Декабрь не особо помог рынку апартаментов в Москве. Да, продали больше, но это фактор декабря, скидок, хорошего новогоднего настроения.
Текущая ипотека позволяет продавать столько же, сколько за наличку. То есть никакого рычага или расширения воронки клиентов у девелоперов нет.
Относительно 2021 года рынок апартов упал всего на 31%, что "немного". Пациент скорее жив, чем мертв, но маржа девелоперов из-за скидок и субсидировании ипотеки улетела как фанера над Парижем.
Декабрь не особо помог рынку апартаментов в Москве. Да, продали больше, но это фактор декабря, скидок, хорошего новогоднего настроения.
Текущая ипотека позволяет продавать столько же, сколько за наличку. То есть никакого рычага или расширения воронки клиентов у девелоперов нет.
Относительно 2021 года рынок апартов упал всего на 31%, что "немного". Пациент скорее жив, чем мертв, но маржа девелоперов из-за скидок и субсидировании ипотеки улетела как фанера над Парижем.
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. 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. The company maintains that it cannot act against individual or group chats, which are “private amongst their participants,” but it will respond to requests in relation to sticker sets, channels and bots which are publicly available. During the invasion of Ukraine, Pavel Durov has wrestled with this issue a lot more prominently than he has before. Channels like Donbass Insider and Bellum Acta, as reported by Foreign Policy, started pumping out pro-Russian propaganda as the invasion began. So much so that the Ukrainian National Security and Defense Council issued a statement labeling which accounts are Russian-backed. Ukrainian officials, in potential violation of the Geneva Convention, have shared imagery of dead and captured Russian soldiers on the platform. Overall, extreme levels of fear in the market seems to have morphed into something more resembling concern. For example, the Cboe Volatility Index fell from its 2022 peak of 36, which it hit Monday, to around 30 on Friday, a sign of easing tensions. Meanwhile, while the price of WTI crude oil slipped from Sunday’s multiyear high $130 of barrel to $109 a pop. Markets have been expecting heavy restrictions on Russian oil, some of which the U.S. has already imposed, and that would reduce the global supply and bring about even more burdensome inflation. Individual messages can be fully encrypted. But the user has to turn on that function. It's not automatic, as it is on Signal and WhatsApp.
from ru
