in july, the growth of the retail loan portfolio was minimal since the beginning of the year, as experts explain, the key role here was played by the end of preferential mortgages on new buildings at 8%, as well as the tightening of the central bank's requirements for borrower banks, according to the bank of russia. in july, the growth of consumer loans

amounted to 206 billion rubles, which is about five times less than in the previous months. before that , the minimum values ​​were in january, but experts explained this by seasonality, and even then the figures were higher. the slowdown in retail lending is an expected history, it is connected with two factors: first of all, it is certainly an increase in the central bank's discount rate , which made consumer lending extremely expensive, the second factor, which influences , strictly speaking, the reduction of consumer lending, is certainly the termination of preferential mortgage lending programs for a large number of participants in this process, not as fast as before, the issuance of consumer loans in certain large banks is growing, so according to the businessman: in

sberbank's volume of loans to the population increased by 56 billion rubles. before that, the minimum figure in february was 97 billion. alfabank had 62 billion rubles. this is also the smallest increase since february. analysts say that the dynamics are expected, because on july 1 , the preferential mortgage on new buildings at 8% ended. let me remind you that the program was launched in 2020 as a temporary measure to support the construction industry during the pandemic, then it was extended several times and i ... parameters, in total, the program accounted for about 60% of the issuance for the entire period of validity. now we have growth in july of the bank's loan portfolio is very, represents a very symbolic growth there in the area of ​​statistical error. we see this from the behavior of developers, they now have a very large area of ​​unsold housing in connection with this. with which they

are quite actively thinking about what to do with this housing, because the population is in no hurry to invest in mortgages at such high rates, so they need to attach this housing somewhere so that it brings at least some profit. and another reason is the tightening the central bank's requirements for banks borrowers in the unsecured lending sector. however, as experts explain, the cooling of the consumer lending market will play an important... role in curbing inflation according to rosstat, the consumer price index in annual terms exceeded the 9% mark in july. at a meeting on august 26, president vladimir putin noted that despite the increase in the key rate , loans to both individuals and legal entities continue to grow, and this situation significantly stimulates consumer demand. theoretically, yes, naturally, a decrease in volume of consumer lending, it should affect... volumes

of consumer demand and, probably, in theory should, at least slow down the growth of prices, as for the market... housing here everything is, in my opinion, a little more complicated, while the dynamics of issuing consumer loans has already begun to affect prices per square meter, as calculated by yandex real estate, in cities with a population of over a million we can already talk about stagnation, well, in half of the megacities about some reduction in prices, as experts explain, the market is being restructured for new conditions.

banks and microfinance organizations are now required to store the history of their communication with debtors for at least 3 years, and if a creditor's representative behaves inappropriately, threatens or insults the borrower, it will be possible to obtain evidence. in this issue, in 5 minutes, we will tell you what new obligations banks and mfis have. firstly, banks and microfinance organizations must purchase equipment and programs for recording and storing the history of communication with the client, and not just any, but the one that meets requirements established by the federal bailiff service. without equipment , the organization cannot collect overdue debt. if the equipment

breaks down or other circumstances arise that prevent recording, the bank is obliged to stop the dialogue with debtors and notify no later than the next working day. the history of interaction must be stored, as we have already said, for at least 3 years, and the recording includes personal meetings, telephone conversations, automated calls, as well as text, voice and basically any messages, these include notifications via public services and via any other websites on the internet, as well as information systems or computer programs. collectors had to and have complied with this requirement since january 1 , 2017, 3 years. had to store mfos in accordance with the internal standard adopted in so in 2017 had to store for 6 months, well, if there is equipment, that 6 months, that 3 years, does not pose major technical difficulties, banks did not have this obligation, it was finally introduced in action, so yes, these are basically

significant changes for banks, which now should not just kick back that we do not have this record, they must present it and have no right not to present it, at all. the borrower should not be too intrusive, since the seventeenth year there is a law that limits collectors, personal meetings no more than once a week, telephone conversations once a day, twice a week, eight times a month, a message twice a day, four times a week, 16 times a month, notification through public services - twice a month, you cannot disclose personal data to an indefinite number of people, for example, write about the debt on social networks or hang announcements at the entrance to ... the entrance, you also cannot put pressure on the debtor through family and friends, to involve third parties you need to get written consent from the debtor himself and the third party, and consent can be revoked at any time, any method that allows you to confirm the fact of sending a revocation will do, for example,

an email, more traditional methods are to send a written statement to the creditor through a notary or by registered mail with a return receipt, or bring the application in person. hand it over against receipt. the debtor himself has the right, 4 months after the occurrence of the delay, to refuse direct contact with the creditor, in the same ways that we have just mentioned. after the application is handed over, creditors or collectors are obliged to stop all communication with the debtor, with the exception of only postal communication and messages through courier services. alas, if he refuses to communicate, it does not matter it is important how. because the law now allows doing this not only through a notary, the claimant, whoever he may be, a bank, a microfinance organization, a professional collection agency, has only one way left, unless, of course, he does not want to throw this debt in the trash, if he still wants to get the money, thus the debtor has

only one option left for him: to go to court to include everything in action the entire judicial machine and the machine of the bailiff, if bank employees or collectors violate the law, then they are threatened with ... persons prohibits, firstly, the threat of violence or destruction or damage to property, and secondly, the threat of dissemination of knowingly false information that discredits the honor and dignity of the debtor or his relatives. a phrase thrown by a collector like "i'll burn your car", you can lose your freedom for up to 5 years, and if several people came to you and beat you up, then they can go to prison for 10 years. and for collectors , for a long time now, the federal bailiff service has been watching..., in fact, legislators decided not to change horses in midstream and retained the supervisory function, in

including for info zabankami, for the federal bailiff service and its federal bodies, so you should contact them, and the federal service has the right to appoint an inspection in case of violations, bring to administrative responsibility. so, let's repeat the main thing: now banks and microfinance organizations are required to keep the history of communication with debtors for the last 3 years, this includes calls, letters, messages, personal meetings, etc. prove the fact that you are threatened or homyat, it will be easier. for collectors , restrictions on the number of calls, messages and other interactions have long been established. and threats to life and health or property are a criminal offense. want to learn more about the rights of clients of credit institutions or about protecting the rights of investors, write.

and radio broadcasting company with the support of the ministry of digital development, communications and mass media of the russian federation, the administration of the governor of perm krai, invite television and radio journalists, directors, newspaper correspondents and online publications to take part in the twenty -seventh all-russian patriotic festival of mass media, shield of russia, which will be held in the city of permis from september 24 to 28, 2024. creative works are accepted for the competition.

more and more servicemen of the ukrainian army understand that the kiev authorities have thrown their kursk region practically into a trap, they surrender, some flee alone, some surrender in whole squads, in 40-30 minutes, as we moved precisely to

the kursk region, we were told that we were going for border, not under the border. mobilized 2 years ago he served in territorial defense, regularly received a salary of 23,000 hryvnia, served up to bonuses payments for completing combat missions, which sergo does not say, modestly specifying that he shot only four times, to reach the training center, just a combat mission set, then another 30 plus.

although this surprised me that vegetable gardens and people keep some kind of farm, well, somehow normally, let's say, not abandoned fucking villages there, well, they live gas saw.

composition of russian military, their line stood on the bridge in korenevo, this is the only way by which civilians were evacuated across the sey river, i heard, it’s just that an assault group will pass, then we go after the assault aircraft, stand at their positions, they move on, that ’s the information, this is what i heard, what they brought to us, as for the civilian population, as for... there, well, basically, that’s all, no one said anything like that, well, they said that there were people there, like maybe, well, almost none, there are certain ones, well, elderly people who don’t they wanted to either leave or something else, and they said that they were not in cars, no one from the locals drives there, if a car drives, it

is most likely that it is already some or a friend, the ukrainians had an order to shoot at the threshold. there are no civilians, that everyone left, and this is footage of that very bridge, in the middle of the road and on the sides, burnt cars, no soldiers behind the wheel, shot bodies of pensioners, cyclists, a woman, here is a red car, maybe that one, or maybe another, but also shot at point-blank range, we were told that you are simply driving into the checkpoint and will be to drive there, as it were, well, watch so that

no equipment would pass on the other side of the bridge, during the whole time one car passed there, a red one, a woman was driving in it, but we didn’t open fire, nothing, it drove in one direction, after a while it came back, drove in the other direction. junior sergeant of the armed forces of ukraine ruslan savakis, a medical instructor from the ukrainian rifle battalion, there is one: before the invasion of russian territory, he talked to military psychologists and was convinced that it was an easy walk. we just came from the checkpoint, we they said: rest, eat and rest. psychologists came in, we went to them, they asked us literally 10 questions, very simple ones, how to treat someone, what is the team coherence, to give an assessment, in the end they immediately loaded us into the bus and went, but something went wrong, they did not give us spare batteries,

they gave us one radio, which already had a battery, they said, they were supposed to bring us the next day, they dropped us off without food, well, that's how we had food and water for the first time, the radio was dead, we did not know where ours were, or where the strangers were, in the morning, somewhere closer, probably around 10 o'clock, we heard voices, saw guys walking along the houses near the fence, they immediately started

to open fire on us, we started to go to them to make contact, started to talk, don't shoot, who is who? where they started to find out by call signs, who and what is ours, not ours, in the end we agreed not to shoot, two of our people came together, agreed that no one would shoot anyone, we are one people, everything is fine, the prisoner says that if he had known in advance about kiev's plans to invade russia, would have run away without thinking, a fallen spirit, probably many soldiers who probably guessed somehow. we ran in, returned home, at the moment when we were already brought here, well, to the russian federation, then from one company 15 people ran away.

trench, from that moment i successfully ran away here ukrainian military. mikhail shkoda uhilyand loser, for the first time he tried to escape from

mobilization to romania, but on the bank of the tisza he was waited by border guards and straight from the border he was handed over into the strong hands of the tcc. a couple of months of training with instructors who studied in britain and germany and mikhail is ready for the assault. his car was one of the first to cross the border with the russian federation. somewhere. about 20 units of equipment and in each car, well, in my car there were six people, in the first two there were about ten, maybe a little more, i don’t know exactly, there were cars that had maybe two or three people, among yours there were still those who wanted to escape, no, no, and it was not, maybe someone was, but no one talked about it, that is, people were afraid of this, well, how can i say, they would have shot me, and it is practiced something like that? well, i think, yes, that is, something like, whoever would run away or surrender, so that we

would destroy you, well, it was like , it wasn't an order, well, it was something like that, mikhail took a risk and ran, hid in the corn for a day, using a compass, came out to the people, i was afraid of the ukrainian military, there were ukrainian military running around and i didn't want to be seen by them. so, from his village i moved to another village, this village is called zhuravka or zhuravlya, i don't remember exactly, that's where i also found a local resident, explained the situation to him, that i , a ukrainian military man, want to ask the authorities, there was already a connection there, so he took me to, uh, to the checkpoint, so from that moment... it was the tenth, from that moment i am here , mikhail shkoda does not agree to the exchange, he wants to stay in russia and sends greetings, still to the president of ukraine, i do not respect him

at all, this man, he is not the president, he is a drug addict, so i do not want to tell him anything, that is, let him, he is not even officially the president anymore, he is a nobody. people don't support him, the majority, on camera you can, on camera, yes, yes, of course, idiot, once again, idiot, wine, why, because idiot, because clown, people were called, sergey yaroslavovich popovich also got caught in the raid of the shopping center, the school caretaker came to draw up documents for salary, they didn't see him at home anymore.

popovich was saved by russian soldiers, fed buckwheat porridge with butter and even taken to the bathhouse. now the school guard is waiting for an exchange, although, as sergey yaroslavovich says, from

people like him, kievsky.

we will take on this case, it will be an honest detective story. it is easy to get confused in the facts when you see only part of the overall picture. in the pursuit of views, entire locations are changed, it is easy to make a defake, to change. we watch to know everything about russia. the best historical series. we watch, we watch,

in the application or on the site, if everything looks like the wild west, then there is only one law: shoot first, competition of ideas and money, there was a sensation, and what a sensation, they are tense inside america, beyond its borders, what is the remaining intrigue, why do we need to watch now follow. this is america, a program about a country that is difficult to understand. but hit yourself on the head, you, the main thing, vanya, hurry up, what kindles interest, uh, uh, what started, and makes life brighter

. in the kors region, a unit of the sever group, with the support of aviation and artillery , repelled 11 attacks by assault groups in the ssu in the direction of the settlements of borki and malaya loknya. in one day, zelensky's formations lost 400 militants and 30 armored vehicles. since august 6, only in the korskom direction, total losses in the ssu exceeded 6,600 soldiers, officers, mercenaries. over 600 armored vehicles were destroyed, including 73 tanks and 34 infantry fighting vehicles, as well as 13 systems for. fire,

including four hymers. the head of magath declared the inadmissibility of attacks on the kursk ues. rafael grossi visited the station and admitted that a dangerous situation had developed, although grossi again avoided giving a clear indication of those who create a nuclear threat. ruslan bikbulatov, about the situation. the magath mission led by rafael grossi entered kurchatov amid the missile threat, the city. meets in conditions of the current emergency and counter-terrorist operation regimes. on the roads of the city of kurchatovo, inspectors of the magat are offered in such a fairly representative auto colony, accompanied by police cars. we see from a dozen armored minibuses, at the beginning and at the end - such armored tigers. the magat inspectors immediately went to the kursk nuclear power plant, where they spent 4 hours, talked with the personnel and management of the npp. they visited the reactor and machine halls of the operating power unit, and visited the

spent nuclear fuel storage facility hundreds of meters from