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.

Fair enough, I am looking into buying PC only as a server, but as I am kind of migrant still trying to settle down it will be somewhere in 2025, if not 2026. And right now laptop + phone cover basically all my needs i.e. work, gaming, reading, surfing the web, interacting with the local government. Not to mention that it is much easier to get around with those compared to the headache that is moving PC :)

And from my experience most PC users now are either people who bought it 10+ years ago and they just still have it, or people really invested into AAA gaming. Everyone else has combination of smatphone and tablet/laptop.