season the most difficult elements, unique images all this without ratings, which means the skaters will feel calmer, started yesterday with short programs, today they will skate the free. the broadcast from st. petersburg will be conducted by the first channel, the beginning is at 15:30. that's all for now, see you. so, speaking about primary secondary housing, and the difference in prices, well, i think, here, probably, everyone understands, yes, that you have a market rate on a mortgage, which is currently more than twice as high as the preferential rate, 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 out a preferential loan, there is a corresponding supply, which naturally adjusts... to

this demand, so 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, to bring pricing in the housing market, for credit products more in line with market mechanisms, so we as a goal, the average term we set the share of preferential mortgages on the primary market of iron. no more than 25%. today the figure is over 90%. that is, nine out of ten loans for primary housing are one or another state support program. moreover, i know that many participants, well, partly unscrupulous, using 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 for yourself other. mortgage loan, so you,

well, are engaged in de facto personal enrichment, using state benefits, and do not solve your current housing problems, pressing issues, and i have another question: there was a strong lobby against the reduction of programs from the relevant ministries, well , first of all, from the construction sector. well, here, probably, the word lobby, it is not quite correct, since each, well , each department is naturally aimed at supporting the industry for which. they are responsible, and builders understand that there have arisen certain distortions, of course we see these distortions, so the task was to find solutions that would allow, on the one hand, to cool the lending market, and on the other hand, not to let the housing construction market collapse, because it would be worse for everyone if such a scenario were to be realized, so those decisions that were made primarily with regard to family mortgages, in our opinion and... in the opinion

of our colleagues, will allow us to create the balance we are talking about. well, by the way, 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 simply direct money into deposits, yes, receiving interest income, and combine it with mortgage payments at rates of eight, i know that many people used this, you hit the nail on the head, this was one of our arguments, including why... support measures need to be narrowed, some people took out loans under several state support programs at once, and it really was more profitable to put money into a deposit, supplies there, well, conditionally, we have 16 the key, you have a loan at 6%, this is the delta, i think it is immediately clear, this is great, and indeed there were such cases, so it is important for us that, it is important for us to support precisely those categories of the population that need such support, so task number one: this is to eliminate investment demand for

preferential programs, let me explain for our audience, investment demand for preferential programs, this means that you use the funds received with a benefit from the state not to improve your living conditions, but for, well, de facto, obtaining additional income, in this case from this, there is such a word as arbitration, that is, you compare the cost of money that you can receive from the state on a benefit, with their price, at which you can... sell to banks or investment companies, investing in certain instruments, well, let's talk about the most conservative ones, these are bank deposits, and this is really, as alexey said, it is 16, sometimes it reaches 18% for a certain period, that is, there is now a programs there for 9 months at 18%, and that makes this operation very profitable, that is, you take money at six from the state, and you place your own money at 18 and well... as they say,

the youth are asking for time, well, here you can say it in other words, and regarding this investment component, we are still talking about those categories.

citizens and for different regions of the country, so what happened, what changed in the preferential family mortgage, let's call it simply family, simply family, yes, because the preferential mortgage is large-scale, it ended, that's it, now we have a family one, we have a year of seven, the current year was declared by the president, therefore, accordingly

, the main focus is on this category of citizens, what has changed, 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 , the initial payment is 20%. the maximum loan amount is 6 million in all subjects of the russian federation except moscow st. petersburg and two regions for these four regions the maximum loan amount is 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, in addition, such families have access to loans for apartment buildings, but not in all subjects

of the russian federation, in 35 subjects, which directly written out in the terms of the program, that is, they are directly listed, here is the logic of determining these entities, it was built on the basis of the order. president - these are regions with a low level of housing construction, even in the current version of the rules it is stipulated that an individual residential building must be built or purchased under a shared participation agreement within the framework of law 214, or under a contract using iskrol accounts, construction with through a contract using accounts from the crow taking into account that still there was no specialized legislation, not yet in any program, here is a family mortgage mechanism. it actually appeared , it is really very valuable that we are actually this is the first time this year after the innovations after the completion of such a global six-year program of preferential mortgages, it turns out we are discussing, and not just with the director of the department of the ministry of finance,

the specialized one, which is actually responsible for this process, then the far east-arctic, let's probably talk together about what this is for... what and who might be interested in them far eastern arctic mortgage is a single program that applies to the subject of the far eastern federal district in the regions of the arctic zone, in terms of the rates that apply, the program is probably one of the most favorable rates for this program 2%, 2%. who is this program available to? these are primarily young families again, families in which both family members. up to and including 35 years of age, this is a general rule, this is a general rule, or this is a single parent, who there is a minor child, no matter what age, this is a very good program that allows you to support both citizens, and, accordingly, the housing construction sector

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. who belongs there, and in addition to families, up to 35 years of age, this program is also available regardless of that, a what age is the participant. for teachers 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 future present, because the way in which medical care is provided to citizens. and the way in which we teach our children is simply, well, de facto, this is the future of our state, which is

the fact that it is being paid attention to in this way, maybe not everywhere, yes, but in fact the far eastern 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 are of a relative age, we are not talking about young families now, already there...

yes, yes, including, well, it-mortgage and rural, yes, let me say briefly then, it-mortgage is a program that is aimed at supporting our it specialists, who are they, 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 , of course, make 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,

therefore, here the conditions are quite good, this is a rate of 5%, that is, we see that it is even lower than for a family mortgage, that's because, well, it's no secret, one of the tasks was to support those who for some time, perhaps, left, worked far away, here from our side, but then decided to return. of course, it is always necessary to retain personnel by age restrictions up to 50 years, so there are accordingly requirements for a certain level of wages, if an employee of an it company is under 35 years old , there are no such restrictions, if over 35 years old, accordingly there must be a minimum level of wages, that is, we even support adult it specialists, even adult it specialists support, from the point of in terms of the maximum... the size of the loan, it depends on the locality in which the property is purchased, that is, in

localities with a population of up to 1 million people, the maximum loan amount is 9 million 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, it also correlates with the overall level of expenses in the economy with the department, and if we are talking about companies that have chosen the direction of their activities, namely it specialization, now

especially the still emerging story with the introduction of artificial intelligence, because these are 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 for training, including those it spends huge amounts of money on. remain in the country, not just remain, start a family, give birth to children, so here , well, someone may have questions, yes why there is 6 million in family mortgage here, here nine, well this is exactly the accent.

urgently it is worth mentioning right away, there is no term, by the way, it is there until the thirtieth or further, until the end of the year, in the current, in the current edition, until the end of the year, yes, yeah, rural mortgage is valid indefinitely, also differs in the level of rates, it is from 0.1% point to 3%, respectively, that is, the maximum rate under the program is 3%, the criteria are primarily geography, that is, these are rural settlements, the only thing is that they participate. moscow, st. petersburg and the regions, because our task is to support precisely those rural regions where it is necessary to build, where it is necessary to retain people, rurality as, excuse me, is determined by the number of residents, or directly territorially, territorially, great, in new territories, in new subjects, yes,

this is also a very important program, then with very attractive conditions, this is a rate of 2%. that is, here we see regions of the far eastern federal district and the arctic with a similar rate, which need to be 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 conditions of this preferential mortgage program, and to use

the framework, that is, all support measures, they are synchronized in terms, 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 pay off the mortgage loan itself, that is, is it de facto maternity capital or not, no, it is not maternity capital, it is an additional measure for families in which a third or subsequent child was born after 2019, that is, an example of...

and not only from the above, just a market one, and also, what is important, and 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 with emphasis, by the sum, well, almost half a million, yes 450,000, which are specifically used for repayment, well , they can be used as a down payment. yes, well, great, no, it cannot be used for 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 say cynically that children are good and it is right that the state now supports those who, and i repeat once again, not

only think about themselves, but about what trace to leave behind, including. does not tolerate anything unnecessary, also not everyone can do that, well, when a man is understandable, yes, here is a girl, that lyuzhana and donbass, she

came, sat on a box, took a guitar, drank with us from the same bowl, this makes her native, a volunteer, yulia checherina is awarded a medal of a participant in a special military operation, her generation is fighting, who grew up on her song, this. nothing like that, incredibly beautiful very mystical, well risky, but just no other people, we want no one to interfere with us, and we want to do it with your hands, if these are the people i think... they have eyes everywhere, on kentiy evgenievich boyko, in fact, the gray cardinal, very soon you will be rewarded according to your merits, if i find out that you

have exchanged me for someone, i will curse from midnight on july 26, banknotes of the above denomination will be considered withdrawn from circulation, an interesting offer from an interesting man, what could be better for a woman, we will... ninel - the premiere of a multi-part film, tomorrow on the first, in the new season on the first, today we were auditioned for hort gracheva, great, yura, you definitely need to sing, come on, sing, what a unique gift you have, you hit such notes, what an upstart you think you are, clarke, it's you!

once i see you with this man, i 'll tell my father everything, you are mine, you are my wife, what do you want, give me back these 15 years, i thought everything was easy, i wanted fame, remember gorachev and his choir there shouldn't be a song of the year, sing so that the sun has risen, choir, premiere of a multi-part film, tomorrow after the program time. this is the easy money podcast, i am its host mikhail khanov, today we are looking into what has changed in the preferential mortgage programs from

the state. outside, probably, of the already preferential support measures, you and i have repeatedly said during the discussion that we have high market rates, some time will pass before they decrease, but we still proceed, probably, both you and i, from the fact that this will happen someday, that these rates. they will decrease, why am i saying this, still, those who really need to improve their housing conditions, but at the same time do not fall under the support measures that are currently in effect, they probably should not be afraid of market mortgages even at the rates that exist now, why? because, as we remember, there was already a cycle of high rates, this was the fifteenth year first of all, then there was no such a rapid decrease in starts. decrease, but at the same time the share of market, or rather not that the share, but these were market loans at market rates, they were taken, accordingly, they were serviced by people, but

what happened next, 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 previously received at high rates, well, that is, i myself took out a mortgage at a rate of about 15% in those years, yes, i had a year and a half to 2 years go by, i was paying off the loan that i had calculated based on this rate, then i received an sms from another bank, and not from mine, in which i had a loan taken out, that we pre-approved a mortgage loan for you there at a rate i don't remember already around 9%, that is, it is six percentage points lower than what i had, well, in fact, i will explain to our audience why this is happening, because?

with the conditions that have now arisen in the market, vambank, he considers and says, yes, here is a wonderful one, which everyone pays on time, especially since now there is a credit bureau , yes, they pay mortgage payments on time, why don't we get such a client under nine, because now this is the reality, yes, now the rate is nine, they take better than any scoring, yes, this is a program that determines how adequate you are to pay off the loan, in fact, your... credit history is the best scoring, so you were offered a rate, that is, you absolutely correctly emphasized that there is really no need to be afraid that you, you know, as our citizens say, we are getting into mortgage bondage, yes, you are entering into financial relations with the state, with companies, with developers under the current market conditions, and what alexey said, thank you very much, that these are market conditions, they change, believe me, that

they always... let's say, they might ask us, what if they grow? well, i think that if they grow, the rate, accordingly, cannot become higher, no one will increase the rate for you on the rate that is in the contract, but you can just look at it retrospectively, that is, there was already a similar precedent, and indeed most people refinanced their loans already at those rates that accordingly, they were formed and were more profitable, so here is a factor, if you really need to buy housing, you

understand that this question is on... yes, the rate is high, but you need to keep in mind that it will not always be like this, so you can pay conditionally for some time taking into account the high rate, then the conditions change, but you get housing, which, let's say, today costs one price, in 2 years, when you would expect rates to decrease, it will probably cost a little more, because well, of course, prices are, unfortunately, ours as a rule, they grow, that is, here we need to take a maximally responsible and balanced approach. to this decision, we don’t need to focus only on preferential programs, yes, this market instrument, it takes place 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 now have a rule in effect for all programs that a to use a preferential mortgage

the program can only one.

this is the podcast life of the remarkable, with you i am its host, writer alexey varlamov, my guests today are the great-granddaughter and great-great-granddaughter of leo tolstoy, marta albertini and fekla tolstaya. we will talk about the fate of the fat in the 20th century. marta is my father's second cousin, but you know, we are in the tolstoyan family, you have been in our companies many times, we somehow do not consider this, here is still counting the generation, and so aunt and aunt. yes, we met 30 years ago in paris, i was lucky enough to get to marta on eightieth birthday, which was some time ago, we were in italy in the beautiful estate of albertinia torimpietro, and marta began to tell me about how she would like to get to know her russian roots better, i began to say: marta, well, come to russia, well , let you write a book,

and for hours and hours and hours i sat in we sat together or she sat with one of her colleagues in the tolstoy museum in the archive, absolutely not getting tired, because it was quite a difficult job and we read letters, old correspondence of tatyana lvovna, her grandmother, her mother, i translated into english for marta, marta took notes in italian, in the evening she came, in the evening she came home, and translated into french, and this went on for many weeks in a row, then...

such a performance and presentation in front of a mélange extraordinaire audience, when they ask questions, you speak for an hour and a half, then there is a line of 40 people to sign books, you have to talk to everyone, marta, are you tired, no, no, why not, go ahead, of course, go ahead, marta is amazing, simply, simply wonderful and no merit, i'm just like that, that's it you see, martha, what is your secret, as it seems to you, but i always know that this is from his slave and from his latin.

impressions of previous generations, somehow stayed with us, i want to say that this work of martha, it is very important, because it is not a scientific book, it is a very emotional story about the fate of a family against the backdrop of the fate of the country and about the great love for russia. this book reminded me of such a bestseller by pavel basinsky, leo tolstoy escape from paradise, where the author also writes very carefully about the tolstoy family. by the way, i wonder, marta, have you read basinsky's book?

someone from eastern religions in our culture, you and i talked about how to perceive nikolaevich simply in a family sense, if for a second, well, not to forget that he is a great writer and a great thinker, but simply perceive him as a family member and we criticized alva nikolaevich a little from a female point of view, yes, was he wrong? yes, but it is very interesting, it seems to me that...