I will be forever thankful to you, you changed my life I will continue to speak on your behalf for the world to hear that you saved me from huge financial debt with just a little trade, thank you Jihan Wu you're such a life saver
As a beginner in this, it’s essential for you to have a mentor to keep you accountable. Mr Jihan Wu is also my invest analyst, he has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my investment decisions align with market dynamics for optimal returns.
Jihan Wu Services has really set the standard for others to follow, we love him here in Canada 🇨🇦 as he has been really helpful and changed lots of life's
@albin2232 What if Russia backed the Ruble with all it's resources including gold, silver, platinum holdings and oil and gas reserves? What would Western countries back their currencies with? Can you answer that?
@@quintongragg2394 Please research why the gold standard was abandoned. Then come and explain how on earth did you think you'll keep developing the economy with said limited resources. You'd need to be re-evaluating the price of everything constantly if your currency was binded to the natural resources you mentioned. - edit. oh and the value of RUB has nothing to do with gold or any of the mentioned natural resources.
@Pajune No, the Ruble, like every fiat currency including the dollar, has no backing. But it could as Russia has large reserves. To assume you must have an ever expanding currency supply is ignorant. Did not the industrial revolution happen under a gold standard? The gold standard was abandoned because the thieves, oligarchs, and politicians didn't like the limited currency supply because it limited the possibility of theft and corruption. No limits on the supply (fiat) is the reason the US is severely insolvent as you can not burden many generation with debt if the supply of currency is limited.
Assuming you can PAY the 30%, and that it doesn´t increase in the coming years. Putin´s actions are leading to a weakened economy for Russia for a decade to come, and the amazing 450 billion USD gathered for decades from Russian oil and gas sales, will be burnt up in this war.
that of course if interest rate remain the same for 20 years, and if so then the people are much richer, high interest rate are to stop people spending and the opposite for lower interest rate
@@TheDeepDiveHub-o8b "To put it bluntly," most people in Western countries can not even buy a house now as currency printing has created an unaffordable bubble real estate market. Rates may be 8% in America but no one can afford to buy at such artificially elevated prices. So the interest rates becomes irrelevant if everyone is priced out of the market before even considering the rate of interest. And this will not get better with time, only worse, as rates in the West are now surging and housing prices have not fallen.
Interesting. But, I might add that the quality of construction is open to suspicion as well. As early as 2023, buildings in Moscow and its region, buildings with completion dates IN 2023 (and beyond now) were being sold with a variety of defects. To compensate for material shortages and higher costs, (due to the first round of sanctions) developers were cutting corners everywhere they could. Anything on the market now, with a completion date after the war began is most likely overpriced and of low quality. Buyers beware.
A brilliant video, and I was fascinated by the weather! I did not know you could have such good weather in Russia, until I looked up the location on the map! You have a new subscriber as I enjoyed this so much
30% yearly interest rate on mortgage loans?! Golly gee, sound to me like there might be a little something wrong in general with this USSR, ohh I mean this Russian economy...
Roles are about to reverse smart guy. Are you prepared? No, bc you have no idea it is coming. Who has the resources and production? Definitely not Sweden.
@quintongragg2394 T inquiète , ils rigolent du rouble mais l € c est pas mieux , en 2008 l €/$ etait à 1.6 aujourd'hui en 2025 il est à 1.03 niveau de dettes des états ici : USA 101 % FRANCE 122 % 😟 UK 112 % SWEDEN 35 % RUSSIE....... 20 % 😯😁
@@journaldelor626 Sauf que personne ne veut prêter à la Russie (à 21%...) et que les pays occidentaux empruntent sans problème à des taux beaucoup plus bas. C'est d'ailleurs pour ça que la Russie fait fonctionner la planche à billets et que son fonds de richesse nationale est en train de fondre...
Actually collective western losers led by the world’s biggest terrorists USA sanctions Russia before SMO , in fact many countries are under sanctions imposed by the world’s biggest terrorists USA in over 60 years in some cases, Cuba,Iran, North Korean, Syria, Belarus, china, Venezuela….
How's that working? Actually rates are high and inflation strong because the Russian economy is too hot. Meaning, getting out from under others' control and gaining independence, the economy has grown too fast, but you probably don't understand such a good problem as you have never experienced it.
@@quintongragg2394 Most world economics keep saying that the Russian financial situation is a cocktail for disaster in most likely less than a year. Labour shortages, high inflation,high interest rates, an economy pumping over 30% gdp into its war machine, oil prices fallen. Before Russias invasion I think it may have double the federal reserves it does now. That’s taken decades to build. And 50% gone in 3 years. But what do I know it could all just be conjecture.
@@Youknowit95 what about your country? High inflation, huge unemployment, dr. g consumers, homeless people, plummeting trust in the world. It's your country is a cocktail for disaster, not Russia
Prices should be compared to income. Countries with higher income levels have correspondingly higher prices. Of course, there is a difference in quality and environment.
ciao natasha ...I'm sure you're a good girl, and most likely you disagree with what your government has been doing for almost 3 years, but in Ukraine now there are many people who no longer have a home because of the vile actions of your government and the armed forces of your country even today there was a bombing in Zaporizhia that killed 13 people and demolished 2 buildings, all this repeated for 3 years caused the sanctions and the inevitable fall of the ruble but there are always those who are worse off who no longer have a home, a job and have lost their loved ones...good night
I know a girl who used to live in krasnodar. But after February of 2022 she and her husband and little girl left and now they live in the Republic of Georgia.
Thank you for your educational video. Your city seems to have a warmer climate than my home in Charlotte NC. I was not aware that Russia had any Cities with such warm climates. Many of the neighborhoods you filmed looked like nice places to live. I wish you peace, joy, and happiness starting this new year season.
Hi Natasha, always nice to hear from you. Yes, I heard already from other sources, that the interest rate in Russia is very high and most people cannot afford to buy an apartment or house. I bought my house a long time ago and it is all paid for - no payments any more. Russia is a beautiful country and it would be interesting to visit it, but not at the present time. I live in North- America, but I was not able to see all of my country so far. On the other hand, I enjoy your videos from Russia.
Hello Natasha, How has the real estate market evolved since the beginning of the war (over 3 years). Have the new interest rates been a brake on the purchase of real estate?
Reason why interest rates are high is to limit excessive spending and debt. As compared to most Western countries, I live in Canada and rates are about 5% also. But house prices on average are $800,000 in major cities as a start...even in smaller cities it's still $550,000 and up. Converting rubies to my dollars I can live like a king in Russia. $7 million rubles is only about $98,000 Canadian dollars...also realize the Russian debt is only a small $306 billion...as compared to the USA at $36 Trillion and climbing and Irelands debt $220 Billion Euros with only around 7 million people. Canada's debt having only 40 million people is $1.35 Trillion dollars, with a $1 billion dollar a week only for the interest payment on the debt. All in all high interest rates are needed to stop or slow down inflation...
Sanctions have nothing to do with it, genius. There's no way you have 5% mortgage rates in Ireland; 30 year fixed rates in US, which Ireland doesn't even have, are 8%. Also, you are getting wrecked by mass migration. You have plenty of problems.
Hi Natasha, I hope that mortgage interest rate goes down quickly. Here in the netherlands mortgage interest is just 4% or so but the problem here is the shortage of houses and hence the superhigh prices. The average price of houses here is about half a million euro's.
Here in the Netherlands the interest rates on mortgages are not as high as they are in Russia, though here we have a shortage in houses and apartments which makes houses extremely expensive. In fact, I am forced to live in a camper. I can live on the street as an alternative.
I like changing seasons. Winter may seem long and dark, but it is also beautiful thanks to the snow. Think about walking in freezing temperatures in warm clothes while snow creaks in your shoes. Cold may be felt in the face and nose, perhaps pinches in the toes. It's nice to go for coffee or tea, after a walk. 😊💙🤍
I thought it was high when interest rates hit 21% but 30% from the bank is insane (You will be buying the house every 3 years for 20+ years). How does the average russian afford them on local wages ?
It's sad to see but unfortuantlly it only gets worse but at first has the piggy bank to dry out. Wish you the best in the face of bleak times, Natascha.
We live next to the Pacific Ocean, in a place that has no summer or winter as you know it, just a long spring that goes into a long fall, with the occasional few warm/hot days in the spring and some chilly days in the fall. Things grow here all year round. I wear short pants all year long. Not many trees lose their leaves. Have never seen snow here, and only rarely at the higher elevations. Often the only way you can tell whether it is January or July is the length of the sunlight in the day. Now is the greenest time of the year due to getting some rain. However, it is very expensive to live here.
I have been watching the fires north of LA, east of LA. Areas I have been to before. I wouldn't necessarily recommend wearing short pants in February when it's rainy and 53° f. I thought it was cold then and I'm from Boston. You know We like to have warmth when we go on vacation. Currently I live in Florida. People are visiting from the north and it's 45° in my backyard. But at least it's not hurricane season.
It makes me sad when you mention the sanctions. I have no control over such matters. I actually would like to see St Petersburg! To check out the architecture, the nice art work!
6% for families with a kid 6(?) years old or younger. My daughter is 9, so I cannot use that mortage. Also we have 7% for IT specialists, but it's budget ended around September 2024. Maybe government will add budget to IT mortage in this year, then I will use it as investment for the future. Also we have 3% mortage for rural areas, but it must be a private house, not an apartment and it is usually far from the city, so you will have to spend 1+ hour one way every day to get to your office. And every person can use only one of that special donated mortage programs in his life. Plus once in his life every Russian can get tax off on property deal. And tax off on mortage percents. It is very easy now and can be done online, you only need to scan all the papers once an year and upload to Russian tax department site. Current huge rates is an emergency attempt to stop the inflation caused by big military salaries. So it should go down to 15% or 10% in 2-3-4 years. Before the war we had mortage around 10% I think. The smallest mortage(without government help) in last 10 years I heard about was around 8+%. In 2017 I took mortage with 9.5%. Also, I should note that mortage rates in Russia are always locked. If you got a mortage with 10% 5 years ago, it will be 10% until you close it. Or you can transfer and reinvest your mortage to another bank if it is ready to give you a smaller rate. But you have to spend some time and loose ~1 month of payment on additional fees, so you need to calculate first.
@@MsMelkus Thank you for your very detailed reply. It’s very interesting to know. In the Uk mortgages are only fixed for X amount of years. I think you mainly get 2 year fixed or a 5 year fixed. But we complained when mortgage rates hit 5%. The average salary for a full time worker in the uk is £38,000. ( 4,800 000 rubles I think ) The average house price is £290,000. ( 36,000 000 rubles I think ) How would you describe the current system in regard to mortgages, do you think it works well for the average Russian person and Russian family ?? There is alot of talk on what’s going to happen to the Russian economy this year, especially after the summer but I’m not really sure how accurate these things ever are. Thanks again for your detailed reply
@@Youknowit95it is so hard to estimate. I assume nobody in Russia can afford now a mortgage with 30% rate. So you have to wait or make a baby or find another ways. In addition, all that preferential programs works for a new building only, when you buy from developer. So market of 'old' apartments is completely stuck. Only people with cash can buy there and they want a discount. My parents cannot sell their old apartments for about 2 years to get money for building a new house. I assume they can sell with a discount, but we better wait. Everybody put money on deposit. Deposit rates were up to 23% until December, 20. Now it is about 18% only, because central bank did not raise the rate as everybody expected. I expect people to get money back from deposit in 6 months and start consuming or investing in stock exchange. Food inflation is high but not so bad as it was in 90th. I mean, restaurants are still crowded, tickets to Thailand sold out and so on. While in my childhood restaurant was always a party and happened maybe once in 3 years.
@@Youknowit95 Russian economy is export oriented, so 6% of inflation and 8% of mortgage were considered as ultra low in Russia. We always have inflation to get benefits on exporting goods, everybody used to it, to asking employer every year to increase salary on inflation at least. Some of them do it automatically. So everybody used to. Of course current rates are super high, but you look at it from 2% perspective and we look from 8-12%. I remember a lot people who got 20 years mortgage with 12% in 2012-2014 and later transformed to 8-9%
Natasha, I currently live in the Maldives / Australia but own a condo in the Европейский жилой комплекс (Ulitsa Kozhevennaya, 28, Krasnodar) do you know these buildings on the river? I paid 6.77m in 2019 (14th Fl, 2 Br), do you think the value has gone up or down? I will go back to Krasnodar when the conflict is over to sell the unit as my girlfriend wants to live fulltime in the Maldives. Just wondering if you think values have improved since Feb 2023 when I left Krasnodar (my wife was killed in Миколаївка, Donetsk visiting her mother on 7 Jan 2023), what do you think, up or down?
Hi Naasha, I would like to know the average price for square meter in the historic center in historic and prestigious buildings. Next summer I will be in your city.
Happy orthodox Christmas 🎄 and a Happy New Year to you, Natasha. I have question for you regarding the rent of different properties shown in the piece. What is the average price of it? By the way, at least the little children can play on the London red bus that's in the playground. Many thanks 💐
В новых домах теплоизоляция сильно лучше из-за новых материалов - вот почему там сильно меньше стоит отопление. Но обычно больше площадь, если сравнивать с хрущёвками. И конечно же лучше двор и подъезд. В итоге сама квартира стоит дороже и содержание двора тоже может быть дороже. У меня большая стоимость содержания общего имущества полностью перекрывает экономию на отоплении. Но газончики у нас прямо шикарные, меня всё устраивает.
Could you please add average and minimal wage in Krasnodar for better context? It would be much easier to understand whether it is high or low prices. And yea, 30% yearly makes mortgages impossible to afford.
As I understand it thr rouble is about 102 to the dollar. Isn't that roughly what it's been all year? The the dollar to euro a year ago was 112 to 1. Now it's 193 to one and falling . So in fact the rouble is holding out even better than the euro.
Yeah, no, I'm kind of jealous of the weather in Krasnodar, because for the next two weeks at least we're going to have way below zero, like -6°C to -8°C. I'd much rather stay indoors, but well, there's work to be done, sometimes you have to go shopping, I can't hide forever. lol 6:52 Pentagram? (top left) Interesting... Someone needs magic protection, I guess.^^
High interest rates are needed to slow down high inflation...house prices 15 years ago on average was around $125,000. Now for the same house $400,000 as a starter home. Major cities in Canada starting at $600,000 or a 500 square foot condo, or $1.5 million for a regular house. Interest rates around 5%. BUT, a couple years ago it was 0.5%...at which point since money was cheap to borrow, corporations capitalized on this and inflated prices sky high...also in Russia cell service is about $10, utilities under $50, income taxes less than 15%...
look on the bright side some people in Russia have something in common with many people in Florida who cant afford a mortgage in their home state, interest rate maybe lower but prices are much higher
Be careful not to let the authorities (or anyone) geo locate you. These are crazy times and it's not worth the risk. Just a little common sense, no need to worry.
Natasha Good Evening : i think you should cover some business to do in the region and other communities > how they are living try to visit mosque & temple etc Halal Food vegetarian food etc because how i as foreigner think ... if there is hostility or friendliness you can understand what i mean
in all that WW II footage during the fighting around Stalingrad in the winter, the snow is piling up, the wind is blowing, and everything is frozen. This is just a little further to the south, the temp is cool but not freezing, and there is no snow anywhere. Is this what global warming looks like in Russia.??
Great video, Information,hair and gold nail polish! And you know I always love when you say my dears ☺️.... Oh sorry.... Prices in NY are very high as you obviously know already so i can't add anything about the real estate market here that isn't obvious 😔 It's similar to Moscow 😐
Hi Natasha! Very informative and really tough hearing these kinds of mortgage loan rates. No one could afford these loans. Hopefully, everything will work itself out soon. Your weather is perfect, despite being winter. I personally prefer winter rather than the heat of summer. TY for the update my dear…you look wonderful! Happy New Year and God bless you.🙏🏻
My utilities are approx $200 to $250 a month which is water, trash, electric (I don't use gas nor do I have it). Phone is separate and internet is separate. Taxes are ridiculous and so is my insurance! LOL
It's not really possible for Western tourists to visit Russia. This is because Western governments have advised against travel to Russia. That advice can be ignored but it also means that buying travel insurance to Russia is impossible. No insurance company would provide cover to a country against government advice.
Lijep je taj tvoj Krasnodar. Mogla bi više snimati o samom gradu 🙂 Nekada sam silno želio posjetiti Rusiju, sada više ne želim, ali Krasnodar mi se sviđa, valjda zbog blage klime 🙂
Come to live in England we have low inflation and low interest rates. Although we have zero growth and we are in dept quiet a bit. Good thing you can demonstrate as much as you like with banners and such like. There are demonstrations in London all the time its called democracy. No subscription and better weather. 🌄
Hi Natasha: The cost of rents in Canada also is quite high. It is normal for an one bedroom apartment to cost 1000 dollars a month to rent. and in some place even higher. Here in my province of Saskatchewan the rents are consistently the same near 1000 dollars Canadian a month or slightly more, but in the city of Toronto, Ontario rents can reach 2,482 a month in Canadian dollars. It is good to know Natasha that people in all nations are struggling to find affordable housing. In your nation, it sounds like renting an apartment is the logical and affordable choice. Good video dear lady and God bless you in building your channel and your economic future.
A friend who has a flat in Tobolsk says it's worth around £45k GBP but in UK average house price for a 2 bed is around £200k. The city which I live in a 4 bed detached house is around £550k so as you can imagine getting a mortgage for many is almost impossible.
Ипотека - это игла для наших граждан и ярмо для нашего бюджета на десятилетия вперёд. Но в нашей стране не принято задумываться о том, что будет через 30 лет. Некоторые могут спросить меня, как молодой семье получить собственное жильё. Я отвечу на этот вопрос: не становитесь этой самой молодой семьёй. К 35 годам, когда вы уже должны быть финансово самодостаточны, можно подумать о рождении первого и единственного ребёнка и ипотеке по рыночной ставке. Если же к этому возрасту вы не добились ничего, то не заводите детей и живите спокойно.
These city-scapes probably seem quite normal to local people ... but to some foreigners , the Russian cities are very monotonous or extremely ugly - Soviet uniformity , that crushing boredom and drabness is built in . Vast suburbs seem to be identical in appearance and stretch for 5 / 10 / 15 km .. My favourite city , however was Irkutsk , as I found there are still reasonably extensive areas of 1900-30 architecture and lots of small wooden houses . Compare to Krasnoyarsk 400 km away , that being utterly vile and obscene ... especially if experienced in winter
Long, long time ago I used to pay close attention to real estate and we could have easily had about 3 million dollars from that but stuff happens and we still did okay though and it is difficult to say other than I have had no more aspirations for more than a decade and it is all over because I am now a closed minded person but I do have concerns over money in the bank and volatility and it causes hell but maybe since I'm such an old man now that I am 50 years old that I should die coming up and not worry about anything ever. It is impossible here too in Canada to get a house if you are a first time buyer. The prices are very high and all that. Anyway if I could live in a 10 million dollar home I would turn it down because my mind is so closed now. I don't want anything like that.
Hello Natasha, Happy New Year i live in Dubai from long, i like Village houses, planting, farming, can i get a average house with fruit trees in $20,000 please, need your help, pls do reply, i am waiting, thanks
Regarding your remark about traveling to Russia..... For me I have made my mind up. I am coming to Russia to live and do what I can to help build the country. I am sick of the policies in my part of the world (EU). The Olympic games were the last thing I cold handle. So it is not a question of if I come but when I come... For several reasons I want to wait just a little longer, but no longer than 2 years. Before that time I WILL come to visit your beautiful country.
Russia is one of the worst places to move to right now. Millions left the country already, but outflow continues. Now even govt controlled media in Russia predicting rather hard times ahead.
@@awedsgtsvfcgtre7269 I see what you mean. The people who leave Russia have a glamorous idea of other countries or they wanted to leave the country already and only needed that little nudge. I was in a number of other countries. Most countries in the world are only good when you have money. Another point is that EU countries are under control of the EU which gets it's instructions from Washington. Please do not make the mistake that life is better or more free here. I agree that it may have been like that in the past but it is no longer so. As I told you in my other comment, I have to live in a small camper. The only alternative is the streets and I have a pretty good income. A number of EU countries are in recession. Germany is de-industrializing. Thousands are loosing their jobs there. Here in the Netherlands the same fate awaits us because much of our economy depends on the industry in Germany. Another point is that our society is falling apart. The family values that you still enjoy in Russia, we lost that many years ago. Times may be difficult in Russia with the inflation and the SMO in Ukraine but Russia will do better. Russia has friends all over the world. You are part of Bricks. Give it time. Russia will do well. We in EU...... The EU regime has cut us of from the rest of the world. We have no friends left besides America and even America is feeding on EU, First they stole our cultures and now they are stealing our money. Gas reserves are drained fast. In fact, without cheap Russian gas people may die because it is too expensive for the elderly. Especially in the countries that are not that rich. From your point of view, Russia may not be such a good place. From my point of view I would like to say..... Think again. It might not be so bad after all. And I did not tell you everything yet. In the near future more problems will stack up here. Please stay safe.
It's weird, Russia is the largest country in the world and they cram workers into small apartments and very tall buildings! oh, ah, well, lol, wow, wow, yeah, cool, stunning, spectacular, incredible, breathtaking, phenomenal, impressive, remarkable, extraordinary.
Hit 220k today. Appreciate you for all the knowledge and nuggets you had thrown my way over the last months. Started with 34k in November 2024
I would really love to know how much work you did put in to get to this stage
I will be forever thankful to you, you changed my life I will continue to speak on your behalf for the world to hear that you saved me from huge financial debt with just a little trade, thank you Jihan Wu you're such a life saver
As a beginner in this, it’s essential for you to have a mentor to keep you accountable. Mr Jihan Wu is also my invest analyst, he has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my investment decisions align with market dynamics for optimal returns.
Jihan Wu Services has really set the standard for others to follow, we love him here in Canada 🇨🇦 as he has been really helpful and changed lots of life's
His instructions allowed me to reorganize my retirement plan, resulting in an estimated $700k more by the time I retire.
The ruble is rubble.
We know who is to blame.
@@dougbagby3493it looks you are the only one.
@albin2232 What if Russia backed the Ruble with all it's resources including gold, silver, platinum holdings and oil and gas reserves? What would Western countries back their currencies with? Can you answer that?
Obama for the Color Revolutions, I mean western coups.
@@quintongragg2394 Please research why the gold standard was abandoned. Then come and explain how on earth did you think you'll keep developing the economy with said limited resources. You'd need to be re-evaluating the price of everything constantly if your currency was binded to the natural resources you mentioned.
- edit. oh and the value of RUB has nothing to do with gold or any of the mentioned natural resources.
@Pajune No, the Ruble, like every fiat currency including the dollar, has no backing. But it could as Russia has large reserves. To assume you must have an ever expanding currency supply is ignorant. Did not the industrial revolution happen under a gold standard? The gold standard was abandoned because the thieves, oligarchs, and politicians didn't like the limited currency supply because it limited the possibility of theft and corruption. No limits on the supply (fiat) is the reason the US is severely insolvent as you can not burden many generation with debt if the supply of currency is limited.
To put it bluntly, a 30% APR means you'll end up paying six times the original price over 20 years!
Well done, Russia!
Assuming you can PAY the 30%, and that it doesn´t increase in the coming years. Putin´s actions are leading to a weakened economy for Russia for a decade to come, and the amazing 450 billion USD gathered for decades from Russian oil and gas sales, will be burnt up in this war.
Stupid is as stupid does
It is more like 6 times in 7 years, you have to pay interest of the interest
that of course if interest rate remain the same for 20 years, and if so then the people are much richer, high interest rate are to stop people spending and the opposite for lower interest rate
@@TheDeepDiveHub-o8b "To put it bluntly," most people in Western countries can not even buy a house now as currency printing has created an unaffordable bubble real estate market. Rates may be 8% in America but no one can afford to buy at such artificially elevated prices. So the interest rates becomes irrelevant if everyone is priced out of the market before even considering the rate of interest. And this will not get better with time, only worse, as rates in the West are now surging and housing prices have not fallen.
the ruble is now cheaper than a sheet of toilet paper😊
Thanks
Thank you for your support ❤️. Stay happy 🎉🥳🐻
@@natasha-rostova 🥰💔
Interesting.
But, I might add that the quality of construction is open to suspicion as well.
As early as 2023, buildings in Moscow and its region, buildings with completion dates IN 2023 (and beyond now) were being sold with a variety of defects.
To compensate for material shortages and higher costs, (due to the first round of sanctions) developers were cutting corners everywhere they could.
Anything on the market now, with a completion date after the war began is most likely overpriced and of low quality.
Buyers beware.
STOP WAR !
STOP COMPLICITY !
A brilliant video, and I was fascinated by the weather! I did not know you could have such good weather in Russia, until I looked up the location on the map! You have a new subscriber as I enjoyed this so much
🥰
30% yearly interest rate on mortgage loans?! Golly gee, sound to me like there might be a little something wrong in general with this USSR, ohh I mean this Russian economy...
Roles are about to reverse smart guy. Are you prepared? No, bc you have no idea it is coming. Who has the resources and production? Definitely not Sweden.
@quintongragg2394 T inquiète , ils rigolent du rouble mais l € c est pas mieux , en 2008 l €/$ etait à 1.6 aujourd'hui en 2025 il est à 1.03
niveau de dettes des états ici :
USA 101 %
FRANCE 122 % 😟
UK 112 %
SWEDEN 35 %
RUSSIE....... 20 % 😯😁
@journaldelor626 I can not read this response, but I am sure you are confident it is a good one based on emojis.
@@journaldelor626 Sauf que personne ne veut prêter à la Russie (à 21%...) et que les pays occidentaux empruntent sans problème à des taux beaucoup plus bas. C'est d'ailleurs pour ça que la Russie fait fonctionner la planche à billets et que son fonds de richesse nationale est en train de fondre...
Three years of war, three years of sanction.
Actually collective western losers led by the world’s biggest terrorists USA sanctions Russia before SMO , in fact many countries are under sanctions imposed by the world’s biggest terrorists USA in over 60 years in some cases, Cuba,Iran, North Korean, Syria, Belarus, china, Venezuela….
How's that working? Actually rates are high and inflation strong because the Russian economy is too hot. Meaning, getting out from under others' control and gaining independence, the economy has grown too fast, but you probably don't understand such a good problem as you have never experienced it.
Decades of Kremlin corruption.
@@quintongragg2394
Most world economics keep saying that the Russian financial situation is a cocktail for disaster in most likely less than a year.
Labour shortages, high inflation,high interest rates, an economy pumping over 30% gdp into its war machine, oil prices fallen.
Before Russias invasion I think it may have double the federal reserves it does now. That’s taken decades to build. And 50% gone in 3 years.
But what do I know it could all just be conjecture.
@@Youknowit95 what about your country? High inflation, huge unemployment, dr. g consumers, homeless people, plummeting trust in the world. It's your country is a cocktail for disaster, not Russia
Thanks, Natasha. The mortgage rates are high. Hopefully, things will change soon for both countries, and life will become livable again. Keep safe.
Good video Natasha. I'm surprised how good your English is.
I'm one who likes snow for Christmas.
God bless ya.
Mild winters over harsh winters anytime!
Prices should be compared to income. Countries with higher income levels have correspondingly higher prices. Of course, there is a difference in quality and environment.
ciao natasha ...I'm sure you're a good girl, and most likely you disagree with what your government has been doing for almost 3 years, but in Ukraine now there are many people who no longer have a home because of the vile actions of your government and the armed forces of your country even today there was a bombing in Zaporizhia that killed 13 people and demolished 2 buildings, all this repeated for 3 years caused the sanctions and the inevitable fall of the ruble
but there are always those who are worse off who no longer have a home, a job and have lost their loved ones...good night
Where were you from 2014-2022 and why you say nothing about the genocide in Donbas?
what you talking about idiot she have nothing to do with war !!!!sorry
Greetings from Boston, Red Sparrow. May I say, you look magnificent as always!
I know a girl who used to live in krasnodar. But after February of 2022 she and her husband and little girl left and now they live in the Republic of Georgia.
Minimal Russian girl. Now they have 3 children.
Thank you for your educational video. Your city seems to have a warmer climate than my home in Charlotte NC. I was not aware that Russia had any Cities with such warm climates. Many of the neighborhoods you filmed looked like nice places to live. I wish you peace, joy, and happiness starting this new year season.
Charlotte is much warmer in general, and much more humid in the summer.
Hi Natasha, always nice to hear from you. Yes, I heard already from other sources, that the interest rate in Russia is very high and most people cannot afford to buy an apartment or house. I bought my house a long time ago and it is all paid for - no payments any more. Russia is a beautiful country and it would be interesting to visit it, but not at the present time. I live in North- America, but I was not able to see all of my country so far. On the other hand, I enjoy your videos from Russia.
Мир божји, Христос се роди. Поздрав из Србије.
Ваистину се роди!
Hello Natasha, How has the real estate market evolved since the beginning of the war (over 3 years). Have the new interest rates been a brake on the purchase of real estate?
Definitely , with an interest rate of 30% the sales have dropped up to 73% in most parts of Russia.
@@millerwtf Thank you for your comment. I am very impressed! Are you Russian?
Hi Natascha, always nice to watch your videos! I have a question: what is the song in this video? I like it a lot! Greetings from Flanders
Kalinin - Nord
Thank you for sharing! Hugs and kisses from Minnesota!
thankyou for nice video, thanks for warning about avito, I was looking there to buy
_Наташа самая очаровательная и наилучшая богиня 😍😍😍 💕💕💕 С Рождеством 🌟🌟🌟 🇷🇺🇷🇺🇷🇺_
Good to know sanctions are working and causing pain for Russian aggression, greetings from Ireland interest rates about 5%
Reason why interest rates are high is to limit excessive spending and debt. As compared to most Western countries, I live in Canada and rates are about 5% also. But house prices on average are $800,000 in major cities as a start...even in smaller cities it's still $550,000 and up. Converting rubies to my dollars I can live like a king in Russia. $7 million rubles is only about $98,000 Canadian dollars...also realize the Russian debt is only a small $306 billion...as compared to the USA at $36 Trillion and climbing and Irelands debt $220 Billion Euros with only around 7 million people. Canada's debt having only 40 million people is $1.35 Trillion dollars, with a $1 billion dollar a week only for the interest payment on the debt. All in all high interest rates are needed to stop or slow down inflation...
Sanctions have nothing to do with it, genius. There's no way you have 5% mortgage rates in Ireland; 30 year fixed rates in US, which Ireland doesn't even have, are 8%. Also, you are getting wrecked by mass migration. You have plenty of problems.
Russia is a dirt poor country. GDP of Spain lol
@@BartmanMi Spain: In 2023, Spain's GDP was reported at 1,580.70 billion US dollars.
Russia: In 2022, Russia's GDP was estimated at $2.2 trillion.
@@peopledustcanada try again with current Q4 - 2024 numbers and without the 'billion' mistake for Spain. How can i take you seriously?
Critical opinions are not welcome here and will be deleted by the channel operator
Then that would mean the channel operator is no better than the operator of the country where they are.
Hi Natasha, I hope that mortgage interest rate goes down quickly. Here in the netherlands mortgage interest is just 4% or so but the problem here is the shortage of houses and hence the superhigh prices. The average price of houses here is about half a million euro's.
Here in the Netherlands the interest rates on mortgages are not as high as they are in Russia, though here we have a shortage in houses and apartments which makes houses extremely expensive.
In fact, I am forced to live in a camper. I can live on the street as an alternative.
😕
I enjoy all of your videos. I like seeing the cost of living and always like seeing you shopping!
I like changing seasons. Winter may seem long and dark, but it is also beautiful thanks to the snow. Think about walking in freezing temperatures in warm clothes while snow creaks in your shoes. Cold may be felt in the face and nose, perhaps pinches in the toes. It's nice to go for coffee or tea, after a walk. 😊💙🤍
I thought it was high when interest rates hit 21% but 30% from the bank is insane (You will be buying the house every 3 years for 20+ years). How does the average russian afford them on local wages ?
It's sad to see but unfortuantlly it only gets worse but at first has the piggy bank to dry out. Wish you the best in the face of bleak times, Natascha.
We live next to the Pacific Ocean, in a place that has no summer or winter as you know it, just a long spring that goes into a long fall, with the occasional few warm/hot days in the spring and some chilly days in the fall. Things grow here all year round. I wear short pants all year long. Not many trees lose their leaves. Have never seen snow here, and only rarely at the higher elevations. Often the only way you can tell whether it is January or July is the length of the sunlight in the day. Now is the greenest time of the year due to getting some rain. However, it is very expensive to live here.
You're in Russia 🇷🇺 😅
I have been watching the fires north of LA, east of LA. Areas I have been to before. I wouldn't necessarily recommend wearing short pants in February when it's rainy and 53° f. I thought it was cold then and I'm from Boston. You know We like to have warmth when we go on vacation. Currently I live in Florida. People are visiting from the north and it's 45° in my backyard. But at least it's not hurricane season.
@@pamelajaye Said the Russian
Gorgeous Natasha!
SIMP.🤪
Interesting information thx, crazy with the 30% interest rate
USA mortgage rates got about that high in 1981-1982. Crazy economic times after Carter administration.
❤❤❤ From Buenos Aires, Argentina
It makes me sad when you mention the sanctions. I have no control over such matters. I actually would like to see St Petersburg! To check out the architecture, the nice art work!
Natasha, where I am in the UK it is -5C, snow and ice.. too cold to go out at the moment, so I'm hoping it will warm up soon.. Many thanks.. (Phil)
30% APR ?? That can’t be right??
I watched Putins yearly address to the nation, didn’t he keep saying something about 6% mortgages??
🤣😂🤣
6% for families with a kid 6(?) years old or younger. My daughter is 9, so I cannot use that mortage. Also we have 7% for IT specialists, but it's budget ended around September 2024. Maybe government will add budget to IT mortage in this year, then I will use it as investment for the future.
Also we have 3% mortage for rural areas, but it must be a private house, not an apartment and it is usually far from the city, so you will have to spend 1+ hour one way every day to get to your office.
And every person can use only one of that special donated mortage programs in his life.
Plus once in his life every Russian can get tax off on property deal. And tax off on mortage percents. It is very easy now and can be done online, you only need to scan all the papers once an year and upload to Russian tax department site.
Current huge rates is an emergency attempt to stop the inflation caused by big military salaries. So it should go down to 15% or 10% in 2-3-4 years. Before the war we had mortage around 10% I think. The smallest mortage(without government help) in last 10 years I heard about was around 8+%. In 2017 I took mortage with 9.5%.
Also, I should note that mortage rates in Russia are always locked. If you got a mortage with 10% 5 years ago, it will be 10% until you close it. Or you can transfer and reinvest your mortage to another bank if it is ready to give you a smaller rate. But you have to spend some time and loose ~1 month of payment on additional fees, so you need to calculate first.
@@MsMelkus
Thank you for your very detailed reply.
It’s very interesting to know.
In the Uk mortgages are only fixed for X amount of years. I think you mainly get 2 year fixed or a 5 year fixed. But we complained when mortgage rates hit 5%.
The average salary for a full time worker in the uk is £38,000. ( 4,800 000 rubles I think )
The average house price is £290,000.
( 36,000 000 rubles I think )
How would you describe the current system in regard to mortgages, do you think it works well for the average Russian person and Russian family ??
There is alot of talk on what’s going to happen to the Russian economy this year, especially after the summer but I’m not really sure how accurate these things ever are.
Thanks again for your detailed reply
@@Youknowit95it is so hard to estimate. I assume nobody in Russia can afford now a mortgage with 30% rate. So you have to wait or make a baby or find another ways. In addition, all that preferential programs works for a new building only, when you buy from developer. So market of 'old' apartments is completely stuck. Only people with cash can buy there and they want a discount. My parents cannot sell their old apartments for about 2 years to get money for building a new house. I assume they can sell with a discount, but we better wait. Everybody put money on deposit. Deposit rates were up to 23% until December, 20. Now it is about 18% only, because central bank did not raise the rate as everybody expected. I expect people to get money back from deposit in 6 months and start consuming or investing in stock exchange.
Food inflation is high but not so bad as it was in 90th. I mean, restaurants are still crowded, tickets to Thailand sold out and so on. While in my childhood restaurant was always a party and happened maybe once in 3 years.
@@Youknowit95 Russian economy is export oriented, so 6% of inflation and 8% of mortgage were considered as ultra low in Russia. We always have inflation to get benefits on exporting goods, everybody used to it, to asking employer every year to increase salary on inflation at least. Some of them do it automatically. So everybody used to.
Of course current rates are super high, but you look at it from 2% perspective and we look from 8-12%. I remember a lot people who got 20 years mortgage with 12% in 2012-2014 and later transformed to 8-9%
Merry Christmas for yesterday, how it was? Do you have a good time celebrating the Christmas?
Very intering video. Southern Russia sounds great !
Natasha, I currently live in the Maldives / Australia but own a condo in the Европейский жилой комплекс (Ulitsa Kozhevennaya, 28, Krasnodar) do you know these buildings on the river? I paid 6.77m in 2019 (14th Fl, 2 Br), do you think the value has gone up or down? I will go back to Krasnodar when the conflict is over to sell the unit as my girlfriend wants to live fulltime in the Maldives. Just wondering if you think values have improved since Feb 2023 when I left Krasnodar (my wife was killed in Миколаївка, Donetsk visiting her mother on 7 Jan 2023), what do you think, up or down?
God bless you.
good job Natasha, professional report.
Hi Naasha, I would like to know the average price for square meter in the historic center in historic and prestigious buildings. Next summer I will be in your city.
I rather buy in Odessa, Ukraine any day of the week. Slava Ukraine 🇺🇦
Happy orthodox Christmas 🎄 and a Happy New Year to you, Natasha.
I have question for you regarding the rent of different properties shown in the piece.
What is the average price of it?
By the way, at least the little children can play on the London red bus that's in the playground.
Many thanks 💐
Start a Community Garden! Its good for the mind, body and soul and definitely the wallet 😊
GREAT video!!!!
for sure with this kind of mortage interest rates only paying it right away off makes sense.
Wow your English is excellent.
В новых домах теплоизоляция сильно лучше из-за новых материалов - вот почему там сильно меньше стоит отопление.
Но обычно больше площадь, если сравнивать с хрущёвками. И конечно же лучше двор и подъезд. В итоге сама квартира стоит дороже и содержание двора тоже может быть дороже. У меня большая стоимость содержания общего имущества полностью перекрывает экономию на отоплении. Но газончики у нас прямо шикарные, меня всё устраивает.
Could you please add average and minimal wage in Krasnodar for better context? It would be much easier to understand whether it is high or low prices. And yea, 30% yearly makes mortgages impossible to afford.
As I understand it thr rouble is about 102 to the dollar. Isn't that roughly what it's been all year? The the dollar to euro a year ago was 112 to 1. Now it's 193 to one and falling . So in fact the rouble is holding out even better than the euro.
Your English is excellent 👌
House Hunters soviet episode . cool tour . and great presentation
Yeah, no, I'm kind of jealous of the weather in Krasnodar, because for the next two weeks at least we're going to have way below zero, like -6°C to -8°C. I'd much rather stay indoors, but well, there's work to be done, sometimes you have to go shopping, I can't hide forever. lol
6:52 Pentagram? (top left) Interesting... Someone needs magic protection, I guess.^^
Local witches live there 😂
@@natasha-rostova I see. Must be a whole coven then. :D
High interest rates are needed to slow down high inflation...house prices 15 years ago on average was around $125,000. Now for the same house $400,000 as a starter home. Major cities in Canada starting at $600,000 or a 500 square foot condo, or $1.5 million for a regular house. Interest rates around 5%. BUT, a couple years ago it was 0.5%...at which point since money was cheap to borrow, corporations capitalized on this and inflated prices sky high...also in Russia cell service is about $10, utilities under $50, income taxes less than 15%...
'In the current situation' you say....very interesting you can't use the word 'war'....very instructive.
Когда началась песня про лёд, посмотрел в окно, а там такая же погода, как у тебя) Эта зима прям издёвка. Никакого снега блин.😄
look on the bright side some people in Russia have something in common with many people in Florida who cant afford a mortgage in their home state, interest rate maybe lower
but prices are much higher
I am very interested in Russia ...continue with your good work ...greetings from Germany hamburg
the music at @08:02 ...wow...did not understand a word wat the lady sung but it was perfect ...ha
Be careful not to let the authorities (or anyone) geo locate you. These are crazy times and it's not worth the risk. Just a little common sense, no need to worry.
Authorities doesn’t know where is she🤪🤪🤪 come on, you serious 🤪🤪🤪
@@山田セナ If I can figure it out in 5 minutes, I'm sure they could if they wanted to. Don't argue about this. There is no point.
Natasha Good Evening : i think you should cover some business to do in the region and other communities > how they are living try to visit mosque & temple etc Halal Food vegetarian food etc because how i as foreigner think ... if there is hostility or friendliness you can understand what i mean
thank you so much for interesting news!
3 years of sanctions... weird! Russia has also been trying to annex Ukraine for 3 years? Happy New Year and Merry Orthodox Christmas
Krasnodar is where Agent Netsy lives. You should team up sometime.
Amazing weather there in Krasnodar..... Here in Ontario, Canada we are up to our knees in snow
in all that WW II footage during the fighting around Stalingrad in the winter, the snow is piling up, the wind is blowing, and everything is frozen.
This is just a little further to the south, the temp is cool but not freezing, and there is no snow anywhere.
Is this what global warming looks like in Russia.??
Интересно, как ты текст записываешь, прям на ходу? Или готовишься? Активный словарь у тебя прям широкий.
Great video, Information,hair and gold nail polish! And you know I always love when you say my dears ☺️.... Oh sorry.... Prices in NY are very high as you obviously know already so i can't add anything about the real estate market here that isn't obvious 😔
It's similar to Moscow 😐
Hi Natasha! Very informative and really tough hearing these kinds of mortgage loan rates. No one could afford these loans. Hopefully, everything will work itself out soon.
Your weather is perfect, despite being winter. I personally prefer winter rather than the heat of summer.
TY for the update my dear…you look wonderful!
Happy New Year and God bless you.🙏🏻
Mortgage rates were 20% in 1980 in US but many don't know that. The rates are 8% today in US and rising and will continue to rise.
❤️❤️❤️
My utilities are approx $200 to $250 a month which is water, trash, electric (I don't use gas nor do I have it). Phone is separate and internet is separate. Taxes are ridiculous and so is my insurance! LOL
It's not really possible for Western tourists to visit Russia. This is because Western governments have advised against travel to Russia. That advice can be ignored but it also means that buying travel insurance to Russia is impossible. No insurance company would provide cover to a country against government advice.
Lijep je taj tvoj Krasnodar. Mogla bi više snimati o samom gradu 🙂 Nekada sam silno želio posjetiti Rusiju, sada više ne želim, ali Krasnodar mi se sviđa, valjda zbog blage klime 🙂
5:10 I checked on a globe. Krasnodar is at the same latitude as Milan. It's climate of Krasnodar warm.
I thought utube is banned in russia?
You moved to Krasnodar.From where? You spent childhood in other part of Russia?
I was born in Nizhny Novgorod
@natasha-rostova Smartly moved.
It is nice place I like it
Come to live in England we have low inflation and low interest rates. Although we have zero growth and we are in dept quiet a bit. Good thing you can demonstrate as much as you like with banners and such like. There are demonstrations in London all the time its called democracy. No subscription and better weather. 🌄
Hi from tassie ( Tasmania) 23 c today my grandchildren will have to take 40 year mortgage to pay off their house ( like the music)
You play music in the video. Can you please tell me who the artist is?
KALININ - Норд
@@natasha-rostova Большое спасибо Наташа 🙏🙂
@@natasha-rostova AWESOME!
Hi Natasha: The cost of rents in Canada also is quite high. It is normal for an one bedroom apartment to cost 1000 dollars a month to rent. and in some place even higher. Here in my province of Saskatchewan the rents are consistently the same near 1000 dollars Canadian a month or slightly more, but in the city of Toronto, Ontario rents can reach 2,482 a month in Canadian dollars. It is good to know Natasha that people in all nations are struggling to find affordable housing. In your nation, it sounds like renting an apartment is the logical and affordable choice. Good video dear lady and God bless you in building your channel and your economic future.
A friend who has a flat in Tobolsk says it's worth around £45k GBP but in UK average house price for a 2 bed is around £200k. The city which I live in a 4 bed detached house is around £550k so as you can imagine getting a mortgage for many is almost impossible.
I lived near Krasnador in the mid 1990s.
Ипотека - это игла для наших граждан и ярмо для нашего бюджета на десятилетия вперёд. Но в нашей стране не принято задумываться о том, что будет через 30 лет. Некоторые могут спросить меня, как молодой семье получить собственное жильё. Я отвечу на этот вопрос: не становитесь этой самой молодой семьёй. К 35 годам, когда вы уже должны быть финансово самодостаточны, можно подумать о рождении первого и единственного ребёнка и ипотеке по рыночной ставке. Если же к этому возрасту вы не добились ничего, то не заводите детей и живите спокойно.
These city-scapes probably seem quite normal to local people ... but to some foreigners , the Russian cities are very monotonous or extremely ugly - Soviet uniformity , that crushing boredom and drabness is built in . Vast suburbs seem to be identical in appearance and stretch for 5 / 10 / 15 km .. My favourite city , however was Irkutsk , as I found there are still reasonably extensive areas of 1900-30 architecture and lots of small wooden houses . Compare to Krasnoyarsk 400 km away , that being utterly vile and obscene ... especially if experienced in winter
Long, long time ago I used to pay close attention to real estate and we could have easily had about 3 million dollars from that but stuff happens and we still did okay though and it is difficult to say other than I have had no more aspirations for more than a decade and it is all over because I am now a closed minded person but I do have concerns over money in the bank and volatility and it causes hell but maybe since I'm such an old man now that I am 50 years old that I should die coming up and not worry about anything ever. It is impossible here too in Canada to get a house if you are a first time buyer. The prices are very high and all that. Anyway if I could live in a 10 million dollar home I would turn it down because my mind is so closed now. I don't want anything like that.
😁😁👍❤💯
I feel like a million rubles today...
I'm not feeling well 😮
Hello Natasha, Happy New Year
i live in Dubai from long, i like Village houses, planting, farming, can i get a average house with fruit trees in $20,000 please, need your help, pls do reply, i am waiting, thanks
А как же семейная ипотека?)
More lands will make mortgage cheaper. More land to the conquer land.
Regarding your remark about traveling to Russia.....
For me I have made my mind up. I am coming to Russia to live and do what I can to help build the country.
I am sick of the policies in my part of the world (EU). The Olympic games were the last thing I cold handle.
So it is not a question of if I come but when I come... For several reasons I want to wait just a little longer, but no longer than 2 years.
Before that time I WILL come to visit your beautiful country.
Russia is one of the worst places to move to right now. Millions left the country already, but outflow continues. Now even govt controlled media in Russia predicting rather hard times ahead.
В том то и дело, что на оборот . Очень много, иностранцев, переезжают в Россию@@awedsgtsvfcgtre7269
@@awedsgtsvfcgtre7269 I see what you mean.
The people who leave Russia have a glamorous idea of other countries or they wanted to leave the country already and only needed that little nudge.
I was in a number of other countries. Most countries in the world are only good when you have money.
Another point is that EU countries are under control of the EU which gets it's instructions from Washington.
Please do not make the mistake that life is better or more free here. I agree that it may have been like that in the past but it is no longer so.
As I told you in my other comment, I have to live in a small camper. The only alternative is the streets and I have a pretty good income.
A number of EU countries are in recession.
Germany is de-industrializing.
Thousands are loosing their jobs there.
Here in the Netherlands the same fate awaits us because much of our economy depends on the industry in Germany.
Another point is that our society is falling apart. The family values that you still enjoy in Russia, we lost that many years ago.
Times may be difficult in Russia with the inflation and the SMO in Ukraine but Russia will do better. Russia has friends all over the world. You are part of Bricks.
Give it time. Russia will do well.
We in EU...... The EU regime has cut us of from the rest of the world. We have no friends left besides America and even America is feeding on EU, First they stole our cultures and now they are stealing our money. Gas reserves are drained fast.
In fact, without cheap Russian gas people may die because it is too expensive for the elderly. Especially in the countries that are not that rich.
From your point of view, Russia may not be such a good place.
From my point of view I would like to say..... Think again. It might not be so bad after all.
And I did not tell you everything yet.
In the near future more problems will stack up here.
Please stay safe.
❤😊😊
It's weird, Russia is the largest country in the world and they cram workers into small apartments and very tall buildings!
oh, ah, well, lol, wow, wow, yeah, cool, stunning, spectacular, incredible, breathtaking, phenomenal, impressive, remarkable, extraordinary.
1 Russian ruble equals $0.0078. That's less than 1 U.S. penny. Putin is winning? How do parents in Russia feed their kids or keep them warm.