everything the government does is wrong, they spend our money in abundance in other countries, and the germans are doing worse and worse, we realize that taxes are rising, fuel prices are rising, the cup of patience is almost full, this state has socially devastated this country. you can start the report

from february 24, 2022, but this is not the whole story, it did not even begin with crimea or maidan. what we hear in the mainstream media is half-truth. our self-proclaimed experts are heard in ukraine. they are encouraged when they are told whatever tanks and missiles they supply, everything will be fine. that is, we create the impression that the war must be fought to the bitter end. let's look before everyone else. four children, ex-husband, endless stress at work. why are you always nothing but problems? subscribe and watch. the central bank is dissatisfied with the way preferential mortgages are issued in russia, a practice that has become widespread. since the beginning of the year, a number of large

banks have introduced mandatory conditions for borrowers: you can buy an apartment only from a closed list of pre-approved developers, while the latter must pay a commission to be included in this list, in this way banks are trying to compensate for the lost income. the state now subsidizes banks less for the difference in regulated loans, and banks now receive accordingly. there is less money from the state when issuing preferential mortgages, taking into account the banks’ expenses, taking into account all their internal indicators, and for banks the issuance of preferential mortgages has become, well , let’s say, unprofitable, the situation has become concerned in the bank of russia, it believes that despite changing the terms of preferential mortgages, it remains profitable for banks, but the commission creates risks. they can be passed on

by developers to apartment buyers, and will further inflate prices for new buildings. the average commission that a developer is now forced to pay to the bank is 7-8%, depending on the program, for example, in a mortgage with state support the rate is 7.5%, in a family mortgage it is a little more than eight, in it - 8.7%. in general, if we talk about the market, then most likely there will be an increase in the price of apartments. per commission amount, on average - it is expected that prices may rise if commissions continue to operate at approximately 10%. well, again, it will all depend on the developer, what pricing policy he will adopt. among the banks that introduced commissions for developers are the largest players in the mortgage market, sberbank, vtb, alfa, promsvyaz-bank and others, for example, this is how

vtb explained their decision. in the context of the government cutting subsidies by half for all state programs since the end of 23, the issuance of mortgage benefits has become de facto for banks unprofitable. our profitability on them in recent months was already around zero, but since december 23 it has become negative. vtb proposes to return one percentage point of the subsidy to lenders to a value of 2.5% of the point, and also to make mortgages with state support more targeted, for example, for socially disadvantaged people.

now this additional difference between the key rate, what was previously 2.5%, has been reduced to 1.5%, that is , income has been reduced by 1%. it is worth saying that the situation in the banking sector is heterogeneous. there are those who pointedly did not introduce commissions, for example, sofcombank and domrf bank. well, in order to equalize industry participants and prevent systemic risks, the bank of russia will invite the operator of the state corporation program for the development of the housing sector, domf, to consider expanding the limit on the issuance of preferential mortgage loans for those banks that have not introduced commissions. now all limits until the middle of the year have been redistributed. with all financial institutions, banks, we don’t have such a free limit, well , i’ll say it again, if the banks maintain limits, stop issuing mortgages, then we can withdraw these limits from them and redistribute them to the institution that performs, let’s say, our bank house of the russian federation, today it issues

mortgages without the corresponding commissions, but we see a colossal demand for this mortgage, we are dissatisfied with the situation, clients at the federal antimonopoly service told us that they are currently considering several complaints against the actions of banks that have limited the issuance of mortgages under preferential programs only to the circle of partner developers.

let us tell you how this day in history is remembered right now. hello. on january 17 , 1562 , the edict of saint-germain was issued in france to reconcile a nation divided by religious hostility between catholics and protestant huguenots. the huginots were granted amnesty and allowed to pray. in her own way, catherine de medici, the mother of the young charles ii, acted as a champion of religious tolerance, but the parisian parliament did not approve the edict, and duke daz and his supporters captured catherine and charles and forced the decree to be canceled altogether. then the religious

wars began. there were seven of them, all very cruel. the goginots carried out a massacre in nîmes on st. michael's day, catholic, massacre on st. bartholomew's night. by the way, the medice herself initiated it by changing. chekhov called the play a comedy, rather out of irony.

my father and mother, my grandfather lived here, i love this house and i don’t understand my life without the cherry orchard, if you really have to sell it, then sell me along with it. and on this day 1945, warsaw, the long-suffering capital of poland, which had been under occupation for more than 5 years, was liberated. the fascists were organized in the city of the ghetto, where they kept a third city ​​population, 350,000 jews. by order of hitler, warsaw was turned into a fortress with a powerful all-round defense and a garrison of seventeen thousand. the first blow to the enemy was delivered by units of the first belarusian front and crossed the vistula. then the first army of the

polish army, formed in the ussr, entered the battle. the surviving residents were shocked to see tanks with white eagles and tankers who had changed their helmets on the confederate. it was especially difficult to dislodge the nazis from the main ones. strongholds of the old citadel from the main station. today the polish authorities do not want remember who and how liberated warsaw and all of poland. monuments to soviet soldiers are being demolished. there remains a memorial complex, the mausale cemetery, where 21,468 red army soldiers who gave their lives for the liberation of warsaw are buried. on january 17, 1991 , operation desert storm began to liberate kuwait from saddam hussein's iraqi regime. baghdad wanted to improve its affairs after a protracted conflict with iran and accused kuwait of declining as a reason for the invasion. for oil and its illegal production, but keep kuwait hussein's troops failed,

an international coalition was created under the command of the americans. unlike other us interventions, this time there was a decision by the un security council with the consent of the ussr. on this day , the first air strikes were carried out; a week later, troops were landed and fighting began on land, in kuwait on the territory of iraq itself. this was the first high-tech war in modern... history, with the widespread use of high-precision aircraft, electronic suppression, satellite navigation and much more. baghdad provided stubborn resistance, but eventually capitulated. on january 17, 2023 , information about a breakthrough discovery in genetics was made public. it was carried out by the russian scientist maxim nikitin, the head of the direction. biomedicine at sirius university, head of the mipt laboratory. he experimentally

proved that in addition to the double helix, there is another mechanism for storing information in dna. these are uniquely corresponding to each other, that is, complementary molecular chains. the discovery will improve the specificity of gene therapy and minimize risks negative consequences of inappropriate editing of the patient’s genome, as well as unraveling many of the mysteries of genetics, the nature of instant memory and january applications are accepted on the platform ideia.roskongress.rf/brand. more than one and a half

million people across the country are already using the government services.com application, and it will probably be useful for you too. we will tell you in 5 minutes the instructions in the program about what functions it has and how to use it. but first about where it can be found. in all app stores for your devices. there is also a version for android and for ios. the application works in all regions of russia. in order to take advantage of all functions, you need to register. to register , you will need a verified account on government services, so you can really make sure that you are you, all requests and other actions that you do through the application will have legal weight. using the state services house application, you can submit an application on any issue. related to living in an apartment building, for example, related to garbage collection,

entrance, with disinfection, with landscaping of the territory, if the management company does not respond in time, then you can also complain about it to the state housing inspectorate through the public services application, and appropriate measures will be taken. the application connects to the state housing and communal services information system. with its help, you can find out a lot of interesting things about your home; notifications will be sent to it. about planned repairs, accidents and forecasts for their elimination, you can transmit meter readings through government services. current tariffs, it will also remind you when the verification period for measuring instruments expires. by the way, with the application it is very easy to check whether the numbers on paper payments coincide with the expected ones or not. if not, this is a reason to write to the manager of the organization of your home. you cannot ignore a request via the application; the company is obligated to do so. give an answer within the established time frame, no more than a week. through the application , you can discuss the problems of the entrance or house and

even conduct a legally significant vote and a general meeting of owners. with electronic voting, it is much easier to gather a quorum and even change the management company if the apartment owners don’t like it. you can learn how to conduct legally binding voting using gizx from a special webinar. its recording is available on the service website. video. it shows how to initiate and hold a general meeting of owners remotely. attached are government services. the house has exactly the same functions; through it you can pose some questions. to vote and decide on the dates . the system will count the votes itself will inform all participants of the results. in the application, you can even campaign for the solution you need to the issue on the agenda using neighbor chats. since december, such chats have started working in all regions. neighborhood chats consist only of people who are related to the house. thanks to logging in through

government services, no bots will interfere with the discussion of issues that concern the owners. chats are a joint project of the public service house and vkontakte messenger, only the owner can go to the neighbor’s chat, thanks to which the discussion in these chats are carried out only by interested parties, and from a discussion in a neighbor’s chat you can go straight to solving the problem. so, let's repeat the main application. the house helps homeowners; with its help, you can not only pay for services and communicate with neighbors, but also conduct voting. the application is integrated with the state information system, so it is easy to find a lot of useful information in it. would you like to learn more about how to automate the transmission of meter readings or how to create an owner's association? housing to manage your home yourself, write to us

on telegram, send your questions, we will ask experts about everything and... we will tell you the instructions in the next issues, why are you looking at it all the time, and haven’t you heard? the ministry of emergency situations say that the garland should not be left unattended, wounded means killed, the paradoxical scheme according to which it turns out is that the ukrainian armed forces are fighting now, their losses are growing rapidly, and there are more and more wounded, in the kupinsky direction, for example, in addition, it’s freezing , then it will unravel, so that

the soldiers also get sick, and this is who heals them, doctor death, military personnel 127. igor yaroshenko. such insights have appeared on the internet that this relative of kambrig has no medical education, is operating drunk, which means there is simply no chance of survival, even if the wounded man was finally transported from the front line. there was already the first death under the knife of this butcher. there is an obvious, not just, shortage.

so as not to once again frighten local residents with this monstrous mathematics, why are there not enough doctors? yes, because there were not enough of them in peacetime. after the maidan, kiev completely killed its healthcare by putting it service, in particular to western virologists , who were working out options for biological threats against russia, now what remains of the soviet system is not able to help the wounded, in any case , cope with such a flow as in the kharkov region, for example, a very large number of wounded , we know that medical institutions, both civilian and military hospitals, cannot accommodate such numbers, and people are literally in the corridors, not receiving proper medical care. as for the fragments, nato medicine brought to ukraine, they are fragments. there are also few western doctors ; they also cannot cope. the american abc

writes that the number of seriously wounded ukrainian soldiers in hospitals has increased by a third. these are ukrainian doctors themselves. here is a ukrainian video from the bakhmudsky, that is , artyomovsky direction, all this means that there is no so-called medical triage of the wounded, no routes, no distribution,

if the hospital is overcrowded, what happens? i ventured to use the word mess, it’s not just a mess, it’s the absence of any there was a system, that is, their fate is pitiful and terrible, the brutal attitude towards the wounded in hospitals, the lack of personnel - this is not only medicine, music, but also by the current leaders of ukraine, like consumables. why treat, if it is easier to recruit mobilized people, then kiev destroys its own people,

sending the wounded to the rear meat grinder. now our army is not the best in the world, and probably never was. one of the problems the enemy uses is the kamikaza pividron. accordingly, we need to develop electronic warfare systems. operations, our soldiers record short videos for their mothers, which they, of course , remember, performing even the most difficult combat missions, in body armor, pea coats, with walkie-talkies with

machine guns in their hands, they take a hat out of their pocket and say: “mom, so that she wasn’t worried, look into the eyes of our guys, there’s so much light in them, how could it be otherwise if you remember home. mom, it’s very cold here, so i listen to myself. it’s very important for a fighter at the front to understand what’s behind the lines they are waiting for him there, when i was at the front,

this flag mob did not exist yet, but then i remember that the children’s letters really warmed the soul of our children, how there was such a touching warmth, in this whole environment, such a piece of home, this is how the heart responds to it all, this is how the soul responds, it warmed. it was very hot. such videos warm the souls of those who are waiting for their fighter, mothers, wives. just imagine, and such a video of support from them, from there, to us here, women, they are defending russia, taking care of their mother, so that she smiles and worries at least a little less. every news from the special zone military operation, it gives our women the strength to help even more from here. our guys weave nets, make candles , knit socks, they worry about them, worry about them and wait unharmed at home, remembering

how my family brought me warm things, i remember this with great warmth in my heart, our guys have been wearing such chevrons for a long time bulletproof vests, helmets, my mother said to the children... this is already a kind of symbol, this is a symbol of love, a person’s love for his homeland, for his family, his family’s love for him, and the fact that you are not just function, you ran, you won there, well done, we’ll give you one, you, they ’re not waiting for you here, not just with victory, they’re just waiting for you, i go to the burdenko hospital myself, i help the guys there near their beds, i see how their wives , mothers... what is connected

with childhood, which, of course, cannot be said about the vsushniks, remember the video where ukrainian militants are going to deal with a toy with a cheburashka, they say that everything that russia shoots, ours responded by taking the big-eared cartoon character with them to the front , they carried it in backpacks on their backs, and they made a chevron with a cheburashka, this also the same thread connecting with home, like that video about the hat, the video that the wives and mothers of these soldiers are probably.

such a front-line greeting to my mother, who will definitely send a response letter to the north military district zone, a reason to be even more proud of our soldiers, they are not hardened in soul on the front line by imitative fire, from which their mother’s love protects them. our boy felt angry because of social injustice and wanted to fight it. let's give him a medal then. a film about family, about love, and of course, branded humor at the highest level. let's go to paris, let's devour an oyster, i really liked it. napoleon bonaparte greets you. the chase.

it seems to me that i will review it more than once, everything is in your hands, holob 2. samarkan regestan is an architectural masterpiece from former times, the square seems to be divided in half by an invisible mirror, and its right side is reflected in the left, although there are 90 steps and 200 between them years. soviet times, uzbekistan, and cotton are synonyms, nothing

grew here except it, now everything is different. hassle is still the engine of the economy, but no longer a curse uzbekistan. leading textile brands are gradually moving their production from china to uzbek sites. the country is beginning to open up, not only new ones are being formed, but old connections are being remembered, but we have centuries-old connections. uzbekistan produces 350,000 cars at breakneck speed and changes the economy. we watch to learn about the world, educational

programs and documents. look, look in the application or on the website. vladimir putin today took part in the award ceremony for the winner of the service award, which took place on the sidelines of the first all-russian municipal forum small motherland, strength of russia. the award is presented to representatives of the municipal community who have made a special contribution to resolving issues of local importance. the president noted.