Credit. Is it worth taking now?

Probably, many will agree with me that the previous year was extremely unstable ...
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What do you think, friends, is it worth taking a loan in the current conditions, because the key rate depends on the political and economic situation in the country ...
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Should I wait for an increase in CS? Will the requirements for borrowers change? What will happen next with the terms of loans? I understand that it is impossible to give accurate forecasts, but still.
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Share your thoughts/experiences in the comments 🙏
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Ph: @safronoviv_photo
Md: @_siberianna
Mua: @beautyunderwine
Loc: @wonderstudio
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