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mortgage remains the main tool for purchasing housing in russia, and what awaits her in the face of sanctions, when prices per square meter stabilize, how to make renting an apartment more profitable than buying it? is it worth worrying about the safety of elevators after foreign manufacturers leave our market, and who benefits from politicizing sports, including the world cup in the frame, let's talk about this with the head of house.rf, vitaly mutko is a pilot, uh, the house of the russian federation is responsible for housing affordability for the russians, how are things going with this now, what is happening in the usual market? well, affordable housing is, of course, such a serious topic, and it is the key to solving housing problems, and it depends in many ways, of course, and from, uh, housing prices. and, of course, you don’t have to open it from people’s income, and this one , uh, these are the two key things on which accessibility depends. but the price,

of course, plays a very significant role, which, in principle, has been happening in recent years. we have seen that the last two years of the twenties and the twenty-first year, when, in general, somewhere we have upset the balance of simple and proposition. and here the key is containment. prices are in balance, simply and 95% of housing offers are, in fact, built on people's money, and such a market sphere. here prices are not regulated are not regulated by supply and demand and the balance plays a key. so in the twentieth year during the pandemic of 21, the state took a number of serious measures to support the demand that the balance was. well, due to the fact that construction in general is of an inertial nature, in order, let's say, to adapt to demand, it takes 2-3 years, in the twenty- first year 43 million m² of housing was withdrawn. now the same rates are even higher than in previous years. at the moment, there are already 35 million. in the twenty-second

year, the final of the year. how many will appear, but now it's hard to say how, uh, december will behave, but we see that now there are no houses sold. there is about 40 million m² on the market, so there is a demand. uh, today has been satisfied increased out of demand. maybe demand in future periods that shifted and prices began to stop and even how it means somewhere in real terms, and they began to decline in some projects, you think the same. the situation will be next year and more there will be a decrease in availability there, and will not occur. well, it must be borne in mind that the state, of course, always e macroeconomically controls this situation and tries to support either supply or demand, or in a complex, to one degree or another. it turns out that there is a market there, and instruments that are effective enough to maintain this balance. yes, so that we keep it under control, if we take the russian dollar about our measures, over these three years we have become such a full-cycle company. i said so in construction.

we are also engaged as an operator of state programs. here we deal with all these preferential ones together with banks. we support mortgages through mortgage bond instruments. today, every mortgage product. we have it guaranteed to the mother of the russian federation now for 1.5 trillion rubles. we hold mortgage bonds, returning our paper to them, which allows the bank. e continue to issue a mortgage on. we are developing master planning our key. the work of this attraction of inefficient lands of the sixteenth year, we have put into circulation about 19,000 hectares of the earth, and on this land the potential today is under 40 million m², and on these lands, at present, vienna but already 7 million m² of housing, and before the thirtieth year, the task on all the lands that we put into circulation should be 100 million square meters, a terrible figure to call, but this is how we are developing such

a serious program, that is, like rental housing. now we already have about seventeen projects with about 10,000 apartments in various regions of the country. corporate rent for our enterprises is a star plant or tobolskaya sibur . this theme. it's somehow in other er strange settled down better. maybe we need to shift the focus somehow. that's the direction you're talking about. we have 5% interest on all housing in the property, if there is a structure of housing ownership. well, let's say in other countries america there england take the median. there there under 67%. about 30-40 percent of housing there is rental housing. people who migrate want to live today, not take out a mortgage, they have to wait 3-4-5 years for this apartment, but people want to move in today. and it should be profitable. you have to count a person has to count. he looks. i will take you today

mortgage mortgage. something like menstruation, or i 'll take it today, and renting an apartment, which is more profitable for me, it turns out that we are hostages of some kind of mentality. well, basically, that's all. uh, young people already and people who are not tied to their place of residence are migrating. hey, experts. there they, of course, will use the rental fund more, and therefore now we are offering such rental housing to market players in moscow, yekaterinburg, tyumen and other cities. so students of the higher school of economics come students who are ready parents help to pay the university subsidizes the moraine fee. today we built 300 apartments and gave them to the higher school of economics. skoltechs live there, we are building a campus for them and there are already 410 suites for employees and such, for example. we already have a lot of instructions from the president to create up to 10,000 arena apartments in the far east, but we will continue to receive subsidies from the state and i am absolutely sure that this is such a very

serious future. i want to return to the issue of mortgages. now, there has been a lot of discussion about here the demand for it has been declining for several months. there inflation, they say, played a role. there were even talks that all mortgages ran out of steam. do you agree with such a maxim, or do we somehow have to continue this story in the future, you know. i think that the mortgage will never fizzle out because it is one of those basic tools. it may be one of the main tools for acquiring and housing by people, in general, we have a program there and there, in total there for 10-20 years there, well, we just do mortgages today hmm structure, which means, uh, let's say, our bank lending and retail mortgages , uh, well, this is not the most important role, but in general it is already the country's gdp. it's around ten percent. here at the end of the year there will be 14 trillion

mortgage loans. this is almost 10% of gdp if we take developed countries, serious large countries, which means they have it up to 60% there, that is , we still have potential, but according to our expert estimates of various specialists, we still have potential there until 15 percent growth since pen, what's going on? well, that's in arrears and one percent is very stable, and we've only seen were. and there, the eighth and ninth year, there are 14-15, and when this percentage reached seven, there it was up to eight percent. well, when people, well, once there were economic crises, they fell, there are sharp and incomes and there is a lot of uncertainty, so this is a very stable pro uh, so it didn’t turn out at all, people will use it. uh, now we are , in any case, as the houses of the russian federation as a development institution. we do everything that we explain to citizens, we have such a portal, ask the houses of the russian federation and up to two or three million there. uh, people go there, they come for

consultations, and we want to explain, yes, we explain to people. what kind of mortgage, where. what rights, because people should know we uh, have recently seen such a process of leaving our market for some brands, including, uh, gone, uh, brands that made elevators. uh, and it cost somehow a little bit for the residents of apartment buildings. uh, it's sad that there may be some prospect we don't have. you are not rosy with such an assessment. agree or not? of course. no. you probably live in a skyscraper. i have this some kind of domestic one, and so, i'll tell you that 95% of the housing stock that exists today, it means, is provided with our elevators and in this structure. this means that today the key plant is the plant, which now belongs to the house of the russian federation , this is the shcherbinsky elevator. construction plant. these are reliable serious elevators, which, of course, we

just don’t make high-rise ones there, well, up to 14 floors , all houses are provided with these elevators. and i can you to say that up to 25 years, up to 90,000 elevators are subject to replacement. basically, i don't see any problems. in general, the volume of the market is somewhere around 35-40 thousand elevators per year, of which there. 16:18 is capital repair funds for replacing old residential buildings with old elevators, and the rest is housing under construction. here. e, now there are up to 60,000 liters of ears on the market, than colleagues who left the first row of assets were acquired by domestic businessmen such as the father of the plant, for example, and the rest of the departed brands were replaced by colleagues from china turkey the course is good. they are quietly belarusians here. uh, the mogilev plant makes elevators. we have a karacharovsky plant, which we are also now engaged in its withdrawal from, uh, bankruptcy. this will be included in the group of our house of the russian federation and so on,

so we are doing it today, and good quality elevators understand that we need to move towards improving it there. we are now working on a place with the ministry of industry through it. uh, we're working on a new line of elevators, thinking huh? high-speed high- rise elevator private housing construction during the pandemic period gained particular popularity in the country. well, at least we saw an increase, yes, some activity in this direction, because our country is large and many people felt that, in general, it is possible to live not only in big cities. uh, in these people, we are making every effort to generally keep up with the demand for individual housing construction that exists in the country. well, first of all, you have to keep in mind that the whole growth of housing construction. in recent years. there are more than sixty percent. this is the growth individual housing construction. and, of course, of course, it did not

arise from scratch, and we see on public opinion issues, yes, in 60% of the residents of apartment buildings. we would like to live in our own house. there were many limiting factors here. now together with the ministry of construction by the government. we are filming all these things, firstly, we have taken up the standardization of this market. that is, now this is the first topic - it was held competitions and selected. all home kits that are produced are certified by their registry. e builders, who are willing to do. uh, then the government moved to the market. eh, this one has transferred all measures to support mortgage programs, all mortgage preferential subsidy programs, some of them can be bought from them and you can now take it and we saw that now at 13:30 130.000. there, for the purchase of a page of houses taken out loans, and already 23,000 specifically for individual housing construction , people took out only mortgages, if in previous years it was 1-2%, then we see that this year it can