mortgages, bought one-room apartments there in the cities there sputnik, there, so to speak, there dolgopudny, lyubertsyly they paid this mortgage there, and then they closed it at once and received capital. well, that is, if we want to form some capital, we need to start to understand even the same bank deposits, that is, we need to understand how the deposit insurance agency works there, and what are systemically important banks, where in what services, now, thank god, there are many, you can look at more favorable rates, because well, really, even with current rates, where in principle everything is not bad, you can always find where it is better, i will give you a very simple example. systems yes, there is green, and yellow, red, yes, that is, they have electronic cards in all systems, they have a main card, and it doesn't matter which bank, they use the financial card of this ecosystem in each of these marketplaces when using the services of a particular ecosystem in order to get the maximum cashback, they just opened my eyes, i got all these cards, now i have nine or 10 icons in my wallets. per mo

mortgages, bought one-room apartments in the cities there, sputnik, there, so to speak, there dolgopudny lyubertsyhey grew in price five times, accordingly , they paid this mortgage there, and then at once closed and received capital, there are such periods, but in order to. banks, and where in what services, now thank god there are many, you can look at more favorable rates, because well, really , even with current rates, where in principle everything is not bad, you can always find where it is better, i will give you a very simple example, i always give examples there from the life of my family or me personally, here i talked with my older children, i will say dad, you are just behind the times, they all have electronic cards, each ecosystem, yes there here is the green one. yellow red, yes, that is, they have electronic cards in all systems, they, they have a main card, and it doesn't matter in which bank, they use the financial card of this ecosystem in each of these marketplaces when using the services of this or that ecosystem in order to get the maximum cashback, they just opened my eyes, i