So it turns out that there is no point in keeping money in foreign currency? Savings in rubles at least bring interest income…
A very correct observation
There is a widespread inaccuracy. When assessing oman telegram data the attractiveness of savings in rubles against the dollar or another currency, they forget to take into account interest. If you look only at the exchange rate, it is now 90 rubles per dollar, and before 2020 it fluctuated around 60-65 rubles for several years. But your savings in rubles, as a rule, are not in cash, but in a bank account, or invested in securities. Therefore, you need to take into account the interest income that you could earn during this time. And here the comparison is much more in favor of the ruble than if you just look at the exchange rate separately.
Now about mass preferential mortgages
(which are given for new buildings at 8% per annum). The Central Bank has been against it for several years now, claiming that it should be targeted. Why? And what parameters would be optimal?
— The parameters of preferential lending programs are part of the budget policy. To whom, on what terms and in what volume to allocate financial resources on more favorable terms than for everyone else — this is the same decision as from 10 psychological techniques to improve saas marketing effectiveness: whom, in what volume to take taxes or to whom and in what volume to give subsidies. But there is an important nuance that needs to be understood. The key rate cannot affect preferential lending. And if ao lists preferential programs take up a large volume of lending, we have to change the key rate more strongly in order to have the necessary impact on demand and inflation. By analogy with physics — preferential lending programs.
