Выдачи ипотеки в октябре обвалились почти на 20% к сентябрьскому рекорду. Аналитики связали это с вступлением в силу постановления правительства об увеличении первоначального взноса по ипотечным госпрограммам до 20%. На результат повлияло и ужесточение регуляторов регулирования. При этом эффект от повышения ключевой ставки до 15% сегменту еще предстоит пережить, уверены эксперты, пишет Forbes.
Выдачи ипотеки в октябре обвалились почти на 20% к сентябрьскому рекорду. Аналитики связали это с вступлением в силу постановления правительства об увеличении первоначального взноса по ипотечным госпрограммам до 20%. На результат повлияло и ужесточение регуляторов регулирования. При этом эффект от повышения ключевой ставки до 15% сегменту еще предстоит пережить, уверены эксперты, пишет Forbes.
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As a result, the pandemic saw many newcomers to Telegram, including prominent anti-vaccine activists who used the app's hands-off approach to share false information on shots, a study from the Institute for Strategic Dialogue shows. Telegram does offer end-to-end encrypted communications through Secret Chats, but this is not the default setting. Standard conversations use the MTProto method, enabling server-client encryption but with them stored on the server for ease-of-access. This makes using Telegram across multiple devices simple, but also means that the regular Telegram chats you’re having with folks are not as secure as you may believe. 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. This ability to mix the public and the private, as well as the ability to use bots to engage with users has proved to be problematic. In early 2021, a database selling phone numbers pulled from Facebook was selling numbers for $20 per lookup. Similarly, security researchers found a network of deepfake bots on the platform that were generating images of people submitted by users to create non-consensual imagery, some of which involved children. "The argument from Telegram is, 'You should trust us because we tell you that we're trustworthy,'" Maréchal said. "It's really in the eye of the beholder whether that's something you want to buy into."
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