the game went on air again, we were apprehensive when we entered this river in 1986, but you shouldn't get into a fight if you 're not so much subconsciously sure that you'll win, you promised a death-defying number, well, show it, show it, we played the season and generally speaking, it wasn't even implied that a new one would start, that is, it was decided, and they decided to try again, so be it, and that's how it was decided.

well, young people, what are you dreaming about, party, let me steer, it was a public slogan, very effective, they were very afraid, in january ninety-first year 12 teams had a joke nightmare on yazov street, so in august it all happened, as soon as the state.

and sveta and i went to him, i say, andrey, well listen, well help, advise, well we need a professional, a director, he looked at me, he says, he looked at her, looked at me, what kind of abnormal questions, i ask, and what kind of professional are you looking for, take a director, guys, what's the matter and go, that's it, everything is ready. what are you watching? okay, sasha, who will lead the jury? no need to tell me anything, who is leading you there? vasya or who? and where is he? i don't know the way. for more than 20 years , svetlana maslyakova has been the permanent director of kvn programs. and now we will reveal a little secret to you. all these years, you have been watching kvn through the eyes of a woman. svetlana anatolyevna, thank you very much, because it is you who can show kvn not only as cheerful

and resourceful. for the game with khai, we really took a loan and a large sum of money to pay for the flight and accommodation in the united states, this is not some negative moment from our biography, if we hadn't done this, i would not have seen new york, we would not have played in kvn, with kharkov aviation institute, it was a lot of fun, i don't regret it.

for example, i had two packs in my pocket, one we are moving towards you, i always had, the pack was called representative, the second simple ones, i smoked the simple ones, and i lit up the complex ones when someone from... who would allocate millions of dollars to teams , i think that no one would have achieved anything at all. we lived on the street, so there were one-legged people among us, we, yes, very much on one, on andrey babushka's pension, we lived in nine at

this festival, but we won, and this the main thing is because winning in kvn is worth any sacrifice. alexander maslyakov has trained thousands of kvn.

it turned out, it happened smoothly, that 's right, but kvn, in general , is essentially my everything, what will happen next, we'll see, but here there was no such exact moment when i chose whether kvn will be mine, my everything, or it will not be my everything, sasha was not particularly eager, no, sasha graduated from mgemo, he knows two languages ​​perfectly, he completed postgraduate studies.

history of railways izhd alexander we... got acquainted with your work with a colleague we are simply convinced that in the future you will become an excellent engineer, we will live and see, for now, if it were not for, alexander vasilyevich, if it were not for the editors, if it were not for the examples of other teams of the major league, the level of kvn would be much more, i do not want to say low, but it would be completely different, it would have such a character of amateur performance in... in its purest form, because hkvn, although it is called an amateur club, is still a professional amateur performance, and some participants of kvn, they are, of course, several heads higher than professionals, me sometimes they ask or say: oh, yes maslyakov, you are a dictator, i say, well

, you understand, well, in general, probably somewhere a dictator, because any creative work, someone must take the courage to take the trouble to say yes or no, so.

hand in connection with the fact that, well, winter, like snow, snow falls, then - i am responsible for the harshness that i sometimes show, but there is no desire to offend a person, much less hurt him, i - sometimes i am harsh to explain to a person that he is not good at it, that's where the harshness comes from. yes in general, i am a kind fluffy one, in a moment of glory -

it turned out that way, we have quite an interesting , sharp relationship with alexander vasilyevich, we did not come up with this dramaturgy and no one imposed it on us, but it turned out that he is a mentor, a father, and i, if you like, am his naughty or hooligan son all the time, well, let's say, a television one, this is exactly the number when i don't get it, when you... it is almost impossible to surprise maslyakov or baffle him with an unexpected question, but there is one person who does this with fantastic ease. will it be edible what you do? i was asked in one interview. well, what surprises you now, like, probably referring to some of the kven jokes, what surprises you? i said,

lately i've been very surprised by my granddaughter, because her logic, her fantasy, what she can say in relation to the situation, this surprises me and when she was 3 years old, alexander vasilyevich suggested that she do something, she says no, he says, well, why tasya, she says, well, i was born like this, well... this edible, no, yes edible, well let me try, let grandpa try, fantastic, yes to me, cookies, well you are just great, real, better than nothing in life, i have not eaten, well done, well done, you will feed mom and dad, grandma and grandpa, yes, yes, good evening, good evening, dear viewers, hello, dear fidgets! "i am pleased that i have the opportunity to congratulate you on a wonderful holiday, happy

birthday, happy twentieth anniversary, what should i say for starters, we are starting kvn, we still want to grandchildren, our children hear us, because girl, that's all clear, but i've somehow gotten used to boys, i want a grandson, if only grandparents would take their granddaughter to themselves more often, as often as my father's parents took her from me"? perhaps it would be a little easier for us to deal with her if her grandson had already appeared, but i forgot to say, well, i made a wish on the polar star, so that my grandfather would always be young, i made a wish on the polar star, yes, this is the first time i've heard it, you see, she made a wish on the polar star, so that my grandfather would always be young from the moment... now it's an international movement. in 1986

revival of kvn became a real russian one, and there was only one league in which six teams played. today, hundreds of teams play in twenty leagues. kvn is a mafia. if, well, such a wonderful mafia, you are stopped. a traffic cop on the street, and he is in china, he is a kvn player, he played in kvn or watches kvn, i will wait, i will achieve, this is my world. you come, i don’t know, to the clinic, there is a head, he played in kvn, you go to the duma, there, there are obviously kvn players. more than 10 million people play kvn in dozens of countries, more than

hundreds of teams. during this time, the country has changed, the game has changed. i have been lucky in life that i am mainly with young people, but i started with the youth, i worked with young people and it is interesting to me , i like it, and even i may not strive for this, but nevertheless, the overwhelming majority of my programs, in which i was involved in one way or another, are connected with young people, well , the main thing is believe that we... we value you all very much, if we say that there are mozarts, a gift from god, music, bitcoin, that's right, well, it is clear that indeed, such a gift from god, here to say that sasha also has a gift from god, yes, probably, because who else can raise or come up with such a presenter, please, members of the jury, be kind, yes, yes, gentlemen, then i will ask the press

to leave us, this is the idol award, so he came out on stage and said, literally two or three sentences, after which there was laughter and applause, i heard later, he came down from the stage and said: a man, you understand, you can immediately see a man, you know, the very, very greatest award, not a title, when they say: look, look how what kind of person, in our country this is. after all , a person is either native or ours, this is the highest, sasha very rarely gives interviews, everything that has been written about her has nothing to do with the yellow squat, there is nothing to cling to, you can come up with something, well, you can come up with something about someone, especially since he has nothing to write about anyway, but the fact that it

does not bounce back on him, well, no one writes badly about him, that's what an interesting amusement, and the main thing in life is not only about programs, not only concerns kvchikov, it concerns, probably, any person, you must remember that it didn't start with you, and it will all roll on from you, you have to remember that you are just,

at the very least, the next one, and there will be the next ones and there will be those before you. it was great, thank you all, thank you, this is the easy money podcast, its host is mikhail khanov, preferential mortgage, today we are looking into what has changed since july 1, what programs are in effect now, and what kind of housing can be purchased with the help of the current preferential programs from the state. our guest is alexey vyacheslavovich yakovlev, director of the department of financial policy of the ministry finance of the russian federation. hello,

alexey. mikhail, hello, thank you for inviting us to your studio. well, we actually learn information first-hand, to whom?

well, but in fact, the set of support measures, it is quite broad, well, but nevertheless, they need to be differentiated somewhat. in the eighteenth year, we launched the family mortgage program, it is still in effect today, by decision of the president it was extended until 2030, then we had a preferential mortgage, it appeared in 2020 in the covid period, because support was needed by everyone, both citizens in purchasing housing, and our builders, since it was expected that, taking into account... all the restrictions, there was a significant decrease in demand and the possibility of introducing new housing, this program was completed as planned on july 1 of this year, that is why

a broad preferential program that applied to all categories of citizens, regardless of the presence of a social factor, such as having a child, or geographic, respectively, location, that is why this program with july 1 is not valid and... do you remember what the rate was? 8%, 8%, and 8% appeared at the stage of the last changes that were made to this program last year, initially it started with a rate of 6.5%, then there was such a systematic increase, because in fact this program was anti-crisis, that is, it was introduced precisely as a targeted measure during the covid period in order to support citizens and the construction industry. because the construction industry, you and i understand perfectly well that it is very resource-intensive and the material is capacious, that is, these are building materials, this is the use of equipment, this is

transport, this is a huge number of jobs, and actually the salary, which then continued to saturate small and medium-sized businesses, yes, the service sector, the so-called horika, yes, there are hotels, tourism, cafes, some kind of support methods through, actually , preferential mortgages, that is, through. for the development of the construction sector, it in turn there , little by little, these benefits, this money, they were distributed to very broad layers and de facto really helped small medium-sized businesses to survive during the pandemic, well , including yes, the construction industry - it's no secret, it probably has one of the highest multipliers for its contribution to the economy, so here the application of budgetary efforts, it really was, probably, and justified, yes, you're right, well, but returning to... to the specificity and anti-crisis nature of this program, it turned out that from an anti-crisis program it actually became quite widespread, which in principle, probably, to

some extent led to certain distortions in the market, since the share of programs with state support has become quite large, i will also talk about this a little later, for now i will return to listing all our support measures, and so the family mortgage, which is extended. year, the preferential mortgage, which ceased to be valid from july 1, then there is the far eastern mortgage, which is also valid until the thirtieth year, the rural mortgage, which is valid indefinitely, the it mortgage, which ends at the end of this year, the mortgage in the new subjects of the russian federation, the rates there are different or approximately the same, or will we deal with each point, we can actually spend the entire broadcast, i think, calmly talk about what the conditions are there, there are things that overlap. these are, first of all, the housing properties that can be purchased within the framework of these programs, this is the size of the down payment, now it is 20% for all programs with

the exception of mortgages in new entities, now let's talk about them, well, some interim results that can be summed up after the end of this mass preferential mortgages, it is no secret to anyone that a paradoxical situation has developed on the real estate market, when prices for primary housing exceeded prices for secondary housing by 40%, and the cost of this housing de facto increased there, well, according to some estimates, up to 100%, that is , twice, in fact, now our key rate is about 16, the preferential rate there was about six, well, let's say the base rate is eight, but the average preferential rate if you count there is about 6%, it turns out that, well , as they say, that's for that, yes, that is, you get money using subsidies states. twice as cheap, but the housing you buy costs twice as much as it would have cost without these programs, this point, it somehow, i don’t know, confused, didn’t bother the ministry of finance, well, it’s not that it confused or...

confused, this is probably the key factor, because when we talk about preferential mortgages, we are talking about the availability of housing first of all, that is, when a preferential rate appears, this means that the monthly payment burden is reduced, but of course, you are right, it should not happen that the reduction in the payment burden compensated by the increase in the cost per square meter, which really does exist, and speaking about the difference in prices between...

it grew to around 20%, and then with its consistent actions, the central bank lowered the rate there sometimes in steps of 3%, we came again, literally by september, i think, of the twenty-second year, we came to a rate of 8% again, then, actually , as a reaction to the emerging and growing inflation, including thanks to a huge number of preferential programs, not

only for housing. yes, but in a certain industry sector related to the geopolitical situation, we received with you a reverse growth of the key rate to the current sizes, the current ones up to 16%. so, returning to our topic of conversation, on average the rate, it still did not exceed twice, i think, the preferential mortgage rate for this entire period, and thus we can say that it was still profitable, it was cheaper than before the eighteenth year for the same. credit burden, yes, in general, those, the interrelations that you voiced, they there really are, we are forced to work with them, to focus on them, and, while we haven’t gone any further, i would also like to voice this point, that uh, the monetary policy key rate, it affects the lending sector that is not

preferential, that is, these are market rates. times higher at the moment than preferential, here for secondary housing, and preferential for primary housing, then the laws of the market come into play, we can’t do anything about it, there is demand, which is supported by the opportunity to take a preferential loan, there is the corresponding offer, which naturally adapts to this demand, here we have the picture that we have, that is why the decision was made

to complete the preferential mortgage as planned, because it is necessary, despite the fact that we have high rates in the economy, still pricing in the housing market, for credit products, to bring more to market mechanisms, so we set ourselves as a goal the average term of the share of preferential mortgages in the primary housing market of no more than 25%. today the figures are over 90%, that is, nine out of ten loans for primary housing - these are some or other state support programs. moreover, i know that many participants, well, partly unscrupulous, used some programs at the same time, now this topic is excluded, well, that is, i will explain that when you can act, let's say, you are an it specialist, you act as a guarantor for one of the loans at the same time you take out another mortgage loan for yourself, thus, you are de facto engaged in personal enrichment using the state benefit, and do not solve your current housing problems, urgent

question. just those decisions that were made primarily with regard to family mortgages, they, in our opinion, in the opinion of our colleagues, will allow us to form the balance that we are talking about. well, by the way, here, returning to the topic: profitable, unprofitable, even if we take

the same key rate there, which directly correlates with deposit rates, it was sometimes even more profitable to direct money simply to deposits, yes, receiving interest income, and combine between paying off a mortgage at a rate of eight, i know that very many this... some people took loans under several government support programs at once and it was really more profitable to put the money in a supply deposit there, well, let's say we have 16 key loans at 6%, this delta, i think it's great right away and there really were such cases, so it's important for us that we... it's important to support those categories of the population that need such support, so task number one is to eliminate investment demand for preferential programs. let me explain to our audience, investment demand for preferential programs - this means that you

use the funds received from the state benefit not to improve your living conditions, but to de facto receive additional income in this case , there is such a word as arbitration, that is, you compare.

we get out of this situation, the task is to make it as painless as possible for all participants in the process, well, let's then maybe figure it out in more detail, because we still have family mortgages,

far eastern, arctic, rural, preferential mortgage in the territories of new subjects of the russian federation and there is a process connected with large families 450,000 repayment in quality. if you were a man, you would have spat on everything took her, you think, if you decide, we'll leave, you'll take the girl with you, don't object, think, and whose will you be, i'm dimka tamilin, i was there in moscow, in moscow, with your mother, bedobor, with natasha what, i... i can't live without you, the premiere. tomorrow after the program time. st. petersburg, they 're coming back. evgeny semenenko, vladislav

tikidzhi, adelia petrosyan, pyotr gumennik, sofia akateva, mark kondratyuk, sofia muravyova, dmitry. aliyev, alexandra trusova, premiere of new programs, hot ice, opening of the season, live broadcasts on weekends. on the first, this is the podcast easy money and i am its host mikhail khanov, we continue the conversation about preferential mortgage programs in effect since july 1, 2024 in our country, for various categories of citizens and for various regions of the country, so what happened, what changed in the preferential family mortgage, let's just call it family, just family preferential. large-scale it is ended, yes, now we have a family, we have the year of the family, the current year

was declared by the president, therefore, accordingly , the main focus is on this category of citizens, what has changed, and today it is possible to receive a loan within the framework of a family mortgage at a rate of 6%, for families with at least one minor child under the age of 6 years, the initial payment is 20%, the maximum loan amount is 6 million in all subjects of the russian federation with the exception of moscow, and st. petersburg and two regions for these four regions, the maximum loan amount 12 million, but in this part nothing has changed, but there are still additional conditions, that is , if there are two minor children in the family, such families can get a loan at a rate of 6% for the purchase or construction of an individual residential building, also in all subjects of the russian federation and ... in addition, such families have access to loans for

apartment buildings, but not in all subjects of the russian federation, in thirty-five subjects, which are directly written out in the terms of the program, that is, they are directly listed, here is the logic for determining these subjects, it was built on the basis of the president's order, this is a region with a low level of housing construction, the current version of the rules also stipulates that an individual residential building must be built or purchased under a delvoe contract. participation within the framework of law 214, or under a contract using accounts from the crow, construction with through a contract using iskrow accounts, taking into account the fact that there was no specialized legislation yet, there is not yet in any program, here is a family mortgage, such a mechanism appeared, in fact it is really very valuable that we are actually for the first time this year after the innovation, after the completion of such a global six-year it turns out... we are discussing preferential mortgage programs,

and not just with the director of the department of the ministry of finance, the relevant one, which is responsible for this process, then, then, the far eastern arctic, let 's discuss together what these programs are, for what and to whom they might be of interest, the far eastern arctic mortgage is a single program that is distributed subjects of the far eastern federal district into regions and... in terms of the rates that apply, the program is probably one of the most favorable rates under this program, 2%, 2, 2%, who has access to this program, these are primarily young families again, families in which both family members are under 35 years of age inclusive, this is a general rule, this is a general rule, and either this is a single parent who has a minor child, no matter what age, this is a very... a good program that allows you to support both citizens,

accordingly, the sphere of housing construction in these regions, that is, the regions of the far east - what is this, this is the entire far eastern district, the far eastern federal district, that is, the entire district, yes, i think that our viewers listeners will look at the map, what is included there, and in addition to families under 35 years of age, this program is also available regardless of what age... a participant for teaching staff and employees of medical organizations, since it is important for us to support the social sphere in these regions, for employees of defense industry enterprises, as well as for participants of the svo, and we are talking about the fact that , on the contrary, people, representatives of these specialties are de facto our and the future of the present, because the way in which medical care is provided. citizens and the way in which we teach our children is

simply, well, de facto, this is the future of our state, which is what draws attention to it in this way, maybe not everywhere, yes, but in fact the far eastern the federal district is a huge territory that needs to be developed, the same arctic zone and here, well, in my opinion , a very correct decision was made in favor of those who, without a relative age, we are not talking about young families now, already... having lived there for many years, can improve their housing conditions dramatically, because a 2% mortgage is, well, practically free money, which is not very difficult. let's say so, then consider that you simply took a practically interest-free credit, in the conditions of the far eastern mortgage there is also a limit, the maximum loan amount that can be taken, it is 6 million, yes the same, but an exception was made for apartments with an area of ​​​​more than 60 km, for them the maximum limit is 9 million rubles,

that is, when buying a home of a larger area, you can accordingly take a loan in a larger amount, that is, one and a half. specialists, who are these, these are employees of accredited organizations, there is a special list that is maintained by the ministry of digital development, that is, this is a certain layer of citizens who certainly makes a great contribution to the development of our economy, especially in the context of digitalization, the transition to an ever-increasing

penetration of information technology, so the conditions here are quite good, this is...

rubles for cities with a population of more than 1 million people, the limit is 18 million. well , here, probably, a certain, let's say, a certain spread in the maximum loan amount, including correlates with the overall level of costs in the economy and with the level of tech wages by region no? by region no, there is this, accordingly, the distinction by the maximum loan amount depending on the locality in which the property is purchased. well, here in support of the decision of the government and the country's leadership, i can only say that this is again the same emphasis, that is, the state is focusing on the topic of the fact that now there are very interesting it specialties, because really now, well, almost no enterprise can do without a corresponding division, and if we are talking about companies that have chosen

the direction of their activities specifically it specialization, now especially the still nascent history with the introduction of artificial intelligence, because this is also... quite serious developments, all the platforms that are now operating in banks, in industrial companies, in marketplaces, yes, in sales, everywhere, you can’t do without, naturally, the state is interested in people studying, including those whom it spends huge amounts of money on, staying in the country, not just staying, starting families, having children, so here, well, someone may have questions, yes, why there here is 6 million in a family mortgage, here is nine, well, this is the emphasis for sure. the same as on the same far eastern regions, that is, the state thereby shows that it is interested in these industries, these specialists, these territories, yes, not forgetting, of course, as we discussed with you about representatives of the most important professions, this is medical care.