used to watching videos online? stopped working, install, open, watch, russian channels all tv series, movies and cartoons, educational programs and documentaries, watch, watch in the application or on the website. the issuance of mortgage

loans for the month decreased almost three times, follows from the data of the united credit bureau. the decrease is not surprising, it occurred from a very high base. over the previous month, russians took out loans for housing for only 292 billion rubles. at the same time, the first summer month turned out to be a record, then it was loans were provided for almost... 735 billion. in addition, the average volume of issued mortgage loans decreased by 20% to 3.82 thousand rubles. the average term also decreased from 24 years and 5 months to 21 years and 2 months. okb analysts noted that the issuance of housing loans for new buildings also significantly decreased. if last june they accounted for half of all loans issued, then in july their share decreased to a third. such noticeable.

during july, the market spent part of the month sorting out the conditions that would be family mortgage, we see on the market that demand has more or less recovered and the program has started to breathe its new life, at the same time...

in june, against the backdrop of cooling demand, such data are provided by the russian house of representatives. stagnation of prices is occurring in nine of the ten largest regions in terms of housing construction in the country, in moscow the cost of an apartment has decreased by 2% in a month after growing by 3% in june. then there was a rush demand before the end of the preferential mortgage. if we talk about forecasts until the end of the year, then we expect that prices will continue stagnate. until the end of the year, since demand will remain quite low, in general, by the end of the year, prices for new buildings will grow within the inflation rate, that is, in real terms they will decrease or remain practically unchanged. preferential mortgages have been in effect since april 2020, during which time more than 1.5 million loans were issued under it in the amount of over 6 trillion rubles, the programs currently in effect, including family mortgages and ...

mortgages are unlikely to keep demand at the same level, analysts believe, in any case, there will be no changes until october-november there is no point in expecting it on the market, and we will be in such, so to speak, stagnation, that is, some transactions will take place in any case, family mortgages will support the market, in the regions this is also it mortgages will also support the market, therefore we will definitely not go completely to zero or into some kind of crisis, and the market will live, but until the end of the year... it will most likely be such a sluggish-current sluggish-current sales, while the minimum rates on market mortgage programs have soared to a record high, reaching prohibitive levels, so in zbir they are 20%, in vtb - 20.5, in alfa bank 21.9%. the changes are due to the growth of the key rate. let me remind you that on july 26, the central bank raised it from 16 to 18%, this is the maximum since march 2022. at the next meetings, the regulator will consider

the advisability of further increase. against this background, the number of loans issued for the purchase of consumer goods in july decreased in russia by 3% compared to june and amounted to slightly more than 3 million. in monetary terms, the total volume amounted to almost 600 billion rubles. this is 1% less than in the previous month. the largest number consumer loans were issued in moscow, moscow region, krasnodar krai, as well as svetlovsk region and the republic of bashkartastan. i note that by the end of 2024 , analysts expect a further slowdown in retail mortgage lending. at the same time , already in the next 2 years, against the backdrop of a projected decrease in the key rate, consumer...

you can now transfer money between your accounts in almost any amount without a commission about what rules and tariffs are in the system. fast payments established by the bank of russia, we will tell you in 5 minutes in the instructions from may 1 you can transfer up to 30 million rubles per month without restrictions without commission on these transactions, how to use the limit is up to you, there are no daily limits on the amount, the only thing is that one transaction cannot be more than a million. if you need to collect money in one account, for example, for a large purchase of several million, you will have to make several transfers in a row. by law, banks do not have the right to limit.

restrictions to different banks, transactions in the amount of up to 30 million rubles. any restrictions on the number, on the amount of transfers, on the frequency transfers, the bank has no right to establish. moreover, banks have no right to establish any obligations for clients, and in order to use free transfers to yourself in different banks, buy, connect any. the rule about zero commission has two exceptions: the first, if the transaction takes place in a bank branch, since this is more labor-intensive. the second, if you transfer not by phone number, but by card, but in this case it is no longer sbp. before transferring money and

confirming in your mobile application operation, a person should once again pay attention to how... what phone number he chose, and what system he chose, for example, if a person wants to transfer money via the fast payment system, then he chooses a phone number, his own or his friend's, to whom he wants to transfer, be sure to use the transfer by phone number section of the options, where the logo of the fast payment system is shown, if the client makes a transfer... to himself between different banks in his mobile application within the limit established by law, i repeat, this is up to 30 million rubles, then in the commission section there should be zero, because these transfers to yourself in different banks in accordance with

the law are free. the limit on transfers to other people is 100,000 rubles per month, if you do not meet the limit, you will have to pay half a percent commission from the excess, but no more than ... the history of transfers between relatives is actually actively developing in russia now, many banks are investing in this, positioning their services as family transaction services, and there is no one social graph of the family, basically, there are no restrictions between relatives, these are standard operations for 100,000 rubles per month of transfers, a number of banks are trying. develop create conditions so that these relatives are somehow logically recorded at the level of banking systems, how can increasing the limit and canceling the commission help you? the main advantage is that it has now become much easier to transfer your savings between banks, and you can choose which financial

institutions offer more favorable conditions. by the way, a reminder that you have the deposit term ends must be sent to clients at least 5 days in advance. this requirement is in... the law itself, which set an increased limit on free transfers. how can you decide on which account you want to keep your money and, in general, how you are going to manage it? in addition to the websites and applications of the banks themselves, special portals and financial platforms will help you. they are free for individuals, and their work is monitored by the bank of russia. there are currently nine platforms operating in the country that are included in the special register of the central bank. not all of them may be suitable for you personally you, we advise you to go in and choose yourself. it is important that the deposit opened with the help of the financial platform will be protected, and you will find information about it in your profile on public services. the high key rate allows us now. to use different instruments that professional participants in the securities market offer, and

the yield on them will be comparable, even higher than bank deposits, and the risk orion is not much higher, for example, exchange-traded funds of the money market, in general, their yield is comparable to bank deposits, risks there are extremely low, you can buy them through a broker, many management companies have such exchange-traded funds in their product line, they are in great demand among investors. so, let's repeat the main thing. you can transfer up to 30 million rubles to yourself through the fast payment system without commission. per month, up to 100 thousand to other individuals. the number of transfers to yourself is not limited. now it has become easier to manage your money, for example, transfer it to the bank that offers a higher income on the deposit. remaining questions, want to learn more about how to choose financing instruments or about tax breaks for investors? write to us in telegram, make suggestions. topics, we will ask experts about everything and tell you in the next issues of our instructions.

this is america, a program about a country that is difficult to understand. hello. donald trump

has begun to lag behind in the presidential race. what has been happening with his campaign, since the replacement of joe biden with kamela harris, is increasingly difficult to attribute to a conspiracy of sociologists or the machinations of only the liberal press. agenda, its rallies are getting bigger, the republicans are already concerned about where everything is going, and the forty-fifth us president himself seems to have begun to understand that there are problems, otherwise trump, in an attempt to regain the initiative, would not have first held a large press conference in maralaga, and then arranged an audio session with musk on the x platform. there, however, everything went wrong from the very beginning. 40 minutes, those who wanted to join, listened to electronic music, who is to blame - a technical failure,

the deep state or iranian hackers, of course, they will still figure it out, but overall trump did not impress, plus or minus a set of his standard theses and standard reprises, it clearly does not pull on the interview of the century, as it was presented. komala would never have agreed to such a conversation, she is not... maybe because she is not smart enough, you know, she is not a very smart person. the interview was in audio format, but some video also leaked, trump looked rather strange sitting under a portrait of trump. there were memes, the republicans began to compare him with dafydak, because he lisped. the reason for these sound distortions is unclear, perhaps technical, perhaps tranviti's psychological state.

less than 90 days before the vote , the election race took a turn for which trump was clearly not prepared. just a month ago, he declared that victory was in his pocket, and his associates argued about who would get what position in the white house, but then everything changed. according to the new york

times, the newspaper cites its own sources, although this is a liberal publication, here too on ... to divide, but nevertheless, these sources report that trump is in a very difficult psychological state, he loses his temper, he is not in control of himself, he increasingly allows, but openly offensive statements about his rival. in the last few weeks, trump has often been in a bad mood and swore at kamela haris. on fox and friends, he called her disgusting, in private conversations, a bitch, which was stated by two people who heard this from trump. his rage has made him vulnerable to manipulation, even among close allies. by and large, with all these personal with his attacks, trump is repeating his successful first election campaign. then his opponent was hillary clinton, a person with a very serious anti-rating, and here trump

guessed the strategy, but with harris, it doesn’t work, because she is a different person, and so on... there is no irritation about her, as a result, by attacking harris’s personality, trump makes more and more mistakes. donald trump has shown us an excellent example of how not to conduct a presidential campaign. first of all, it would be nice to go out and meet with voters, and not sit in in his maralaga, while haris and walts visit several states in a week. in 5 days, kamela haris and tim bulls traveled through six states, including. such important ones as pennsylvania, michigan, georgia, well, and haris demonstrates the ability to learn, her silly laughter is gone, she now looks like an experienced person, well, and quite seasoned, well, and trump acts in the old way, which generally worsens his situation, and sometimes his

claims they already go beyond, so to speak, the limits of the objective. reality, well, for example, he accused harris's campaign of making photos from detroit, where crowds had gathered at the airport awaiting her arrival, trump said that all of this was generated by artificial intelligence, but after checking both the video and stills from the airport and talking to the participants of this rally, it turned out that trump's claims were groundless, everything really happened like that, people...

"i know willie brown very well, we once fell in a helicopter with him and thought that this was it, the end. we eventually made an emergency landing, but before that he managed to tell me there are some scary things about kamel. willie brown is alive, you can talk to him, and naturally, there were people who called him directly and decided to double-check trump's words, to find out if it was really true. it turned out that it was not. let's be clear, you have never flown in a helicopter with donald."

there will still be a serious race, in which there is no need to get personal, you need to stop obsessing over how many people came to her rally. republicans, those who are in the same camp with trump, give him good advice, they say that in fact harris has a lot to criticize, she has a number of very weak positions, but in particular she spoke out against private health insurance, against technology. this is the technology of hydraulic fracturing during gas extraction, it has, of course, its own history, in fact, of flowing a stream of illegal migration. in the country, in general, there are many serious topics and serious stories that need to be discussed, in the end, it is the economy and immigration, as evidenced by

poll data, that are the most important topics for american voters, but trump is not interested in this for some reason, he continues to repeat the same thing, the thesis of his speech about the activity.

svoboda, that at the right moment it is ready to change its position, but this also works, they do not disdain even the fact that they openly steal from trump and vence, their own election ideas, points of their election program. this is already some kind of political postmodernism, to put it carefully. when i return to the white house, we will prohibit taxing tips. we will cancel

the tax on tips for workers in the field service. but it was the republicans who have recently positioned themselves as defenders of blue collars. for this, trump took j. d. vence as his vice president, as a representative of the depths.

communicate with the press, realizing that she has problems with spontaneous communication, the fact is that her last such serious conversation with journalists took place in december 2023, then in 12 minutes she answered only six questions, but trump, who has much more experience participating in debates, realizing this is her weak point, causes her for three rounds at once.

here even began to spread some conspiracy theory that during the democratic convention in chicago biden will allegedly ask to come back again, ask to participate in the presidential race, of course this will not happen, it is clear that the convention in chicago will be another triumph for harris, she will continue to flicker in the news headlines, fill all the information niches, but this will continue, at least until the first... september until labor day, when, according to tradition , the presidential elections in the united states really begin campaign. it was america, all! all

the best to you.

let's translate from official language to understandable, everything is not so scary if there is an instruction, mom, why

do we need these? for a fairy tale, in the 39th kingdom, the thirtieth state.

the kiev regime is preparing a provocation, an explosion of the so-called dirty nuclear bomb, they plan to strike at ... the storage sites of spent nuclear fuel at the zaporizhzhya and kursk nuclear power plants, special warheads for this have already been brought to the city yellow waters of the dnepropetrovsk region at the eastern mining and processing enterprise plant. the goal is to blame russia for the provocation. this was reported by law enforcement agencies, citing interrogations of prisoners. a large number of western journalists have already arrived in sumy and zaporozhye to cover the staged action. this information is confirmed by...