+7 495 989 9610, 9am6pm (GMT+3), Monday – Friday
ИД «Финансы и кредит»






Regional Economics: Theory and Practice

Abstracting and Indexing

Referativny Zhurnal VINITI RAS
LCCN Permalink
Google Scholar

Online available



Cyberleninka (24 month OA embargo)

Assessing the mortgage potential capacity of regions: A methodology and indicators

Vol. 20, Iss. 2, FEBRUARY 2020

Received: 5 September 2019

Received in revised form: 19 October 2019

Accepted: 6 December 2019

Available online: 14 February 2020

Subject Heading: LOCAL MARKETS

JEL Classification: C38, G21, R12

Pages: 381–396


Korosteleva T.S. Samara National Research University (Samara University), Samara, Russian Federation


Tselin V.E. Samara National Research University (Samara University), Samara, Russian Federation


Subject This article examines the inequality of regions and the heterogeneity of local mortgage markets.
Objectives The article aims to choose and justify a methodology for assessing the mortgage potential capacity of the region, as well as a composition of the benchmarks of comprehensive criterion being developed.
Methods For the study, we used the methods of systems, comparative, and multivariate statistical factor analyses.
Results The article proposes a basic composition of benchmarks, which, in our opinion, provides a reliable and comprehensive assessment of the mortgage potential capacity of the regions. The article also notes the advisability of the use of multivariate methods of factor analysis, including the principal components method, to address the problem of classification of Russian regions.
Conclusions The development of a comprehensive criterion for assessing the mortgage potential capacity of the regions of the Russian Federation on the basis of the proposed methodology and taking into account the formed composition of the benchmarks should be a follow-up of this study.

Keywords: mortgage market, regional inequality, mortgage potential, indicator


  1. Korosteleva T.S. [On the impact of debt repayment on the availability of a mortgage loan]. Finansovaya analitika: problemy i resheniya = Financial Analytics: Science and Experience, 2014, vol. 7, iss. 6, pp. 17–27. URL: Link (In Russ.)
  2. Cheymetova V.A., Nazmutdinova E.V. Socio-Economic Potential of the Region and Its Evaluation. Asian Social Science, 2015, vol. 11, no. 7, pp. 74–81. URL: Link
  3. Slepneva L.R., Tsyrenov D.D., Kokorina A.A. et al. Socio-Economic Development of Regions of Russia: Assessment of the State and Directions of Improvement. International Journal of Economics and Financial Issues, 2016, vol. 6, sp. iss. 2S, pp. 179–187. URL: Link
  4. Vertakova Yu.V. [Composite index of the state of the region's economy in the system of indicators of sustainable development]. Ekonomika i upravlenie = Economics and Management, 2011, no. 11, pp. 72–77. (In Russ.)
  5. Girina A.N. [Assessment methodology for socio-economic development of the region]. Vestnik Orenburgskogo gosudarstvennogo universiteta = Vestnik of Orenburg State University, 2013, no. 8, pp. 82–87. URL: Link (In Russ.)
  6. Skotarenko O.V. [New methods for assessing the level of socio-economic development of Russia's regions]. Vestnik Murmanskogo gosudarstvennogo tekhnicheskogo universiteta = Vestnik of Murmansk State Technical University, 2012, vol. 15, no. 1, pp. 220–229. URL: Link (In Russ.)
  7. Skotarenko O.V. [The Russian practice in assessing the level of socio-economic development of the region]. Fundamental'nye issledovaniya = Fundamental Research, 2013, no. 1, part 3, pp. 823–829. URL: Link (In Russ.)
  8. Shabunova A.A., Gruzdeva M.A. [Development of the regions of the Russian Federation: Integral technique as an evaluation tool]. Regional'naya ekonomika: teoriya i praktika = Regional Economics: Theory and Practice, 2016, vol. 14, iss. 1, pp. 100–112. URL: Link (In Russ.)
  9. Nizhegorodtsev R.M., Piskun E.I., Kudrevich V.V. [The forecasting of regional social and economic development]. Ekonomika regiona = Economy of Region, 2017, vol. 13, iss. 1, pp. 38–48. URL: Link
  10. Latysheva M.A. [Statistical research of Russian regions differentiation on the level of social and economic development]. Vestnik Volgogradskogo gosudarstvennogo universiteta. Seriya 3. Ekonomika. Ekologiya = Science Journal of Volgograd State University. Global Economic System, 2010, no. 1, pp. 89–92. URL: Link (In Russ.)
  11. Bronisz U., Heijman W., Miszczuk A. Regional Competitiveness in Poland: Creating an Index. Jahrbuch für Regionalwissenschaft, 2008, vol. 28, iss. 2, pp. 133–143. URL: Link
  12. Žítek V., Klímová V. The Competitiveness Index of Czech Regions. Acta Universitatis Agriculturae et Silviculturae. Mendelianae Brunensis, 2015, vol. 63, iss. 2, pp. 693–701. URL: Link
  13. Lavrenyuk K.I., Rakhmanova M.S., Solodukhin K.S. [VRIO-based model for assessment of a region's competitive potential: A case study of Kamchatka region]. Sovremennye problemy nauki i obrazovaniya, 2014, no. 6. (In Russ.) URL: Link
  14. Skupskyi R., Zubkov R., Shapovalova I. Evaluation of Investment Attractiveness of a Region as a Guarantee for Leadership in the Territorial Socio-Economic Development. In: Advances in Social Science, Education and Humanities Research. Proceedings of the 2nd International Conference on Social, Economic and Academic Leadership (ICSEAL 2018), 2018, vol. 217, pp. 305–313. URL: Link
  15. Mustafakulov Sh. Investment Attractiveness of Regions: Methodic Aspects of the Definition and Classification of Impacting Factors. European Scientific Journal, 2017, vol. 13, no. 10, pp. 433–449. URL: Link
  16. Razuvaev V.V. [The estimation method of investment attraction of the Russian Federation regions]. Vestnik Permskogo universiteta. Seriya: Ekonomika = Perm University Herald. Economy, 2011, no. 3, pp. 45–53. URL: Link (In Russ.)
  17. Broekel T., Rogge N., Brenner Th. The Innovation Efficiency of German Regions: A Shared-Input DEA Approach. Review of Regional Research, 2018, vol. 38, iss. 1, pp. 77–109. URL: Link
  18. Tsapenko M.V. [System estimation of innovative activity of regional economy]. Vestnik Samarskogo gosudarstvennogo tekhnicheskogo universiteta. Seriya: Tekhnicheskie nauki = Vestnik of Samara State Technical University. Technical Sciences Series, 2016, no. 1, pp. 48–55. URL: Link (In Russ.)
  19. Sazonova A.S., Filippova L.B., Filippov R.A. [Assessment of innovative potential of the region]. Vestnik Voronezhskogo gosudarstvennogo universiteta inzhenernykh tekhnologii = Proceedings of Voronezh State University of Engineering Technologies, 2017, vol. 79, iss. 2, pp. 273–279. (In Russ.) URL: Link
  20. Govorukha V., Kuchkova O. An Estimation of the Logistics Potential of Enterprises in the Region's Management. Montenegrin Journal of Economics, 2018, vol. 14, no. 2, pp. 79–89. URL: Link
  21. Rakhmangulov A.N., Kopylova O.A. [Assessment of socio-economic potential of regions for placement of the logistic infrastructure objects]. Ekonomika regiona = Economy of Region, 2014, no. 2, pp. 254–263. (In Russ.) URL: Link
  22. Kirillov A.V., Tselin V.E. [Model for building a distribution network based on the multivariate analysis of the industrial and logistical potential of regions]. Ekonomika regiona = Economy of Region, 2015, no. 4, pp. 336–345. URL: Link (In Russ.)
  23. Miroshnikova T., Taskaeva N. Model for Assessing the Financial Potential of the Region. MATEC Web of Conferences, 2018, vol. 170. URL: Link
  24. Verbinenko E.A. [Financial potential of the region: essence and estimation approaches]. Vestnik Kol'skogo nauchnogo tsentra RAN = Herald of Kola Science Centre of RAS, 2011, no. 4, pp. 64–66. URL: Link (In Russ.)
  25. Sukhodoev D.V. [Evaluation of region financial potential]. Finansy i kredit = Finance and Credit, 2013, vol. 19, iss. 4, pp. 24–28. URL: Link (In Russ.)
  26. Ferrán Aranaz M., Márquez García J.A. Identifying Regional Differences in the Spanish Mortgage Market with Sheaf Methodology. ESIC Market Economics and Business Journal, 2013, vol. 44, iss. 3, pp. 159–177. URL: Link
  27. Ozdemir N., Altinoz С. The Role of Regional Factors in Determining Mortgage Interest Rates in the US. Research in Business and Economics Journal, 2013, vol. 8, 13 p. URL: Link
  28. Hurst E., Keys B.J., Seru A., Vavra J. Regional Redistribution Through the U.S. Mortgage Market. Kreisman Working Papers Series in Housing Law and Policy, 2015, no. 25. URL: Link
  29. Gritsenko T.S., Peredera Zh.S., Teryaeva A.S. [Identification of mortgage lending development level in regions through cluster analysis and integrated assessment]. Internet-zhurnal Naukovedenie, 2017, vol. 9, no. 3. (In Russ.) URL: Link
  30. Ivashkov A. [The potential of Russian regions in mortgage lending]. Rossiiskoe predprinimatel'stvo = Russian Journal of Entrepreneurship, 2011, vol. 12, iss. 8, pp. 98–103. URL: Link (In Russ.)
  31. Grezina M.A. [Economic-mathematical methods of acceptance of administrative decisions in mortgage lending sphere]. Izvestiya Yuzhnogo federal'nogo universiteta. Tekhnicheskie nauki = Izvestiya SFedU. Engineering Sciences, 2011, no. 11, pp. 51–60. URL: Link (In Russ.)
  32. Savrukov A.N. [A technique of estimation of potential of mortgage housing crediting in the region]. Regional'naya ekonomika: teoriya i praktika = Regional Economics: Theory and Practice, 2012, vol. 10, iss. 8, pp. 33–43. URL: Link (In Russ.)

View all articles of issue


ISSN 2311-8733 (Online)
ISSN 2073-1477 (Print)

Journal current issue

Vol. 18, Iss. 9
September 2020