or the clerks are a very heavy tank, firstly, secondly, it has a completely different gun ; it has a rifled gun, so the shells are from the challenger. they don't fit. u for uh , for example, for a leopard cannon, therefore , to supply these shells for fourteen tanks in any case, they must be destroyed by these tanks, and in the first place. uh okay regardless. by the way, where are they located, if, uh , they really go, uh, this weapon of their own will be used - these ammunition with combined uranium, which, by the way, and yugoslavia also influences. this proved not only for those against whom these shells are used, but also for those who use these shells. i understand that there is an english leadership as well as an american one. in general, they don't give a damn about their soldiers, despite all these e, spells that here as

soon as the first american soldier is killed there or the british immediately there will be a revolution. yes, there will be no revolution because for politicians. well, well, they will file it there, then a lawsuit, but they will pay these american soldiers paid. uh, i sell people with yugoslavia, they didn’t pay anything, but they didn’t pay their own, therefore, i think that, of course, the ministry of defense will think about how to react, but in principle, i think we need to tighten and destroy logistics and destroy these tanks that they are going to supply ukrainians. uh, i, uh, general know even less than you how russia could have reacted, but two observations. first i had a conversation with a chinese diplomat, with whom i had meetings in washington before and i told him i will ask a question about this non-nuclear position. by the way, this is before. the application was e

signed. so that is called asking a question. in general, about not specific and the answer was very interesting. he said that we are categorically against the use of nuclear weapons, be it strategic or tactical, this is our principled position , he said, but then he said that it’s natural when we talk about it, but we don’t mean what’s wrong with us you can do anything. and if this is done without the use of nuclear weapons, then we will by no means, not we use our nuclear arsenal when we say that what we do not use means that there will be no aggression against us that will put us in mortal danger, and it seems to me that the russian military is the same in principle doctrine, yes.

therefore, in practice, in general, there is no contradiction between these two things. the use of nuclear weapons is extremely undesirable. but for this , the nuclear arsenals of both russia and china exist so that their opponents understand that such opportunities, while moscow and beijing have. and what are these opportunities responsible politicians must bear in mind must bear in mind when making their e decisions. but whether there are still responsible politicians in the west, we will talk about this shortly after the advertisement.

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there is a big game on the air and we are discussing the summit meeting the meeting between the leaders of russia and china in moscow and we are talking about those who meeting dissatisfied. let's hear what us secretary of state anthony blinkin has to say about this. today and for the next few days, xi will be meeting with president putin in russia, and we expect china to use this visit to call for a ceasefire as part of their peace settlement proposal. but cessation. fire now without a long-term solution will allow president putin to rest and re-equip his troops and then resume the war at a better time for russia the world should not be deceived by anyone a tactical move by russia, with the support of china or any other country, to freeze

the war on their own terms. but with all due respect , secretary of state. that a ceasefire be a condition of the negotiations. so russia has never raised the question. russia is open to negotiations. and at these negotiations could be discussed, of course. i think a long time ago it would have been discussed in the first place. uh, a ceasefire agreement, but that was not russia's condition in this case. it seems to me that the secretary of state is not satisfied the very idea of ​​negotiations with russia's participation in ukraine and i have, over the past few days, become increasingly suspicious that it is precisely this lack of desire to conduct any serious negotiations

that explains the ridiculous and illegal decision of the so-called criminal court of the international criminal court, which was proposed by arrest, or at least consider arrest, and president putin has another high. the appointed russian official fully admitted that in practice the arrest is practically unrealistic. and what no one will try to implement it. why then do they do it? and i'm now beginning to think that this was done to influence him to understand that in these conditions to go and meet with putin to negotiate in moscow. he could bring righteous indignation on him in washington and other western capitals. and that they decided to try this method in order to avoid serious

negotiations, but i would not be sure of my suspicion, because who is this group, and this tribunal is incomprehensible, uh, which does not exist no mandate, but from the security council, he is the three leading members of the russian security council of china and the united states itself did not join this treaty, this one participates in this judgment and is not subordinate to it, and i thought. well, maybe some kind of interesting coincidence, but they did something stupid with this gaga tribunal. well, isn't there some big evil one behind this? plan, but look, it turns out who orders the music for this tribunal. let's get a look. first of the russian war of aggression, the european commission provided 10 million euros in support for the work of the international criminal court on ukraine and let me assure you

that the eu remains ready to provide the necessary material support as the situation in ukraine requires an adequate response and look who else is going to provide this tribunal with additional funds. the uk is increasing its financial support for the gaga-based court to £1m this year and other countries are expected to provide financial and practical assistance as well. today we have gathered in london as a united one purpose to hold war criminals accountable for the atrocities committed in ukraine during this unjust , unprovoked and illegal invasion, the uk, together with the international community, will continue to provide the international criminal court with funding of people and experience to ensure that justice is done

, uk attorney general dominic said for clarity not the european commission, not the uk has no mandate to speak on behalf of the world community and most of the world, and to this it has. it doesn't support that kind of attitude, and either these people just don't understand anything at all, or there really must be some far-reaching intention to disrupt the negotiations, because i don't know if you will agree with me, senator, but if it turns out that you can’t negotiate with putin, then this means that you can’t negotiate with russia if you can’t negotiate with russia, then it’s even theoretically impossible to agree on ukraine. i don’t understand something. you said that you know exactly what i thought. we have very many say the word dark tribunal

international triangles a. so i once proposed to create an international terminal in donetsk and now to the donetsk tribunal. if you like it. well, let's, you from yourself of this tribunal, one of all the sessions will hold gaga , where especially the members of this international court are self-sufficient. by the way, you know that the committee today opened criminal cases against three members of this musa and the fourth prosecutor. therefore, i think that you know you don’t even want to pay attention to this. just like that clumsy attempt. it's all done in a hurry. they do not have time to invent anything time passes quickly. and so they invent such nonsense more to say, well, you know, at one time, one uh, a familiar investigator of my father. the father was a lawyer, he used such an interesting expression that is not caught, but characterizes. and you know this, here, i would

generally initiate a criminal case in the right way. you need to issue an order. well, i don’t know further, of ​​course, you can, uh, file a request with interpol, we have every right to say so, it’s red there, they glued the label, or demand from holland the issuance of these these. so the criminals who were arrested and, moreover, one more thing , the americans in 2003 adopted a special law regarding the lack of jurisdiction of the united states and this international criminal words up to a military invasion. so i think that our deputy needs to take the american law and rewrite it to the letter and adopt and announce it as a whole good wonderful idea, but sometimes i happen to be with the general. uh, discord, because i'm human. e civilian

i'm more militant and therefore it seems to me that we could even go a little further, namely, namely, we already know that, for example, uh, in ukraine there are some nameless groups of ukrainian patriots who somehow get the opportunity to blow up the northern the flow is one of the nord stream-2 and the final one, by definition, not only kiev, who do not bear the slightest responsibility for this. what could be some russian patriots? which could decide solely on their own initiative. look here at these wonderful judges who are basically involved in the mockery of the law and in the process are really threatening world peace are really threatening peace and are trying

to block the search for diplomatic solutions. what could be? well, there is no need for these uh people for technical purposes, it is not necessary to create in them the feeling of complete and uh infinite immunity. here are many of russia's allies a. uh, it doesn't feel like they have immunity because they're russian allies and a lot of the members just got the feeling that they can do anything . and that the fifth article of the uh nato map one for all all for one gives them a mandate to do whatever they want and nothing will happen, i think. that, uh, the west is on the way, american foreign policy is on the way , when they uh, well, if you want, make russia think that the focus of maintaining

the normality of life in russia is a focus that i fully understand and support, because at a certain stage she is such a uh, trick, can be an unaffordable luxury. and god forbid, no god forbid the opponents of russia to experiment. e in this area. and god forbid he know what russia can do. if it turns out that really she was left with no other choice. it was a big game. tomorrow we will meet the new one on the air. it's an easy money podcast and i'm its host

mikhail khanov today we're talking about the real estate market with aleksey tulupov the builder and developer and ignat bushukhin. and i suggest you know how the distribution of roles such alex will be on the side of the seller. yes, there is a manufacturer products. in this case, real estate. naturally, i will be on the side of our audience, as a potential buyer trying to figure it all out, and i will have to play the role of an expert. yes, standing for a fight. not on whose side, but i hope i have a mortgage, and that changes things. it's good that you said, that is, you are a person interested, that is, two against one. i think that alexei will cope with the market - that's always the case. in clever words, balance, just suggestions. here now in the market it's a market buyers or sellers of what more apartments or buy, probably, the question is more like a question , but certainly now the market is right to buy or a person with money can count on fairly large discounts. he can choose from the great floor of the apartments, as far as? legends in moscow is generally a buyer's market,

because there are five vacant apartments for one apartment tenant, he can say and choose. so please buy. choose from any class. this applies to new buildings and secondary and elite real estate. now we will return to this. well , i would say that there is a slight shortage of a good quality offer on rublyovka. but these are super-super-lite houses, this is probably too narrow a market. but basically, yes, you choose how you behaved, in short, in such a situation on the buyer’s market, he feels, as always, a good thing, in short, all good bad bad. it's like no one has changed tolstoy yet. yes, all happy families are happy in the same way, each unhappy family is unhappiness in its own way and therefore happy good morons. anticipate how good in general, of course, it is clear that a drawdown was knocked a year ago, but we just see that now demand is definitely recovering. as if, well, the people have calmed down and, well, the trend of recovery is pouring. cobra was bought the real estate

of the nation, there, in my opinion, about 700 billion rubles. and uh, actually the numbers are different. eh , i would say so sadly, but the number of bad loans increased by 12% per year, that is, those overdue by more than 90 days are considered according to the standards. and the central bank is bad loans and decreased a sharp number of early mortgage repayments. i mean, it says that basically, here's the mortgage needle. uh, but if i may, so to speak, it was quite serious, uh, the moment that began during the pandemic, when our state supported this market. well, understandable. why did he support, because he is very capacious all this led to the fact that, well , de facto, according to the numbers that he named. uh, if experts see a bubble in the mortgage lending market. well, and, accordingly, in the real estate market. michael about the twenty-second year. here in macro, numbers. he was very good in terms of selling globally. that's the whole year, all 12 months. yes, but better than the twenty-first

year. eh, but now, just a little bit, we started to move, as it were. well, let's say that 's on a flat surface. yes now it's january february, well, we started to go down a little like this in terms of sales in terms of house prices, with regard to mortgages. you said that overdue loans are growing and all that, but we have this delay, it is still measured in hundredths of a percent. this is very few. we have people who pay bona fide mortgages and what kind of mortgage bubble is associated with an outstanding mortgage, well , before that in russia it is still very, very far away. we take credit cards for 25 to 30 years. yes, today, well, they are paid . you won’t believe it for 7 years ; understandable question. how to give? well, believe me in 5-7 years. you get out and give it away. don't need it. okay, let's not go deep into

the topic of approximate load alexey i probably have a question for you, but there is a strong belief on the market now that this year is 23 due to the fact that a recession is planned in russia all over the world due to the geopolitical situation and the situation is not so rosy and incomes of the population. well , at least they are not growing, everyone expects a recession, a recession, uh, prices for well, now we will not separate new buildings, secondary ones in the real estate market as a whole. well, at least 10-15%. that's how you feel like a person who directly produces goods sells his. here you are observing some nances in terms of pricing at the cost at which you manage to sell your product. well, firstly, the price has not actually fallen in any segments. it even grew and so on we see, well, it’s just that everything is growing in value, which is the main component in the growth in the cost of engineering elevators, so to speak, everything that is still worth a house. e in the cost of the house there. uh-huh did that he himself was concrete cement reinforcement.

it's not that much, especially. if we are talking about real estate in the center of moscow or it's just in moscow, uh, it's not hard to talk about some more mass segment. there, of course, this share of the haunt is due to the depreciation of the ruble or that, of course , there are a lot of imported materials in good quality housing. this is the first, uh, rising rate. well, in this case, the currency, as it were , the fall of the ruble is unconditional. then, uh, they just changed, including all sorts of supply chains, that is, what everyone is used to working with. something simply cannot be introduced into russia. something has to be carried on more distant way, in which well, including suppliers, who do not use imported materials, who , let’s say, segments of the cheap mass housing market are built there, who use domestic materials, they have, uh, cost, well, i don’t think that they grew up in what case. it is generally this, communicated by vessels, if we suddenly cannot lead to this brazilian granite. yes, we will

conduct russian or some other kind, so it cannot rise in price, because if everyone suddenly switched global granite to exclusively russian, then it will definitely grow, just stayed we see that here is also housing for which you sell apartments in february, at the end of february. there or in early march. it's not lower than the one you were selling at in november, than uh , definitely not, and than the year of the year is even higher in your paradise. now it's seasonal. so, yeah , there are some adjustments going on, they always go on, but in general they are within the statistical error for sure. that is, those who are determined to buy an apartment, at the end of the year should be disappointed that the price drop, well, how the minimum decline does not occur in the twenty -first year. this was due to the growth of the economy in china and that's our manufacturer. metals, uh, all kinds of building materials were

profitable, including wood, yes, it was profitable for the construction industry to export their products. well, abroad, since then prices have remained at a relatively high level, e.g. for building materials for mito for bricks for all sorts of non-metallic bulk materials. and this is still, as it were, a very strong influence on the marginality of the development business. yes, indeed a developer, very expensive to build. here they are building for 90,000 rubles. for a square meter, relatively speaking, they sell there for 110,000 rubles. per square metre. that's the kind of economy on this question alexey salaries constantly. well, let's say, if we take the twenty-second year, well, 10 percent, that is, they are. well, you know, always here. this is the same, as it were, in the apartment market, and in the labor market. this is also a balance. it's just that some professions are growing more , some may not be growing, but we are experiencing a constant shortage of personnel. that there are, e specialists, there are not enough specialists of medium heat, engineers, foremen, or these are

directly workers. well, in general, for all countries, but the higher the level, the stronger the personnel shortage is felt, in order to estimate the approximate part that makes up all the places of salary - this is about 10 20 30% in the cost price. well, not 30, well, 10-20, most likely, i'm going back to uh. hmm, the topic is help from the state. here, uh, and that same needle. yes, this cheap mortgage, and according to your feelings, because it happens on the market. yes, this is probably more questions to you ignat and there are tendencies. because this support will stop, or yes, several times the state supported developers and developers, stimulating their sales in times of crisis for the economy. this was the case in 2015, when preferential mortgages appeared, and a year and a half or two later they closed it. so, then the preferential mortgage was in 2018 there in

the twentieth, in my opinion, somewhere it was also closed. now we have, as it were, the third wave of preferential mortgages, it is obvious that, yes, someday it will be closed, because, well, they go to rates anyway. hey, if you look strategically, yes there in from the height of a decade relatively speaking, these are our rates of conventional mortgages. that's without preferential state support there. one way or another, they are not trending down, so now that mortgage is called preferential. yes, lord, the support is obvious that as soon as the economy levels off , this preferential mortgage will be canceled. well, that is, in simple terms for our audience to wait. by the end of the year 23, in order to buy an apartment, it won’t be cheaper, or my thesis will be, you need to buy an apartment when you need it. oh or when you have the strength to do this reserve is called apartment real estate. it is very much the most protective such investment product. here, as soon as there are extra, kopeechka, go take a mortgage on a second apartment, because either you

will sell it, then in the future. yes, in five years , in 10 years, benefits for yourself, or you will pass it on to your child. well, for example, you show japan there for decades people can sell an apartment. here we have it it would seem an island. yes? well, where is the year e we all sat down, here on this needle of possessiveness. we became owners state, because the country brought up that way. you know, here are three single dragons, a sensor of an apartment of a car of three two heads of real estate dachas. yes, and apartments in the property, of course, and this is a very bad russian person. here in germany , for example, 80% of all garages, but all e, citizens are tenants. they rent, they don't own. and for and because of this they are more mobile. they can move around the country. so, let's say i can work here today. yes, i can leave, vladivostok. you understand, right? that is uh for a citizen of the soviet union has always been real estate like that. yes, yes, but i think that it is necessary to develop others. well, i think that the youth now are those who are now 20 to 25, they are less attached to

purchases. they are more. they generally believe that you can leave not only around the country, you can also go to other countries to work remotely there. well, there are different trends. that is, you are alexey , for whom you are building, you are building for those who buy housing with houses and then rent it out or not, of course, this is not yet. let's do it. uh, who can a developer sell an apartment to? do? can you check the apartment? well, what is called a distant language. yes to the end user and investors. here are some developers selling a very asset. but we don’t do this for investors, because in the end we will have to compete with them when they start selling and our task is to ensure the comfort of those who will directly live in these apartments, that is, the end user. and so ignat took me off my tongue that i was really buying an apartment. but then when they need it, they don't expect when something grows this game will fall, in which well, an ordinary person

is likely to lose, well, or with an equal degree , he can win, he can lose the real estate market. generally unpredictable. now everything will rise or now everything will fall. i'm definitely familiar with it. as an expert on stock markets, this is the most frequently asked question by me. when should you start investing? yes, exactly the same answer, you need to start investing when you are ripe, when you have decided your level, risk, you have calculated all your money, this is the amount you you can invest. in this case , there are stock markets and it is impossible to catch the moment, that is, you want to catch the moment, but you invest there equal to well, that is, they are like a gap, well, here you get a mortgage. yes, you correctly said that you feel your strength. take out a mortgage. well, i repeat , for those who watch our podcasts, the total burden on the budget should not be for payments on all loans. collectively mortgaged, washing machine. the phone should not exceed 30% otherwise, this strategy will be very difficult for you. well, you know now among those who are in arrears, for more than 90

days, the majority of those whose loan payments occupy 80% of their budgets. this is, well, not humane at all. i would say banks. uh, they promote 50, but 50 is a lot. here. just believe me, because as i communicate, here with investors with ordinary people 30%, let's just say this. uh, psychological comfort load in order to pay off ah. all interest on fire safety loans is understandable. our kidneys are not working. and that your only chance is to persuade someone

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obviously profitable premiere on football with denis kazansky on sunday on the first in a big game big bookmaker venline general partner of the russian premier league this is an easy money podcast, i am its host mikhail khanov citizen is real estate. this is the second question, which is a part of the wall, alekseevich has really already touched upon everyone's opinion such that these developers. they don't see the shores anymore, they've lost, they're tearing up the poor an african peasant where a peasant can get, that is, i don’t know twice the final price there, but you already said, or in my opinion, ignat said that this is not so. here. tell us the secret. what is the profitability of this business now, as always, is known only after you build it, sometimes you can go into the red. it's easy. sometimes you can go to the plus. it depends very much. here. yes, no, average

. you see, in this, like, again, there is a mass segment. there are more premium segment nose segment. so less risk point of view, not sales, here and there delaying e in a more premium segment. their risks, so to speak, may be a little more than potential, the margin is higher - this is such an average story. i'll tell you that developers don't know how greedy people are, all people are greedy and those who buy apartments when they sell them. i also bought them. i don't know for 10 million. for 10%. no, the maximum will be sold. how much can you sell it for? none of this, if it were some kind of oligopolistic market. it's there 20-30, yes, on average no of course, and again. this is how long the cycle is from the moment of buying a site to the moment of selling the last apartment. this is a minimum. there 6 years. this is a lot for any country in the world right now, where everything is fast -paced.