indefinitely, it is worth mentioning right away, there is no term, by the way, it is there until the thirtieth or further, no, until the end of the year, in the current, in the current version, until the end of the year, yes, yeah, rural mortgages are valid indefinitely, they also differ in the level of rates, it is from 0.1% percentage point to 3%, respectively, that is , the maximum rate under the program, and 3% criteria, this is primarily geography, that is , these are rural settlements, the only thing that does not participate.

that is, here we see regions of the far eastern federal district and the arctic with a similar rate, which need to support as a priority, the same conditions were accordingly projected onto new entities, where it is also necessary to introduce as much housing stock as possible, now construction is already starting to gain momentum, all primary construction, which has already been launched, falls under the terms of this preferential mortgage program, and in ... all citizens of the russian federation can use it, there are no restrictions, the main thing is geographic, validity period, validity period until the thirtieth year, also until the thirtieth year, even, well, and the last point, which i would like to complete, this is the repayment of mortgages for large families in the amount of 450 thousand rubles, what has changed there or nothing has changed, well, in fact, the term has changed, also the program has been extended until the thirtieth year, that is, you see, we live here in a common.

time frame, that is, all support measures, they are synchronized in terms of time, this is a very popular support measure, it really gives a good, let's say, financial effect, because this is the direction of funds to repay the mortgage loan directly, is this maternity capital de facto or not, no, this is not maternity capital, this is an additional measure for - families in which a third or subsequent child was born after 2019, that is...

and not only from the above-mentioned, just a market one, and also, what is important, received not only for primary housing, but for secondary housing, but in all these programs, these are also current measures, they are summed up, yes, of course, support for large families, is expressed, again, in an accentuated manner, amounts, well, almost half a million, yes 450.00, which are specifically used to pay off, well can use them as a down payment... contribution, yes, well great, no, it cannot be used as a down payment, it is maternity capital, that is , a citizen can take out a loan and literally the next day go and submit the necessary documents and receive a payment for repayment, but first he must take out this loan in any case, i will cynically say that children are good and right, that the state now supports those who, and i repeat once again, not only think about themselves, but about what leave a trace behind. including in the form

of properly brought up, educated children, the state itself helps in this regard to provide your families, our families with housing. masks, myocardial infarction, the symptoms can be different, heartburn, jaw pain , back pain, but all this is a heart attack, we will teach you to understand difficult problems, and as always, we will help you to be healthy, tomorrow on the first, i apologize for my appearance, here, but i would like to bring some clarity, who are you, and i am actually viktor vladinovich major hardened, the truth in resignation, volodya, i killed a man, sometimes women with high social responsibility are much more terrible than women with low, but nothing, exactly with... if i had known that you

were coming to exterminate cockroaches, i would have arrived in a limousine. do you know how it is with muslims? a child belongs to the father's clan, dad, and what your real wife did in the car with her first husband, you know, well, that's exactly what the investigation will have to establish, and in our yard, the interrupted season, on sunday on the first. this is the easy money podcast, me and him host mikhail khanov, today we are looking into what has changed in the preferential mortgage programs from the state, probably beyond the framework of preferential support measures, we

have repeatedly said during the discussion that we have high market rates, it will take some time before they go down, but we still assume, probably, both you and i, that this will happen someday. that these rates will go down, why am i saying this: after all, those who really need to improve their housing conditions, but at the same time do not fall under under the support measures that are currently in effect, they probably shouldn't be afraid of market mortgages even at the rates that are now, why? because, as we remember, there was already a cycle of high rates, this is the fifteenth year, first of all, there was not such a rapid decline in the start. but what happened then, as soon as the key rate went down, as soon as market rates began to fall, banks

began to offer their clients products for refinancing those loans that were received earlier at high rates, well, that is , conditionally, i myself in... took out a mortgage, supplies there are about 15%, yes, i have been one and a half to two years, i paid the loan, which was calculated for me based on this rate, then i received an sms from another bank, and not from mine, in which i took out a loan, that we pre-approved a mortgage loan for you there at a rate i don’t remember already about 9%, that is, this is six percentage points lower than what i had, well, in fact, i will explain to our audience why this is happening. because banks are interested in growing their client base, yes, the market economy is alive, when other banks, seeing, well, the conditional unfairness of the conditions that you had initially, with the conditions that have now arisen on the market, your bank, it considers and says, yes, here is a wonderful

alexey vyacheslavovich, who pays everything on time, especially now there is a credit bureau , yes, they pay mortgage payments on time, why don't we get such a client at nine. because now this is the reality, now they are taking a rate of nine already better than any scoring, yes, this is a program that determines how adequate you are to pay off a loan, in fact, your credit history bureau is the best scoring and that is why you are offered a rate, that is , you absolutely correctly emphasized that there is really no need to be afraid, that you know, as our citizens say, we are getting into mortgage bondage, yes, you are entering into monetary relations. with the state, with companies, with developers on the market conditions that exist now, and what he says, he said alexey, thank you very much that these are market conditions, they change, believe me, that always in a competitive economy in a market economy, the same banks, active

participants in this market, will not allow any one bank, which you took there now under the current conditions, to leave these conditions forever, rest assured that you will be offered.

in 2 years, when you would expect a reduction in rates, it will probably already cost a little more, because well, it is clear that prices, unfortunately, as a rule, grow, that is here we need to approach this decision with maximum responsibility, we don’t need to focus only on preferential programs, yes, this market instrument, it exists in any case, and as i said, we will probably see it after some time, when we have a reduction in rates in the economy, another important point that i forgot to mention from the point of view of preferential loans, we currently have a rule in effect for all programs that you can only use the preferential mortgage program... once, this is just one of the factors, yes, exceptions to investment demand, so

someone who took out a loan under one of the programs will no longer be able to take out a loan under another, and even to act, which is very reasonable, but the only exception is a family mortgage, there is an opportunity to get a loan under the terms of the program subject to the birth of a new child , repayment of the loan that is already under the preferential program, that is, conditionally. and our bride is ekaterina, ekaterina, 38 years old,

her husband's mistress did everything to destroy their family, even after her death. ekaterina, the owner of a glass recycling workshop, lives in the city of vyksa, is proud of the fact that for the third year now they have been decorating their houses with mosaics, dreams of building a castle in the medieval style, admits that she collects bottles all over the city, forgets to fill up the car, starts working after 6 pm. will not be able to find a common language with a lover of dogs, fishing and stories about past love, will marry a strong man who is not shy about dancing, playing children's games, raising his woman to make the bed after him. hello, girls, thank you for coming, what is this beautiful thing you have, hello, let me give you a gift, this is a handmade decor from my workshop. processed glass, that's right, i make jewelry, i make mosaics, i work with glass or what,

imagine, collects bottles, yes, just collects bottles, what didn't work out with your dogs, why shouldn't a man be attached to dogs, love them, and i just don't like it when a dog lives in an apartment, i think that an animal should have more space, i'm generally more of a cat person, i like bald ones cats, sphinxes, where did you get them from? did this italian husband or fiance appear? my story begins, probably, in 2013, when my dad made a gift for our family, he invited us to the coolest restaurant in the city so that we could celebrate the new year, so i was given the task to go order a menu to celebrate, tall, stately to me, well, i like tall girls inside the restaurant i met an italian, i didn’t think that he was a chef... when i saw him for the first time, he was very handsome, a stately man, it seemed to me that

philip kirkorov passed by, i was so surprised, it doesn’t surprise me, italians are like that, they are masters of sports of international class in making an impression on young women, not on young women either, i am giuseppe, oh how i remember, well, in general, although i am not italian. very good, he came up and offered: do you want me to treat you to tea, there is coffee, so he asked me if you have a boyfriend, and i said: no, i don’t have a boyfriend, i am a single girl, he says, can i go for a walk with you, i am leaving tomorrow, so can i to say at one point i left the restaurant with the chef, well, the main chef of the city, i like his eyes, his eyes really shine, when a girl's eyes shine, it speaks of... her frankness, of her inner fire, everything was very

fast, interesting, like in a movie, i guess, i essentially felt like such a cinderella, because he essentially paid for tickets to the dominican republic, to turkey, to italy, it was fantastic, my parents didn't know about it yet, but i already knew that we had tickets bought, how did the parents react, they let him go with a light heart, there was a matchmaking , he came to my parents with...