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К февралю просроченная ипотечная задолженность россиян впервые превысила 100 млрд рублей, увеличившись за месяц на 5,7 млрд. Общий объем жилищных кредитов с начала года снизился на 108 млрд и составил 19 трлн рублей.
Аналитик Freedom Finance Global Владимир Чернов отметил, что уровень просрочки стал рекордным — выше, чем в 2008 и 2022 годах. В ЦБ рост задолженности и реструктуризаций объяснили тем, что кредиты по массовой льготной ипотеке, выданные во второй половине 2023-го и начале 2024-го, начали «вызревать», а часть заемщиков не справляется с выплатами.
К февралю просроченная ипотечная задолженность россиян впервые превысила 100 млрд рублей, увеличившись за месяц на 5,7 млрд. Общий объем жилищных кредитов с начала года снизился на 108 млрд и составил 19 трлн рублей.
Аналитик Freedom Finance Global Владимир Чернов отметил, что уровень просрочки стал рекордным — выше, чем в 2008 и 2022 годах. В ЦБ рост задолженности и реструктуризаций объяснили тем, что кредиты по массовой льготной ипотеке, выданные во второй половине 2023-го и начале 2024-го, начали «вызревать», а часть заемщиков не справляется с выплатами.
“To the extent it is used I fear it’s often for illicit finance. It’s an extremely inefficient way of conducting transactions, and the amount of energy that’s consumed in processing those transactions is staggering,” the former Fed chairwoman said. Yellen’s comments have been cited as a reason for bitcoin’s recent losses. However, Yellen’s assessment of bitcoin as a inefficient medium of exchange is an important point and one that has already been raised in the past by bitcoin bulls. Using a volatile asset in exchange for goods and services makes little sense if the asset can tumble 10% in a day, or surge 80% over the course of a two months as bitcoin has done in 2021, critics argue. To put a finer point on it, over the past 12 months bitcoin has registered 8 corrections, defined as a decline from a recent peak of at least 10% but not more than 20%, and two bear markets, which are defined as falls of 20% or more, according to Dow Jones Market Data.
Should You Buy Bitcoin?
In general, many financial experts support their clients’ desire to buy cryptocurrency, but they don’t recommend it unless clients express interest. “The biggest concern for us is if someone wants to invest in crypto and the investment they choose doesn’t do well, and then all of a sudden they can’t send their kids to college,” says Ian Harvey, a certified financial planner (CFP) in New York City. “Then it wasn’t worth the risk.” The speculative nature of cryptocurrency leads some planners to recommend it for clients’ “side” investments. “Some call it a Vegas account,” says Scott Hammel, a CFP in Dallas. “Let’s keep this away from our real long-term perspective, make sure it doesn’t become too large a portion of your portfolio.” In a very real sense, Bitcoin is like a single stock, and advisors wouldn’t recommend putting a sizable part of your portfolio into any one company. At most, planners suggest putting no more than 1% to 10% into Bitcoin if you’re passionate about it. “If it was one stock, you would never allocate any significant portion of your portfolio to it,” Hammel says.
