... income levels: Rising real incomes in Russia may further enhance the affordability of country real estate. Commentary by Sergey Tereshkin, General Director of Open Oil Market “The increase in the average size of mortgage loans reflects structural changes in the country real estate market. Preferential programs have become not only a support for citizens but also a vital tool for developing regional infrastructure. However, the rise in land and construction prices requires further attention from the government and the banking sector.” Conclusion The increase in the average size of mortgage loans demonstrates a sustained interest among Russians in country real estate, particularly in light of the favorable ...

... expensive and complex products. We are pioneers in this field, so we try to teach, explain, and show that there are complex products, demonstrate how we digitalize all processes, and seek feedback to understand what we should do next and what needs to be changed. In our company, we are primarily developing accounting systems. We have a mobile app where customers can check the current price and order products at any time. We also develop various services within the company that are made possible through IT. For example, we use a mailing tool. Back in 2017, we created a Telegram bot to allow deals to be made quickly via a mobile phone,...

... the exact amount by which the interest changes. Why is Understanding Basis Points Important? For investors, especially those dealing with bonds and fixed-income instruments, basis points serve as a convenient unit of measurement for evaluating small changes and making decisions. Even slight fluctuations in yields can significantly impact bond prices, particularly with large investments. Basis points are an essential tool for more accurately assessing changes in interest rates and yields. They play a role not only in investments but also in everyday credit products such as mortgages and consumer ...

... positive dynamics in May; however, investors are advised to exercise caution and manage risks. A businesslike approach entails balanced decision-making: leveraging the advantages of XRP’s upward trend while staying prepared for prompt reactions to market changes. Thus, the forecast for XRP in May 2025 is mildly bullish, with an acknowledgment of potential fluctuations. XRP remains one of the key altcoin assets, closely watched by the professional community in the upcoming month, and its price in May will serve as an indicator of how successfully the cryptocurrency market has navigated the phase of regulatory transformation and entered a new growth stage. Note: This forecast does not constitute financial advice. Investors should conduct ...

... to compensate for losses through higher exchange prices. It is worth noting, however, that the damping mechanism depends on petroleum product quotations in Europe, as well as the exchange rate of the ruble. This does not involve cutting subsidies but changing macroeconomic conditions. Oil and petroleum products have fallen in price worldwide, and the ruble has strengthened against the dollar. According to Tereshkin, rapid movements in retail prices will not occur as a result of rising exchange prices since only 15% of the gasoline produced is sold on the exchange. However,...