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July 14, 2026Moscow Economic Journal

Mortgage Lending as a Tool for Regulating the Residential Real Estate Market

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Authors

KPKlimentiy PachevVTVera Titova

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Overview

The article examines mortgage lending's impact on real estate prices and demand in Krasnodar during economic instability, suggesting a need for improved regulatory models.

Key Points

  • The article investigates how mortgage lending can influence the residential real estate market in a volatile economic environment.
  • Analyzed statistical data on mortgage lending volumes in Krasnodar Territory from 2020–2025.
  • Investigated the connection between mortgage market development and price trends in housing markets.
  • Considered local and national economic factors affecting mortgage lending dynamics.
  • Mortgage lending supported effective demand and stimulated construction activity during economic fluctuations.
  • However, it also accelerated price growth and increased structural risks in the housing market.
  • Highlighted regional characteristics that enhance the influence of mortgage lending on local real estate.

Cite This Study

Pachev et al. (2026) studied this question.

synapsesocial.com/papers/6a55d18e5aafca87247f87f5https://doi.org/10.55186/2413046x_2026_11_7_91
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