Abstract:

The article focuses on the current topic of evaluating the regional mortgage inequality. Based on an analysis of Russian and foreign resources it is clear that currently two aspects remain poorly studied in this area despite a large amount of research on the development of mortgage lending. First of all, it is about the problem of regional inequality in the mortgage lending progress, and then, the issues of measuring the capacity of mortgage markets. Thereby, the purpose of the article is to develop a comprehensive assessment of the mortgage development potential of regional systems of mortgage housing lending in the context of socio-economic inequality in the regions of the Russian Federation. To achieve this goal, the article solves four objectives. First, it is the development of a methodology for assessing the mortgage potential of the regions of the Russian Federation. Secondly, based on the formation and processing of initial data, the selection of the main factors and modeling of a complex criterion for assessing the Russian Federation regions mortgage potential. Third, the practical implementation of the proposed methodology based on a comprehensive assessment of the mortgage potential of all 85 Russian regions. Fourth, the development of management decisions to increase the mortgage potential of regions with low ratings (level C). These areas, together with the proposed approaches to their practical implementation, can serve as the basis for a model of state support for regional mortgage markets.