at the children's competition in vilnius, riga is obviously fake and persecutes even those who, in fact, cannot answer them. anastasia sakovskaya and oksana serzhantova lead the republic of belarus, sales of new cars in russia have been falling for several months in a row, russians. more and more people prefer used cars. how to properly prepare for a purchase on the secondary market, my colleague maria kudryavtseva will tell about this in the instruction program do you want to sell or buy a used car yourself, so as not to pay intermediaries in we will tell this program in 5 minutes? how to draw up a sales contract yourself, and what subtleties you should pay attention to, a sales contract for a car can be concluded in a simple written form, it does not need to be certified by a notary, the whole procedure will take literally 10 minutes, but in the beginning, of course, it is necessary get ready. if you are a buyer, then immediately study the history of the car and documents for it,

first of all, the vehicle passport of the tcp , it contains the entire history of owning the car, as well as its technical characteristics of the number chassis engine, the last six digits of the vin number and body, date of registration and deregistration it is desirable that the tcp be the original, and not a copy of the copy of the tcp, so check the car more carefully from november 1, 2020 in the salons draw up the tcp so much in electronic form and upon purchase issues only a paper statement can be checked for an electronic pts on a special portal of the electronic passport system. there you can find information not only on russian cars, but also on cars in other countries of the eurasian economic union, for example in belarus and kazakhstan it is also worth checking the car by vin in the traffic police there, you can find out how many times it was registered and whether it was in serious accidents, if the accidents were minor, they were registered according to the european protocol, then they

do not fall into the traffic police database, it is worth looking at the seller ’s passport , surname, name, patronymic in the tcp and in the passport must match. if not, then the seller must have a notarized, certified power of attorney for the sale from the owner; finally, it is better to go to the website of the bailiff service and check is the seller open enforcement proceedings and is the car under arrest? that is, we check it through the register of pledges, the first autocode is the autocode , and this is the second one, and we draw up the transaction through e, public services, and all the necessary information will still be displayed there. if we completely protect ourselves and get a certificate stating that we are bona fide benefits purchasers through a notary. this will be the best outcome that can only be predicted. in this case, the seller needs to print the sales contract form in three copies. one remains with the buyer, one with the seller and one more for the traffic police there is no single form,

but on the internet you will find many options in the contract. the date and place of the conclusion must be spelled out passport data of the seller and buyer this car and title no collateral for the car, that is, a loan, if it has been fully paid out, the procedure for transferring money and transferring the car act of transferring cars a receipt for receiving money in the act of the transfer fixes the very fact of the transfer of the car , marks on its technical condition, that is, indicate that the buyer gets acquainted with all the defects, if any, and most importantly, write that the buyers, the seller does not have each other. goes in parts makes up in two copies for the seller and for the buyer, they like to underestimate the amount of money in our country. in no case is it

recommended to do this in the amount of money in the banknote contract. you even need to write a real one, for which it would be realistic you buy or sell a car, and many people say that sellers will be taxed. this is such a popular favorite reason. however, in this situation there can be no tax, in principle, a tax on the sale of transpos. funds can be taxed on personal income , only in the event of income from the sale. it is clear that we have an unstable market there. prices are growing very much, but almost no one sells a car for more than he bought it. therefore, there is no income here. cannot arise. so the contract in triplicate is drawn up and other papers are signed, too, in order to sign in the tcp, they enter the data of the new owner there and indicate where and when the contract was concluded, put their signatures and the seller and the buyer, the seller receives the money and

transfers it to the buyer. both keys from the pts car, two copies of the sales contract and one copy of the act, transfer and keep one copy of the contract and one copy of the act, the buyer must register his purchase. if he does not do this, then the seller can terminate the registration through the public services portal of the vehicle registration termination service . while the car is registered to the seller , he will receive all the fines from the cameras, even if he is no longer driving, the seller has an obligation to file an income declaration if the car was in his possession less than three years. so, let 's repeat, the main thing is the contract for the sale of a car , you can draw up the most important thing is to check the history of the car, the contract is signed in three copies of the act, transfer and receipt of receipt of money is not necessary, but can sometimes come in handy. the buyer takes two copies of the contract with him, and

the seller leaves himself one question left. want to learn more about how to interact more effectively with the traffic police or with other departments. write to us on telegram and ask your questions. we will contact the experts about everything we will tell in the next editions of the instructions. during the first half of the year, vtb issued 537,000 loans to the population for 713 billion rubles. more than half of this the mortgage portfolio of retail loans of the bank grew to almost 4 trillion 800 billion rubles. about how this year will be for the banking sector where in the current situation it is better to invest money, and what to borrow my colleagues anna lazareva told anatoly pechatnikov, deputy chairman of the board of vtb anatolyevich hello. tell us with what results the retail lending market ended the first half of the year. the first half of the year was not easy, of course. that's it in the financial

sector, as for the whole country. here it is. but it's gratifying. here it should be noted that the beginning of july was just characterized by an active growth in the population's demand for financial services and an increase in lending. and today already here being there in the middle of july. you can already view. eh, the results of the year will be like this. we see something that, of course, the second half of the year will be very different from here and just resumes, uh, and on the mortgage curve, not secured by criticism of the citizens actively, and the banks of the funds fulfill their deposits. that's why, of course, at the end of this year as a whole we will see growth, we have a unique record last year. uh, in mortgages, for example, yes, but in general, but in general, we will be in the black. eh? the entire financial sector of the country, i think that the population's loan portfolio will grow by

five to six percent. there will be no reduction in loan portfolios, but in mortgages we will see maximum growth, of course. here, thanks to the support of the state. eh, in fact, people did not even notice this sharp increase in the key rate. yes, because these state programs worked, they worked stably, moreover, they were even expanded now in during the first half of the year, so it is in the mortgage business. we will see an increase of perhaps 15 percent of the debt of citizens in general , but last year's record for issuance, probably, will not be overcome this year, as regards mortgages. and many still took at a fairly high rate. yes, there in march-april, and you launched a refinancing program, if there is a demand for it, really today, when the level of market rates today reached, uh, 10. and a half percent, of course, those of our clients, who purchased housing from when the rates were

above 15, there was even such a period. today has the opportunity to refinance more than that part of the gosh program. in particular, family mortgages, children's mortgages. it is valid after a government decree and clarification of all the details of this program. it now implies the possibility for citizens to refinance and reduce e-rates on previously purchased loans. but this program is 3%, there are some such. well, this is our initiative. yes, this is our initiative. here we are as a whole we position ourselves as a financial institution. e. today, it's more like a family bank in england for every day. here we are very interested in the fact that, uh, all family members and children, and their parents and their parents, stop cooperating. that's why for us the family is, well, as it were, values, that's why we are for those of our clients. has children so have the intention to acquire housing. just an additional discount we present

from ourselves. yes, we are now lending at 3%, and families for the purchase of housing, just within the framework of this family mortgage. that is, in fact, we can say that the state program is now the driver of mortgage market growth. well, that was the case for the first half of the year. yes, because the volume of issuance under state programs is in the mortgage. reached 90%. here. now the situation is returning to normal , the secondary market is recovering, and not only in terms of mortgage lending in general . yes, people, uh, have restored their sales offers, people want to buy, and therefore now i am already thinking about the results of the second half of the year. we we will see parity somewhere around 50% of the issue will be within the framework of state programs. and this is what is connected with the construction salt and 50%. this will be the secondary market, so i think parities will be restored now, the structure of the mortgage market itself will be the same as it was last year. here. the market situation in the car loan market is slightly different. and what is happening now

is everything that is not a mortgage, everything that is not a mortgage. uh, the situation is a little more complicated there, well, in car loans. uh, well, we are all witnessing that we have a limited set of brands right now. presented in our country e not all cars. available for purchase today. here is their number. unfortunately, it is limited, so we are very much looking forward to the restart of domestic production there, a new state program. uh, subsidizing the purchase of domestic cars. here. uh, of course, there will be a more significant reduction than in mortgages. well , we think that in the market, according to the results of the first half of the year, the volume of sales will decrease by 60%, namely, car loans and the purchase of automotive equipment. i think in general the weather hmm of course, there will be no failure, because we are going to enter the growth phase. here i am, there will be a reduction of 30% , well, simply due to the fact that the assortment, of course, is sufficient today,

therefore, the efforts that the ministry of proptor is making today on subsidizing. uh, that means u customers who want to buy domestically produced cars. first of all, you have lada from electric cars. we will start producing in the fall. here, of course, it will be support. yes, market support and consumer support on friday, the central bank will hold meeting, what about the key rate? decrease, of course. uh, waiting for the decline m-m. uh, well, my personal estimate is that uh, 50 basis points, we will uh drop, i really want to believe in it and go to the ninth rate. i would very much like this year, of course, to have a single-digit mortgage rate, as it was in the 21st and 20th years, even in the most severe pandemics, we were able to lend at a rate below 10%. bank customers faced many problems. uh, in connection with the events of recent months. eh, now

the situation has stabilized, because we understand that these are deposits in foreign currency. and in general the situation with the currency. how is this issue resolved, that you offer customers. well, uh, you don't need to attach great importance to this issue. well, i can say from my bank that we have at least 1 million clients with some currency balances. so we have currency balances of more than 10,000. er, there are 100,000 people in total, so there really was, uh, february march, uh, a period of such turbulence, yes, when people were very worried. there the fate of their currency savings. today the situation is absolutely stabilized and normalized. so i think, in general, uh, in terms of there uh indicators of the country. i also think that there are some significant currency balances. and we have, well, no more than a million people from