Объем досрочного погашения ипотеки в банках снизился до двухлетнего минимума и составил 343,5 млрд руб. Из-за инфляции и возросших процентных платежей по новым кредитам (в среднем заемщики сейчас имеют не менее двух действующих кредитов) в распоряжении заемщиков остается меньше свободных денежных средств. Кроме того, с учетом высоких ставок по депозитам, заемщикам выгоднее размещать свободные средства на вкладах, чем направлять их на досрочное погашение ипотеки. @banksta
Объем досрочного погашения ипотеки в банках снизился до двухлетнего минимума и составил 343,5 млрд руб. Из-за инфляции и возросших процентных платежей по новым кредитам (в среднем заемщики сейчас имеют не менее двух действующих кредитов) в распоряжении заемщиков остается меньше свободных денежных средств. Кроме того, с учетом высоких ставок по депозитам, заемщикам выгоднее размещать свободные средства на вкладах, чем направлять их на досрочное погашение ипотеки. @banksta
BY Банкста
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Telegram was co-founded by Pavel and Nikolai Durov, the brothers who had previously created VKontakte. VK is Russia’s equivalent of Facebook, a social network used for public and private messaging, audio and video sharing as well as online gaming. In January, SimpleWeb reported that VK was Russia’s fourth most-visited website, after Yandex, YouTube and Google’s Russian-language homepage. In 2016, Forbes’ Michael Solomon described Pavel Durov (pictured, below) as the “Mark Zuckerberg of Russia.” The perpetrators use various names to carry out the investment scams. They may also impersonate or clone licensed capital market intermediaries by using the names, logos, credentials, websites and other details of the legitimate entities to promote the illegal schemes. 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. Additionally, investors are often instructed to deposit monies into personal bank accounts of individuals who claim to represent a legitimate entity, and/or into an unrelated corporate account. To lend credence and to lure unsuspecting victims, perpetrators usually claim that their entity and/or the investment schemes are approved by financial authorities. 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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