Несмотря на все обещания Набиуллиной замедлить инфляцию, прогнозы аналитиков, предрекавших увеличение ставки, оказались реальнее. Теперь рынок кредитования, который уже достигал 19% по ипотеке и 20% по потребкредитам у «Сбера», возьмет новые высоты.
Сильнее всего решение ЦБ скажется на рынке недвижимости: создавшийся на сегодняшний день пузырь продолжит увеличиваться, а желающих приобрести квартиру с кабальными условиями больше не станет.
И, конечно, пострадают традиционно россияне. Свое жилье становится признаком роскоши.
Несмотря на все обещания Набиуллиной замедлить инфляцию, прогнозы аналитиков, предрекавших увеличение ставки, оказались реальнее. Теперь рынок кредитования, который уже достигал 19% по ипотеке и 20% по потребкредитам у «Сбера», возьмет новые высоты.
Сильнее всего решение ЦБ скажется на рынке недвижимости: создавшийся на сегодняшний день пузырь продолжит увеличиваться, а желающих приобрести квартиру с кабальными условиями больше не станет.
И, конечно, пострадают традиционно россияне. Свое жилье становится признаком роскоши.
BY Зона особого внимания
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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. Andrey, a Russian entrepreneur living in Brazil who, fearing retaliation, asked that NPR not use his last name, said Telegram has become one of the few places Russians can access independent news about the war. Given the pro-privacy stance of the platform, it’s taken as a given that it’ll be used for a number of reasons, not all of them good. And Telegram has been attached to a fair few scandals related to terrorism, sexual exploitation and crime. Back in 2015, Vox described Telegram as “ISIS’ app of choice,” saying that the platform’s real use is the ability to use channels to distribute material to large groups at once. Telegram has acted to remove public channels affiliated with terrorism, but Pavel Durov reiterated that he had no business snooping on private conversations. But Telegram says people want to keep their chat history when they get a new phone, and they like having a data backup that will sync their chats across multiple devices. And that is why they let people choose whether they want their messages to be encrypted or not. When not turned on, though, chats are stored on Telegram's services, which are scattered throughout the world. But it has "disclosed 0 bytes of user data to third parties, including governments," Telegram states on its website. Now safely in France with his spouse and three of his children, Kliuchnikov scrolls through Telegram to learn about the devastation happening in his home country.
from tr