to the master of despair, the symbol of despair and the main symbol of fantastic people, medicines, equipment, to whom to list leave this choice, you want to contribute to the defense of the state, but you don't know how to invest in military bonds, support the cess now, buy a military bond worth 1,000 hryvnias , dollars or euros and return your funds with interest . your money is already working for our joint victory together with sess the number of deposits is unlimited details on the website bons.gov.ua this car has turned from a family car into an evacuation

seeing how many of the people need this evacuation, they could not have been hit by shelling in any other way, they received concussions, they were already preparing for capture, not everyone is born a leader. mom, i am going to the army. i want to go where it is difficult. directly to the scientists, this is bratskyi gave his life so that we could live heroes from monday to friday 21:15 in marathon the only news our weapon is the truth in the studio of the channel council we continue the only moment we will continue to work for information first of all briefly about the main topics together we are the only news in the center of events glory to ukraine

i congratulate everyone who is with us at this time on the clock 3:00 at night october 3 on the calendar 222 days of full-scale war continues and anton is fearful and traditionally at the beginning of a new information hour news release the armed forces of ukraine continue to liberate new territories in donetsk region from the russian occupiers military correspondent andrii tsaplienko made public the photo of the village, the information about the deoccupied torske was confirmed by the spokesman of the eastern group of the armed forces of ukraine, serhiy cherevaty, our units have already taken the village of torske on the way to crimea and are striking enemy units with fire and artillery fire that are trying to gain a foothold

in the flint and build a defense already without invaders and of the russian tricolor, the armed forces of ukraine completely cleared the city of liman in donetsk region from the invaders, but the successes of our soldiers are not limited to the liberated liman. the president of ukraine volodymyr zelenskyi said in a video message that he receives a report from the military twice a day and this week they are talking about the list of settlements that were liberated from the enemy, so when the ukrainian flag is returned, no one mentions the russian farce this week in the reports, the largest part of the reports is the list of those liberated from enemy settlements within the framework of our ongoing defense operations, the story of the liberation of the estuary in the donetsk region has now become the most media-focused, but the successes of our soldiers are not limited to lyman, you know this trend, recently someone somewhere held pseudo-referendums. and when

the ukrainian flag is returned, the pro-russian force with some pieces of paper, some annexations , no one mentions it except, of course, the law enforcement agencies of ukraine, because everyone who is involved in any elements of aggression against our state will be responsible for it. liman has been under occupation since the end of may on saturday. at the entrance to the city , a ukrainian flag was installed for the russian invaders. liman was one of the strongholds for the attack on slavyansk, now the armed forces of ukraine will be able to keep under fire control the road from the matchmaker to the criminal liberation of the estuary in donetsk shows that ukraine is making progress and is capable of repelling the invading troops , nato secretary general jens stoltenberg said this and jens stoltenberg joined in the congratulation pentagon chief lloyd austin called the successes of ukraine's armed forces inspiring and emphasized that the ukrainian soldiers did an excellent

job because they cut off the main supply routes of the russian army. this is a significant success. we are very inspired by what we see now, because all the key supply routes for the russian army in the region pass through the estuary. without these routes, the russians will have a more difficult time. they face a kind of dilemma of what to do next. and we believe that the ukrainians have done a great job to get to the estuary and start liberating the city. the first bed for the ukrainian fleet was lowered by hetman ivan mazepa. on the water in turkey, the first lady of ukraine, olena zelenska, announced this on social networks. she wished the corvette fair winds, calm seas and victories. i will remind you for the first time about the name of the future the corvette became known on august 18, then the president of ukraine volodymyr zelenskyy gave it the name

hetman ivan mazepa, in a month it became known that its hull was built in istanbul. the corvette will be adapted to all types of anti-ship missiles . in the presence of elena, the first corvette for our state was launched from those that must be built by the turkish side corvette hetman ivan mazepa, its construction began in the 21st year and will be completed at the appointed time, i consider it very symbolic that it received the same name despite a century of russian false propaganda historical truth and justice still win and there is no reason for our project to build a new fleet for ukraine to fail, we are implementing all planned plans to meet the needs of force defense, the commander-in -chief of the armed forces of ukraine valery zaluzhny and the chairman of the joint

chiefs of staff of the united states of america discussed mark milley thanked the entire american people and their leaders for their consistent and unwavering support for ukraine in this difficult time. the united states is ready to help the economy of ukraine by allocating one and a half billion dollars every month, investments will continue until the end of the war , bloomberg writes about this with reference to own sources in the white house, according to their data, the administration of president joe biden held negotiations with officials of the european union and insisted that europe do more in plan of financial assistance to kyiv, i would like to remind you that the leaders of the european union will discuss the financial needs of ukraine at an informal summit in prague, which will take place at the end of the next week, pope francis condemned new attempts to seize ukrainian territories by russia and called on putin to stop the war and zelenskyi to be open to serious proposals for peace. this was reported

by vatican news, the head of the roman catholic church emphasized that war is never a solution but only destruction and called for a ceasefire and the beginning of the negotiations, the pontiff strongly condemned the aggravation of the situation that has arisen in recent days due to russia's intentions to annex new ukrainian territories. according to him, this contradicts principles of international law and increases the threat of nuclear escalation, my appeal is addressed first of all to the president of the russian federation with a request to stop this spiral of violence and death in particular and for the sake of my own people, on the other hand . open to serious proposals for the peace of the champion of ukraine in chernivtsi, this is another case during the years of independence when

the duration of the competition took place in only one in the city, after the men's teams , the women's teams started the fight for the championship, why did the athletes return to ukraine from abroad, and what happens to domestic sports during the war, ivan syretskyi will tell how women volleyball players compete in chernivtsi, dozens of athletes who were recently abroad came to the city the russian invasion and could stay there because many were offered a career in italy, so ukraine could lose a whole generation of promising female athletes gave us decided that we need to let go, that we are patriots, the guys who protect us there are clearly not for the purpose of making a career for ourselves. we decided that it would be right to return to ukraine! protect

the yellow-blue colors, the air is so fresh, you understand that even when we are at war, the atmosphere in the country is much better for me personally, somehow even all my relatives breathe easier, now several teams have moved to live and train in chernivtsi, among them the season favorite prometheus from dnipropetrovsk oblast is very nice place and we are very nice here accepted, we feel at home here, everything is comfortable for us, everything is comfortable, although all the matches are without spectators and only representatives of other teams are in the stands, because the main condition of the tournament is safety, you start the game, the matches immediately sound the air alarm and not everyone is forced to run for shelter because we we understand all the risks of danger, we observe all the safety measures that are necessary today for our conditions, despite the full-scale

russian invasion, ukrainian professional sports must exist to educate the young generation that we for two or three years, we saw new stars of the ukrainian head, it was that the men who are filming children must develop children must go to school children must develop culturally from a boy , an element of culture and he must live, then we show the whole world that and we are so brave, we cannot be defeated ivan syretskyi vadim zarytskyi tv channel rada nationwide marathon single news here are the main news of ukraine and the world at the moment our team is already preparing the next issue i returned to this studio in less than an hour in the fourth, good night everyone and good morning, our weapon is the truth in the studio of the channel, glad we continue the unicorns, we will continue to work on the information summary about the main topics together, we

are the only force news in the center of events unconquered cities of ukraine kryvyi rih the iron heart of ukraine and the longest city in europe its man-made landscapes attract guests and industrial tourism is actively developing in the city the kryvyi rih lands were part of the zaporizhia army the central governing body of kish zaporizhia sich was located in the city during the archaeological excavations, the scythians were also excavated during the years of the nazi occupation, the head of the city administration, serhiy sherstyuk, led the popular resistance, introduced the

official use of the ukrainian language and the national anthem. also steel cossack character kryvyi rih unconquered my country my country in winter harsh and charming and you do not smell of flowers and birch trees grow from the landlord but my country is really bright and colorful in autumn, the dawn in my country is repeated and wonderful, they give birth to colorful rainbows, my country is covered with a soft blanket. wherever you are, you will always

return home to your ukraine. i will not give it to anyone at the station, i saw many tears when we we arrived in berlin we were of course very happy that we had already reached our house, there was almost nothing left and we were experiencing at least some kind of tragedy , she was stroking everything and saying that god sent you to us documentary film station hopes on wednesday at 9:30 p.m. in marathon, the only news on

our air continues, my maksym zborovsky works for you and we will continue to talk in this conversational studio about the state mortgage governs the program in affordable mortgage it was supposed to work from october 1, but so far the start date has been brought for by design, ukrainians will be able to buy housing on credit on favorable terms; first, the program will work for four privileged categories of the population, these are military personnel under contract and employees of the security and defense sector; the second category is doctors, the third, teachers and pedagogical workers, the fourth category, scientists, the mortgage rate for all these categories of citizens will be three percent, the term of the mortgage is up to 20 years, the minimum initial contribution is 20% of the cost of housing, they will be able to get a subsidized

mortgage . of the region, the person must not be under sanctions and participate in another government program, the basic condition for an affordable mortgage is 52.5 m² per person plus 21 square meters per of each family member, that is, a family of three people can expect to receive a mortgage for the purchase of an apartment of up to 94 and a half square meters , interest rates of 3% for the already mentioned categories of the population and seven for all others, but it will work later, how will it be possible to apply for the program affordable mortgage so, pay attention to the screen, the algorithm for participating in the mortgage program is as simplified as possible, a person will not need to go to the bank to submit an application, go through all the procedures, you can go through the action there , you need to submit an application and then the banks will approve decision based on the data obtained from the registers,

we will discuss this topic in the studio with oleg prykhodko, the general director of the development company. good day and skype with us. vasyl furman, deputy chairman of the board of the national bank of ukraine, mr. vasyl. of ukrainian banks joined our conversation greetings hello everyone, i am glad to hear from the new ones, how many years have there been talks about mortgages in ukraine a-a hmm this is probably not the first year when the next one starts the program is a mortgage program, but let's first of all , we will now conduct a

small lecture at the beginning of our conversation. builds a house and thus it turns out that a person settles with bank funds for the house he purchased, then during a certain period of time the person settles with the bank for the fact that she took funds from banks, used them to buy a house, the bank for providing such a financial service charges interest for the use of this service, that is, a mortgage is simply a financial mechanism that allows people who cannot directly take and buy real estate with your own funds, turn to the bank , take this service and pay with the bank’s money, therefore the developer receives the funds, the person receives

the apartment, and the bank receives the funds back with interest , e.e., on the mortgage. bankers, how do you assess affordable mortgages, their prospects, and uh, how much money is needed to satisfy uh, actually, the demand for affordable mortgages for banks, who should i contact well, let's start with mr. vasyl, the program is really necessary, uh, it is also needed by developers and to our citizens well, i think that the bank, including because it will give an opportunity to activate this line of work, the program has a significant economic and social effect, that is, well, i will start with the social affect, there are studies that say that 40% of households in ukraine are dissatisfied with housing

conditions, the war destroyed 50 million square meters of housing. that is, this program will help solve this problem, and it will not provide a lot of employees of the security agencies of the ministry of internal affairs and so on. well, in principle, also if we let's talk now about economic issues , it has a very significant economic effect, there are such studies that say that 1 hryvnia invested in construction gives the multiplier the opportunity to earn there 5-8 hryvnias more in sectors of the economy, one working the place created for construction additionally gives the opportunity to create five jobs there in other sectors of the economy of our mortgage, it developed very actively before the war, that is, the pace of development in the 21st year was significant, they were issued a-a in the 21st year more than 11,000 bank loans

system for the total amount of uah 9 billion and the growth rate compared to the 20th year increased three times, i.e. the dynamics were huge, the state introduced a program there, and attacks under this percentage and it also started to work, i.e. the war completely changed everything. it seems to me that well, in my opinion, that the war, well, the construction industry was the most affected among all the other industries that exist in our country. i recently attended a meeting. a large kyiv developer said that before the war, they sold somewhere on average there 250-300 apartments per month, and now they sell 5-7 apartments per month, and by the way, the situation in lviv is similar, and there are a little more apartments sold there. is undergoing technical preparation for launch and

the integration of the involved developer banks is taking place, i.e. a very complex program. it is necessary to clearly understand, because there was no such thing in our country , that you simply go into action, enter the necessary information, and you can essentially buy an e-e apartment there after a very short period of time that is, it seems to me that such a mechanism does not function in all of europe, but since we will say so in the direction of digitalization, it is one of the first, well, on many issues, it is a huge plus for everyone today. for banks, another huge plus for the future for other directions is that there is an opportunity in the future, also these three registers, which we all have a lot of. action will help us to solve this, so i will raise my hands for and for the successful implementation of this program, well, look, mr. andriy, before the war, the situation with housing in ukraine was

quite difficult. and the war made everything more difficult . 1,000 a-a z at the beginning of the war, as noted, mortgage programs stopped functioning altogether and banks even introduced credit holidays for the payment of housing loans, what has changed now in your opinion, ah, what, hmm, a state mortgage is becoming possible, i think that , thank you, uh, well, i'll start with your very first question, you they asked what a mortgage is, if you go back to the ancient greek and roman origins, and a mortgage is when you take a loan and answer with what you borrowed, i.e. if you took real estate, housing, then that's exactly what you and

you are responsible for it, you pay the interest. everything should be as it should be regarding the mortgage. really, look. this is quite an interesting mechanism, and i would even agree here in general with mr. vasyl about the fact that it is a very big driver for the economy, since the multiplier there is big, and it is difficult to by different calculations, someone says 1 hryvnia to even up to ten a-a gives such a multiplier from in simple language for people, let's explain what this means that contributions of 1 hryvnia to the structure of a-a as a result of new jobs, taxes and so on and at the exit can give an effect in 10 times more than you invested. now, regarding the indicators themselves, we need to divide this question into two blocks . there is a primary real estate market. there is a secondary real estate market. and what is the secondary real estate market? it is when a person buys, for example, a house that has already been

built . that this is new, well, a new building, but it has already been built and put into operation, the primary real estate market is when construction is just taking place or there are future e-e property rights, for example, when they are bought for construction and there is one very important point here, and when a person buys an apartment with his own funds or with credit funds, if this is a building, this is this apartment or a house. and she says developers are building, people will have the opportunity to get a loan to take this apartment under very favorable conditions three or seven percent in the hryvnia, developers are building, new jobs are being created, products are being bought for construction in ukraine

and in this way, this multiplier will be the best , so it is worth talking about this issue , dividing it into the primary market and the secondary market. now let's see what the situation is in ukraine regarding mortgages, unfortunately, it is about 87% 85% in ukraine. of the entire mortgage market - these are loans for the purchase of e-e real estate from the secondary market, that is, real estate is resold by the movement of the hand, but under credit funds it does not give a big powerful boost to the economy of the economy on which a-a can and in power count, including we in our expert groups, by the way, mr. vasyl and i often meet at the site of the confederation of builders of ukraine, where we discuss these tools from the point of view of financial tools, and we always talk about the need to increase the share of lending

of the primary real estate market and this program, it is interesting that it aims to set such positions because we analyzed how it will happen technically at this moment, i think it will be approximately like this, for example, the yellow ones begin to act the new program it will work at first, for sure, again, in the paradigm, it is better to go to the secondary real estate market, but i really like that in the office of the president and in other authorities, including the national bank , they clearly understand that the driver of the economy is will be through the primary market, a big boost for the economy will be when the mortgage will be lent , the new new building, the number of new jobs and new, well, purchased materials, and so on and so on. authors and in general, if we are talking about developers, when we are talking about developers, they are ready to increase the volume of e-e construction, the issues of

mortgages and loans, developers proved that they raised even before the war, because in ukraine, unfortunately for the population, there is no opportunity, the population does not have such incomes for a person to come and bought a home, therefore, a mortgage - this has always been a very important issue for both the developer and the consumers , therefore, all the organizations of the developers spoke and developed programs together with the banks in order to reduce the burden on loans and developers will all say that the better the conditions are for mortgages , the better it will be for them all taken together it is sold on

credit and it is clear that the bank takes the apartment as a pledge, if we are talking about the primary market, then there is no such right of ownership and at the moment this issue , well, probably since last year, at first, that is, it was very actively discussed in the verkhovna rada and already adopt some of the laws there regarding the strengthening of the protection of the rights of investors, that is, already home buyers, and regarding the protection of the rights of creditors, because if we do not change the legislation in this segment of the market, then we will not change anything, it is not because the banks are so bad that they want credit there 85 and there more interest in the secondary market must be protected for the rights of creditors and consumers, investors. if we do not adopt this legislation, believe me, we have been doing it for more than one year and more than one year. budgetary mechanisms, these are our means of solving these problems, we are going to europe, then we need to adopt european legislation in this direction, and it is sufficient. by the way, it is strong and protects

precisely in the first place and in addition to developers if we want to have low military rates in this segment . the lower the management risk, the lower the interest rate on such loans will be. mr. andrii, i also have a question for you, but please inform us what changes for housing accreditation in general the banks made during martial law eh, i will definitely answer this question, i just want to continue and support my colleague mr. vasyl furma, we have a reason, eh, we really have a problem in ukraine regarding the recognition of a pledge, eh, let's say a solid pledge, that is, when you buy an apartment already built