TY JOUR TI MORTGAGE LENDING AS A TOOL FOR REGULATING THE RESIDENTIAL REAL ESTATE MARKET KW mortgage lending KW real estate market KW macroeconomic instability KW government regulation KW mortgage KW interest rate KW residential real estate KW regional market JO MOSCOW ECONOMIC JOURNAL AU Pachev, K.V. AU Titova, V.E. PY 2026 IS 0 PB Electronic science