espEconomy: strategy and practiceEconomy: strategy and practice1997-99672663-550XИнститут экономики10.51176/1997-9967-2022-1-185-198esp-630Research ArticleМАКРОЭКОНОМИКА, МИРОВАЯ ЭКОНОМИКАMACROECONOMICS, WORLD ECONOMYВлияние ипотечного кредитования на доступность жилья в КазахстанеThe Impact of Mortgage Loans on Housing Affordability in Kazakhstanhttps://orcid.org/0000-0003-1102-1803АнесоваА. Г.AnessovaA. G.

PhD докторант

ул. Жандосова 55, 050035, Алматы

Akbota G. Anessova - PhD student

55 Zhandosov str., 050035, Almaty

anesova.akbota@narxoz.kzhttps://orcid.org/0000-0003-2026-4321АдамбековаА. А.AdambekovaА. А.

доктор экономических наук, профессор

ул. Жандосова 55, 050035, Алматы

Ainagul A. Adambekova - Doctor of Economics, professor

55 Zhandosov str., 050035, Almaty

adambekova@narxoz.kzhttps://orcid.org/0000-0002-5392-0594АбдуллаеваБ. А.AbdullaevaB. A.

кандидат экономических наук, профессор

ул. Жандосова 55, 050035, Алматы

Bizhamal A. Abdullaeva – c.e.s, associate professor

55 Zhandosov str., 050035, Almaty

bizhamal.abdullaeva@narxoz.kzУниверситет «Нархоз»Казахстан“NARXOZ” UniversityKazakhstan202205042022171185198Copyright © Анесова А.Г., Адамбекова А.А., Абдуллаева Б.А., 20222022Анесова А.Г., Адамбекова А.А., Абдуллаева Б.А.Anessova A.G., Adambekova А.А., Abdullaeva B.A.Данная работа распространяется под лицензией Creative Commons Attribution 4.0.This work is licensed under a Creative Commons Attribution 4.0 License.https://esp.ieconom.kz/jour/article/view/630

По данным Бюро национальной статистики РК, в Казахстане на тысячу жителей приходится всего 287 помещений, по количеству жилых помещений и по среднегодовой численности населения. Проблема острой потребности в жилье в РК решается ускоренным развитием жилищного строительства, а также государственными программами по льготному кредитованию. Доступность жилья является одним из актуальных вопросов социально-экономической политики любого государства. Одна из таких программ «Нурлы жер». Основные меры государственной поддержки направлены на строительство доступного жилья для широких слоев населения. Также чтобы решить вопросы доступности жилья была разработана программа «7-20-25» в 2018 году, который имеет наибольший спрос среди других ипотек. Поэтому важно понять, способно ли население брать ипотеку. Это исследование опирается на исследования Центра исследований прикладной экономики (AERC) о доступность жилья в стране. В данном исследований используются два индикатора HPI и HPA, которые были рассчитаны для крупных городов и регионов страны. Для расчетов использовались официальные статистические данные БНС с 2015 года по 2020 год. По результатам исследование, по индикатору HPI жители не могут накопить себе на жилье самостоятельно, при средней заработной плате и без учета, и с учетом расходов. По индикатору НРА по 4 ипотечным программам, лишь программа «7-20-25» была более доступна. Однако расчеты производились по средним данным, а на практике они рассчитываются индивидуально. Программы, разработанные государством, являются эффективными, поскольку ситуация с доступностью жилья улучшилась за последние 5 лет.

According to the Bureau of National Statistics of the Republic of Kazakhstan, there are 287 premises per thousand inhabitants in Kazakhstan regarding the number of residential premises and the average annual population. The problem of urgent housing need in Kazakhstan is being solved by the accelerated development of housing construction and by state programs for concessional lending. Housing affordability is one of the pressing issues of the socio-economic policy of any state. One of these programs is “NurlyZher”. The main measures of state support are aimed at the construction of affordable housing for the general population. To solve housing affordability issues, the “7-20-25” program was developed in 2018, which has the most significant demand. Therefore, it is essential to understand whether the population can take out a mortgage. This study builds on research by the Center for Applied Economics Research (AERC) on housing affordability in the country. This study uses two indicators, HPI and HPA, calculated for significant cities and regions. For the calculations, the official statistics of the BNS between 2015 – 2020 were used. According to results based on the HPI indicator, residents cannot save for housing with an average salary without taking into account expenses. The HPA indicator for four mortgage programs, “7-20-25” was more accessible. However, calculations were made on average data, but in practice individually. The programs developed by the state are effective since the situation with the affordability of housing has improved over the past five years.

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The authors declare that there are no conflicts of interest present.