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Channel

Кредиты: Academy of Finance

@creditacadem

On this record: Topic · Growth · Engagement · What this channel posts · Reactions · Posts · Polls · Citations · Cite this entry

1,640subscribers

+216 since we began measuring on 21 August 2026

Risers and fallers across the register · movement among entries of 1,000–3,162.

Register entry

Telegram ID-1002050796639
TypeChannel
Username@creditacadem
CreatedBetween 1 November 2023 and 31 May 2024 — estimated from Telegram’s id allocation, not measured. How this range is calculated.
First recorded21 August 2026
Last confirmed live16 September 2026
Measurements held8
Confirmed unchanged1 time, most recently 16 September 2026
On Telegramt.me/creditacadem

Topic

Real estate — a classification, not a measurement. An on-box language model (Qwen3.6-35B-A3B-FP8, prompt version 1) read this channel’s own recent posts on 17 September 2026 and assigned it the closest of 31 fixed categories, at 55% confidence. This is a model’s judgement about what the channel is likely to be about, not a fact this register measured the way a subscriber count or a view count is measured — it can be revised on a later pass, and it carries no weight anywhere else on this page. How this classification works, and why it has no browse page of its own yet.

Growth

1,4241,6641,54421 August 2026 — 1,424 subscribers22 August 2026 — 1,660 subscribers25 August 2026 — 1,662 subscribers28 August 2026 — 1,659 subscribers31 August 2026 — 1,643 subscribers8 September 2026 — 1,664 subscribers12 September 2026 — 1,643 subscribers16 September 2026 — 1,640 subscribers1,64021 August 202616 September 2026
8 measurements spanning 26 days, net +216. Dots are measurements; the straight line between them is drawn to join them, not to claim we know the path taken in between — snapshots are recorded only when a count changes, so gaps mean “no change observed”, never “interpolated”. The vertical axis spans 1,388–1,700 and does not start at zero.
Measurement log — every subscribers count we have recorded
Measured (UTC)SubscribersChange
16 Sept 2026, 05:211,640-3
12 Sept 2026, 17:391,643-21
8 Sept 2026, 07:181,664+21
31 Aug 2026, 06:041,643-16
28 Aug 2026, 16:421,659-3
25 Aug 2026, 14:451,662+2
22 Aug 2026, 21:241,660+236
21 Aug 2026, 13:151,424first reading

Engagement

11 posts held, back to 15 May 2026the reader has not yet reached the start of this channel’s public history, so older posts may sit further back, unread. Read across 1 page of Telegram’s post history, 20 posts per page.

Nothing published in the last 30 days. ERR and ER are rolling 30-day measures, so there is nothing to compute — we hold 11 posts for this entry, the most recent from 18 August 2026. An engagement rate over an empty window would be a number about nothing.

What this channel posts

Video runtime
54m 38s
Average length
54m 38s

Measured directly from 1 video with a duration reading, out of the posts we hold for this channel — not this channel’s whole posting history, only the sample this register has actually read. An exact reading to the second, taken from the post itself rather than from Telegram’s own rounded chrome, so it carries no mark.

Reaction mix

125 reactions across 10 posts, in 6 distinct kinds. The most used accounts for 35.2% of them.

Every reaction kind recorded on the sample, most used first
ReactionCountShareShare, drawn
🔥4435.2%
3931.2%
👍3124.8%
💊54.00%
💯54.00%
🤯10.8%

No sentiment is inferred, and none should be read in. This table is ordered by count and by nothing else. Emoji do not carry stable meaning across languages or communities — 🙏 is thanks in one channel and mourning in another — so we publish which ones were pressed and how often, and pass no judgement on what an audience meant by them.

Precision. Telegram publishes reaction counts per emoji and short-forms each one — 4.34K, 1.2M — so any single kind at or above 1,000 reaches us at three significant figures, and only counts below 1,000 are exact. The shares above are ratios of those figures and carry the same error. This is also why the total here can differ slightly from a reaction total printed elsewhere on the page: both are sums of the same rounded parts, taken over samples with different edges.

Coverage. Reactions were read on 10 of the 11 sampled posts in this sample. Summed by Telegram’s own count on each post — not by adding up the per-emoji breakdown above — those same posts carry 125 reactions in total: the kind of figure the paragraph above means by “a reaction total printed elsewhere on the page”.

Measured over the 11 most recent posts we hold, published 15 May 2026 to 18 August 2026, using the newest reading held for each. Telegram Stars are excluded: they are a payment, not a reaction, and they have their own section.

Recent posts

18 Aug 2026, 14:26 UTC243 views18 reactionsread 21 August 2026
Photo

45 МИЛЛИОНОВ ЗА 3 ДНЯ! 💣 или как мы спасли клиента от жёстких штрафов (хоть наша сделка в итоге не состоялась) Классическая «альтернатива»: наш клиент продаёт свою квартиру и сразу покупает новую — побольше и подороже. Покупатель на его объект есть, новая квартира выбрана, оформление идёт через нотариуса — всё максимально надёжно. Уже подписана сделка на покупку, и нотариус открывает депозитарий. Туда нужно заложит

👍114🔥3

29 Jul 2026, 12:48 UTC491 views6 reactionsread 21 August 2026
Photo

Почему с залогом можно получить отказ? В сделке с залоговым кредитованием можно получить отказ по заемщику и/или объекту Причины отказа заемщику: • Активные просрочки — не все банки готовы рассматривать клиента с просрочками даже с ликвидным залогом, но иные кредитные организации одобрят • Микрозаймы — для банка это часто стоп, поэтому необходимо временно прокредитоваться у инвестора, а через 4–6 платежей переходит

🔥32👍1

21 Jul 2026, 08:01 UTC573 views7 reactionsread 21 August 2026
Photo

Предприниматель предпринимателя видит издалека Я, как собственник бизнеса, сама беру клиентов. Мне нравится процесс работы, и это помогает лучше чувствовать и клиентов, и сотрудников. Зашел в работу клиент, звоню, общаемся, получаю документы. Цель — пополнение оборотных средств Причина — кассовый разрыв Кто виноват — заказчики Кто несет ответственность — наш клиент Ситуация: Текущая нагрузка на физлице: 40 кредит

🔥42💯1

2 Jul 2026, 11:58 UTC694 views15 reactionsread 21 August 2026
Forwarded from @academy_ipotekPhoto

Мы справились 💪🔥

👍12🔥21

2 Jul 2026, 11:58 UTC408 viewsread 21 August 2026
Forwarded from @academy_ipotekPoll

Работали с банком БЖФ?

  1. Да, работали23%
  2. Нет, не доводилось77%

Shares as published. No per-option vote count is published by Telegram, so none is shown.

2 Jul 2026, 11:58 UTC653 views16 reactionsread 21 August 2026
Forwarded from @academy_ipotekPhoto

А теперь рассказываю, к чему этот вопрос. К нам в работу пришел очень показательный и, честно говоря, жутковатый кейс на рефинансирование. 📉 История одного «заложника» У клиента есть действующий кредит под залог недвижимости в БЖФ на сумму 6,7 млн рублей (почти 7 миллионов). Изначальная ставка была 25% годовых, а ежемесячный платеж составлял 130 000 рублей. Клиент допустил просрочку. Что делает банк? В односторонне

12👍2🔥2

8 Jun 2026, 12:34 UTC≈1,380 views18 reactionsread 21 August 2026
Photo

Разница между «сам» и «с брокером» — в цифрах Наш клиент пытался получить кредит самостоятельно. ❌ Банк одобрил 99 999 ₽ под 49,9% годовых. ✅ Он обратился к нам. Мы добились одобрения 1 927 000 ₽ под 22,3% годовых. Разница — почти в 20 раз по сумме и в 2 раза по ставке. Причина - банки не заинтересованы давать вам лучшие условия — они заинтересованы в своей прибыли. Решение - мы видим ваш портрет заемщика и знае

🔥115💯2

25 May 2026, 12:46 UTC≈1,780 views12 reactionsread 21 August 2026
Photo

Можно ли вернуть страховку по кредиту, если прошло 30 дней? А если кредит закрыт? Да. И не только в первые 30 дней. Во многих случаях страховку можно вернуть, даже если: • кредит уже закрыт; • вы все еще платите кредит; • с момента оформления прошло больше 30 дней. При обращении в нашу компанию вы можете получить бесплатную консультацию юриста по страхованию. Что нужно от вас: • кредитный договор; • либо скриншот

🔥73💊2

23 May 2026, 11:26 UTC≈1,300 views15 reactionsread 21 August 2026
Photo

Свежие выдачи беззалоговых кредитов на 3 млн, 1.8 млн и 3.8 млн ₽ Кредитуем физ лиц и бизнес 👌🏼 Для расчета, сколько сможем выдать Вам - @academy_of_finance_info

🔥121💊1💯1

19 May 2026, 11:16 UTC≈1,280 views17 reactionsread 21 August 2026
Photo

Зачем брать кредит под залог, если можно подать обычную заявку? Вопрос очень логичный, но реалии рынка таковы, что в залоговом кредите часто можно получить больше сумму, ниже ставку и комфортнее ежемесячный платёж, чем по беззалоговому варианту. И самое главное — это рабочий инструмент, когда нужна не “какая дадут”, а действительно крупная сумма на адекватных условиях. Показываю 3 реальных кейса по кредитованию по

9👍5💊1💯1🤯1

15 May 2026, 09:28 UTC≈1,160 views1 reactionsread 21 August 2026
Video

🔥 Запись эфира о банкротстве и кредитах уже в канале! Разобрали самые важные изменения и реальные кейсы 2026 года Спикерами эфира выступили: — Федюшин Виктор @Victor_bfl Эксперт по банкротству физических лиц — Александра Анастасьева Кредитный брокер 📌 Кому теперь могут отказать в списании долгов? Почему суды и банки начали внимательнее проверять заёмщиков и на что сейчас обращают особое внимание. 💳 Почему кредиты,

💊1

Showing the 11 most recent of 11 posts we hold for @creditacadem. View and reaction counts are the latest single reading for each post, not a live figure, and a recent post is still accumulating both. A view count marked was rounded by Telegram before we ever saw it — t.me prints views in full below 1,000 and to three significant figures above, so ≈1,200,000 means somewhere between 1,150,000 and 1,249,999. Unmarked counts are exact. Text is reproduced from the public post preview and truncated for length.

Polls

The poll we hold for this entry, as Telegram rendered it when we read the post. A poll’s figures keep moving after that, so each one is dated.

2 Jul 2026, 11:58 UTCAnonymous Poll48 voters

Работали с банком БЖФ?

  1. Да, работали23%
  2. Нет, не доводилось77%

Shares as published. No per-option vote count is published by Telegram, so none is shown.

Percentages only — there are no per-option vote counts here, because Telegram publishes none. The public post preview gives each option’s share and a single voter total, and nothing else. Multiplying one by the other would produce a per-option tally that looks measured and is not: the shares are rounded to whole numbers before we ever see them. We print what was published and leave the column that does not exist empty.

The shares need not add up to 100. Rounding alone puts many polls at 99 or 101. A poll that allows more than one answer per voter runs well past 100 by design, and several here do. The bars are drawn against a fixed 100% track at each option’s own percentage rather than normalised to the total, so a poll that exceeds it shows that it does instead of being quietly rescaled.

Read from the 11 most recent posts we hold, published 15 May 2026 to 18 August 2026. Telegram labels each poll by kind — an anonymous poll, a quiz, a closed set of final results — and that label is reproduced rather than paraphrased.

Forward network

Republishes

Channels on the register whose posts this channel has forwarded.

Built only from forwarded posts we have actually read, on both sides. Coverage is early and deliberately incomplete: a missing link means we have not read the post that would prove it, never that the relationship does not exist. Counts are distinct forwarded posts observed, so they only ever go up as we read more.

Cite this entry

A live page changes as we take new readings, so a citation should name the measurement it is based on, not just the URL. The line below cites the subscriber count as measured 16 September 2026 — this entry's latest reading, not the date you are reading this.

“Кредиты: Academy of Finance” (@creditacadem), 1,640 subscribers as measured 16 September 2026. Telegram Register, tgregister.com/channel/creditacadem.

Full measurement history, CC BY 4.0. Every reading this register holds for this entry, not just the latest one, as a dated, downloadable record: CSV · JSON. Free to use with attribution to tgregister.com. Each file carries its own generation timestamp, which is the figure to cite for exactly when the data was retrieved.