Korosteleva T.S.Samara State Aerospace University named after academician S.P. Korolev (National Research University), Samara, Russian Federation korosteleva75@mail.ru
Importance Every Russian region faces the problem of development of mortgage lending to solve the housing problem of people. In all regions there are mortgage arrangements, but they differ significantly in degree of development. Therefore, the establishment of an effective and efficient system of housing mortgage lending in all constituent entities of the Russian Federation is currently extremely important. In addition, the formation of a system of housing mortgage lending is one of the priorities of the Government's housing policy. Objectives The aim of the research is to design a national system of aligning the level of development of mortgage mechanisms in Russian regions. Methods The methodological tools of the research were the methods of statistical analysis, as well as the methods of rating assessment. Results The article analyzes the level of mortgage lending in regions of the Russian Federation. It shows a significant variability of the mortgage market in Russia. The paper identifies factors determining the level of development of mortgage crediting in the regions. The number of mortgages per capita in the regions during the reporting period is recommended to consider the basic criterion that shows the level of mortgage activity in the regions of Russia. The article proposes the model of the national system of aligning the level of development in regions of the Russian Federation. Conclusions and Relevance The author's model assumes independence of regions in the development of mortgage lending and State support for entities based on a combination of grant and incentive mechanisms of alignment. The practical implementation of the proposed model not only helps to "pull up" the level of development of mortgage mechanisms in some regions of the country, but also create conditions for self-financing and sustainable development of the system of housing mortgage lending in all Russian regions.
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