Какой рынок выживет

Недвижимость
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Какой рынок выживет
Технологии меняют все сферы нашей жизни. Еще несколько лет назад никто не мог предположить, что смартфоны потеснят не только другие гаджеты, но даже мобильную связь и переведут все общение в онлайн. На очереди — сфера недвижимости. Мы опросили участников ипотечного рынка, как уже сегодня меняется их деятельность в связи с цифровизацией ипотеки и какие прогнозы они дают.

Одной из обязательных процедур при оформлении ипотеки и вообще покупки недвижимости является ее оценка. Для этого на рынке действует множество оценочных компаний. Каждый банк, который готовится выдать ипотеку под объект недвижимос­ти, предлагает свой список оценщиков — от других компаний оценка при оформлении ипотеки засчитана не будет. Стоимость оценки квартиры обычно начинается от 2 тыс. руб­лей и может достигать 10 тыс. в зависимости от размера объекта и других факторов. Как может трансформироваться этот рынок на фоне процесса уберизации ипотеки и ее активного перехода в онлайн?

По мнению генерального директора компании «АБН-Консалт» Максима Бобырева, оценщики квартир в связи с автоматизацией сервисов вокруг ипотеки вообще могут исчезнуть через два-три года. Он надеется, что этому поспособствует в том числе его стартап Fincase, который автоматически определяет стоимость квартиры и полностью может заменить человеческий труд: «Система собирает большие данные по рынку недвижимости и автоматически определяет стоимость. При этом точность гораздо выше — оценщик подбирает четыре аналога, а сис­тема — тысячи. Плюс можно мониторить в режиме онлайн весь ипотечный портфель банка».

Такой же прогноз Максим Бобырев дает и другим услугам, связанным с ипотекой: «То же самое произойдет с регистрацией сделок с недвижимостью, блокчейн заменит нотариусов». Хотя в этих сегментах, по его мнению, процесс может занять больше времени, поскольку «это серьезное лобби, они будут тормозить внедрение новых технологий всеми силами».

Однако затормозить цифровизацию данной сферы, похоже, уже невозможно, ведь этот процесс плотно связан с развитием других сфер нашей жизни. «В горизонте 10 лет сильно изменится психология потребления и будут появляться новые формы владения недвижимостью — я покупаю 100 кв. м не в какой-то определенной квартире, а виртуальные мет­ры, но я могу получить в пользование эти 100 кв. м в любом городе мира — это что-то среднее между собственностью и арендой. Это называется шеринг-экономика, — предположил Максим Бобырев. — Сильно изменится подход к оценке заемщиков в банках. Цифровой след дает больше понимания по платежеспособности человека, чем базы данных. Анализ социальных сетей, теги, геолокация, группы, запросы — все это говорит о том, какой жизнью вы живете, как одеваетесь, где путешествуете, кто ваши друзья, как дела в бизнесе и т.д.»

Уберизация ипотеки затрагивает рынок риелторов чуть в меньшей степени. «Банки и риелторы — это два сотрудничающих друг с другом сообщества. Риелторы зарабатывают на клиенте, помогая ему продавать жилье, а банки дают кредиты — инструмент для приобретения жилья. При этом не секрет, что риелтор является основным источником привлечения для банков сейчас, — считает вице-президент Тинькофф Банка Александр Емешев, курирующий в банке развитие брокерской платформы «Тинькофф Ипотека». — Хотя по мере развития нашего проекта эта ситуация может меняться».

С одной стороны, риелторы сами пользуются этим сервисом, поскольку он позволяет клиенту дать доступ к личному кабинету своего агента по недвижимости и совершить всю сделку за него. С другой стороны, для клиента облегчен выбор недвижимости с первого шага, и в отношении рынка новостроек в каком-то проценте случаев услуги риелторов окажутся невостребованными.

Пока этот сегмент рынка настроен скорее оптимистично: удобство использования сервисом перекрывает возможные риски. «Мы приняли положительное решение о сотрудничестве, потому что «Тинькофф Ипотека» — это первый в нашей стране сервис, агрегирующий ипотечные программы сразу 11 банков. Он дает много инструментов для удобства и агентов, и клиентов. Для риелтора это, например, существенное сокращение документооборота», — сообщила управляющий партнер «МИЭЛЬ — Сеть офисов недвижимости» Марина Толстик.

Говоря о прогнозах уберизации ипотеки, Марина Толстик упомянула удобство для жителей небольших городов: «Там у граждан нет физической возможности посетить все банки, но имеется потребность в ипотеке. Поэтому электронное рассмотрение и одобрение заявки — это большое удобство».

По ее мнению, рынок цифровизации будет расти: «Ипотечный сервис такого рода — это инструмент будущего, настроенный на молодежь. Современное технологичное поколение невозможно представить без смартфона и интернета, и, естественно, сервис, который действует в Сети и не требует утомительных поездок по банкам, долгого сбора документов, заполнения многочисленных заявок, будет иметь большой успех». По данным «МИЭЛЬ — Сеть офисов недвижимости», доля ипотечных сделок в общей структуре сделок на московском вторичном рынке составляет 46% (по итогам первого полугодия 2018 года). Соответственно, потенциальный ипотечный заемщик — это потенциальный пользователь сервиса «Тинькофф Ипотека».

По мере взросления и рождения новых клиентов старые форматы сервисов будут отмирать, уступая место технологическим новшествам. Сможет ли этот процесс вытеснить целые профессии, связанные с куплей-продажей недвижимости, пока вопрос. Но понятно, что уже в перспективе трех–пяти лет мы можем не узнать этот рынок — уберизация, с этим согласны многие, его серьезно изменит.

Источник: ria-news.ru

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  44. notes.Io

    ‘Every rep goes to return from this hang place,’ says Tracey.
    Subsequent, muscle the bar onto your chest, before pushing
    it above your shoulders. Lower the bar onto the chest after which back into the original hang place.

    You’ll additionally discover one of the best workouts and
    training strategies that will assist you grow weak or underdeveloped
    shoulder muscle tissue. The movements required for the push press and an overhead
    press are similar, with the one difference being that the overhead
    press is just a press with no help from the legs. In terms of particularly focusing on the delts, the overhead press is
    an excellent train.
    Fortunately though, there are numerous superb 
    exercises that you could perform at home, simply by using
    your physique weight. However sadly, if you don’t have weights, these workouts turn into unimaginable to do at home.
    «Folks attempting to bias their traps in this train can use lifting straps and opt for heavier dumbbells,»
    says Saini.
    While pretty controversial; this exercise is a tremendous approach to goal the posterior
    deltoids as properly as the anterior deltoids collectively in one seamless motion.
    This is a raise that requires good kind for one of the best
    outcomes and to keep away from harm. Each Time working the shoulder space muscular tissues, care have to
    be taken to avoid injuring the shoulders. You’ll additionally three completely different
    shoulder exercises (with solely dumbbells) that
    you can do. One exercise might be devoted to shoulders while the opposite 2 exercises
    shall be coupled with different physique elements. While these are overhead presses, they’re generally performed with smaller
    weights with a focus on hypertrophy.
    By flip-flopping the order of the workout routines, you’ll be somewhat stronger on your single-joint actions however a
    bit weaker in your overhead presses, so modify your
    weights accordingly. And whereas some folks could not consider
    them an higher arm muscle, they actually hold plenty of aesthetic worth
    in creating a set of massive arms. If you need that capped look with shoulder muscle tissue that stick out to make a valley with your biceps,
    deltoid coaching is important. Face pulls strengthen rear delts, traps, and rotator cuffs,
    decreasing damage threat and bettering shoulder stability.

    This, after all, will help you get more out of your shoulder training whereas also
    keeping the joint safe. Elevate your arm, sliding it up the wall so it
    moves your torso more upright. When your upper arm is 90 degrees to
    your torso, reverse the movement. Continue performing reps for forty seconds,
    and then change arms and repeat.
    All in all, the goal is to create normalcy in your range
    of motion (which could be in line with the above ranges of motion), not
    to be overly flexible. So just work to realize a
    standard range of movement, nothing more, nothing less.
    After practicing handstand kick ups for a number of weeks, try to do handstand holds for
    max time.
    However it is by no means too late to course right and get essentially the most out of your workouts.
    So do yourself a favor, emulate considered one of, if not the best, bodybuilder ever, and start
    cranking these out during your workouts. Walk you feet higher up
    the wall and as you do stroll you arms in in direction of
    the wall. These exercises – a few of which you might
    have already seen on this page – will assist create wider shoulder and construct that coveted V-shape that you’re after.
    Hold a dumbbell in each hand by your side along
    with your palms facing inwards.
    The more upright stance and decrease physique engagement let you raise
    heavier, resulting in larger entice stimulation. Since this
    could be a high-skill motion, I highly recommend novices search a personal trainer’s help to maximise target muscle stimulation and limit damage threat.
    Lay flat on a bench or the floor with a barbell locked out above your chest (A).
    Bend on the elbows, slowly decreasing the
    bar in the course of your brow, whilst preserving your
    higher arms locked in place, perpendicular to the bench. Cease just short of the bar touching your head (B) before urgent again up explosively.

    This exercise is varied by altering the angle (wide for more shoulder), slender
    (more anterior deltoid and triceps), grip width, and even rotation. All
    choices are good, but it depends what other exercises you are doing in your
    exercise. You can be taught extra about this exercise in our article comparing the
    Arnold press vs shoulder press. You need a lot of shoulder mobility to carry out the squat, deadlift, and bench, but this needs to match by shoulder stability
    also. Balanced shoulder training that focuses on all three deltoids
    will enhance your shoulder stability and improve your performance with the large 3 too.

    Even if you do not have an exclusive shoulder day, work your shoulders first on your upper body workout or urgent day.
    The shoulders are sometimes thrown in with
    the arms, almost as an afterthought. In reality, your deltoids are extremely necessary for efficiency and aesthetics, which suggests they
    have to be handled as a major muscle. The shoulder is an advanced muscle in that it has 3
    totally different heads that every one have distinctive features (we’ll discuss this extra within the subsequent
    section). Subsequently, you should hit the deltoids
    from all instructions to optimize your coaching.
    So, in case you have tried your share of ordinary facet lateral raises and find that you’re nonetheless becoming via most doorways far
    too easily, give the following workouts a try.
    That Is why I at all times include isolated rear delt work in my coaching programs.

    And one of the most effective methods to hit the rear delts is
    one arm at a time—like with one-arm cable rear delt flyes,
    which I lined in the video below. If you are at present
    neglecting your posterior deltoids (aka «rear delts») in the gym, it is time to
    take a page out of the powerlifters’ playbook. Try doing 2-3 units on this style, adopted by 2-3 units done the standard method.
    Or swap this model in every so often for normal lateral raises.

    And that isolation is the bent-over reverse fly,
    which is the dumbbell model of the reverse pec deck machine.
    Hold a weight plate or pair of dumbbells in entrance of your physique.
    With minimal motion from your torso and keep your arms at a exhausting and
    fast angle, increase the plate all the means up, until it’s above your head (B).

    A range of shoulder exercises that strengthen all these muscles is one
    of the best ways to develop a well-rounded coaching plan and construct resilient, sturdy,
    balanced, and meaty shoulders. Ensure you give the other two muscle tissue in your
    shoulders enough attention. The rear delts are a relatively small
    muscle group that’s usually neglected however essential for adding depth to the shoulders.
    Your rear delts stabilize the joint to have the ability to load all three heads of the delt with more weight.

    Remember, with nice energy comes nice duty – on this case, that
    accountability is to not let your ego take over in pursuit of heavier
    weights. Used sparingly, like at the end of a set, to grind out a couple of extra reps than you in any other case could, you won’t cheat yourself out of any gains.
    They symbolize power and are satisfying to train; you see and feel them working.
    That quick suggestions is gratifying and motivates you to push a little more durable.
    I am an expert power & conditioning coach that works with skilled and international groups and athletes.
    I am a broadcast scientific researcher and have accomplished my Masters in Sport
    & Exercise Science.
    Preserving your arms straight, raise the dumbbells till they’re in line with
    your forehead. Convey the dumbbells again down good and sluggish, before exploding again as a lot as the top.
    Stand holding two dumbbells at shoulder peak with an underhand grip.
    Adopt a combating stance and bounce on your toes as you shadow field.

    Stand with your feet shoulder-width aside, and hold a kettlebell in entrance of your shoulder together with your palm
    in, elbow tucked, and the load resting on the top of your forearm.
    Press it straight up, rotating your arm so your palm faces forward.

    Grasp a light resistance band in each palms and
    engage your glutes and abs.
    Right Here are a number of of the explanations you want to embody dumbbells in your arm coaching.
    Proceed on together with your deadlifts, this time unlocking
    your knees (A) to allow your quads to help in the carry.
    Engage your lats and stand upright, ‘pushing the bottom away’
    together with your feet. Your arms ought to be hanging straight all
    through this movement, think of them as hooks. This may be a shoulder specialisation programme, however that’s no excuse to skip leg day; the anabolic hormone release from hitting those quads
    and hams is value it alone.
    Your reps will drop off exponentially and you might end up finishing in sets of 2-3 reps,
    however proceed on this trend until you hit 50 reps, earlier than shifting on to your subsequent movement.
    Make a note of rep breakdowns for every movement and
    try to improve every week. Relaxation minimally between rounds, but guarantee your type stays tight.

    So we have collected our list of the top 8 shoulder workout routines
    that you must try to embrace in your workout. One of the
    most aesthetically appealing muscle teams is your shoulders.
    Nonetheless, constructing spectacular boulder shoulders could be difficult.
    Training shoulders with dumbbells can enhance your physique, enhance
    shoulder energy, enhance posture, and help with bilateral muscular imbalances.
    I program the dumbbell face pull into my athletes’ routine during an influence phase.
    This train directly correlates to higher again power, so engaged on the rounded shoulder physique can additionally be beneficial.

    The dumbbell shoulder press works the same muscles because the barbell model
    but with dumbbells. Genetics also plays a significant function in how your physique responds to
    training. Some would possibly find that their front delts reply well and grow adequately from compound movements alone.
    Others could require focused isolation work for a balanced higher body.
    Lateral raises are the exercise that involves thoughts first once we
    consider exercises that will take a look at
    the energy of our delts. They’re just about completely designed to isolate
    that actual a part of your anatomy. These are, by
    far, probably the most straightforward train you’ll have the ability to add to your
    arsenal if you’re looking to add muscle mass to the width of your shoulders.

    Made up of the Rhomboid Main and Rhomboid Minor, the Rhomboids stretch from the highest
    of the spine in our higher again down between the shoulder blades.

    They help us in contracting (pulling together) our shoulder blades,
    and strength in them in is essential for overhead workout routines and throwing motions.
    A bent-over version with dumbbells is nice, either freestanding or
    with the pinnacle resting on a bench. If you’re hitting the rear pec-deck machine, use a impartial or palms-in grip—not palms-down—to
    maximally activate the muscle.
    And if you don’t want to use weights, take a look at these resistance band shoulder exericses.

    Correct form is essential for optimal growth,
    so take note of how these are performed. It Is hard to beat the looks of bulging biceps, horseshoe-shaped triceps, and
    massively rounded shoulders.
    Now that you’ve a greater idea of how your shoulders works, we can go over one of the best dumbbell workout routines to train them.
    The shoulder joint is a shallow ball and socket joint, which is nice for mobility, however this comes with a high threat of damage.
    Keep in thoughts that this could be troublesome
    should you don’t have experience utilizing dumbbells for reps.

    Begin low and go slow to keep away from damage. Kirk shrugs got
    their name from the guy who first used them, Kirk Karwoski.
    And Gallagher was right, but each found it constructed an enormous yoke
    too. Isolating the neck will provide a great crowning
    glory to a powerful physique and assist assist good head place and better posture.

    Focus on performing the raise in a easy, managed motion,
    bracing your core to stop any momentum from serving to to ‘swing’
    the burden up. Focus on main with your elbow and bringing your arms
    parallel along with your shoulders. Additionally, remember that you hit your
    anterior and posterior deltoids along with your back and chest, so it’s necessary to emphasize lateral delt exercises 
    in your coaching. Another possibility is that you would emphasize your shoulders for a
    time frame. To do that, hit every other physique part 2 instances a week
    after which add a particular shoulder day.
    One of the most effective shoulder workouts for developing large, broad deltoids is actually a back exercise.

    You could want to end your workout with delts after training a bigger muscle, like chest or back.
    Of course, your quantity for shoulders is not going to
    be as a lot on this case.

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