Abstract
The purpose of the study is a comprehensive analysis of the factors of housing construction affecting the development of rural areas, identifying their relationships, as well as the specifics of the implementation of the program of preferential rural mortgages in the regions and the damage of its impact on the village. The scientific novelty of the work carried out consists in confirming the hypothesis of the insignificance of the impact of the preferential rural mortgage program in the improvement of housing in remote rural areas and the acceleration of the process of deurbanization. As a result, using the example of the subjects of the Russian Federation and specifically the Stavropol Territory, it is demonstrated that factors of housing construction and home improvement affect the development of only large rural settlements located near administrative centers.
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