CONSUMER BEHAVIOR OF RURAL RESIDENTS IN THE RURAL RESIDENTIAL REAL ESTATE MARKET
Issue № 4, 2023, article № 10, pages 89-99
Section: Development of rural territories
Original language title: ПОТРЕБИТЕЛЬСКОЕ ПОВЕДЕНИЕ СЕЛЬСКИХ ЖИТЕЛЕЙ НА РЫНКЕ СЕЛЬСКОЙ ЖИЛОЙ НЕДВИЖИМОСТИ
Abstract: The results of a study conducted by the method of interviewing the rural population in order to determine their relationship to mortgage lending to solve the property problem are considered. The study revealed: financial literacy of rural residents of the Russian Federation, including the Central and Far Eastern federal districts, the degree of their awareness of financial services. Based on the results of the analysis of the information received, the attitude of respondents to solving the housing issue was revealed, some of which are ready to make every effort to purchase their own housing, or buy it if it is possible to obtain a mortgage loan. Another group of respondents does not want to spend money on the purchase of housing, counting on their parents' apartment, or believes that renting is more convenient. To determine the prospects for the development of the Russian real estate market, the opinion of rural residents was taken into account. Most respondents believe that government support measures will contribute to the recovery of this market in the near future. The study showed that the predominant part of respondents do not feel interest in a specialized rural mortgage program, which is due to both the peculiarities of its implementation and the lack of awareness of citizens. According to the results of a survey of rural citizens, the share of those wishing to use the mortgage lending service was determined and their preferences were established: an individual house according to their own project, a typical suburban housing. Thus, over a third of respondents prefer the purchase of finished housing, not wanting to engage in its design and construction. Among those wishing to purchase land and/or housing, preference is given to the area of the house up to 150 m2 made of brick. The results of the study can be used in the development of programs for the development of rural areas and the mortgage lending market as a whole in the Russian Federation and certain regions of the country.