The article discusses the principle traits in the event of the regional market for housing mortgage lending within the Rostov region. The most important factors influencing the expansion of mortgage lending in the region are recognized, as nicely as the potentialities of mortgage lending in solving the problem of providing housing for the population of the region. Key phrases: mortgage lending, curiosity rate, real earnings, regional housing market, improvement tendencies, state regulation.

Formation of the housing mortgage lending market immediately is one of the priorities of the state housing coverage in Russia. The issue of the event of mortgage lending is extraordinarily relevant, nevertheless, thus far, the federal government has not been able to make mortgage a mass phenomenon because of low incomes of the inhabitants and the lack of the required authorized framework for the event of mortgages. The current development of the regional market for mortgage lending is characterized by an imbalance in segments and inconsistencies in the interests of market agents.

In 2014-2015 In Russia, the financial state of affairs was deteriorating, to a large extent associated with a lower in vitality prices, the impact of international financial sanctions, and the depreciation of the ruble. In 2016, the amount of residential mortgage loans increased by 27%, after a decrease of 34% in 2015. Despite the fact that in 2015indicators of residential mortgage lending significantly decreased, in 2016, thanks to the state subsidy program, mortgage lending continued its development (Fig.

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