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, the far eastern mortgage was expanded to the arctic zone. let's look at the map: these are the murmansk region, the ninets autonomous okrug, the yamal nenets autonomous okrug, the republic of karelia. and kome, arkhangelsk region and krasnoyarsk territory, in certain settlements that are part of the arctic zone, plus some settlements points of the republic of sakha, yakutia and chukotka autonomous okrug. who can apply for a preferential loan? young families in which both spouses are not older than 35 years. single parents with a child under eighteen, those who moved to the arctic under regional programs to increase labor mobility, and also program participants. arctic hectare, teachers and doctors who have worked in the arctic for at least 5 years, and finally, forced migrants from the territory of ukraine, lpr and dpr who are now living in one of the arctic regions. now about the conditions of the arctic mortgage. the

loan rate will not exceed 2% per annum, and you can get up to 9 million rubles for it. term up to 20 years, down payment from 20% of the cost of housing. what can you buy? in a house under construction or in a finished house from a developer, an individual residential house under construction from a developer under an equity participation agreement, or a finished cottage from a legal entity or individual entrepreneur who is the first owner. build an individual residential building yourself or with with the help of a contractor, you can buy a plot of land for such construction; you can purchase secondary housing in rural areas and single-industry towns from the government’s list. secondary housing. can be purchased in the territory of rural settlements, in single-industry towns, as well as in the territory of the magadan region and tyuskogo autonomous okrug, citizens who urgently left other territories and arrived in the territory of the far eastern federal district and the arctic zone and

can purchase secondary housing throughout the territory where the program. important moment, the cost per square meter should be... higher than the regional average, the standard is set by the ministry of construction every quarter. if you decide to take out an arctic mortgage, you will need a generally standard set of documents, this is a passport, a copy of the work book, an employment contract, a certificate of income withheld amounts of tax, formerly called 2 personal income tax, it can be obtained from the employer, snils. the list should be clarified with the bank. depending on which category it belongs to. the potential borrower may require additional documents, this could be a marriage certificate, a birth certificate for children, or a copy of an employment contract, which confirms participation in the labor mobility program, a migration

card, and other documents. which bank should i contact? there are 20 of them in the program, including the largest list can be viewed on the domf portal. a few more useful facts about the program. it is valid until december 31, 2030 . you can use maternity capital as a down payment or use it for early repayment. if if you already own a home, this will not prevent you from becoming a participant in the program. you can take advantage of a far eastern and arctic mortgage only once in your life. and one more important condition: registration in the arctic region will not be required in advance, because the program. and sets itself the goal of stimulating relocation, but you will need to register at a new address within 270 days and have a valid residence permit there for 5 years, otherwise the bank has the right to revise the terms after the fact and raise the interest rate on the loan. far eastern

the arctic mortgage contains such conditions, since the program was developed, among other things , to attract the retention of citizens in the territory of the far eastern federal. district and the arctic zone, so the terms of the loan agreement may contain an increase in the interest rate, but for those loans that are currently being issued, this is an increase in the rate, the key rate of the bank of russia plus 2% points. let us repeat, the most important thing is that the far eastern mortgage was expanded to the arctic regions of russia. certain categories of borrowers can receive supplies up to 2% per annum, up to 9 million rubles. period up to 20 years. housing can be purchased not only on the primary market, but on the secondary market under certain conditions. one of the key requirements of the program is to obtain a residence permit. in the arctic region. if you have any questions, if you want to know what the conditions are for other preferential mortgage programs,

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are expanding their range of products for passenger cars, and many developments are patented and have no analogues, for example, in motor oils. taras kucharenko observed how a unique product is created. one of the most titled auto racing teams in russia, multiple champions of the country winners of various stages of the world cup in the touring class, road circuit racing in production cars with a 2 liter engine. the lukol

racing team was created in 1997 and received so many awards that there were just one cup. the room simply does not fit, this is the room of our achievements, cups that only the team won are stored here, because there are also cups that the pilot won and they are in their possession, we have more than a thousand of them in total for all 26 years that the team has existed, for example, one of our largest achievements, this is a victory in the world circuit racing championship, this large cup that we received from the international automobile federation is kept in the museum, and here, for example, i can show, this is a victory in the russian circuit racing championship in the touring class, well in this case, the fifteenth year, it just came to hand, here it is... the last one is a cup for winning the russian endurance cup. in touring class competitions there are strict rules to ensure that the cars, regardless of the brand, are equally powerful. therefore the winner those who are better able to tune a car become psychologically stronger than their competitors. in addition, as studies have shown, much depends on what lubricants are used. the team

was created as a kind of testing ground for look oil products, that is. motor oil and other lubricants are developed by the company itself, which regularly refines them and then introduces these improvements into products in mass production. we can do car settings, we can... do something for convenience there the work of the pilot, for the convenience of the work of the mechanics , what appeals to me most is that there is a very professional approach to everything, we are like one big family, that’s why everyone works for the same highest result, the cars

have sensors that read all the information during competitions from the engine, after each race, engineers drain the oil and send it to the lukoil laboratory. the best oil test is to race under extreme conditions. experts analyze what changes can be made to improve results. in such cooperation also resulted in the creation of a unique synthetic oil for sports cars, which uses molecular technologies. it allowed us to improve the results, as shown by the team’s tests. it's less. compared to other manufacturers, thanks to this, when working in our conditions, in racing, we can pay the least attention to this moment, that is, from race to race, we know that we have a certain amount of oil in the car, it definitely works 100%, second indicator - this is a lower temperature regime, which has a beneficial effect on the entire engine and on its individual elements, thanks to this

the reliability of the engine in the coupe also increases, and accordingly, thanks to all this... we have results in racing. the lukol company concentrated the development and testing of oil in a single center of research competencies, which was created this year in the city of torshka, tver region. at the research center, work is in full swing around the clock; in just 10 months of this year, over 460 product recipes. last year there were about 300, this was achieved by equipping them with the most high-tech equipment. the center can conduct more than 300 types of tests, so they know everything about the oil. the new equipment simplifies the process as much as possible and requires minimal human intervention, which allows employees to fully concentrate on deciphering the results. this robotic arm

is capable of autonomously processing 170 samples, they only need to be placed on a special platform, it takes one test about 5 minutes, in fact, you can leave the equipment overnight, come back in the morning and view the received data. for example, here we measure the alkaline number, this indicator is very important, well, why is it important, because the oil oxidizes during operation, and in order to control this indicator and... let's say, extend the service life of the lubricant, at the development stage, we build in a certain quality margin, and some of the equipment completely copies the operation of the engine, which allows us to obtain... but it takes two weeks to get the exact data to create the oil and test it, and if the result is not satisfactory, the chemists change the formula until

the required product is obtained. this laboratory equipment checks and tests the resistance of oils to mechanical stress over several dozen cycles. these cycles are comparable to actual oil mileage and make it possible to estimate the frequency of oil changes in the unit. many automakers. it is recommended to change the oil every 10,000 km, lookoil lubricants have an extended replacement interval allowing the oil to operate longer. european, korean, and japanese cars have different requirements for lubricants, so large automobile and oil companies cooperate to create a product that primarily meets the requirements of the automaker. bukoil has been successfully interacting with automakers for a long time, thanks to the development of scientific and technical potential, high competencies,

innovative products and technologies, we are currently suppliers almost all companies, car manufacturers present on the russian market, as well as equipment manufacturers abroad. the company has a range of lubricants. more than 800 types, including motor oil for cars and trucks , for transmissions, some are used in industry. lukoil is the largest private oil business group, of course, this is development, this is oil production, this is oil refining, these are gas stations and, of course, lubricants. we have our own raw materials, our own additive technologies. our products are manufactured in nine. own factories, two joint ventures and twenty-five partner enterprises around the world, supplied to more than 100 countries. luk oil

produces oil using its own developed technologies, one of which is duramax, which was specially created to withstand difficult engine operating conditions, both during extreme driving and during long trips in start-stop mode. technology is at the heart of lucowel's flagship range. a feature of the technology is the basic own-produced oil and a specially selected additive complex. if we look at crude oil, that is, as it comes to the oil refinery, we will see that it is a dark, oily liquid of a rather complex chemical composition. in the process of oil refining, we obtain a crystal-clear base; in certain parameters, such a base exceeds the standards of industry institutes by 15%. one of the company's largest oil refineries is located in perm. its power is 15 million tons of products per year, of which about 470,000 tons are lubricants. the dimensions of the industrial site are impressive

: almost 10 km; the territory can accommodate 1,200 football fields. our premium genesis line is produced here, which is used for...

refining is required for refining we need oil with a low servium content and a high paraphnom content, which our western kamen-lozhsky oils correspond to, we process at our enterprises. at each stage of processing everything products undergo operational control in the central factory laboratory, which is accredited in accordance with all international standards. many of the technologies that were introduced at the plant were the first in russia, today this production is considered one of the most advanced, this is a line of left-hand oils in 4-liter canisters.

filling occurs automatically, the volume is also added automatically, the presence of a person is not necessary, so at the output we get 4 liters, no more, no less, after the oil is poured into the canisters, canister comes through the next node, the node at the cap, the node at the cap is intended for screwing the cap onto the neck, into which a gasket with foil is already inserted, after the cap is screwed onto the canister, the process occurs. sealing on a generator of current purity, that is , as if in a microwave, the foil is heated and soldered to the neck. the company has immediately introduced five degrees of protection for a canister with motor oil, this is laser-applied marking for each canister individually with the batch number and date of manufacture, and double a lid that prevents reuse and foil on the neck. the canister itself has a three-layer wall, it

is impossible to make it. products, so it will continue to improve the oil; this is the work of hundreds of people, not only scientists and engineers. the luckoill racing team has already begun preparing for the new season, which starts in april. mechanics study the car, how it was affected by the extreme racing conditions, and re-tune it. pilots train at least every other day on a simulator that is almost identical

imitate. a real car and real tracks, but as the racers themselves say, none of these devices can compare with what you experience behind the wheel, when you can accelerate to the maximum, enter a difficult turn and be sure that the car will not let you down.

in the past year, russian troops thwarted the counter-offensive of the ukrainian armed forces. this was the main task. sergei shaigum held a meeting on the results of the year, which contributed to the successful actions of our military, according to the minister of defense. museum-reserve.

criminal penalties for refusing to pass medical examination, cancellation of deferments for disabled people of the third group, lowering the age limit, in ukraine they are tightening punishment for violating mobilization rules, will this help kiev? a new unified network of women's centers. health will appear in moscow instead of outdated antenatal clinics, anastasia rakova spoke about this in an interview with our tv channel, see the full interview with the deputy mayor of moscow, watch in the second half of the hour. on the roads of zanos, classes were canceled in schools, the chelyabinsk region was covered by a strong snow cyclone when it... will it stop and what is the situation in other regions?