Abstract:

Russian mortgage market has grown fast for the last few years. Despite good tendency in the mortgage lending sphere there still are some questions to analyze.  It is necessary to make some suggestions for bank adjustment to fast changing external economic conditions. That is why the goal of this research is to get information on how external and internal factors influence the credit value and number of loans and to prepare statistics to make a regression model. To do the research we took  the continuous sampling from the beginning of January till the end of May, 2016. Frequency response analysis showed us high dependence of conversion level on loan application acquisition channel. There was a correlation matrix built. We got statistics on its basis on how external factors influence the mortgage market. The analysis of these results showed that they can be used on a practical level. Usage of the Irvin’s method allowed us to do the sampling for building multiple regression models  based on the results of this research