d\u0430\u0447\u0438\u0442\u0435\u043b\u044c\u043d\u043e \u0440\u0430\u0437\u043b\u0438\u0447\u0430\u044e\u0442\u0441\u044f \u0432 \u0437\u0430\u0432\u0438\u0441\u0438\u043c\u043e\u0441\u0442\u0438 \u043e\u0442 \u0442\u0438\u043f\u0430 \u0438\u043d\u0432\u0435\u0441\u0442\u043e\u0440\u0430. \u0412\u043e \u0432\u0442\u043e\u0440\u043e\u043c \u043a\u0432\u0430\u0440\u0442\u0430\u043b\u0435 2025 \u0433\u043e\u0434\u0430 <strong>\u0424\u0435\u0434\u0435\u0440\u0430\u043b\u044c\u043d\u043e\u0435 \u0436\u0438\u043b\u0438\u0449\u043d\u043e\u0435 \u0443\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u0435 <\/strong>(\u0424\u0413\u0410)<strong> <\/strong>\u0438 <strong>\u041c\u0438\u043d\u0438\u0441\u0442\u0435\u0440\u0441\u0442\u0432\u043e \u043f\u043e \u0434\u0435\u043b\u0430\u043c \u0432\u0435\u0442\u0435\u0440\u0430\u043d\u043e\u0432 \u0421\u0428\u0410<\/strong> (VA) \u043a\u0440\u0435\u0434\u0438\u0442\u044b \u0441 \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u043e\u043c \u0443\u0434\u0435\u0440\u0436\u0430\u043d\u0438\u044f \u043e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u044e\u0449\u0435\u0433\u043e \u043f\u0435\u0440\u0441\u043e\u043d\u0430\u043b\u0430 \u0441\u043e\u0441\u0442\u0430\u0432\u0438\u043b 30% \u043f\u043e \u0441\u0440\u0430\u0432\u043d\u0435\u043d\u0438\u044e \u0441 21% \u0434\u043b\u044f <strong>\u0424\u0430\u043d\u043d\u0438 \u041c\u044d\u0439 <\/strong>\u0438 <strong>\u0424\u0440\u0435\u0434\u0434\u0438 \u041c\u0430\u043a<\/strong> \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432, 21% \u043d\u0430 \u0440\u0435\u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435 \u043f\u043e\u0440\u0442\u0444\u0435\u043b\u044f \u0438 \u0432\u0441\u0435\u0433\u043e 6% \u043d\u0430 \u0441\u0435\u043a\u044c\u044e\u0440\u0438\u0442\u0438\u0437\u0430\u0446\u0438\u044e \u0447\u0430\u0441\u0442\u043d\u044b\u0445 \u043c\u0430\u0440\u043e\u043a.<\/p>\n<p>\u041f\u043e \u0441\u043b\u043e\u0432\u0430\u043c \u0423\u043e\u043b\u0434\u0435\u043d\u0430, \u043c\u043d\u043e\u0433\u0438\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u044b \u0441 \u043d\u0438\u0437\u043a\u0438\u043c \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u043c \u0440\u0435\u0439\u0442\u0438\u043d\u0433\u043e\u043c, \u0432\u044b\u0434\u0430\u043d\u043d\u044b\u0435 \u043f\u043e\u0434 \u0441\u043e\u0431\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u043c\u0438 \u0442\u043e\u0440\u0433\u043e\u0432\u044b\u043c\u0438 \u043c\u0430\u0440\u043a\u0430\u043c\u0438, \u0431\u044b\u043b\u0438 \u0432\u044b\u0434\u0430\u043d\u044b \u0431\u043e\u043b\u0435\u0435 \u0434\u0435\u0441\u044f\u0442\u0438 \u043b\u0435\u0442 \u043d\u0430\u0437\u0430\u0434, \u0438 \u043e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u044e\u0449\u0438\u0435 \u043e\u0440\u0433\u0430\u043d\u0438\u0437\u0430\u0446\u0438\u0438 \u0437\u0430\u0447\u0430\u0441\u0442\u0443\u044e \u043f\u0440\u0435\u0434\u043f\u043e\u0447\u0438\u0442\u0430\u044e\u0442 \u043f\u0440\u043e\u0441\u0442\u043e \u043f\u043e\u0437\u0432\u043e\u043b\u0438\u0442\u044c \u0438\u043c \u0443\u0439\u0442\u0438, \u0430 \u043d\u0435 \u0430\u043a\u0442\u0438\u0432\u043d\u043e \u0443\u0434\u0435\u0440\u0436\u0438\u0432\u0430\u0442\u044c \u0438\u0445.<\/p>\n<p>\u041d\u0430\u043f\u0440\u043e\u0442\u0438\u0432, \u0437\u0430\u0451\u043c\u0449\u0438\u043a\u0438 FHA \u0438 VA \u043d\u0430\u0431\u043b\u044e\u0434\u0430\u044e\u0442 \u0430\u043a\u0442\u0438\u0432\u043d\u044b\u0439 \u043e\u0445\u0432\u0430\u0442. \u00ab\u0421\u0435\u0439\u0447\u0430\u0441 FHA \u0438 VA \u043f\u0440\u0435\u0434\u043b\u0430\u0433\u0430\u044e\u0442 \u0431\u043e\u043b\u0435\u0435 \u043d\u0438\u0437\u043a\u0438\u0435 \u0441\u0442\u0430\u0432\u043a\u0438, \u0438 \u0443 \u043d\u0438\u0445 \u0442\u0430\u043a\u0436\u0435 \u0435\u0441\u0442\u044c \u043e\u043f\u0442\u0438\u043c\u0438\u0437\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u044b\u0435 \u043f\u0440\u043e\u0434\u0443\u043a\u0442\u044b\u00bb, \u2014 \u0441\u043a\u0430\u0437\u0430\u043b \u0423\u043e\u043b\u0434\u0435\u043d. \u00ab\u0427\u0442\u043e \u043a\u0430\u0441\u0430\u0435\u0442\u0441\u044f VA, \u0442\u043e \u0434\u043b\u044f \u0441\u043d\u0438\u0436\u0435\u043d\u0438\u044f \u0441\u0442\u0430\u0432\u043e\u043a \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u0443\u0435\u0442\u0441\u044f \u0441\u043e\u0431\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0439 \u043a\u0430\u043f\u0438\u0442\u0430\u043b\u00bb.<\/p>\n<p><noscript><img decoding=\"async\" src=\"https:\/\/public.flourish.studio\/visualisation\/25362796\/thumbnail\" 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Data from ICE Mortgage Technology shared with HousingWire offers a deep dive into servicers\u2019 performance at keeping a borrower in their books after a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-61136","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Who keeps the borrower? 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