?
Анализ основных тенденций развития ипотечного рынка: региональный аспект
Providing citizens with affordable housing is one of the most acute problems of modern Russia. These circumstances
led to the need to search for new schemes and ways to meet the needs of Russians in improving housing conditions
and accessibility of housing in general. As you know, the most effective mechanism in this area is mortgage lending.
Regional features of the local housing market and the banking sector, in relation to the current socio-economic and political situation form the conditions for the further development of the mortgage market. The article provides a comprehensive analysis of the development of the mortgage housing sector in the economy of the Orenburg region. Banking statistics show that the development of mortgage lending in the region is a fairly dynamic process. The current situation characterizes a two-stage change. Since October 2008, there has been a sharp decline in the indicator due to the impact of the global financial crisis. As a result, the Russian banking system has curtailed mortgage lending programs and, as a result, the volumes of loans extended have decreased. Since the first quarter of 2011, there have been trends that characterize the restoration of the mortgage credit system. Therefore, studies of the dynamics of the processes taking place in the modern mortgage lending market is an urgent task. The article proposes to use the error correction model to study the interrelations of processes in the mortgage market, which will allow to take into account both short-term and long-term trends, as well as build a forecast taking into account changes in socio-economic factors.