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Финансовые параметры доступности жилья в Санкт-Петербурге
The article considers the basic criteria for measuring housing affordability: the term of accumulation, the ratio of income to payment, as well as the share of the population to which mortgages are available in the primary market. An analysis of the dynamics of financial parameters of housing affordability in the region in 2019-2022 is being carried out, accessibility indicators are calculated based on median income. An assessment of the purchasing power of a mortgage housing loan in St. Petersburg on medium-market conditions has been given: today, on the market of new buildings, you can purchase 25 square meters of housing with a loan of 5 million rubles, and three years earlier 3 million rubles were enough. The distorted price structure under the influence of mortgages from developers with low rates and its consequences for the development of the real estate market are discussed. The possibility of expanding state support for housing affordability and rental relations was noted.