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• Итогом программы массовой льготной ипотеки стало снижение доступности жилья на 70% ниже уровня марта 2020 - впрочем стоимость заимствования выросла и в результате других шоков
• Снижение доступности ипотеки без субсидий происходит седьмой месяц подряд
• Последние 4 месяца года вклад роста цен в снижение доступности был нулевым, главным драйвером снижения доступности стал рост стоимости ипотеки
• Снижение доходности 5-летних ОФЗ, базовой ставки для трансфертной кривой банков для ипотеки, на 2.7 пп до 16.6% против пика октября дает основания ждать стабилизации и роста доступности жилья в 1П25
• Итогом программы массовой льготной ипотеки стало снижение доступности жилья на 70% ниже уровня марта 2020 - впрочем стоимость заимствования выросла и в результате других шоков
• Снижение доступности ипотеки без субсидий происходит седьмой месяц подряд
• Последние 4 месяца года вклад роста цен в снижение доступности был нулевым, главным драйвером снижения доступности стал рост стоимости ипотеки
• Снижение доходности 5-летних ОФЗ, базовой ставки для трансфертной кривой банков для ипотеки, на 2.7 пп до 16.6% против пика октября дает основания ждать стабилизации и роста доступности жилья в 1П25
He adds: "Telegram has become my primary news source." What distinguishes the app from competitors is its use of what's known as channels: Public or private feeds of photos and videos that can be set up by one person or an organization. The channels have become popular with on-the-ground journalists, aid workers and Ukrainian President Volodymyr Zelenskyy, who broadcasts on a Telegram channel. The channels can be followed by an unlimited number of people. Unlike Facebook, Twitter and other popular social networks, there is no advertising on Telegram and the flow of information is not driven by an algorithm. The company maintains that it cannot act against individual or group chats, which are “private amongst their participants,” but it will respond to requests in relation to sticker sets, channels and bots which are publicly available. During the invasion of Ukraine, Pavel Durov has wrestled with this issue a lot more prominently than he has before. Channels like Donbass Insider and Bellum Acta, as reported by Foreign Policy, started pumping out pro-Russian propaganda as the invasion began. So much so that the Ukrainian National Security and Defense Council issued a statement labeling which accounts are Russian-backed. Ukrainian officials, in potential violation of the Geneva Convention, have shared imagery of dead and captured Russian soldiers on the platform. Oh no. There’s a certain degree of myth-making around what exactly went on, so take everything that follows lightly. Telegram was originally launched as a side project by the Durov brothers, with Nikolai handling the coding and Pavel as CEO, while both were at VK. At its heart, Telegram is little more than a messaging app like WhatsApp or Signal. But it also offers open channels that enable a single user, or a group of users, to communicate with large numbers in a method similar to a Twitter account. This has proven to be both a blessing and a curse for Telegram and its users, since these channels can be used for both good and ill. Right now, as Wired reports, the app is a key way for Ukrainians to receive updates from the government during the invasion.
from cn
