PROBLEMS AND PROSPECTS FOR CREDITING BY BANKS OF PHYSICAL PERSONS IN UKRAINE

Individuals' lending is one of the main activities of commercial banks that brings income to them. For people, loans are one of the possible ways to improve their living standards, for example buying real estate. Every year the demand of individuals for bank loans increases, competition in the market among credit institutions increases, which causes the necessary changes in the credit system of the entire country, which determines the relevance of this study. In the article the dynamics of volumes of issued loans, weighted average interest rates on loans to individuals, and their interconnection are considered. the main factors that have impacted the slowdown of the development of the credit system were identified. The result of the study was the conclusion that this year the credit system comes out of the crisis, the volume of loans granted to individuals is increasing.