ASSESSMENT OF REGIONAL MORTGAGE INEQUALITY: COMPARATIVE ANALYSIS OF METHODS AND RESULTS

Abstract

The article focuses on the study of the problems of assessing regional mortgage inequality in the Russian Federation. Based on an analysis of the experience of Russian and foreign economists and regionalists in the field of spatial inequality, possible approaches to assessing the disproportions in the regional mortgage market development are investigated. Calculations were carried out using the differentiation coefficient for extreme values of regions, fund coefficient for extreme groups of regions, log-normal distribution according to the 90/10 method, variation coefficient, Lorentz concentration coefficient and Gini index, Theil coefficient, as well as a differential indicator (author's development) of the development level of the housing mortgage lending system (HML) in the region and some other indicators. An economic interpretation of the calculation results is given. The significant variability of the various methods of estimation results is shown. On the basis of a comparative analysis of the approaches and their results, a substantiated method for assessing regional mortgage inequality was carried out. Statistical methods, including multivariate analysis, as well as expert assessment, were used as the methodological base of scientific research. The theoretical and practical significance of the study lies in substantiating the expediency of using the differential indicator proposed by the authors, characterizing the development level of the HML system in specific regions, to solve the problems of assessing the mortgage inequality of Russian subjects.