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С 1 января ЦБ запретит банкам выдавать ипотеки с обходом эскроу-счетов и рыночных ставок: • Через аккредитив (вроде «Правильной ипотеки» Совкомбанка) • С кэшбэком после оплаты первоначального взноса • С субсидированием рыночной ставки
С 1 января ЦБ запретит банкам выдавать ипотеки с обходом эскроу-счетов и рыночных ставок: • Через аккредитив (вроде «Правильной ипотеки» Совкомбанка) • С кэшбэком после оплаты первоначального взноса • С субсидированием рыночной ставки
Anastasia Vlasova/Getty Images 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. Pavel Durov, a billionaire who embraces an all-black wardrobe and is often compared to the character Neo from "the Matrix," funds Telegram through his personal wealth and debt financing. And despite being one of the world's most popular tech companies, Telegram reportedly has only about 30 employees who defer to Durov for most major decisions about the platform. Channels are not fully encrypted, end-to-end. All communications on a Telegram channel can be seen by anyone on the channel and are also visible to Telegram. Telegram may be asked by a government to hand over the communications from a channel. Telegram has a history of standing up to Russian government requests for data, but how comfortable you are relying on that history to predict future behavior is up to you. Because Telegram has this data, it may also be stolen by hackers or leaked by an internal employee. Telegram boasts 500 million users, who share information individually and in groups in relative security. But Telegram's use as a one-way broadcast channel — which followers can join but not reply to — means content from inauthentic accounts can easily reach large, captive and eager audiences.
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