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Problems and prospects of housing mortgage lending system in Russia

Korosteleva T.S. PhD in Economics, Associate Professor of Department "Management", the Samara State Aerospace University named after academician S.P. Korolyov (the National Research University) ( korosteleva75@mail.ru )

Journal: Financial Analytics: Science and Experience, #11, 2013

Problems and prospects of mortgage lending system development in Russia are analyzed in the article. The statements of the Strategy for Development of Housing Mortgage Lending in the Russian Federation until 2030 and Federal Targeted Program "Housing" were defined as prospects of system development. The possibility of achieving objectives in the key indicators stated in the documents is estimated. The weaknesses and the factors that hinder the mortgage lending system development in Russia are revealed, recommendations for increasing the effectiveness of the whole system are given.


Key competence as a source of competitive advantage of machinebuilding enterprises

Korosteleva Е.М. graduate student of chair the economic information systems, Moscow state university of instrument engineering and computer sciences ( e_filonenko@rambler.ru )

Journal: Economic Analysis: Theory and Practice, #35, 2010

Globalization and technological revolutions of last decades in various spheres of action of people have considerably complicated conditions of a competition in all industries. Orientation of firm to external conditions doesn't provide the reliable base to strategic management and development of steady competitive advantages. Stabler basis are internal components: own resources and capabilities of the company. In the present work it is considered the Resource-Based Theory which is based on core competences. The urgency of use of core competences in strategic management by the machine-building enterprise is considered.


To a question of influence of a way of repayment of a debt on availability of a mortgage loan

Korosteleva T.S. PhD in Economics, Associate Professor of the Department Management, Samara State Aerospace University named after academician S.P. Korolyov (National research university) ( korosteleva75@mail.ru )

Journal: Financial Analytics: Science and Experience, #6, 2014

In article options of depreciation of the mortgage debt, offered as a part of social products of JSC AIZhK are investigated as ways of repayment of the mortgage loan, offered by the Russian banks within a commercial mortgage, and. The assessment of the analytical indicators characterizing availability of a mortgage loan depending on ways of depreciation of a debt, namely, the amount of the current payments, a total cost of the credit, and also the greatest possible size of the credit for the borrower is carried out. Parameters of the commercial mortgage product based on a way of increasing payment are developed.


Comparative analysis of systems of mortgage housing lending of Russia, Europe and USA

Korosteleva T.S. PhD in Economics, Associate Professor, Department "Management", the Samara State Aerospace University named after academician S.P. Korolyov ( korosteleva75@mail.ru )

Journal: Finance and Credit, #16, 2013

In the article comparative analysis and characteristic features of Russian, European and USA systems of mortgage lending are given. International and domestic practice of mortgage loan development is studied. The statistics of European Mortgage Federation and ANML were used as information source. The most important statistical values of mortgage markets development were chosen as comparative characteristics. The analysis of mortgage operations funding sources in Europe, Russia and USA is focused on, including estimation of share of European covered bonds and residential mortgage-backed securities in funding of developed economies' mortgage lending system.


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

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

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

Journal: Regional Economics: Theory and Practice, #2, 2019

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.


Development of the mortgage lending system as an instrument of individuals’ housing problem’s solution

KorostelevA T.S. PhD in Economics, associate professor of department «Management», Samara State Aerospace University named after academician S.P. Korolyov ( korosteleva75@mail.ru )

Kirillov A.V. PhD in Technical sciences, associate professor of department «Management», Samara State Aerospace University named after academician S.P. Korolyov ( kav@amv.ru )

Journal: Finance and Credit, #9, 2012

In the paper an expanded system of mortgage loan affordability in the system of mortgage lending of individuals is given. The dynamic of mortgage lending key indicators during 2009-2011 is examined; the house building market in post-crisis period is studied; the mortgage loan characteristics that define its affordability for individuals are estimated. The interest rate variation was selected as a factor parameter of mortgage lending affordability for individuals. The ratio «payment to income» (P/I) as a basic indicator of mortgage loan affordability in the system of mortgage lending is specified as more preferable than housing price to income ratio. The indicator analysis is examined in the interval between existing level and level of 5-6% acceptable in international practice. The growth of share of individuals able to purchase property with own or borrowed means is estimated.


Mortgage crises in modern Russia: Regional features and policies to overcome

Korosteleva T.S. Samara State Aerospace University named after Academician S.P. Korolev (National Research University), Samara, Russian Federation ( korosteleva75@mail.ru )

Journal: Regional Economics: Theory and Practice, #5, 2016

Importance The article considers the problem of formation of State-level regional mortgage policies for diverse subjects of the Russian Federation in crisis and sustainable development of economy.
Objectives The paper aims to design a State regional mortgage policy during economic crises.
Methods For the study, I used the methods of statistical analysis and classification of regions.
Results I analyzed the impact of economic crises of 2008–2009 and 2014–2015 on mortgage markets of the regions of the Russian Federation. I recommend to consider the number of mortgages issued to 1000 people in the region during the reporting period as a basic criterion for measuring the impact of financial and economic crises on the regional mortgage markets in the country. I present a grant model encouraging the mortgage alignment of the constituent entities of the Russian Federation in the context of financial and economic crises.
Relevance The practical implementation of the proposed model will deter regional mortgage markets from collapsing during harsh economic crises and create preconditions for self-financing and sustainable development of the system of housing mortgage lending in all Russian constituent entities in the post-crisis economic management.


Regional mortgage: vector of development

Korosteleva T.S. Samara State Aerospace University named after academician S.P. Korolev (National Research University), Samara, Russian Federation ( korosteleva75@mail.ru )

Journal: Regional Economics: Theory and Practice, #42, 2014

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.


Macroeconomic context of the residential mortgage lending system functioning in Russia

Korosteleva T.S. Samara State Aerospace University named after academician S.P. Korolev (National Research University), Samara, Russian Federation ( korosteleva75@mail.ru )

Journal: Finance and Credit, #4, 2015

Importance The article points out that the mortgage crisis in the United States has been recognized as one of the triggers of the global financial crisis of 2008-2009. Russia also was among the countries affected by the crisis wave. The analysis of factors provoking the crisis, and the post-crisis development of the Russian economy, convinces that in the modern conditions the residential mortgage lending (RML) system, by means of the entire set of its tools, can influence the economic system development as a whole, and in some cases even to act as the catalyst of the change of business cycles phases. That is why the development of the RML system in the context of an economic cycle is particularly relevant.
     Objectives The study aims to investigate the features of the macroeconomic dynamics of the Russian RML system on the phases of the economic cycle.
     Methods I have examined the specifics of the macroeconomic dynamics of the Russian RML system on the economic cycle phases. The tasks included: substantiation of the need to account for and expand of the group of financial sector's indicators enabling to predict a crisis using the economic activity of the RML system; development of effective mechanisms of anti-recessionary regulation to prevent crisis and neutralize its impact on the economy as a whole. The methods of statistical analysis served as methodological tools of the research. The study focuses on the functioning of the residential mortgage lending system in the context of the economic cycle of the development of the State. Based on the study and analysis of the key indicators of the Russian economy for 2005-2012, the paper offers indicators of economic activity of the RML system and their classification. The article identifies a number of indicators of economic activity of the RML system, which were of warning nature during the 2008-2009 financial crisis. I have proved the need for State regulation of the RML system and proposed its milestones and mechanisms.
     Results I conclude that the RML system should be subject to close oversight on the part of regulatory authorities.
     Conclusions and Relevance Early recognition of the threat of crisis and implementation of the proposed tools of State regulation will help to smooth the economic cycle of the State development and to create a basis for its sustainable development.


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