oh, beat yourself over the head, you have a cage that goes where it’s needed, that’s what my name is, because i’m not taking you where you fool want, where you need to, i can’t live without travel, flint, that doesn’t need a pen, anyone who has a flint in their pocket soon got used to watching videos online and stopped working. we install, open, watch, russian channels, all series, movies and cartoons, educational programs and documentaries, watch, watch in the application or on the website.

rub 578 billion russians took out mortgages with state support for this amount at the end of june. over the month, the volume increased by a third, preliminary data is provided by the central bank. when compared with june last year, the figure increased almost 1.8 times. according to statistics from the united credit bureau in may 24, russians. collected

a record number of housing loans, they accounted for 75% of all mortgage loan issuances. the surge is associated with the completion of a massive preferential mortgage for new buildings at 8% and a change in the previous conditions for the family program. borrowers rushed to apply for loans according to the old rules. head of sberbank german gref compared the preferential mortgage to doping, which should not be abused, and noted: the program lasted too long. now, i think, we will be in trouble for a couple of years in the mortgage market with the fact that. if we could bring the market to a normal equilibrium state, we will all be sick together, the affordability of housing will continue to be disrupted, it will be difficult for developers, because great groundwork has been done there, the investment cycle is quite long, and it will not be easy for banks, but to bring the body into this state, into an equilibrium state, economic organism is extremely necessary, i don't think that there will be some very dramatic consequences, but the consequences will be the preferential mortgage program at...

settings at 8%, which ended on july 1, worked since the spring of the twentieth year, it was introduced at the height of covid restrictions as a temporary support measure. the conditions changed over time, and the terms were extended several times. according to the house of the russian federation, during the entire period of implementation of preferential mortgage programs, russian banks issued almost 3 million loans to the population worth 11.5 trillion rubles. of these , there are more than one and a half million loans on preferential mortgages for new buildings amounting to about 6 trillion. at the same time, prices for primary housing have increased noticeably over... 4 years, in may of the twentieth, the cost per square meter in the country on average was 77,000 rubles, well , in may of the twenty-fourth it reached 154,000, but on the secondary market real estate did not rise in price so rapidly, as a result the following situation arises: a person who bought an apartment from a developer will not be able to sell it to cover the loan debt, central banks have pointed this out more than once, and besides, the state incurs significant expenses mortgage subsidies, the regulator believes.

people's attention is switching from the primary market to the secondary market, the secondary market is cheaper today, cheaper taking into account the fact that a fairly expensive mortgage loan without support, and in conditions where it is difficult to obtain or for some categories, until it is generally not possible to obtain a preferential loan for a new building , attention is switching to cheaper secondary properties, somewhere with a mortgage loan, somewhere without, but nevertheless the switch in demand is visible, in an obvious way, and we will see discounts, and from developers who will be covered under some special programs. the preferential mortgage for new buildings has ended, but other programs with state support continue to operate in the country, for example, it and family mortgages. by the way, according to the central bank, since the beginning of this year in terms of the number and volume of issuances, family mortgages are ahead of the preferential program at 8%. now the market needs, let’s say, to adapt, and most likely this will be a decrease in demand by 15.20%,

but however we are now waiting for new conditions for family mortgages, we are already seeing prices a slight decline, but as for the secondary market, it’s still difficult to say for developers. they are also still waiting for this preferential program for families with children. as for market mortgage rates, according to forecasts they will begin to fall as early as 2025. let me remind you that the largest banks have raised rates on basic programs several times since the beginning of summer, although the regulator maintains the key rate at 16%. as a result, the volume of housing loans issued may fall by 20 to 40% by the end of this year.

do you want to buy a used car already? found a suitable and cheap option? why does it cost less than the others if everything is in order on the technical side? how can you make sure there are no legal surprises with your car? we will tell you about this in 5 minutes in the program instructions: the traffic police website can seriously help the future car owner, there is a service

for checking a car using the database of registration actions, using a wine car you can find out its history of deregistration and find out whether there are restrictions on registration, that is you will understand whether it will be possible... to issue car itself or not, in addition, the services of the traffic police will help you find out whether there are outstanding fines on the car, using the online services of the official website of the state traffic inspectorate gbd.rf, any citizen can in the public domain in a few clicks carry out checks of vehicles, driver’s licenses, and also obtain information about unpaid fines for violations in the field of road safety, and by vehicle identification number. so to speak, v-number, check in the online service car - you can find out the entire history of registration actions in the state traffic inspectorate with a particular car, get information on its participation in road accidents, and here, in addition to the vin number, the check can also be carried out by body or chassis numbers, and find out

whether it is listed as law enforcement authorities on the federal wanted list, are there any restrictions on registration actions, and does she have a diagnostic technical inspection card or not? the traffic police website has useful links to other government services. first, go to the portal of the federal chamber of notaries. it contains a register of notifications about the pledge of movable property, that is, you can find out whether it is possible to buy such a car at all or whether the banks have not yet been paid for it. another source of information can be the website of the russian union of auto insurers. on it you can find out whether the pasaga car is insured when a diagnostic was issued for the car. map. the portal of the federal customs service has an open set of data on vehicles transported into the country. if you don’t have time to piece together the car’s legal picture, many marketplaces offer paid services for searching the car’s history. usually there

is the same data that can be found in open free sources, they are just collected in one place. the fact is that people often save these 99 rubles. they don’t pay for them, as a matter of fact, they get into trouble, there are also forensic services and , as a rule, i mean independent ones as part of the selection of a car or separately check for the criminality of the car, and these specialists also, for a small amount of money , help to find out the entire history of the car and whether there are any criminal tails. what should you pay attention to first of all regarding restrictions on registration actions? if they are installed, the machine cannot be used. you can find out about such surprises on the main website for car owners gbd.rf. to minimize risks when buying and selling a car, you can use the service transaction with a letter of credit for government services. with such a deal

the seller will only receive the money if the buyer is able to register the car himself. a transaction with a letter of credit allows you to reserve funds on a special basis. account, the funds will be transferred to the seller only after the buyer registers the car with the state traffic inspectorate, in order to register the vehicle... where you can find out whether the car has any gbd.rf restrictions. the information on

it is often enough to understand the legal frequency of the car, but when if you wish, you can collect data from the federal notary chamber of the russian union of auto insurers and customs. you can also use the paid services of commercial companies. want to learn more about government services for motorists or how to communicate with employees. write to us on telegram, suggest topics for the next issues, our instructions.

“the large tolstoy family from cherepovets, three daughters, two sons, maria and denis, have been together for 15 years, they say, at first they wanted two children, but then they got very carried away by the idea creating a large and large family. it was the thirteenth year, they didn’t give birth yet, like now, in large numbers of three, to be honest, people looked at me, asked me questions directly, why do you need it, you have a boy. girl , the complete set, here you go, why do you need this at all? then, after the birth of the fourth, and especially the fifth, such questions disappeared, even in such a small city as cherepovets, a large family no longer looks like a black sheep. more and more large families are appearing in russia, the figure for last year alone was almost 2.5 million. if we talk about the trend of the twenty -first and twenty-second years, then every fourth woman who became a mother at that time had at least two children. a study by the basic department yakov and partners of the higher school of economics showed what can become a motivation for having a child.

women's and men's views turned out to be radically different. potential mothers need good maternity conditions and high quality medical care. fathers would like to increase maternal capital and improve the availability of kindergartens. it seems that the most important thing for russians when making a decision to have a child, these are the good financial capabilities of the family, that is, simply. this is a good quality of medical care, not only government policy, but also corporate measures affect relationships in families, because most of us spend most of our time at work, says igor shchogolev, the presidential plenipotentiary representative in the central federal district. and it is important to have a dialogue with business. tell them that this is also their interest, now when everyone everywhere is faced with a shortage of personnel,

it is clear that as the situation develops for the worse, the shortage will only worsen. denis works in cherepovets at a large metallurgical enterprise in severstal, as the head of the rolling stock workshop. its task is to clearly ensure the delivery of the necessary materials for production. and send finished products from the workshops, the work is responsible and stressful, how do you relieve the stress, well, in general, it’s probably family, children, when you come home you are greeted by a small child, it seems like you’re tired passes by itself, then everything flows as usual, summer vacation is ahead, making plans for a large family is no easier than completing a logistical task, denis says, he and his younger children will go to the dacha, the eldest daughter will go to a sanatorium,

she vacations there almost every year. no, it’s inexpensive there, the factory has a good one, only 10% of the cost, this year there is no camp, there was a camp, they were also sent from the factory, there in general in sochi, our eldest child, who is now in the army, he went there , we succeeded generally free for those with many children. kamsk also has many children, and with the advent of their youngest daughter , they realized that it was necessary to improve their living conditions. when are you moving? i’m planning on august 1st, as if everything has already happened. there is still left, that is, the mills have already been ordered, the ceilings have been ordered, all the material has been purchased, that is, this is the final stage. sergei also works for the large company uralkali, his activity is related to the extraction of the selvinite rock in the mine, in order to feel the working atmosphere, we go underground . here in the mine, at a depth of more than 300 m, flickering crystals, this is salt, one of the

richest layers, an admixture of white, blue and red, then obtained from this ore. mineral fertilizers, they have to spend most of their time underground, so miners consider their work a second home. when we come to shift, we are all one team, we are all together, we have our own life problems, they begin now here, success and all the good things are here now, we leave all the negative aspects at home, because we are a friendly family, we are a team. sergey laughs, the mortgage will definitely be paid off by retirement; by the way, he is 36 years old, and miners retire to a well-deserved retirement at the age of 40. corporate support, that is , i took out a mortgage, it’s like a new building at a small interest rate, they paid off this interest for 10 years for me, children’s health improvement, pioneer camp there once every 2 years, as it should be, the children get healthier, now after 2 the middle

son will go to camp in a week, yes, there is support, what? it’s better to move, of course, yes, and this is the primorsky region, a godsend. kirilla kentev, specialist transport services of a large container operator, a group of business companies. for the birth of their third child, the company paid the family a million rubles. they invested money in their own home, the wife shares her plans. we have already completely paid off the mortgage and , thanks to the million, we are now just doing home improvements. we will have a gazebo, we will have a swimming pool next month. kirill says that in addition to the million for the third child, the company also provides other support. yes, we will reimburse kindergarten fees in the amount of 80%, as well as compensation for the children's camp in the amount of 50,000 rubles.

the chamber of commerce and industry, together with large businesses, conducted a survey and found that more than 80%. women and men prefer to stay in a company that implements a program to support employees with children, this trend is confirmed by the ministry of labor. today we have the lowest level of unemployment, and in fact, employers must, as they say, hunt and attract in every possible way the most qualified employees. therefore, of course, it is very important that anyone an enterprise, a large corporation or a not very large business, created such within its enterprise. conditions so that the employee wants to work there, and so that he does not have to choose a mortgage or a job that may pay more, parental leave, or not lose his qualifications. companies often provide support not only to their employees, but also to residents of the region where they operate. we return to cherepovets, the charitable foundation is on the way to the house.

any resident of the city who intends to become a parent. expectant mothers are taught correctly. understand how to correct the mistakes that correct behavior in each stage made during the first birth, well, as a bonus, as it turned out, here you can prepare for partner childbirth. cherepovets city maternity hospital, head physician german mesnov says, every fourth birth here is a partnership, they work together with a charitable foundation, and provide support to young parents, even in difficult situations. we work, well, with the so-called prevention of abandonment of newborns. if,

when we started in the eighth year, we had 30 refusals per year. when a woman is prepared and goes into motherhood, consciously and joyfully, she is more ready to go from...

only cska, but next year i think we will take second place, we lost in the final , there were 16 teams in the final, we managed to take first place, we will work harder. children here can play basketball for free, and no matter where the parents work, everything is paid for by the company. all the chips, cones, balls, every ball is there, but it’s more expensive there 6,000 rub. we have them. the main ones are all ours, that is, the russian championship, which, they are all going on. at the expense of uralkali, that is , our parents do not pay anything, we were one of the first to work on standardizing the status and

support measures for large families in all regions of the central federal district, in addition, we introduced a rating of responsible businesses that care about the environment, personnel and openly interact with the state, we started with large companies that operate in central russia, now it covers 7 million... from the best business practices, we have compiled a corporate demographic standard, which includes over a thousand different corporate support measures for employees with children. at a meeting

of the supervisory board of the agency for strategic initiatives chaired by vladimir putin, the head of the agency noted best business practices. here is a group of companies, a large transport company, which today encourages employees of its company, where it is born. plus one child, so to speak, and subsequent ones, both financial and non-financial with support measures, we want this practice to become national and countrywide, so that more companies join in solving this problem, supporting a woman and a family in the decision to have one child. the group of companies implements a corporate program to support fertility, motherhood and childhood. this is not only a payment of 1 million rubles per birth.

the development of the cities where the company operates is encouraged, as uralkali is doing in

bereznyaki and salikamsk, so that families would be more comfortable living in them, good specialists remain in their jobs, the outflow of population in the regions stops. the company is implementing unique infrastructure projects in berezniki and salikamsk and directs funds to the improvement of cities, as well as the development of medicine and education. sports for the future of our cities, we open and support engineering classes in local schools, develop the younger generation and do everything possible to make living in our region comfortable and enjoyable for all residents. the focus is also on companies that pay special attention to the children themselves, as they do in severstal. if we talk specifically about children, yes, in our country every woman, as soon as she receives confirmation from the consultation of the facts of pregnancy, has the opportunity. generally go on vacation, yes, that is, do not come to work, but we continue to pay the average wage, and this happens until the moment through the people, and then, when the employee is already on vacation.

for child care, we also provide her with financial support, in the trend of a company where you don’t have to choose a career or family life, because the employer helps to combine these things, contributing not only to the creation of a friendly family, but also a large one.

hello, this is the senate program, my colleague krasova and i. strengthening the development of the regions' potential and defending the interests of the residents of our country. about key events right now. the most important social decisions that 8 million citizens were waiting for. senators approved a law to return indexation of pensions to working pensioners. together, of course, the state duma and the federation council are adopting this law with great enthusiasm,

long-awaited for our people. older generation.