Эксперты указали на риски изменения закона о банкротстве Поделиться
Законопроект, который аннулирует банковские долги граждан, чье единственное жилье было продано с аукциона из-за долгов, подготовила Генеральная прокуратура РФ. Об этом в своем телеграм-канале рассказала заместитель комитета Госдумы по строительству и ЖКХ Светлана Разворотнева. Вопросы соблюдения жилищных прав граждан обсуждались на совещании, организованном уполномоченным по правам человека. Однако ознакомившиеся с инициативой эксперты весьма сдержанно отнеслись к данной идее.

Фото: duma.gov.ru
Заемщики могут остаться без единственного жилья, если не смогут расплатиться с ипотечным кредитом, напомнила в своей публикации Разворотнева. По её словам, это едва ли не единственный случай, когда у россиян могут забрать единственную квартиру. Депутат уверена, что законопроект, запрещающий выселять из ипотечных квартир даже семьи с детьми, не имеет перспектив. «Но принять хотя бы закон, по которому после продажи квартиры с аукциона у граждан аннулировались долги перед банками просто необходимо, — написала парламентарий. — Подобные истории сегодня встречаются все чаще. Квартиры продаются на аукционе дешевле, чем покупались на рынке, люди остаются без квартир, но с долгами». В этой связи Генпрокуратура и предложила проект закона, который аннулирует данные долги. Разворотнева добавила, что такая практика действует во многих странах. Она выразила надежду, что также будет и в России. Однако на риски данного предложения указали опрошенные «МК» эксперты.
Александра Пожарская, эксперт проекта Народного фронта «За права заёмщиков»:
«Ипотечное кредитование является наиболее распространенным видом кредитования в России, занимая долю свыше 50% в общем «портфеле» граждан. В 2023 году кредиторы взыскали с проблемных ипотечных заемщиков через продажу залоговых квартир 22,23 млрд рублей, что в 1,4 раза больше, чем на протяжении 2022-го (15,85 млрд рублей), в 1,3 раза по сравнению с 2021-м (17,5 млрд рублей).
При этом стоит отметить, что начиная с 2021 года фиксируется тенденция на серьёзный рост стоимости квадратного метра жилья. Это значит, что после продажи залога с торгов и полного погашения обязательств перед кредитором на фоне роста цен на недвижимость у должников образуется остаток, и с каждым годом потенциальный размер этого остатка становится больше. Кроме того, по разным данным, 30-40% залоговой недвижимости, реализованной с аукционов, не является единственным жильём заёмщиков.
С правовой точки зрения, на наш взгляд, инициатива оправдана лишь отчасти. Каждый случай должен рассматриваться индивидуально. С одной стороны, продажа залога — это непрофильный бизнес кредитного рынка. Этим и объясняется заявляемая стоимость лотов на аукционах ниже рынка. Кредитор стремится вернуть деньги, неполученные от должника, снять с баланса этот актив и не начислять на него резервы по ссудным потерям.
С другой стороны, важно выяснить природу возникновения долговой нагрузки. С учётом ужесточения регулирования ЦБ РФ с 2023 года надо понимать, по каким причинам кредиторы одобряли новые заявки заёмщику с высокой долговой нагрузкой и ипотекой в истории. Ипотека — это самый долгий и дорогой из существующих видов кредитования. Для основной массы ипотечников ежемесячный платёж составляет более 50% ежемесячного дохода. Поэтому совершенно неясно с какой стати кредиторы, пренебрегающие рисками невозврата, выдают таким клиентам новые кредиты и должны получать возможность списывать эти долги и снимать их со своего баланса. И нет ли в таких ситуациях признаков недобросовестного поведения как со стороны кредитора, так и должника? В конце концов, банки выдают в качестве кредитов не свои деньги, а деньги вкладчиков. За чей счёт будет происходить списание, если все мы знаем, что любые свои расходы банки привычно перекладывают на плечи клиентов?»
Полина Гусятникова, старший управляющий партнер юридической компании PG Partners:
«Обычно таких людей немного, об этом можно судить хотя бы по количеству судебных дел. До того, чтобы по суду отняли единственное жилье, доходят немногие. Надо понимать, что единственного жилья можно лишиться только в том случае, если оно выступает предметом залога, в остальных ситуациях взыскание на единственное жилье не обращают.
Предложение списывать кредиты граждан, лишившихся квартир из-за долгов выглядит странно, необоснованно и противоречит действующему законодательству о банкротстве. В данном случае имеется в виду та категория граждан, которая, не имея ничего — нормального дохода, подушки безопасности, другого имущества, набирает кредиты, в том числе и на покупку жилья, а потом не может с этим справиться. То есть это люди, которые в принципе не могли просчитать собственные риски. Почему государство должно их защищать, когда у нас есть огромное количество социально незащищенных категорий, те же пенсионеры или инвалиды, непонятно.
Согласно закону о банкротстве, такие долги все равно будут списаны в том случае, если гражданин действовал добросовестно, то есть на момент получения кредита у него не было оснований сомневаться в том, что он вернет долги. Если же человек действовал недобросовестно, с целью набрать кредитов и уйти в банкротство, то зачем его дополнительно защищать? Поэтому, я считаю, что нет никакой необходимости вносить изменения в действующее законодательство о банкротстве».
Григорий Начинкин, руководитель департамента продаж компании «РАД»:
«Практика подобной нормы активно используется при банкротстве, потому что в этом случае физическое лицо невозможно лишить его единственного жилья. Государство не позволяет остаться на улице людям, даже с плачевным финансовым состоянием. В случае с ипотекой очевидно, что в высоком ценовом сегменте это очень редкая история, когда единственное жилье является ипотечным залогом. Поэтому норма призвана помочь слоям населения с не самым высоким уровнем дохода. И в то же время вполне вероятно, что банковская сфера будет против, ввиду того, что основные риски и потенциальные убытки будет нести она. Особенно учитывая высокие показатели объемов выданных ипотечных кредитов по льготным программам кредитования. Результатом может стать ужесточение скоринговой политики банков при выдаче ипотечных кредитов».
















































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Sermorelin, Ipamorelin, and CJC-1295 are three peptides that have gained popularity in the fields of anti-aging, athletic performance enhancement, and clinical research for their ability to stimulate growth hormone secretion. Each peptide has its own unique profile, but when comparing CJC-1295 with Ipamorelin it is essential to examine their pharmacodynamics, potency,
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—
Mechanism of Action
Both CJC-1295 and Ipamorelin act as growth hormone secretagogues (GHS), but they target the pituitary
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CJC-1295
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Because CJC-1295 mimics GHRH while Ipamorelin acts through the ghrelin pathway, their downstream effects on GH and IGF-1 production differ in timing and intensity.
—
Overview of CJC-1295
Chemical Profile
Peptide length: 29 amino acids.
Contains a glycine residue at position 3 that mimics natural GHRH.
Pegylated variant (CJC-1295 DAC) attaches a 40 kDa polyethylene
glycol chain to reduce renal clearance.
Clinical and Research Uses
Growth Hormone Deficiency: Used in clinical trials to replace GH in patients
with congenital or acquired deficiencies.
Anti-Aging Therapy: Administered by some anti-aging clinics to promote tissue regeneration,
collagen synthesis, and improved sleep architecture.
Athletic Performance: Popular among bodybuilders for its
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recovery.
Pharmacokinetics
Half-life: 8–12 hours (pegylated).
Peak plasma concentration occurs ~4–6 hours post-injection.
Sustained GH release leads to higher IGF-1 levels for
up to 24 hours.
Side Effects & Safety
Generally well tolerated; mild injection site reactions are most common.
Rare cases of transient edema or headache reported in early studies.
No significant impact on appetite, mood, or cortisol when used within recommended
dosages (10–20 µg/kg/day).
Overview of Ipamorelin
Chemical Profile
5-mer peptide: H-Lys-D-Ala-Gly-Trp-NH₂.
Designed to be selective for the GHSR-1a receptor, minimizing cross-reactivity with other receptors.
Clinical and Research Uses
GH Deficiency Treatment: Investigated as an alternative to recombinant GH in patients who cannot tolerate injections or have contraindications.
Weight Management: Due to minimal appetite stimulation, it is sometimes used in combination protocols aimed at
preserving lean mass during caloric restriction.
Sleep Improvement: Studies suggest improved sleep quality and duration due to elevated IGF-1 levels.
Pharmacokinetics
Half-life: Approximately 30 minutes.
Rapid onset of action; peak GH rise occurs within 15–20 minutes after injection.
Requires twice-daily dosing (morning and evening) for sustained effect.
Side Effects & Safety
Mild local reactions at injection sites are common.
No significant changes in appetite, cortisol,
or insulin sensitivity reported in human trials.
Generally considered safe even at higher doses due to its receptor
selectivity.
CJC-1295 vs. Ipamorelin: Which Is Better?
The answer depends on the specific objectives, dosing convenience,
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Feature CJC-1295 (Pegylated) Ipamorelin
Half-Life 8–12 hours ~0.5 hour
Dosing Frequency Once daily Twice daily
Peak GH Response Moderate, sustained High, pulsatile
IGF-1 Increase Larger, more prolonged Smaller but still significant
Appetite Effects None None
Weight Gain Potential Higher due to IGF-1 Lower; minimal appetite stimulation
Safety Profile Mild injection site reactions Similar,
with fewer systemic concerns
Use Case: Anti-Aging Strong anabolic and regenerative effects Useful for lean mass preservation during dieting
Use Case: Athletic Performance Rapid muscle growth and recovery Supports endurance and maintenance of muscle
Practical Recommendations
For Maximizing Growth Hormone Secretion Over a 24-Hour Period
— CJC-1295 is superior because its long half-life ensures continuous
stimulation, leading to higher IGF-1 levels which are critical for protein synthesis and tissue repair.
When Dosing Convenience Is Key
— A once-daily injection of CJC-1295 reduces the
burden of multiple daily injections, making it more suitable for patients who prefer minimal routine.
For Lean Mass Preservation During Caloric Restriction
— Ipamorelin’s negligible appetite stimulation makes it a
safer choice when trying to maintain muscle while losing fat.
When Concerns About Potential Weight Gain Exist
— Ipamorelin is preferable due to its lower propensity for increasing body
weight or adiposity.
In Clinical Settings Requiring Precise GH Dosing
— CJC-1295’s predictable pharmacokinetics allow for easier titration of IGF-1 levels in patients with GH
deficiency.
Cost and Availability
— Both peptides are available from reputable compounding
pharmacies, but the pegylated form of CJC-1295 often costs slightly more due to its complex synthesis.
Conclusion
CJC-1295 and Ipamorelin each offer distinct advantages as growth hormone secretagogues.
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Ipamorelin shines in scenarios where appetite must remain stable, weight gain should be avoided, or a shorter, more pulsatile GH release is desired.
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10–30 mg/day.
This modification allows the steroids to move
by way of your liver intact and enter your bloodstream, where they shortly start telling your muscle tissue to develop.
In contrast, whenever you swallow most steroids, an enzyme in your liver referred to as 17beta-hydroxysteroid dehydrogenase (17beta-HSD) breaks them down. Even should
you took a whole bottle of testosterone tablets, only
a tiny fraction would enter your bloodstream—probably not
enough to fail a drug take a look at. It does this by decreasing
levels of sex-hormone binding globulin (SHBG) in the blood.
In apply, we see testosterone resulting in slightly less weight gain than Dianabol, however it will construct an identical amount of lean muscle tissue.
The other primary distinction is that testosterone has a stronger reaction with the 5α-reductase enzyme, resulting in heightened ranges of DHT (3).
Nonetheless, due to modifications in chemical construction,
totally different steroids produce different outcomes in regard to physique composition and athletic performance.
According to a examine printed in Drug and Alcohol Dependence, teenagers who use the medication throughout puberty are
prone to endure extra extreme cognitive long-term results of steroids.
Research demonstrate that anabolics have
an effect on the areas of the mind that regulate learning and
emotions.
Subsequently, Anavar and other anabolic steroids should be taken on an empty stomach for optimum
results. If a person is stacking Anavar with harsh compounds,
they might incorporate the above protocol. Nevertheless, if a
person utilizes an Anavar-only cycle, taking certainly one of these PCT medicine alone is
prone to be more than sufficient in restoring endogenous testosterone manufacturing promptly.
This is partly brought on by it lowering DHT
ranges, which is essential for nitric oxide production and blood
move contained in the penis. As Soon As someone has cycled Anadrol before and desires to take a
stronger stack, however without much more unwanted effects;
Deca Durabolin is a worthy addition, as it’s a gentle compound.
Bradley is considered taking Deca due to his big, thick muscular tissues which
deca is legendary for creating. And with deca you won’t retain a
lot water both, making it a very aesthetic steroid, good for ‘lean bulking’.
Folks on Dostinex often report very strong erections and their libido going through the roof (having multiple orgasms throughout intercourse).
Dostinex is a drug used to treat hyperprolactinemia (when there’s too
much prolactin in the bloodstream). Deca additionally reduces DHT, an important hormone for
erections; as a result of it rising nitric oxide production contained in the penile tissue, sparking morning
erections.
Dbol additionally increases intracellular water retention, which is confirmed to extend muscular power and practical performance (1).
When it involves putting on muscle mass for a bulkier look,
Anadrol is one steroid that stays on the must-have record of most
bodybuilders. Not Like some other steroids on the record which are essentially diuretic
in nature, Anadrol is estrogenic, thereby causing extra water retention by the muscle cells.
The formation of male breast tissues, or «man boobs,» as they’re generally identified, is triggered because
of gynecomastia. This course of happens when the testosterone from anabolic steroids enters your physique and converts
into estrogen via a chemical reaction often recognized as aromatization. Muscle production is mostly
credited to testosterone or the «t-hormone» produced naturally by the human physique.
Though you probably can enhance its stage by following an excellent food plan and getting
an adequate quantity of relaxation, the advance within the hormone
stays fairly restricted.
In easy terms, Clomid helps improve testosterone
by tricking the brain into considering there’s less estrogen. When this happens,
the brain sends stronger alerts to the testes to ramp up testosterone production. In theory,
RAD-140’s tissue selectivity ought to prevent any androgenic
side effects, which are portrayed in animal analysis [37].
Nonetheless, its oblique impact on natural testosterone changing to DHT could also be problematic for human users.
Though RAD-140 doesn’t aromatize, it can still elevate estrogen levels through
a different pathway. When SARMs are administered, they begin to compete with a user’s pure testosterone for binding to the androgen receptor.
SARMs win this battle because of their superior binding affinity, leaving more free testosterone to convert
to estrogen or dihydrotestosterone (DHT), consequently elevating both of these hormones.
In adolescents, steroids could cause untimely ageing and stunted growth.
Testosterone is liable for the physical changes that
occur throughout male puberty, and it regulates sperm manufacturing, bone health, muscle mass and sex drive.
Dianabol delivers unmatched muscle development pace when used appropriately.
A 1971 research in the Journal of Scientific Endocrinology confirmed important nitrogen retention increases with Methandrostenolone
use [1]. Authentic before/after photos present dramatic shoulder development within 4 weeks.
Trenbolone is considerably more androgenic than Dianabol;
thus, oily pores and skin, pimples, and hair
loss are more widespread with trenbolone. Trenbolone
isn’t C-17 alpha-alkylated, so it’s not thought of
a hepatotoxic steroid in reasonable doses, in contrast to Dianabol.
These fats are like a buffet for bacteria that’s normally latent in the pores and skin, and the micro organism thrive.
Their banquet produces extraordinarily inflammatory finish merchandise within the skin follicles, resulting in the irritation attribute of zits.
When it involves energy sports activities, together with bodybuilding, powerlifting, and
Olympic weightlifting, anabolic steroids are extensively used
to increase muscle mass, strength, and power output (5).
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Enclomiphene has fewer side effects for so much
of customers and may even be higher at testosterone
restoration. Deca-Durabolin or NPP (both Nandrolone steroids) stacked
with Testosterone Cypionate is a tried and examined stack
with wonderful potential for outcomes. Each these AAS are slower-acting, so persistence is required to see results.
Optionally, you could think about including an oral AAS
like Dianabol for the first few weeks to kick things off
sooner. How far more you’ll be able to raise will greatly depend upon what degree you’re already at,
but breaking private records must be expected.
At the upper finish, you’ll find yourself capable of lift 40lbs, 50lbs, or even more than before.
Testosterone Cypionate customers will typically also expertise wonderful muscle pumps.
Maintain in mind that Nolvadex isn’t helpful for mitigating other types of estrogenic
side effects besides gynecomastia. If longer-term use is required (2-3
months) to reverse extra superior gyno,
Raloxifene is understood to be protected for use over this era.
HCG is a hormone15 that can assist reverse or stop some of the more
serious side effects we see with steroid use, just
like the shrinking of the testicles and the potential infertility that
comes together with reduced sperm production16.
Sometimes, if you use Testosterone Enanthate at 500mg weekly (a commonplace dosage), it
may possibly take well over one month on your blood levels to achieve the point of 500mg of
the steroid. Growing the dose is not always the finest option because you’ll have extra unwanted effects.
Your steroid cycle structure would possibly need to incorporate both a kickstarting compound or the process of frontloading.
Hundreds of thousands of people have already labored out the easiest
way to use them, so there’s little cause to attempt to reinvent the wheel.
Amongst AAS users there might be the idea that AAS would possibly
cause gynecomastia via various pathways, such as increased progestin motion on the
mammary glands or increased prolactin levels.
Whereas gynecomastia can develop in sufferers with hyperprolactinemia, the situation arises secondary to the
gonadotropin suppression prolactin could cause (203).
Such practice must be discouraged as a outcome of it is
illogical and produces possible unwanted effects such as
cardiac abnormalities or arrhythmia. Elevated progestin action on the mammary gland can also be very
unlikely to be a reason for AAS-induced gynecomastia.
AAS do not increase progesterone ranges and solely a select few show important progesterone receptor activation (205).
Hair loss is, sadly, a well-known and often anticipated side impact when using sure
steroids. If you’re genetically predisposed to male pattern baldness (check out your father or grandfathers),
your chances of suffering this facet impact are high. Extra water retention is a dead giveaway to anybody who’s using steroids.
It also raises your danger of high blood pressure, so it’s more than simply
an aesthetic nuisance32. Larger doses of any of these steroids will naturally raise your
danger of gyno. A lack of SERM or AI in the cycle
for mitigation is a certain certainty of gyno development.
In different words, you don’t must worry gyno if you’re prepared to
learn and simply put in place some common-sense measures that are tried
and tested amongst thousands of bodybuilders.
These much longer advanced cycles that stack a number of steroids
are advanced cycles. Females who develop virilization are always advised to stop use instantly so these effects can subside and disappear.
This catabolic hormone WILL cause you to lose muscle unless you include
an anabolic compound within the cycle. But when you still intend
to make use of it alone and don’t thoughts a bit of muscle loss and fats,
starting at the lowest pill dose of 25mcg day by day is the greatest way to
go.
So, what I’ve supplied above is a tenet that may only be used as an important
information. I’m usually discovering new and better ways to do things, like altering doses
barely or timing, and so on. These specifics are actions we can solely actually experiment with ourselves,
and TAKE NOTE of the professionals and cons of every thing you try.
Consequently, water retention and gynecomastia are possible unwanted
effects. Throughout testosterone administration, researchers report that the pituitary gland alerts the testes to stop producing pure testosterone, contributing to hypogonadism (testosterone deficiency) (3).
This course of occurs because of supraphysiological ranges
of serum testosterone and the body trying to maintain homeostasis.
Testosterone is androgenic; thus, we generally observe prostatitis (inflammation of the prostate), zits vulgaris, and male pattern baldness in patients.
Nolvadex has the good thing about a decreased danger of great side effects in comparability with Clomid.
The Steroid Conversion Calculator operates by permitting customers
to enter specific values of varied steroids, which might then be converted into corresponding dosages in numerous
models or forms. The interface is designed to be user-friendly,
making it accessible even for people who will not be tech-savvy.
Doping with erythropoietin might elevate the risk of great health problems.
A health care provider can prescribe human development hormone for some health causes.
Be Taught how these drugs work and how they’ll affect your well being.
One issue at doses above 200mg of testosterone is potential aromatization. You don’t need that when cruising because utilizing AIs Anadrol for powerlifting the long
term comes with risks. It’s higher to reduce your testosterone dosage slightly until you discover
aromatizing effects subsiding. No extra external testosterone
comes in, and none (or very little) is produced naturally.
PCT tides you over till pure testosterone starts being produced once
more by getting the process occurring faster than it otherwise could.
Without PCT, you’re often taking a glance at months until full recovery whereas suffering horrendous low testosterone
symptoms. Whereas it poses zero harm to your physical well being, thinning or hair
loss on your head can zap your shallowness when you’re a younger man.
The use of Trenbolone not only encourage users to build muscles, however may
even aid in accelerating fats loss while preserving muscle features.
Trenbolone is an active formulation that doesn’t trigger any water retention. As A Substitute, it creates a very dry and ripped body
with hard lean muscle mass. Despite being primarily used as a mass and muscle constructing
compound, it additionally helps the physique to realize a ripped look.
Finally, the pump you chase in the fitness center is fueled by more than blood flow—it’s driven by
stability. When electrolytes are aligned, your physique responds with power, endurance, and resilience.
That’s the science behind the pump—and the secret to building a physique
that performs as powerfully as it appears. ThaThat’sw you keep your blood level at a higher stage for the entire day,
and you may work out longer.
It can be suggested that no different C17-aa steroid be used for a minimal of 6-8 weeks after discontinuing Oral Turinabol.
Men may also find Oral Turinabol stacks well with any and all
anabolic steroids but shouldn’t be used along side one other C17-aa steroid.
On a structural basis Oral Turinabol seems to carry no androgenic activity however the complete info we have at
our disposal is inconclusive. As the steroid is now not manufactured
legitimately and possibly never shall be again, more than probably its androgenic nature could all
the time stay a slight thriller.
Tamoxifen (Nolvadex) seems to be the simplest drug, based on analysis (12) and our experience.
Nevertheless, anti-estrogens are usually thought of a gentle remedy for gynecomastia.
According to 2018 statistics, the typical cost of gynecomastia surgical procedure is $3,824 (13).
Widespread AIs used are anastrozole and letrozole; however, we find them to cut back estrogen at the expense of worsening blood
strain ranges. Dianabol is also thought-about a ‘wet’ steroid
as a outcome of its ability to trigger water retention.
Fluid retention accumulates differently on Dianabol in comparison with Anadrol, with serum
testosterone being transformed into estrogen (via the aromatase enzyme).
Every choice aims to provide effective muscle progress with minimal dangers, specializing in the steroids
with the least unwanted facet effects.
NEW YORK, April 24, (GLOBE NEWSWIRE) — The greatest oral steroids aren’t just about dimension —
they’re about efficiency, energy, and pushing your body beyond its current limits.
Whether Or Not you’re a powerlifter aiming for brand new
PRs, a CrossFit athlete chasing useful positive
aspects, or someone merely tired of hitting plateaus in the
gym, strength-based steroids can be a game-changer. Injectables suppress the hypothalamic-pituitary-gonadal (HPG) axis, similar to orals.
Most orals suppress natural testosterone manufacturing and, in aromatizing
compounds, may cause estrogen-related unwanted side effects.
There may be plenty of misunderstanding about how drug
testing for steroids and performance-enhancing medicine works.
Many assume it’s a easy matter of supplying a urine (or blood) sample, having the sample despatched to a lab, and being put via
a machine that magically detects each substance. Fortuitously for athletes and bodybuilders, however not so
fortunately for anti-doping authorities, it is
removed from such a simple and primary course of.
It was advised that the vascular endothelial development factor (VEGF) may play
a role within the mechanism involved in skeletal train adaptation. VEGF expression was reduced in rats who underwent ND administration and that is possibly related
to MMP-2 activity dysfunction, since MMPs are involved within the regulation of VEGF extracellular stores [97].
Furthermore, the decreased expression of VEGF might play a job in skeletal harm as a result of AASs, as
a consequence of poor reworking and poor vascularization [97].
The morphology and the organization of collagen fibers could additionally
be modified by bodily activity.
In these cases, you probably can count on much higher stress on the liver, probably inflicting everlasting
injury. Liver assist dietary supplements may help provide some safety to your liver when utilizing Anavar or other steroids.
Signs can be widespread and serious and can embody fatigue,
despair, low libido, loss of muscle, and fats achieve, to call just some.
Masteron is right for working for an entire cycle, while Anavar is finest used as a ending steroid within the last weeks.
Simply as with Winstrol, Masteron typically leads
to a higher stage of vascularity and a grainer appearance than Anavar does.
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