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and now the news of the economy in brief russia, following the results of monitoring oil contracts with a price ceiling, may take additional measures to limit the discount on its raw materials , the ministry of energy announced this, they promise to publish the details in the near future, the departmental reminded that the presidential decree on retaliatory measures implies, among other things refusal to work with traders who use the ceiling on russian oil prices, the ban on supplies. under such contracts , the first agro-industrial cluster in russia was created in bashkiria on february 1. the head of the region announced this for the sake of the khabirs. processing and transportation. the cost of class objects is estimated at 41 billion rubles.

the former nissan plant in st. petersburg will become the property of the avtovaz group in january-ferol , the head of the russian company maxim sokolov said . these are production and research facilities in st. petersburg, as well as a sales and marketing center. in moscow, surgutneftegaz notified the london stock exchange that it was ceasing trading in depositary receipts due to the failure of new york melan banks to function, let me remind you that russian issuers are required to initiate the delisting of their foreign receipts or request permission from the government for their circulation. in may, surgutneftegaz received such permission on an indefinite basis. this was economic news in short. the family comedy cheburashka

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january wins every third ticket. buy where it is convenient and how convenient in branded stores on the way to work , go shopping or right now on the website stoloto.ru 900 million russian cold 150 g of inconspicuous rich taste in one glass. try a real ice cream, russian cold is an incredible taste of living with prostatitis. is it possible to sell housing if the loan for it has not yet been paid off and is it profitable to buy property in a mortgage about the pros and cons such transactions will tell about leyla alnazarova in

the instruction program is it possible to sell an apartment on a mortgage, because it is pledged to the bank, you can even have several options, how they differ and what are the pros and cons we will tell in 5 minutes in the instruction program so there are three main ways sale of mortgage housing. the first is the early repayment of the loan, the second is the sale with the repayment of the mortgage during the transaction, and finally, the third is the sale of the apartment along with the debt. all of these options have their advantages and disadvantages. let's let's figure it out. which start with early repayment is the first and most difficult step to find a buyer. he will have to give money to close the loan. that is, in fact, to trust a complete stranger. so it is necessary and their guarantees can be provided by a preliminary contract of sale in it. it must be clearly stated that the buyer makes a target contribution and the seller can

only spend it on paying off this particular mortgage. it is necessary to indicate in what amount the debt from the seller. on what is it included in the loan agreement? who is the person obliged to get this idea about the seller, that is, the bank directly, and that is, all-all-all characteristics of the object. there must be indicated the second option of sale with mortgage repayment during the transaction. here the scheme is more difficult to get the bank's consent to the sale, and then a certificate of the remaining one for a long time on the mortgage , then the buyer deposits money in two deposit boxes for the bank. the same balance on the mortgage or sellers of the balance of the cost of the apartment. after that, the parties sign a contract of sale and register the transfer of ownership in the registry, then the seller receives a pledge obligation from the bank money from the first cell, and the new owner of the apartment a mortgage and then removes the encumbrance at the mfc the final step the seller takes the funds from the second bank cell each stage is under the control of the

bank, and this is the main plus. and the basics. the downside is that the buyer must have the entire amount to pay off the mortgage. well, if there is not enough money for his and your services, the third option, namely the sale of an apartment along with a debt, then there is a mortgage that is not repaid, but goes to a new borrower, the seller finds a buyer who is ready to purchase a loan apartment, again, the bank checks it on credit, if everything went well, the loan is reissued to another individual, the rest of the mortgage debt with all obligations goes to the new owner, i will say right away the second step and there is the main disadvantage of this option, because the bank checks the buyer as its new borrower, that is, very carefully, the credit history of the income statement is different documentation. all this will be needed. and the bank has every right at this stage to the buyer. that is, you, too, refuse. if you received approval, another problem may arise. credit conditions for the buyer may not be

as favorable as for the seller. to be the first borrower had some kind of special mortgage program under conditions that i don’t know, there is a large family, some kind of military personnel, some kind of special housing. well, now there are many and all sorts of different programs. here under the conditions, which are respectively, for example, a young family does not suitable, the second borrower, respectively, it is clear that the burden in favor of the bank will remain, but the mortgage program itself. it may be different. and here is the question. will it be profitable in this particular bank to take a mortgage for the second borrower, and if you change the bank, then the scheme becomes even more complicated, the place of the business triangle, the bank, the seller , the buyer, a square appears, that is , bank number two appears, and banks do not like this and rarely go for such combinations . too many actions. it must be done. this means the timing and risks of equity are growing.

for the sake of name and pluses of this variant. in the secondary market, as well as in the primary market , most people buy an apartment on credit without owning the entire amount. so there will be more people willing, the seller himself also does not need to have funds for early repayment, and finally. no need to go to the authorities and remove the burden of housing. this is already the concern of the new owner when he decides to pay off the mortgage. what about taxes? of course, they will have to be paid, as with the sale of any other real estate, there is a personal income tax , there are separate exceptional cases, there is a period of possession, after which the tax is no longer paid. there is a general period, there is a shortened period, which depends on the acquisition options. there is a gift of inheritance. or there, if this apartment is the only housing, well, that is, these are general norms , of course, there are no special norms for mortgage apartments. so once again, let's go over the three main

options for selling mortgage housing. the first early repayment of the loan. to do this, the buyer makes a deposit and must be i'm sure the money won't go to the left. so it is better to draw up a preliminary sale and purchase agreement, if the seller changes his mind, he will have to return the amount twice as much as the second method of sale with mortgage repayment during the transaction, the scheme is complicated with two deposit boxes. but every step under the control of the bank is the main drawback. here, the buyer should have the entire amount and finally, the third option for selling an apartment along with a mortgage is pitfalls , the bank may refuse a new borrower if the mortgage for the seller was preferential, then this does not mean that it will automatically remain the same for the buyer, but transferring the loan to another bank will not just leave questions. if you don’t want to get confused in the intricacies of the real estate market, especially when it comes to loans, write to our telegram, we will ask the experts and we will definitely tell you about everything in our next instruction.

in kyzyl, the construction of a buddhist temple is being completed, it will become the largest in russia, its height is 56 m, believers will come here on the first day of the lunar year. what else is amazing travelers tuva where yakov and tuva horses are bred, what is made from the neck of horses report by zinaida kurbatova? murmansk

is winter in tyva even colder than usual -42 degrees, the fire is made of juniper. this is how the rite itself worships the earth. athletes archers spend it before training. lying on the ground all in tones called the tuvan coat for men is preferable to the blue color of strength. from evil spirits, not superfluous before competitions, and in general, before an important matter, visit the shaman, the oldubchunaul bark has a lot

titles. he is the supreme shaman of russia of the republic of tuva, the chairman of the kyzyl-religious organization of shamans, the spirit of the bear takes in a separate office as a secretary helps to lead. ulyushevich's recording is impressive. what decoration of the office our film crew wished success and the white road. a successful trip of people from danger. a town two 20 km from kyzyl . this is one of the main signs and one of the main wealth of the republic of tuva is one of the most beautiful places. you are

the tandyrula mountain range, and here in the valley horses graze, than she, andara. he has a herd of thousands of horses of the oryol and tuva breeds, unpretentious undersized horses. the most important problem is the wolves for the last month. predators. they carried away 10 horses not far from the chedan in the town of tea lacquer , located near the chair near the khure, a buddhist temple. this new building is next to the ruins of an old temple blown up in 1937. these walls remind you of the history of you from 1914, then you were under the protectorate of the russian empire in 1921 revolutionaries created an independent people's republic there, well, tuva, where they fought, religions, built social networks. few people know that you became the first state, which on june 22, 1941, announced the support of the ussr to the red army, they helped immensely gave away the entire golden reserve of the country, sent cavalrymen 50,000 horses, helped with food and

warm clothes, completely. naturally, in 1944, tuva became part of the ussr, even on weekdays , on such a frost, people come to the temple, many parishioners, the service takes place twice in a day. if a man he was only good. you have to go from bad. renounce the ladies of a small but famous gorodok on may 21, 2015 , a museum was opened in a small house on lenin street. here, in the middle of the last century, they gave housing to a family of young specialists, kuzhugets. sirevich. later, he would become the editor-in-chief of the shin newspaper, that is, the truth and the secretary of the tuvan regional committee of the cpsu, the

children of alexandra and kuzhuget were born in this house. our, uh, great pride - this is sergeitarovich shoigu, minister of defense, present russian federation he was born in our small town. and e with the initiative of our e residents. uh, they created a house-museum, right here in this house. e desires in you it was called the country of blue rivers, sometimes underground waters freeze out and accidents occur on our way bear-mountain, then the passes are bald and short in front, the south-west of the republic of mongun taiga pozhuyn the border is near the moul because of this the trubnaya road because that there are primer stones everywhere. in winter, you can bring snow here, the village of kyzylkhaya in the translation of the red

rock, it is inaccessible of the fifth category equated to the regions of the far north, the village is located in the mountains. on the one side. ridge. chikhachev. it's even colder in here. you see, even a cow of local breeds is cold with wool, the village is three-story, as they joke here, the first floor is everywhere ancient mounds and old houses are higher on the next floors. new houses are solar baths. young people live here everywhere, and our way is higher into the mountains to the shepherd's camp. here is the first in the town of kyshtak at an altitude of 2,000 m, the mountains are sunset and an unusual herd. these are the animals that i, for example, i saw it only in the zoo, but here in the south-west of the republic of tuva in the highlands , yakov breeds wool to get meat, milk, and behind my back, the state farm herd of 200 heads and pay attention to black , yaks, this is a cross between anchor and cows. a young family irgit 3 years ago received

a stadovets under the governor's program. now they have to give the born animals to other young breeders. yes, since childhood, i dreamed of breeding yakov, these are beautiful mountain animals. they graze themselves, but from time to time you need to keep an eye on them at the dinolay alena stoyanka , only the younger senior studies with them and lives with relatives, the irgit family has a herd of horses and cows and sheep, electricity in the house is from solar panels, the stove is heated with traditional dung, without fail, adding a little honey and flour for the spirits of the owners in wearing blue clothes is a symbol of a clear sky. it is customary to treat travelers the table is covered with traditional dishes, fried flour, fish, grayling, meat, brightly, alena talks about how livestock breeders work to get up early in the morning hmm i’m standing at five in the morning, and this is another shepherd's camp in the town, bugalyk in his 68 alexander solgar. ryabkovsky nods at the

horse he and his wife polina have and a herd of horses. and, of course, they try to drive bright animals at night, fearing the wolves puppy closes his nose , the frost intensifies inside the house, everything is hung with literate alexander polina raised eight children, one military son is a specialist. military operations alexander shows awards at one time, he and polina fully provided milk to the hospital and the dairy kitchen in the region this year received honored worker of agriculture of russia you are 5 years ago. i hand over the cattle to the state without loss, they gave you, for example, 200 queens. i rent in a year 200, this is the highest figure in winter, shepherds live in houses. summer in yurts. polina shows her yurt in winter , she turns it into a big refrigerator. and this is a small private factory in kyzyl. where they make felt and constructions. instead of a nail , cattle skins are made for yurts, that is, there is not a single iron here without

a single one. yes, the factory is a family business. alexey arzhany. sarlar, they buy wool, sheep, then wash it from the chebans. this is the first steam machine cool clean machine after that you can make felt on a huge table, the wool poured with hot water is laid out and wrapped in fabric this water does not stop from felt do everything from covering yurts to seat pads and blankets when hmm the groom's parents. for the first time, uh, my daughter-in-law comes, they don’t believe they put me on such a rug, therefore, here are such rugs. our spouses sargyr are coming back to help our fighters they also send such miracle socks. these are socks with horse manes. these are the socks we, uh, send to the guys from because they are very warm and moisture. plants are afraid of dampness,

very good socks are afraid, it turns out families with many children, especially in the villages children are taught to play fodder, traditional belt wrestling is boys, all rbc train in a small hall built. it is necessary to take the opponent by the belt and knock him down or make him touch the ground . lion tyva, he has an image of the muzzle of a lion on his hat. i have a wrestling family, my uncle is my father. uh, they are famous athlete fighters. well, since childhood , i studied with them like that and i myself also lay down. to the outside world, singing with the head is an imitation of the sounds of nature. the singing of birds with the voice of

animals with the head is divided into four options. this is the most sacred thing - this is nature, and they treated the earth so carefully that even here the shoes are bent to protect the grass, a monument to the center of asia was erected by its author, the buryat sculptor dashi namdakov. he also made sculptures for the new buddhist temple. in kyzyl, everything is ready for the zun corpse ritual. this is the preliminary illumination of the incense oils of rice sweets and, of course, these are the mantra sutors, which are rolled up by volunteers, previously printed according to all the canons. all these items will be placed in the statues of the new sea. the temple of the tubtenshi pipes link will take on a finished look by the beginning

of february 2023 on february 21, on the first day of the new lunar year, it will be opened 56 m. with a height of 12 floors, it will be the largest buddhist temple in russia last time. tourists are increasingly coming to leo, especially from the altai territory, with which the republic borders . here, the so-called valley of the kings finds mounds, and in them the treasures of the ancient scythians kyzyl in the national museum of tyva open a gold pantry for us. one room is dedicated to the finds from the arzhan 2 mound. fortunately, it was not plundered. this is the burial place of the king and his wife. koney refers to the seventh century bc, the most amazing golden pants of the king, decorated with the smallest gold beads. if everyone knows the prozvirins of stilphs, then there is a sensation of 250,000 beads. to holes thinner than a human hair. but this discovery showed that, firstly, e, most

likely, the scythians went west from here and e became subjects of study for both herodotus and other researchers. and uh, actually from the kiev culture. hmm, as a nomadic civilization arose precisely on the territory of modern tuva, uh, what does arzhan 's finds say? lots of gold jewelry. you are waiting for archaeologists, tourists, lovers of antiquity , beautiful landscapes and pure springs, but it is still preferable to come in the summer. zinaida kurbatova viktor vinogradov gennady korneev and victoria anisimova to tell

i am svetlana reshetneva, the author of resistant wheat varieties and a participant in the russian bread project, and this is the

moment when i decided what i want to become. my father experimented with apple varieties, and my interest in science will grow. develop an interest in science from childhood. vladimir putin ruled a meeting with the head federal antimonopoly service maxim sha slippery, they discussed the work of the department, in particular, to regulate prices for socially significant goods. the federal theme of the policy is one of them is price control is important.