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🏗 Проектное финансирование

С ростом ключевой ставки всё чаще звучит тезис о том, что у застройщиков растут расходы по кредитам, «съедая» всю маржинальность их бизнеса. Давайте вспомним, как устроено проектное финансирование и из чего складывается процентная нагрузка по проектам строительства жилья.
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🏗 Проектное финансирование

С ростом ключевой ставки всё чаще звучит тезис о том, что у застройщиков растут расходы по кредитам, «съедая» всю маржинальность их бизнеса. Давайте вспомним, как устроено проектное финансирование и из чего складывается процентная нагрузка по проектам строительства жилья.

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Telegram | DID YOU KNOW?

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Again, in contrast to Facebook, Google and Twitter, Telegram's founder Pavel Durov runs his company in relative secrecy from Dubai. I want a secure messaging app, should I use Telegram? 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. Recently, Durav wrote on his Telegram channel that users' right to privacy, in light of the war in Ukraine, is "sacred, now more than ever." He said that since his platform does not have the capacity to check all channels, it may restrict some in Russia and Ukraine "for the duration of the conflict," but then reversed course hours later after many users complained that Telegram was an important source of information.
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