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September 10, 2025Economics taxes & lawOpen Access

Housing market imbalance, systemic risk and regulatory Practices

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Authors

MPM. Yu. Pechalova

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Overview

Analysis identifies systemic risk and price imbalances in the housing market, suggesting macroeconomic measures are critical for stability.

Key Points

  • The study demonstrates signs of a bubble in the housing market, indicating significant price imbalances.
  • During 2020–2024, systemic risk accumulated in banks from high-risk mortgage lending practices.
  • Effective macroprudential measures outperformed increases in key interest rates in managing housing market risks.
  • Preferential mortgage programs temporarily increased housing affordability but favored developers and banks over consumers.

Cite This Study

M. Yu. Pechalova (2025) studied this question.

synapsesocial.com/papers/68c1b61454b1d3bfb60eb5edhttps://doi.org/10.26794/1999-849x-2025-18-3-67-80
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  3. 3STIMULATING THE DEVELOPMENT OF RESIDENTIAL DEVELOPMENT THROUGH MORTGAGE LENDING2024 · 1 citations
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