Stress is just how far today's value sits between “norm” (0) and “crisis” (100) — a fixed calibrated scale, not a verdict. It measures pressure, not a prediction of collapse.
This is a year-on-year rate of change, not the absolute level — a level can stay high while its change reads as high stress.
Mortgage issuance (YoY) currently reads -36 % YoY, mapping to a stress of 77/100 — critical pressure, near the worst end of its calibrated range.
Across the tracked period the stress has held roughly flat (+0.0 pts).
The value is sourced via official statistics; confidence — medium. How it is derived: Mortgage lending year on year (CBR/DOM.RF). The collapse after mass subsidised mortgages ended and rates rose is the key demand channel for housing.
History is accumulating since launch — a chart appears once enough daily readings pile up.