The average size of approved mortgage loans for suburban housing in Russia reached 5.679 million rubles, which is 52% more than the 2023 level. The main factors were preferential programs, rising land prices and construction. How government support affects the mortgage market, and what prospects await Russians in the coming years - read in our new analytical material. Growth of Average Mortgage Loans for Country Real Estate ...

... 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 to purchase housing under the preferential program are now forced to consider mortgages under standard terms, making housing less accessible. Increased rates raise monthly payments, meaning that not everyone can afford a mortgage under current conditions. Growth of Alternative Solutions. With ...

.... You should not agree to the first option you come across, especially if it seems less than ideal. Now there are many programs for small and medium businesses, and the conditions vary. Compare interest rates, available amount, term, availability of preferential programs or payment deferrals, collateral requirements. Pay attention to how loyal the lender is to its customers: for example, does it offer credit holidays in case of temporary difficulties or the possibility of early repayment without penalties. Having ...

... offset by a large market and access to capital. The European Union and specific countries in Europe have improved conditions for startups through special regimes. For example, France actively supports tech companies: the government launched co-funding programs for innovation and provides tax incentives for startups (preferential taxation for investments in R&D, loans for small tech businesses, etc.). Moreover, France has streamlined labor laws for young companies (the French Tech regime). The U.K. offers investors in startups attractive tax deductions through EIS/SEIS ...

... post-Soviet countries. Insurance Companies As mentioned earlier, shares can be acquired through investment-linked insurance programs. This scheme is straightforward and accessible. This method of investment has several advantages: policyholders can make ... ... invested in various assets: bonds, stocks, mutual funds, etc.; there is a vast choice of investment avenues; investors benefit from preferential taxation, as they are effectively not investing money but purchasing an insurance policy; investment amounts can ...