the red clear transparent system market before the appearance of 214 federal law of the latest edition, as it was actually built, theoretically it was possible and there were situations when developers could spend the money of equity holders on the wrong projects in which they put money longer. now this situation is physically impossible. do it, the security industry and helped from digitalization in 2018 , the unified information system of housing construction earned a huge amount of data, for each construction company that attracts funds from citizens. everything is open. access, updated online is changing comfort is changing the transparency of decision-making, but nevertheless, information systems are being launched that allow the developer to optimize costs, allows you to quickly register the right of ownership or right. e. ddu encumbrance to the registry office. this is all aimed at improving the quality of construction. over

25 years, 60.5 million russians were able to improve their living conditions, and 13.5 million of them did this with the help of mortgages, including through preferential programs, mortgage lending in modern russia appeared in the late nineties. tried to issue kvazipotechnye loans for a year at an astronomical 36% yes, and in foreign currencies. many said that the mortgage in russia will not flow. this is not our tool, but we see that mortgages are in great demand, of course, affordable mortgages are very important. and for this, there must be low inflation. with low inflation , long-term interest rates become more stable. hmm uh. mortgage is a long loan in fact, the house of the russian federation from scratch created and standardized mortgages in russia notes in government. we did not have a mortgage almost completely today. we already have about 14 trillion. we see a mortgage portfolio. that is, this is already a large share of gdp. we are approaching 10% of gdp there. i believe that tamara, as a

development institution, plays a colossal role in the development of housing construction in our country today. if we evaluate the growth rates that we have , including thanks to working from home, the russian federation today is a single development institution in the housing sector. operator of all major state support programs preferential mortgages and family mortgages. far eastern mortgages work so effectively, the policy is so popular because at the very beginning of these programs we made the decision that the rf home should be an agent. this made it possible to make a normal market product, thanks to subsidies 830,000 families received. this is only under 7% and in the morning in litas more than two and a half trillion rubles. the far eastern mortgage, which was extended until the thirtieth year, has already helped to increase housing construction in the region by 1.80 times. and family mortgage plays a key role. it not only solves problems with housing, but also seriously spurred the birth rate. the house of the russian federation proposes to extend it indefinitely to all families with children and further reduce the rate when buying apartments over 55 square meters in the structure of construction,

housing, all 53%. this is a one-room apartment, but the need is much greater, and it turns out that families do not take large apartments. and it's holding back. here they are children could be turned on and some kind of nerve, support for stimulating the attraction of housing larger footage, so that people know their capabilities, the development institute launched a round-the -clock consultation center. it works absolutely free of charge. 10 million people have already been able to use it. another important tool for the development of secrecy of loans since 2016 has already been placed on a mortgage. securities for 1.5 trillion rubles. every tenth loan for housing is issued with the help of the central bank under the guarantee of the house of the russian federation until 2024, they want to attract up to 7 trillion rubles to the market. this will allow banks to cut rates, the more kidney bonds, the the greater the capacity of the market as a whole, the greater the mortgage. can be issued as part of our roadmap for domestic securities. we will indeed achieve such a reduction in steel. well, even with low rates, not everyone can take out a mortgage, so, according

to the president, the market for rental housing in the port or at home is developing. the russian federation already has almost 10,000 apartments. in the family, regions, preferential rent and projects for students appeared. you said at the forum in the far east that it is necessary to develop the lease. that 10.000 has we are ready to take operator. by the way, alexey is a program to implement it on a turnkey basis. especially since we have already launched sakhalin-magadan, such projects are the main condition for the development of the housing market. this is a full-fledged infrastructure and here with the help of infrastructure bonds. they allow developers to attract, suitable financing at the level of 4. interest, attracted by the placement of these securities, is transferred to the developer for new projects, thanks to such initiatives and large-scale state support, most families have ceased to shelve the housing issue, and the market real estate in russia has become, without exaggeration, a benchmark in terms of the level of digitalization security transparency. banks and brokers offer clients to open individual investment accounts, but first you should figure out what it is and

whether it is right for you, maria kudryavtseva will help you make the right choice in the instruction program more than 5 million people have opened individual investment accounts, most likely you have heard about them more often in total the name is shortened to an abbreviation from invest accounts often advertises banks, offering to open them instead of regular deposits. is it worth it to do this so that you can make the right decision of the program, the instruction will tell you in 5 minutes what is the meaning of iis and for whom it suits so why do we need individual investment accounts and owners can receive tax deductions from the state when they replenish iis, and you can also become an active trader and at the same time exempt your exchange income from taxes. to begin with, briefly about the two types of iis , we will still have a separate program about them, but now the main one is from type a, it is beneficial to those who receives a large white salary and pays a

lot of taxes on it, so that the benefit is a maximum of 52,000 rubles. you have to pay annually to the treasury. already or more income tax, that is, your official income must be at least 400,000 rubles. for a year, you need to replenish the investment account by 400,000 or more. if you want to get the maximum tax credit under this program, if you do not have the opportunity to save such an amount, or if you pay little income tax, then from by type, and not very suitable for you, for example, if you are unemployed pensioner, do not be fooled by the offer to put money into an investment account, type a from type b is useful if you trade a lot in the securities market and show a yield of more than 27% per year. that is, you have to monitor the movements of quotes on the market almost every day and conclude appropriate transactions. then you can exempt your income from income tax.

if you are an investor with little experience, then it is better, of course, to turn to funds. yes, this is a m-m ready-made set of investment tools shares, bonds, possibly some derivative financial instruments. it is formed by companies and have already balanced risks. inside yourself , you can look at mutual funds or the management strategies of large brokers. if you have more experience, you feel the strength and ability to choose papers on your own, then a set of strategies. uh, it can be a completely different classic investment portfolio is a portfolio of 60% stocks 40% bonds in practice, in any case, the return on there will be more investments than bank deposits. now rates on deposits. they went down along with the key rate of the central bank and in the

largest banks it does not exceed 7%, but if you open it and buy russian ones on it. on bonds and hold to maturity, you can receive eight or more percent per year, plus tax benefits from the state on investments, you can earn even more if you are ready to take on more risk and buy bonds of large russian corporations. or you can even take shares, but keep in mind that here you can not only win, but also lose a significant part of the funds. you have to understand the market. who is eligible to open an individual investment account. this can be done by any citizen of russia over 18 years old, but the rule is one of one per person, otherwise the right to tax benefits is lost. the main advantage. first, choose a broker, bank or management company to find the right option. look at the conditions that you are offered, firstly, you need to

carefully study the rates on the company's website and understand how much the service will cost you almost all companies charge a percentage. transactions, the smaller it is, the better, then. see if there are any other commissions, some companies charge money for account maintenance some amount per year or per month. you should also pay attention to this, there may be additional fees for connecting to the trading terminal, or the broker may charge money for depository services. that is, for keeping the securities that you buy, sometimes the broker requires payment from the settlement and cash service. that is, in order to withdraw money from a brokerage account to a personal bank account, it is important not to focus only on the tariff for transactions. sometimes it is deliberately underestimated and they earn much more on other commissions. this must be taken into account, it is also worth looking at the history of the company, how it survived the crisis of the twentieth , fourteenth, eighth, ninety-eighth year,

whether there were any complaints about it on the internet, it makes sense to read investor forms, and those platforms for discussion. the company does not control focus only on the reviews on the official website is another point of the convenience of working with a broker. does it have a mobile application, how convenient is it, what do other users write about it or can you work only through a trading terminal on a computer? the main question is how to choose the quality of management, and the main question is how to choose the cost of right here yes , you really need to look, that is, if the amount taken for management is higher than that of others, then you can safely change the management company, either the broker move to another procedure within months. if you have any assets, if the money is within a few days, so the only question is the provision of services for a certain commission, the size of which

just matters, and so all organizations are basically the same if talking about the cost of services, then in public access on the organization’s website, if we talk about the organization itself, how to evaluate it , of course, the first option is go to the website of the central bank where there is a register and where everything is registered licensed organizations that have the right, in principle, to work with others. well and accordingly with other tools. if we talk about specific organizations, where the management company of the best is worse, then here you already need to look at the ratings, and which are like ordinary users, that is, they put points, and also compete with each other. maybe, so to speak, the organizations have decided on the company where you will open the bottom . well, it's time to apply. this can be done through the company's website. at the same time, you you will need a passport and, in most cases, an account for public services, if you are registering with a bank you know, which already has your

copies of documents. anyway, be sure to check the list, if you decide to personally come to the department, then you need to take it with you. you can find out the passport and individual taxpayer number, either on the website of public services or look at the certificate of pension insurance snils small green card is usually the whole procedure for concluding a contract for brokerage services and opening an account records for trading in the application takes no more than half an hour, everything can be deposited and start investing. so, most importantly, each citizen can have one individual investment account. it can be opened with any broker or management company and in many banks for this choice. it is necessary to approach responsibly to study the commissions and tariffs to evaluate the convenience of work , there are still questions. you want to know what other investor support measures the state has. write shoot and send your videos. we will set your

questions to specialists and help you figure it out in our next instruction.

the kremlin expressed concern over information about the pressure drop and destruction on the gas pipelines to nord stream 1.2 and does not exclude any of the versions that occurred, including sabotage, and this is how presidential press secretary dmitry peskov commented on the information about the destruction on the gas pipeline this is very disturbing news, indeed we are talking about some destruction in the pipe. it is not yet clear what nature in the danish zone of non-economic and really dropped the pressure. this is a completely unprecedented situation that requires urgent analysis.