... mortgage market is growing despite high interest rates. Why do Russians continue to take out mortgages even in the face of inflation and the risk of ruble devaluation? In this article, we examine the key reasons — from the desire to protect savings to government support. Find out how high rates affect the housing market and why real estate remains an attractive investment for many. Why Russians Continue to Take Out Mortgages Despite High Interest Rates? Concerns About Devaluation and Increased Housing ...

... long-term loans, become less attractive for banks, particularly if rates remain high. Cost Optimization. Banks like VTB and Sberbank are suspending subsidized programs to optimize their costs and mitigate risks. The family mortgage program relies on government support, and in times of economic difficulty, the government may reduce or limit such subsidies, influencing banks' financial decisions. The Impact of the Suspension of Family Mortgages on Borrowers Reduced Housing Accessibility. Families planning ...

... worth noting that banks rarely issue loans for starting a business - when the enterprise does not yet have a history of activity - and under strict conditions. Beginners often have to start developing at their own expense, support from investors or government programs until they have built up a positive business reputation. It should be remembered that business lending conditions may differ in different organizations. Some institutions are ready to work with young companies and participate in government ...

... such as cafes, shops, and service offerings, is becoming a key factor in increasing profitability. Sales of additional goods and services can contribute 10-25% of revenue and more than 50% of a station's profits. Amid growing fiscal pressure and the government’s efforts to limit fuel price increases, gas station owners are actively developing additional services, transforming fuel stations into roadside service hubs. Financial Performance of Gas Stations in Russia The financial indicators of ...

... and improve the economic situation in Europe. Currently, European countries are mirroring the Japanese experience, which is difficult to label as positive. The velocity of financial resources is decreasing, while interest rates remain low. If European governments do not implement any measures or infrastructure projects, any talk of economic recovery is futile. Sergey Tereshkin anticipates an improvement in the European markets in the coming months. However, the central banks' intention to maintain ...