[000:00:16;00] the central bank is developing standards for issuing mortgages on how the housing market is changing and when to expect lower interest rates on loans , elizaveta danilova elizaveta olegovna, director of the financial stability department of the bank of russia, told our channel in an interview . hello, the central bank introduced a number of restrictions on risky mortgage schemes. have you noticed is there an impact of these measures? yes, we see the impact of these measures, and we look in general at how the measures affected lending dynamics. and here we see that the negative effect on credit growth no, that is, the measures help to improve the situation, reduce risks, but at the same time

, lending even accelerated . the pace - just mortgages was 20.8%, whereas on may 1 it was 18%, that is, we see an acceleration. now, on to the risks. we've talked about how risky practices lead to higher prices in the primary market and we've seen numbers rising in terms of average loan size, for example, at the beginning of the twenty-second year , the average size. somewhere in the primary market was 4.2 million rubles. well, just in time. but we have these practices of joint developers' banks, and exceeded the average loan size of 6 million rubles. and now we see that already at the beginning of the year in recent months. our average loan size has returned to normal levels again - this is 4.8 million rubles. thus, we see that the market is moving away from

the practice of price completion in the financial stability review, the central bank warned that it would raise the issue of a legislative ban on risky schemes. if your measures do not lead, no result now is such an option is being considered. well , there is already legislative regulation, but it would be carried out if other measures did not really work while we are going, but with softer tools. these are our measures on reserves and macropermeable allowances and in addition, we are working on a standard for mortgage lending. which will just determine what kind of mortgage we would like to see, which would not carry excessive risks, and for citizens for banks and such a standard is in our work, when we develop it, we will discuss it with government and market participants debt of russians on the mortgage. in may it exceeded 15 trillion rubles. it became a historical maximum. how critical is the level of mortgage debt according to

the central bank uh-huh well, in general, it must be said that the share of mortgages is growing in our country, and the share of mortgages. we have exceeded half, and the debt of the population as a whole, but it must be taken into account that mortgage lending is long-term, that is , payments on loans are extended over time, which reduces the debt load of a person at the moment, therefore, we calculate such an indicator at the macro level as the payments of all borrowers to the income of the entire population, and, for example, it is indicative that as of january 1 of this year. there, this indicator for all loans was 11.2, that is, people spent an average of 11% on servicing loans and loans, not only borrowers, but in general everything, and for mortgages, this indicator was only two, about 2%, that is, the components of mortgages , small due to the fact that the terms are long and, in general, our mortgage is such a quality asset. yes

but, because in many respects it is still developing in our country. what is the share of borrowers with a high debt burden in mortgages now? ah, he was indeed right. you are right, we are looking at, and not just indicators at the macro level, because in part it is the average temperature in the hospital, it is very important to look at lending standards for exactly what kind of people, yes, with what, but levels of debt, banks actually give loans and here we, unfortunately, will see a deterioration in lending standards in our country. mortgages are the proportion of loans that provided to people with a sound load index of more than 80% unfortunately, it is 40% in the first quarter. this is more for us than for unsecured consumer lending, because in unsecured loans. we have a macro-potential limits tool. and we can directly limit this share. she left us 29% in the first quarter. and in

mortgages, as i said, 40%, we apparently see the growth of the mortgage market. and what is the forecast of the central bank for 2023, how will this market develop in general and what will be the growth in the mortgage market, our last published forecast assumed mortgage growth up to 17% this year, but taking into account the recent very strong numbers. of course, we will review this forecast in july. we will publish new forecast. and i think it will be around 20%. do you see the potential for lower mortgage rates now. but, unfortunately, now we see, uh, increased oppositional risks, we also see an increase in long-term ofz yields, which are also a benchmark for mortgages, and yields for a period of more than 10 years for a period of 10 years. we now have more than 11%, of course, in such conditions, we can expect a reduction in rates, but we probably shouldn’t, but we need to take into account that rates are not the only factor a important for

the demand for mortgages for citizens. also affordable housing is determined by real estate prices and incomes of citizens, and here we have, on the contrary, good news. we see, according to the data for the first quarter, that our prices have stabilized, that is, in the primary market. even slightly corrected down. what makes housing more affordable and also we see that our citizens' incomes are growing. including in real terms, the growth in incomes of citizens from january to april of this year amounted to 4.2% in real terms. compared to last year, and these two factors combined, of course, contribute to increased housing affordability and demand growth, which we see in the figures for the growth of mortgage lending. thank you very much for this interview. thank you in uralsib, we know that prospects are where feelings

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number somewhere online. cards please loved ones with convenient transfers within russia and more than 10 countries of the world and get not only emotions from meetings with friends, but also up to 30% cashback. do better every day get a free debit card for life vtb external enemies and are not able to destroy russia without internal unrest, the only main conditions for the success of the enemy, commented on the recent rebellions of the sleeveagner.

one of the most famous military journalists in the country, yevgeny, every meeting with yevgeny is a conversation, as if on bare nerves behind his stories and emotions. i will always hear the words. our fighters hit the enemy, who took refuge in a small defeat to himself comes to moscow in fits and starts. only for a short time. i leave the special operation zone, while admitting that all his previous experience of working in hot spots, like the five-day war in south ossetia, afghanistan or a series , cannot be compared with what is happening now in early june, along with other military commanders, eugene similar was invited to meeting with the president. did they think that in 10 days our fatherland

would be stabbed in the back, this rebellion became a test that we passed through the whole country, did yevgeny remember any important or even prophetic words at that moment, wait for the meeting in the kremlin, the fate of yevgeny for you, these are probably also such short moments when you can indicate here in moscow just happiness, maybe stay with your family a little. well, it's kind of a pause. yes, yes, of course, thank you very much in general for everything for everything, but these days we are heavy, like all of us, and i lived with this thing in my hands and read everything that you wrote and every word of yours, and it i put everything in its place here and here many of these people. you know intimately and personally you have been with them for the last year, and there is no

need to pass on the shoulder. i ask a lot about this, of course, you are talking about this ball, but before that, about something else, because a few days before that, about yours and all, uh, colleagues of the military correspondents , the meeting with the president was things like this, how it seemed to you, that this is what you in your conversation , what he really didn’t know and learned from yourself from you from one of the president’s colleagues is absolutely informed about everything. he personally communicates with the commanders of formations from division commanders. well, nothing surprised the president. and the look is important. the human view of what is happening, we , in this sense, are some kind of battery of advanced emotions, very often these emotions are vital for, uh, in order to perceive

information correctly in order to perceive information not in the workshop and facts about people. and in this sense, it seems to me that the supreme commander-in-chief, he can receive reliable information from us, which is also focused on human destinies across the state, there can be no important problems, but on a human scale it is important. therefore, one should not overestimate our information, which we brought to the president. he is well informed. but uh , it seems to me, i at least really hope that we can be our comments and questions and uh stories and

reports. uh, we complete the picture just by the fact that official documents and official communications between the supreme commander-in-chief and local commanders lack this emotion. the main emotion is advanced. today we are talking to you the counteroffensive is heavy and never burns. well, the sun, and what is this emotion? yes, there is no such one word, it is a bunch of very heavy , very vivid emotions, of course, first of all, the desire to win. she is in all this and

this fatigue and rage is real rage and when we have people, they are even for the time that the war lasts. they have not lost their human form and rage is not cruelty. i have seen many times as prisoners. that's just as a matter of fact, they took, as they were talked to, immediately in hot pursuit. well, maximum enemy without animals once upon a time i asked myself the question, how are ours.

how did they restrain themselves at all when they were an enemy on the territory of germany how, in general, a person, after having survived the soviet union, the country, all families, absolutely could not burn the whole territory of the enemy to hell, i never thought that this mechanism of uh humanity, i will see again in the 21st century. it seems to me that we keep something very important inside ourselves. and we don't go down to that edge. uh, where, for example, is the enemy now, our soldiers, they keep the human and they keep the light in soul, or something, yes, which does not allow you to do terrible things. it is very important. we must keep it to ourselves. here in our society. by the way, we must take care of this, even the experience of the second

world war and our patriotic war and the experience, when we were already in germany, you smashed german cities. uh, just the same, the so-called allies of the americans, who did not take a sip , we only sipped in that war. there they are teasing. i just dared to turn it into the desert, knowing in advance that it would definitely be the soviet e-e territories about this one too you can understand a lot, but the image of the russian kingdom. by the way, here is berlin, here is a soldier with a child. yes, this, well, this is what it is to wash away the topics that we will establish again now, as you say? well, this is a very serious parallel for me, because for me it has always been a huge question how, well, here is my grandfather, for example, yes, how he restrained this fury. well, they burned the inner village. eh, the brothers who died will understand you if you lose some of your humanity, because you are different, you have experienced terrible things. and so, as in this

situations to remain human. and now i understand, like this. because donetsk muzhiks who lost 8 years of their friends, their relatives, who hate the enemy. they keep inside this human flame. just like our grandfathers in germany , you surprisingly said that in a conversation with the president you did not surprise him, but there was something that surprised you. well, i would not like to talk in such categories at all, and meetings with the president, which is important, never go on about the audience. he is a realist and

rolls down. very easy for anyone. a problematic question to answer, we will definitely solve this problem right now, but this is a dishonest answer. complex problems cannot be solved overnight. that's why they are complex problems and the president talks very frankly with his country and other military correspondents guys. uh, talked live a lot frankly. in general, they directly started talking about what, uh, pmcs? and , especially since it’s already well, now it’s already clear that maybe it even went to this, because there were already some statements there were threats, public ones from prigozhin, even there at that meeting she came up with these shoulders. well, yes, and the president even then absolutely e clearly said that both the legal and actually e fighters of private private military companies were talking about not only a camp, uh, they uh, will be one way

or another, uh, connected with the minister. by contractual obligations of the barons, this entails both the responsibility of the state to them and, in fact, control, but , of course, there was no talk of an attempted rebellion. do you think the president, in principle, could assume such that the outcome of that tension that has already matured, because it can be so i will not assume for the president. i don't know, i'll be honest. so i did not assume that but the people who became the organizers of the rebellion. they can do it because it seemed to me that self-respect would not allow them to do it. i was wrong. for for us for all, but for you it was painful. well, this is a personal tragedy, and i

think for many it is personal. and i, with great respect, still do not depend on what i relate to the feat of fighters, uh, who do not spare their lives in the literal sense of life health. ah, fought for our country, for our people. it is very bitter and painful for me that the organizers of the rebellion dragged them into this foul story through manipulation. these people, under the guise of a march of justice , formed battle columns , took ammunition with them, loaded tanks on trawls, artillery, air defense systems and began to move towards moscow . uh, take up arms

against your brothers and cause trouble in the country during the war, and i'll be honest. i 've been talking to guys with tech numbers in this time they were and i told them one phrase. i say, why did you decide that you know more justice than all the other people did not support unity. this is indeed very important, but unity is not slogan-like. and the real and the real sincerely the only one and any internal turmoil can destroy us? how exactly did you say that we have passed the test for this maturity ratio to internal smoothies in my life i have seen dozens of times the consequences

of love spells, uh, in different countries of the world and in ukraine in particular. not yet in my memory one coup did not bring happiness in the country, so here are my personal tough assessments of moscow during the great war. this is a betrayal. and we must call a spade a spade. i perfectly understand when people get confused and start talking. they were not going to start a war. but i am to you as a person whose life has been connected with hostilities for many years. he says that when a person does not want to unleash a war, he goes without a weapon and on foot when he goes with

a machine gun. i got a few calls from, uh, and uh, from management. uh dude wagner who previously worked for the organization. well, this is an officer corps, in fact, yes, and one person said, u, such a phrase , he says, he would never have thought that, uh, i would be glad that i left the organization before the rebellion , because in this way all feats of arms without but no , honestly, i thought and think about the current tests about cars. this is natural , the operation, but i didn’t think about it, it really couldn’t come to my mind, that another test of imitation will fall out, the most terrible test for us, in fact. and what is the conclusion we are all like you

do you think the main one for themselves should be made from the same? question in a million i think the state will draw its own conclusions, if we talk about personal conclusions. i would say one phrase pride is a mortal sin. still, for this year with a little you see everything, with your own eyes everything every day these battles. what kind of people have changed on the front lines over this year with a little? now the people are fighting. now the people's army is fighting, the social military operation

is once again the state that we are a society of warriors. with all the ensuing consequences you hear we are going to victory in the same way as a tree grows. got a stem? there are branches, shoots , these are branches, maybe our mistakes. we began to walk, went to the side, realized that we were continuing in the wrong direction. as a result, the highest point of the crown is still the trunk. we will find our way to victory, we will definitely

find it. for every word that all this time you write and speak from there, you imagine how this word communicates closely with you, not only reads itself, because you have some kind that everything

will be fine. in crimea, a saboteur was detained who blew up the railway tracks in the bakhchisarai region , acted in the interests of ukrainian intelligence and gives confessions. what did the demolition man say there are severe floods in the irkutsk region we evacuated residents from some villages, how is the ministry of emergency situations coping and when will the elements recede? there is a position of the armed forces, which is under fire from the artillery of the russian army . we will tell the details in the report of our correspondent. what happens in other