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Написал для Бэлла, чем плохи субсидированные от застройщиков ипотеки и почему и как с ними пытается бороться ЦБ.

Тезисно:

📌 Субсидируют эти ипотеки в основном сами заемщики, а не застройщики, тем самым увеличивая сумму кредита

📌Слишком много ипотек -> слишком много субсидий из бюджета, (зависящих от ключевой ставки ЦБ) -> слишком мало возможностей для роста ставки

📌 Риски этих программ практически полностью лежат на заемщиках и бюджете

📌 Остановит ли это застройщиков? Вряд ли.
Но рынок существенно охладится, и не факт, что экономика от этого выиграет



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Написал для Бэлла, чем плохи субсидированные от застройщиков ипотеки и почему и как с ними пытается бороться ЦБ.

Тезисно:

📌 Субсидируют эти ипотеки в основном сами заемщики, а не застройщики, тем самым увеличивая сумму кредита

📌Слишком много ипотек -> слишком много субсидий из бюджета, (зависящих от ключевой ставки ЦБ) -> слишком мало возможностей для роста ставки

📌 Риски этих программ практически полностью лежат на заемщиках и бюджете

📌 Остановит ли это застройщиков? Вряд ли.
Но рынок существенно охладится, и не факт, что экономика от этого выиграет

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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. "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." The gold standard of encryption, known as end-to-end encryption, where only the sender and person who receives the message are able to see it, is available on Telegram only when the Secret Chat function is enabled. Voice and video calls are also completely encrypted. 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. Despite Telegram's origins, its approach to users' security has privacy advocates worried.
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