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Opportunity cost of capital
The down payment is your most valuable resource. By sinking 3–5 million rubles into a down payment, you deprive yourself of the ability to earn conservative passive income, which at current rates could cover rent.
By putting that money into deposits or bonds, you earn "real" interest that allows you to rent an apartment of any class without becoming a slave to a mortgage contract. This is called financial flexibility.
Free capital gives you choices; real estate only gives you obligations.
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