Хотя банки во многих случаях готовы выдавать деньги людям с высокой долговой нагрузкой, в ЦБ стремятся ограничить долю рискованных кредитов.
Самой рискованной регулятор считает ипотеку с первоначальным взносом ниже 20% и показателем долговой нагрузки (ПДН) заемщика более 80% - у таких людей на текущие потребности остается всего 20% дохода: https://rg.ru/2025/03/12/dolg-po-silam.html?tgm
Хотя банки во многих случаях готовы выдавать деньги людям с высокой долговой нагрузкой, в ЦБ стремятся ограничить долю рискованных кредитов.
Самой рискованной регулятор считает ипотеку с первоначальным взносом ниже 20% и показателем долговой нагрузки (ПДН) заемщика более 80% - у таких людей на текущие потребности остается всего 20% дохода: https://rg.ru/2025/03/12/dolg-po-silam.html?tgm
These entities are reportedly operating nine Telegram channels with more than five million subscribers to whom they were making recommendations on selected listed scrips. Such recommendations induced the investors to deal in the said scrips, thereby creating artificial volume and price rise. Also in the latest update is the ability for users to create a unique @username from the Settings page, providing others with an easy way to contact them via Search or their t.me/username link without sharing their phone number. 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. 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. "Russians are really disconnected from the reality of what happening to their country," Andrey said. "So Telegram has become essential for understanding what's going on to the Russian-speaking world."
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