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Regional Economics: Theory and Practice
 

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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

https://doi.org/10.24891/re.18.2.381

Korosteleva T.S. Samara National Research University (Samara University), Samara, Russian Federation
korosteleva75@mail.ru

https://orcid.org/0000-0002-8519-5956

Tselin V.E. Samara National Research University (Samara University), Samara, Russian Federation
vtzelin@mail.ru

https://orcid.org/0000-0001-8657-9903

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

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