Abstract:

The article shows that the modern Russian system of mortgage housing lending is characterized by a low level of development, which is exacerbated by huge imbalances in the development of mortgage lending in the regions. Under these conditions, a massive and effective solution of the housing problem of the population is a strategic task of the state. It is necessary to develop a strategic action program aimed at solving problems in two directions. The first is related to the development of criteria for assessing the mortgage potential of the regions of the Russian Federation. The second is related to the development of a program to reduce and eliminate regional mortgage inequality. This study is devoted to the development of a differential indicator and the ranking of local mortgage markets to form an address mechanism for state support of mortgage lending in the Russian Federation. To achieve this goal, the article conducted a comprehensive statistical analysis of the main factors in the development of mortgage systems in the regions based on the methods of factor analysis.