Evaluating the Effectiveness of Regional Housing Policy: From the Perspective of Investment and Social Stability

The effectiveness of regional housing policy is closely linked to the stability of investment flows, the quality of the housing stock, the level of housing accessibility for the population, and the sustainable development of the social environment. The interaction between the public and private sectors in the housing market serves as one of the key mechanisms for ensuring the expansion of local infrastructure, increasing economic activity, and strengthening social equity. This study provides a systematic analysis of how the structural elements of housing policy—such as subsidies, mortgage instruments, public-private partnership projects, construction standards, and territorial planning mechanisms—affect investment attractiveness and social stability. In addition, the research evaluates regional disparities, housing price dynamics, growth rates of construction volumes, distribution of bank lending, and the actual accessibility of housing for the population. The article aims to develop scientifically grounded recommendations for modernizing regional housing policy, stimulating investment activity, and strengthening social stability.