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Joined 6 months ago
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Cake day: June 29th, 2024

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  • I looked up online calculators and it gives me 21.1% from sberbank. However it’s just interest rate. And with additional fees it shows up to 24.4%. And you should bear in mind that actual terms tend to be worse. There is also a “military mortgage” which “starts from 18.9%”, but it is not any better tbh.

    Edit: apparently there are cheaper mortgages starting from 5% and 6% if you are buying “new property” that are labeled as “IT” and “family” ones. I don’t know terms for those, but they are definitely not for everyone and they might have conditions which restrict those to a really small group of people. And you can’t buy second hand property with those.


  • Well, it didn’t make to the news, and the person in question eventually returned back to work, so it all ended well I guess. It was in one of the smaller cities in the eastern part of Russia, let’s say that it was Tomsk.

    And I also know a person who had some medical condition, something tells me that it was diabetes, but I can be wrong. So they fell unconcious in the winter and ended up laying in the snow for quite some time. And it was long enough for their fingers to be amputated. And the scariest thing that it was in a relatively crowded place, so there were a lot of people who could have helped them, but decided to just ignore them.

    And don’t feel horrible, it’s just some of the stories, and they don’t represent the whole picture. Also I tend to notice that usually all the horrible stuff is just easier to notice and remember and all the good things feel natural and just go by. At least it is true for me :)