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JOURNAL OF APPLIED BUSINESS AND ECONOMICS
Housing Affordability as the Most Significant Socio-Economic Indicator
Author(s): Lyudmila Rudi, Tatyana Tropnikova
Citation: Lyudmila Rudi, Tatyana Tropnikova, (2020) "Housing Affordability as the Most Significant Socio-Economic Indicator," Journal of Applied Business and Economics, Vol. 22, Iss.7, pp. 102-113
Article Type: Research paper
Publisher: North American Business Press
Abstract:
Shaping the housing system in the Russian Federation based on market mechanisms of housing provision made the issue of determining overall trends in housing affordability urgent. The article offers new approaches to analyzing the population's ability to repay (service) the loan and the down payment for the Novosibirsk region of the Russian Federation. The obtained results of affordability indices calculations showed that mortgage lending had become an actual way to purchase housing, especially economy class one by a significant part of the population, even by those who do not have adequate earnings.
