landscapes in frost draw nature on lake baikal. videos of tourists flooded social networks on freezing. it seems that you can look endlessly in some places, the waves instantly freezing draw geometric shapes in others, wide cracks divide the ice sheet into hundreds of particles. maria valieva and natalya volodina vester

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are stepping into the new year, this is not just a fight of korants. these are 365 new days of new important steps. happy new year gazprom hard even harder helps reduce inflammation. it looks like a cold, remember, berry juice tea

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checks of the antimonopoly service four times lowered margins on socially significant products last year, such data at a meeting with vladimir putin was given by the head of the department. maksim shaskolsky, the president , emphasized that in the current situation, control over pricing should remain a priority. more on this and other topics of conversation maria slobodyanskaya. the downward trend in inflation persists, but price control, especially for socially important goods, remains one of the most important tasks work on it vladimir putin discussed at a meeting with the head of the federal antimonopoly service. over the past year , the budget received more than 6 billion rubles. in the form of penalties for violating floor laws , food prices are prioritized to support increased yields and production. fas controls the procedure for allocating budget subsidies to

agricultural producers. lately . various authorities received 35 warnings. all departments must ensure non-discriminatory access to such means. in addition, control is due to the provision of mineral fertilizers to producers. they must be supplied at reasonable prices jointly with colleagues from the ministry of trades developed. with a household policy that takes into account the procedure for the formation of valuable fertilizer, the procedure for indexing such prices, the maximum volumes of remuneration. distributors and as a result such trade and household policies are approved by the largest e, manufacturers of mineral fertilizers and the federal antimonopoly service provide control over compliance with as a result, we have, agricultural products-producers are provided in full and with mineral fertilizers at affordable prices. separate work of the service is carried out on margins for socially significant food products. as a result of verification measures, the margins of federal retail chains decreased from 22:00 to 5.5%.

such responsible pricing was also supported by 79 regional retail chains. in addition, additional work in such categories as bread, milk, sugar, and the borscht set of the federal trade network were committed to each category to support on the most demanded products. also, the assessment is not higher than five percent. another important issue is medicine. they should not only be available, but also sold at the most favorable prices for consumers. as part of the mandatory re-registration of prices for essential medicines, fas revised more than 14,000 price tags. around 7,000 were reduced by an average of 35%. this allows citizens and the budget to save about 40 billion rubles annually. a year of work with the fund circle of goodness. also allowed adjust the cost of purchased medicines for children with serious illnesses. it has decreased by about 40%. verification activities are continuing in relation to the building materials market, not only the market, but also

certain actions by the actions of business entities, which, among other things, were guided by the so-called expert alternative. well, investigations were pouring in and cases were opened against metallurgists in relation to. uh, productive materials. without wood from aerated glass and the investigation continues and it can be said that, among other reasons, there is a decrease in prices for building materials last year , the service paid a lot of attention to the implementation of the program of social longevity, let me remind you. it has become lineless, and now not only citizens, but also medical and educational organizations do not need to pay for the construction of a gas pipeline to the borders of the site. however, many connection contracts were not executed on time as a result of the work of the phases. last year there was a reduction in their number of almost 100,000 to one and a half thousand. is it possible to sell a home if the loan for it has not yet been repaid and

is it profitable to buy real estate in a mortgage about the pros and cons of such transactions, leyla alnazarova will tell in the instruction program? is it possible to sell an apartment in 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 to sell 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 these options have their advantages and disadvantages. 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. this means that the preliminary contract of sale in it can provide the necessary guarantees.

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. you need to indicate which the size of the debt from the seller. what loan agreement is it under? who is the person obliged to receive this representation from 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. here is the balance on the mortgage or sellers balance 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 under bank control, 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 the debt, that is, the mortgage is not repaid, but transferred to a new borrower, the seller finds a buyer who is ready to purchase a loan apartment , again on credit, the bank checks it, if everything went well, the loan reissues the balance of the mortgage debt to another individual with all obligations passes 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, credit history income statement other documents. 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. being 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 that are here accordingly, for example, a young family is not suitable, the second borrower, respectively, it is clear that the encumbrance in favor of the bank will remain, but the mortgage program itself. she might be, uh, different. and here's 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. necessary undertake. this means that the terms and risks are growing, in fairness, let's name the pluses of this option. 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 in the sale of any other real estate tax on personal income is, there is a separate exceptional case, there is a period of ownership, after which the tax is not 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. first early repayment of the loan. to do this, the buyer makes a deposit and must be sure that the money will not 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 rather complicated with two deposit boxes. but every step under the control of the bank is the main drawback. here, the buyer must have the entire amount and, finally, the third option for selling an apartment along with a mortgage is underwater stones, the bank may refuse a new borrower, if the mortgage for the seller was preferential, this does not mean that it will automatically remain the same for the buyer, and transferring the loan to another bank will not just have 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. it 's winter. in tyva, it is even colder than usual -42 degrees, the fire is made of juniper. so the rite itself is the worship of the earth. athletes archers spend it before training. archers are preparing for the competition at the beloved step festival. this is the new year according to the lunar calendar, they shoot from tuvan traditional bows at targets. these are balls on the ground. all in colors are the so-called tuvan coat for men. preferably, blue is the color of strength, we still have the bow. eh, how's the amulet too? from evil spirits

it is not superfluous before the competitions, and in general , before an important matter, visit the shaman kor. oldu bee has many titles. he is the supreme shaman the russian republic of tyva, the chairman of the kyzyl skorreligious organization of shamans of the two bears, receives in a separate office the secretary helps to lead. ulushovich's recording impresses with what kind of office decoration our film crew wished success and the white roads. have a good trip people somewhere danger town. 220 km from kyzyl the route is good at each pass people tie colored ribbons to skillfully spirits around the herd of semi-wild horses, 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 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 and you since 1914 tuva was under the protectorate of the russian empire in 1921 the revolutionaries created an independent people's republic there, well, tuva, where they fought against religion. few people know socialism that you have become the first state, which on june 22, 1941, announced the support of the ussr to the red army

; 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 a day. if a man he must only good. ti from bad it is necessary. 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 is, uh, sergey shoigu, minister of defense of the current russian federation, he was born in our little one, he will be there short and uh with initiatives of our e residents. uh, they created a house-museum, right here in this house. e wishes. jealousy you called it 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, southwest. the republic of mongun, taiga kozhun, the border is near mongolia, because of this the road is large, because there are stones everywhere and it can be in winter

, it can be covered with snow, the village of kyzylkhaya in the translation of red rocks, it is difficult to access the fifth category is equated to districts far north the village is located in the mountains. on the one hand. 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 above on the next floors are new houses in the sun. rather , young people live here everywhere, and our path is higher into the mountains to the shepherd's camps. 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, saw only in zoo, and here in the south-west of the republic of tuva highlands yakov breeds wool to get meat milk wool here behind my back state farm herd of 200 heads and pay

attention to black, yaks, this is a mixture of bright and cows. the young irgit family received a herd of sheep 3 years ago 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 they need to be looked after. dino scarlet, alena three children. well, she’s a shepherd’s camp with them, only the younger ones study and live with their own family, the tambula family has horses and cows. and the electricity in the house from solar panels heats the sheep with traditional dung, without fail, adding a little honey and flour for the spirits, the owners in blue clothes - this is a symbol of the clear sky of satellites, it is customary to treat the table with traditional dishes, fried flour, fish, grayling, meat, brightly, alena talks about how livestock breeders work to get up early in the morning hmm five in the morning i'm standing, 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 a herd of horses. and of course. i'm ok, they try to drive the animals away at night, fearing the wolves, the puppy closes its nose, the frost intensifies inside the house everything is hung with literate alexander and polina raised eight children. one military son is involved in a special military operation. alexander shows awards. one time. they burned fully provided milk to the hospital and dairy. shit in the area is like this this year received the honored worker of agriculture of russia 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. sheeps live in houses. or there 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 structures for

yurts. instead of a nail, the skin of cattle is made, that is, not a single gland here without a single one. yes, the factory is being made family business aleksey arzhany, sargr, they buy wool, sheep. the chebans are further washed. this is the first steam machine after that you can make felt. on a huge table, the wool drenched in hot water is laid out and wrapped in cloth, this water does not stop from felt. they do everything from covering yurts to under sidelnikov and blankets, when hmm the groom's parents. they come for the first time, and they don’t care to put their daughter-in-law on such a rug, therefore , we have such rugs to order, spouses send help to our fighters and such a miracle socks. these are socks with horse manes. we

send these socks to the guys, because they are very warm and moisture. raw plants, very good socks are afraid, it turns out families with many children, especially children are taught to do sports. courage is popular . traditional belt wrestling. boys in the village of rbc train in a small gym built. you need to take the enemy by the belt and knock him down or make him touch the ground . the competition is taking place during the holidays of livestock breeders and the new year's eve. aidamir mangush, the state lion of tyva, on his hat image muzzle lion i have a wrestling family, uncle father. uh, they are famous fighters. prominent athletes, but from childhood i learned from them like that and i myself also got carried away that

singing is attentive to the world around me with my head - this is an imitation of the sounds of nature, birds singing in the voice of animals, my head changed into four options. uh. this is the most sacred thing - this is nature, and they treated the earth so carefully that even bent shoes to protect e grass in kyzyl a monument to the center of asia was erected by its author, the buryat sculptor dashi namdakov. he is made sculptures for the new buddhist temple. in kyzyl, everything is ready for the ceremony. probe. this is the preliminary lighting of the incense oils of rice sweets and, of course, these are the sutmantras, 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

tottenkh corpse blink will take on a finished look at the beginning of february 2023 from february 21. on the first day of the new lunar year, it will open 56 m in height. these floors will be the largest buddhist temple on on the territory of russia , tourists have been increasingly coming to tuva lately, 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 in kyzyl in the national tuva museum 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. horses belong to the seventh century bc, the most amazing golden pants of the king, adorned with tiny gold beads. if everyone knows about the animal style of the scythians, then

there is a sensation of 250,000 beads, their holes are thinner than a human hair. here's the opening so far. uh, it seemed that, firstly, uh, most likely, the scythians went west from chudo and uh became subjects of study for both yadot and other researchers uh, actually from the kievan culture hmm, as a nomadic civilization arose precisely on the territory of modern tuva uh , what does the finds of arzhan two in the summer of 2022 say about the archaeologist? from the army, konstantin chugunov discovered in in the valley of the kings, another burial place of a rich man with a lot of gold jewelry is waiting for you, 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 victoria anisimova

the frigate, admiral gorshkov, conducted a successful reflection exercise, so with the air , the tasks were worked out in the norwegian sea in difficult weather conditions, the ship, which entered combat service last week, was chained. close attention, not only of the norwegian military, but also of the world media, because the frigate is equipped with the latest hypersonic zircocon missiles, dmitry petrov will tell more about the frigate, admiral of the fleet of the soviet union gorshkov is already in the norwegian sea