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we watch to know everything about russia, the best historical series, watch, watch, in the application or on the website, help. to another person to get money from the bank means to take on financial responsibility, what it consists of, what can be required from the guarantor for the loan, all the details from stanislav bernwald in the program instructions. some probably encountered a request from close relatives or friends to become a guarantor for a loan, one visit to the bank,

several signatures, and the person gets the money. in fact, in such a scenario, you must immediately turn off emotions and think about a serious financial responsibility. what it consists of, we will tell. in 5 minutes in this issue of the program instructions. first of all , you need to understand that the surety is not a simple formality, not for the sake of a tick in the contract. this is a real willingness to fulfill the borrower's credit obligations. simply put, an agreement to repay the debt if he stops paying. in most cases, the lender specifies joint liability in the contract. this means that the bank can demand payment of the debt from both the borrower- guarantor at the same time, and from each of separately, in full. in part, another option is subsidiary liability, when the guarantor pays if it was not possible to collect money from the borrower. as a rule, banks provide for a mechanism of joint and several liability, moreover, if the surety agreement does not provide for the type, then by default it is determined that the guarantor

is jointly and severally liable. moreover, there may be several guarantors, and with joint and several liability, the bank can send a claim to either one guarantor or to all at the same time, while the bank can demand both the full execution of the debt repayment, and part of the debt, well, as a rule, in practice, the full execution of obligations under loan agreements is always required, and if we talk about subsidiary liability, then here the creditor, in this case the bank, can demand payment of funds from the guarantor only if the borrower has not fulfilled the obligations or ... and do not respond to the demands made to the banks. another important point, the guarantor in any case is responsible to the credit institution in the same amount as the borrower, that is, neither in the bank nor in court can you refer to your allegedly secondary role. the amount will include the principal debt, interest

accrued penalties without any discounts. by the way, if it comes to court, the guarantor will also have to bear the legal costs along with the bank's associated expenses if the debtor himself can no longer pay anyway. if both the borrower and the guarantor do not pay, the bank files a lawsuit against each of them. as a rule, this happens after 2-3 months of delays. banks can independently set those terms and those periods after which they go to court, this is the bank's policy taking into account civil legislation, the requirements of the central bank of russia, but most often this happens after 3 months, this is due to the rules of bankruptcy legislation, according to which, if the debtor does not fulfill the requirements for more than 3 months, an application can be filed against him to initiate a case on recognizing the debtor as bankrupt. the court considers the claim in most cases in favor of the bank sets a debt repayment schedule, if and this schedule is violated, the case is transferred

to the bailiffs, and they have the right to apply the same measures to the guarantor as to the borrower, namely, to seize accounts , block cards, assign a monthly deduction from wages in favor of the bank, seize and ... all the same tools can be applied as to the borrower. i do not want to exacerbate, but even death does not release the guarantor from financial obligations, they are transferred to the heir. in addition, non-payment of the surety negatively affects the credit history. if such a person through

a couple of years he himself will need a loan, an unpleasant surprise will await him at the bank. when the surety ends, after full payment of the debt or after the end of the surety agreement. and in the absence of such a term, if the bank does not file a claim within a year, or when transferring the debt to another person without the consent of the guarantor. we do not urge you to never act as a guarantor, but you need to take the situation seriously, assess the solvency of the borrower and your financial capabilities. so, let's repeat the most important things, speaking guarantor, you undertake to fulfill the borrower's credit obligations, if necessary, in full. if neither the debtor nor the guarantor pays, the bank can file a lawsuit against both, and if the situation does not change, the case will be transferred to the bailiffs, and they have the right to apply the same measures to the guarantor. as to the borrower, the surest way to end the guarantee is to pay off

the creditor. if you have any questions, want to know how to avoid taking on overwhelming financial obligations with one signature, subscribe to our telegram channel, ask, and we will bother the experts and will definitely tell you about everything in one of the next issues of our program. i wanted to open a deposit at 19%, it turns out you can at 21, i thought about opening a deposit in one bank, it turns out you can at once in different ones, for money your own marketplace, it turns out, open a deposit with a rate of 21%, finuslugi, a financial marketplace from the moscow exchange, it is not the first time antonina rents out her cozy apartment on avito real estate, so she knows how everything will spin, avito real estate, rent it out where they are looking. pash, look, what magic! get a debit

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more than 1000 km of waterways of russia by this indicator on russia by this indicator is in second place in the world after china. river routes allow faster and more profitable transportation of goods, delivering them to hard-to-reach areas, developing tourism. how marina gromova will tell you about business and what problems need to be solved to make rivers work more efficiently. the program has a solution.

people have always lived by rivers, they have healed rivers, a source of water, food, transport routes that connected cities and entire states, witnesses of epochal events. a lot of water has flowed under the bridge over the centuries and millennia, but rivers are still a symbol of life and their significance in ...

and continue working in winter, find these solutions, find these works and break the ice and move forward. what is good about a catamaran? more stable, the rocking is not felt here so much. can we say that the industry is also rushing forward, like modern kotabaradas. arrives, dynamically updated port infrastructure, inland waterway transport facilities, and also conduct. bottom deepening work, including on the volga, on the don, we create attractive conditions for our investors who are ready to invest in the construction of the most modern ships. large ship, large voyage in russia over 101.00 km of waterways for shipping is the second largest in the world. we are second only to china. more than 20,000 ships ply the rivers, of which more than 2,700

carry passengers, and in some regions, rivers are the only way to get to remote villages and towns, which is why it is so important to replenish the river passenger fleet. as part of the state program for the development of the transport system, 38 new ships for various purposes have been put into operation since 2019, and 28 of them were built in the last 2 years. the voldai ship is designed for 45 passengers, and at the same time it looks like a bus, like a submarine, because the exit is through the stern by a ladder. there are currently 18 such ships built, they operate in nizhny novgorod. your yakutia transported almost 175,000 passengers last year. baldai hydrofoils, like the legendary meteors, which were produced in large quantities in the soviet union. in the eighties , their production ceased, in 2017 it was revived, a new class of baldai ships appeared. they are placed on the wing in a historical place,

the alekseev design bureau was founded more than 70 years ago. you can see a clear division right on the map. if the european part of russia is dominated by the tourist function of these ships, then beyond the urals in the east there is a clear logistic transport function yakutsk, khantemansiysk , they stand out very much against this background, literally in yakutsk, yes, they have a formula, one passenger, two bags of cargo with you, two or three trips to the city during the summer, bring there for the entire winter, well, some kind of food, things, so can animals be on board or does it depend on the passport, it is not allowed, how does this happen? we won't tell you, the demand for high-speed hydrofoil hovercraft is huge, a sea-going meteor with an autopilot system is being designed, and this is another development of the bureau, the sagaris boat, which hovers over the water at a speed of up to 120 km per hour. today we have a fairly dense, large shipbuilding program,

we have more than enough contracts until the twenty-seventh year, and the program is formed according to requests from operators. well, government support is clearly evident, people are waiting for 80% components in ships today are of russian production, the main problem remained engines, but their development is already underway at factories in st. petersburg and yaroslavl, tests will begin soon, it is easier to make plans for the future when there is support, buyers are helped to buy, buyers are helped to operate, there are subsidies for passengers in order to keep the ticket price within the limits, for a specific region, for a specific point of operation. as our hero noted, in the european part of russia, ships often perform a tourist function, but river tourism is experiencing a surge in the north. demand for water travel is steadily increasing by 16% in 2023 compared to 2022, where will they go by river? the national tourism portal

puteshestviem. rf will help you choose the destination, it was created within the framework of the national project tourism and hospitality industry. it contains. many options for recreation, including ready-made routes, guides, including cruises, you can go sailing along lake baikal, yenisei, the cities of the golden ring, or even on an expedition from the taiga to the arctic circle, you generally often by rivers go somewhere or maybe went before, more than 30 years lived in st. petersburg, so of course there were river cruises. now these are mainly ferries, we have federal roads that do not have bridges, for example, the kalyma highway, and there is a ferry across the lena river, across the velyuy river, several times. i also crossed it. st. petersburg is one of the centers of domestic tourism. a river cruise is a mandatory part of the program. and more and more often people do not fly to the city by plane or come by train, but come by water. what is

the reason for the growth of cruise transportation and what further plans for the development of this fleet. in general, our domestic tourism is growing, we see it. well, of course, with the acquisition of new vessels, our travel companies are already making a modern offer to tourists for... there is a decree of the government of the russian federation, which allows our shipbuilders and co-income companies to use financial support in terms of subsidizing the acquisition of vessels. this program works well and more than 100 vessels are currently in production. we make people a little happier, tear them away from everyday life we ​​show them, eh, how

rich, interesting and diverse our country turns out to be. this company's portfolio includes more than one and a half thousand cruise routes, three-four-day ones to myshkin and uglich, soulful ones to ples, captivating ones with the beauty of the pristine nature of siberia along the yenisei. of the four people who come on board for the first time, three always return, well, probably, somewhere starting from the twenty-first year, we have been growing by 15-20% annually. one of the main tasks remains the renewal of the fleet, the ships are becoming obsolete, and passenger demands for comfort are growing, now three cruise ships, karelia, are being built at the nizhny novgorod plant by order of the company. tourism is generally one of the main components of russian tourism in general, it is very comfortable.

these are bottlenecks, first of all we are talking about gorodets, of course, the gorodets hydroelectric complex, well , there are depth restrictions, any ship, even one like this, needs to moor somewhere, therefore, in addition to shipbuilding, it is important to develop port infrastructure. shumtechniki are construction work that is currently underway at the gorodets hydroelectric complex, a large-scale project is already being implemented on the opposite bank. here is this metal structure,

water is pumped out from here, and here is a ready-made place for construction, here is a dry dock that requires modernization, a dam will be built behind the chamber, there will be more space for building platform ships, in fact, we are building capacities that will be built for us in the future. right now we have a big boom in our country, and at the same time there are no technical means to to carry out all these works, there are simply not enough of them physically, evgeny eremin's company specializes in the construction of infrastructure facilities for river transport, in st. petersburg is currently implementing a project to deepen the bottom of the gulf of finland in river forvators, without developing waterways, in general , it is impossible to talk about how production can develop there, well, okay, twice as much goods will be produced, twice as much grain will be collected, but where to send it? send it in sacks on horses, mortovaya infrastructure, waterways are the main method of delivery. over the past 5 years , cargo transportation by river transport has increased from 108

to 109 million tons. the dynamics were slowed down by a decline in 2023, influenced by sanctions and reductions in timber exports to unfriendly countries. this year , the situation began to change. in january-march, the volume of cargo transportation increased by more than 4%. and by the end of the year, it may increase by 13%. we regularly organize river transportation of all kinds of cargo along the rivers of russia and abroad and see this as a great potential. this transport group specializes in rail transportation, but not every region can be supplied with cargo by train. transportation of heavy special cargo for new construction, infrastructure and industrial facilities. such cargo can only be delivered by rivers, in this regard, river transportation is in great demand.

the state has big plans in this direction. development of inland waterways, one of the tasks of the future national project is an effective transport system. the zone of our special attention within the framework of the future national project. the creation of a modern, comfortable and safe transport infrastructure is multifunctional zones, transport and logistics hubs, where all types of transport will be involved: automobile transport, rail transport, and of course river transport. we assume that the implementation of these projects will meet the demand for freight transportation, historically, the most efficient transportation of large-tonnage cargo is carried out by river, and this is our advantage of our country, unfortunately, we see today that grain, fertilizer, even coal are transported on motorways, of course, the railways are loaded, these goods need to be redistributed, including

to our water... barter, because it is much cheaper and more effective in general for business and for the economy of our country. harnessing the energy of water is not so simple, but when it turns out to threaten this element to rise to the wave, then its power can be turned to your advantage. river transport, who knows about this, the complex effect of the energy of rivers, feeds. the country's economy can be restored to its advantage, yes , the germans had developed a very

good direct line by that time.

congratulated and wished for a speedy recovery. vladimir putin called our colleague evgeny podubny today, who was wounded in the kursk region and is currently undergoing treatment. evgeny is celebrating his birthday today. a motorized column with foreign equipment was destroyed, as well as strengthening of the ukrainian armed forces. vmenoborona reported on the effective actions of the black sea fleet marines in the korsk region. what is the situation? this hour? they were engaged in espionage and planned sabotage, in crimea, three agents of ukrainian intelligence were detained, what evidence are they giving and what information did they transmit? and in russia today they celebrate the day of the state flag. festive events are taking place in all regions in

some other countries. congratulations came even from