Обоснование инструментария оценки регионального ипотечного кредитования

Abstract

In this article, for the growth of mortgage lending in Russia, a complex coefficient for the development level of mortgage lending was created — the Regional housing affordability ratio. The article considers the regulatory framework of the domestic mortgage, to identify marks-indicators of the mortgage state for targeted programs. The key indicator was identified — the housing affordability ratio used in the Mortgage Development Strategy until 2020, and the absence of a similar indicator in the new priority project Mortgage and Rental Housing was noted. The author studies the advantages and non-delivery of housing affordability factor with the account of the modern scientific base. Based on the adjusted housing affordability coefficient proposed by A. Kulikov and V. Yaninin, a regional housing affordability index was developed together with a methodology for calculating it based on the available statistical data. The possibilities of purchasing housing on credit by the population in different regions were determined, and the possibility of using the coefficient for grouping regions using cluster analysis to identify the uneven development of mortgages in Russia was presented. The proposed coefficient can be used as a mortgage status indicator in the regions, used to create differentiated econometric models of mortgage lending and the development of a mortgage policy that takes into account the peculiarities of Russian regions.