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📈 Более 31% — средняя стоимость потребительского кредита продолжает ставить рекорды

В топ-20 российских банков полная стоимость кредита (ПСК) в среднем составляет 31,7%. Новости для тех, кто хочет взять заем, не самые лучшие — лишь за полтора месяца ПСК выросла на 2 п.п., что в 2 раза выше темпов повышения ключевой ставки. Причина такой динамики — неопределенность относительно возможного предела «ключа». Именно сегодня регулятор примет очередное решение о его пересмотре, а пока рынок закладывает в кредитные продукты уровень в 21%.
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📈 Более 31% — средняя стоимость потребительского кредита продолжает ставить рекорды

В топ-20 российских банков полная стоимость кредита (ПСК) в среднем составляет 31,7%. Новости для тех, кто хочет взять заем, не самые лучшие — лишь за полтора месяца ПСК выросла на 2 п.п., что в 2 раза выше темпов повышения ключевой ставки. Причина такой динамики — неопределенность относительно возможного предела «ключа». Именно сегодня регулятор примет очередное решение о его пересмотре, а пока рынок закладывает в кредитные продукты уровень в 21%.

BY Суверенная экономика


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"We're seeing really dramatic moves, and it's all really tied to Ukraine right now, and in a secondary way, in terms of interest rates," Octavio Marenzi, CEO of Opimas, told Yahoo Finance Live on Thursday. "This war in Ukraine is going to give the Fed the ammunition, the cover that it needs, to not raise interest rates too quickly. And I think Jay Powell is a very tepid sort of inflation fighter and he's not going to do as much as he needs to do to get that under control. And this seems like an excuse to kick the can further down the road still and not do too much too soon." On Telegram’s website, it says that Pavel Durov “supports Telegram financially and ideologically while Nikolai (Duvov)’s input is technological.” Currently, the Telegram team is based in Dubai, having moved around from Berlin, London and Singapore after departing Russia. Meanwhile, the company which owns Telegram is registered in the British Virgin Islands. "There is a significant risk of insider threat or hacking of Telegram systems that could expose all of these chats to the Russian government," said Eva Galperin with the Electronic Frontier Foundation, which has called for Telegram to improve its privacy practices. Markets continued to grapple with the economic and corporate earnings implications relating to the Russia-Ukraine conflict. “We have a ton of uncertainty right now,” said Stephanie Link, chief investment strategist and portfolio manager at Hightower Advisors. “We’re dealing with a war, we’re dealing with inflation. We don’t know what it means to earnings.” Right now the digital security needs of Russians and Ukrainians are very different, and they lead to very different caveats about how to mitigate the risks associated with using Telegram. For Ukrainians in Ukraine, whose physical safety is at risk because they are in a war zone, digital security is probably not their highest priority. They may value access to news and communication with their loved ones over making sure that all of their communications are encrypted in such a manner that they are indecipherable to Telegram, its employees, or governments with court orders.
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