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in the summer of 2024, a new loan repayment procedure came into force, restrictions on car loans came into force, the bank's actions changed in the event that a mortgage client refuses insurance. response times to

citizens' requests, we will tell you everything in 5 minutes in this issue of the instructions and we will start with the new repayment procedure, we will say right away that it applies only for loans issued after july 1 , 2024, in case of delay , the debt on interest on the principal debt will be repaid first, then interest for the current payment period, then the principal debt for the current payment period, and fines and penalties are allowed to be repaid last, very often the borrower, for example, pays off the delay there interest and the principal debt, counting on the fact that the remaining funds will be used to pay off the current payments, their bank writes off to pay off various penalties, well, in particular, penalties. now, accordingly, the legislator has made changes, this leads to the fact that the borrower no longer worries about whether he will have the funds to pay off the payments that are on schedule. from july 1, 2024, banks

are required to apply increased risk coefficients for car loans issued to borrowers with a debt burden above 50%. that is, these are people who already give more than half of their monthly payments to service other loans, in fact, the central bank sets the maximum volume of loans, which can be issued to such clients, until july 1 it was 25% of the loan portfolio, and after this date it was reduced to 20%. that is , the chances of getting a loan from the bank for a new car for indebted citizens are rapidly falling. now let's figure out the insurance when concluding a mortgage agreement, here the changes also came into force in ...

since july, financial institutions are obliged to respond to citizens' requests within 15 working days, in especially difficult cases the period is increased to 25 days. the rule applies to everyone, from banks and microfinance organizations to brokers and non-state pension funds. when this credit institution gives an answer to its client. a copy of the answer is sent, including to the central bank. if the central bank has not received a copy of such an answer within the specified period, it understands that the credit institution has not responded, and the central bank is already independently preparing a response to this address, and the applicant, after that, responds independently.

you can send a claim by regular mail, you can leave it in person at any branch financial company. you can use the internet, email or application. firstly, when you contact a credit institution, specify the relevant details, attributes, by which the bank will understand the essence of the problem, accordingly, identify the client and understand what issue you are initially coming for. the second point, if you contact using, for example, a personal account there, yes , an application and so on, as a rule, this is the answer that comes there, accordingly within the personal account, if you indicate, for example, by mail, but in writing, the return address must be indicated. so, let's remember several important changes from last summer, penalties and fines on loans are now paid off last, it will be difficult for a borrower who gives more than half of their income to service other debts to get a car loan. if a client refuses insurance when taking out a mortgage, the bank

cannot raise the rate, but can lower it if the client agrees to insurance, and respond to citizens' requests to financial companies, now obliged within 15-25 working days. still have questions, want to improve your financial literacy, subscribe to our telegram channel, ask, and we will talk to experts, we will definitely tell you about it in one of the next issues of the instructions, i want a muffin for breakfast, and i want a pancake, which means we still have time to sleep, a muffin with an egg, a juicy cutlet, crispy! potato pancake freshly brewed coffee, your hot breakfast will be prepared quickly so that you can be everywhere and have time to try a muffin for 135 rub. only in alfabank, order a free alpha card, spin the superke drum in the app and get up to 100% every month,

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money in games, not childishly profitable, alpha is profitable. shift workers who arrive at the pivek airport immediately get on a bus and go to the mayskaya deposit, the mine is 180 km from the regional center. here no one loses, in the morning to work in full gear, without which they will not let you into the mine. this is

a self-rescuer, this is a mandatory part equipment, we never part with it, a helmet is a must, there is a flashlight on the helmet, like this high beam, in addition, there are two systems in this fodar, positioning notification, that is, the dispatcher at the top sees the position, sees where the owner of this flashlight is, now we are in a mine at a depth of 640 m, it is cold here, people who are not used to it feel dizzy from lack of oxygen, they move around here in cars, the tunnel is narrow, it is scary to drive, the work is difficult, but the result is impressive, in the year on may, which is included in the top five largest gold deposits in the country, 4 tons of gold are mined, so the face is being laid, an electro-hydraulic shaft drilling rig is in operation, the machine drills horizontal inclined boreholes, a depth of up to... 5 m, where sappers then place charges and blast the rock. the drilling rig runs on

diesel fuel and runs on electricity. thanks to this, the workings can be ventilated less often. a mining foreman monitors the safety work. the blasting method of drilling is what happens, holes are drilled, in rock, then explosives are loaded into these holes, an explosion occurs. and after that the rock mass is unloaded, fastened and then back the cycle is repeated. no, i wouldn’t say it’s difficult, it’s very interesting work for the soul. a person doesn’t just work in the mine here, someone who has chosen this path for himself, there are no random people here, only professionals, and what’s very important, people who know how to work in a team, they say, the mine only lets in their own, and what’s interesting is that some are drawn to the sky, some to the sea, and some this is the underground kingdom, well, i live in bashkiria, we have pits there, old old

mountains, all this is there, so i kind of came to the conclusion that... somehow it’s easier for me here, this is my native everything, i went to this for a long time, then i began to be drawn to the earth, i began to climb old mines in my youth, well, then i chose the profession of a miner, the miners come to the face first, then blasters, then the rock is taken out, miners work again, the workings are laid, it’s time for operational exploration of ore bodies, overlying and underlying horizons, we determine the quality of the ore, the ore that is already being mined, that is , we

create a computer model of the ore occurrence , then underground surveyors and mine surveyors show the direction of further excavation of the mine workings. we are underground, and here there are mine workings, their length is about 80 km, this is a capital mine working, such a huge corridor, from which a branch departs, some are spiral-shaped and gold-bearing ore is already mined there. until 2022, ore was transported from here to surface on dump trucks. exactly 2 years ago , the conveyor path for the release of ore rock started working, the longest in chukotka 2.5 km. thus, they saved on diesel fuel, and this is very important, because fuel

is brought to chukotka by sea. the process became cheaper, accelerated. accelerated many times. "if, for example, our annual productivity was about 750 thousand tons of ore, now we have reached 800, we plan to raise the bar to 9,000 tons. after me, this is already directly from the mined ore warehouse on the surface, they transport it to the factory. the history of mayskoye began in 1950, during this era in chukotka they were looking for tin, uranium, mercury, headed by the chaunskaya exploration geologist".

far from pivek, and then in the area of ​​the future mayskoye deposit , placer gold was discovered in the rivers. in 1970 , the may expedition was formed, geologists drilled 400 exploratory wells and established the location of ore bodies. the data was sent to the state committee on reserves and the deposit was recognized as ready for industrial development. geologists determined that everything happened as a result of hydrothermal processes, that is, the removal of the useful ore component. were deepened along weakened zones to the surface, that is, aurolites were found on the surface, carrying gold , associated minerals, lead, zinc, copper. on this basis , surface geological exploration work was then carried out, a thorough reconnaissance of the territory was carried out, and naturally, through chemical analysis, all this

was selected, described, selected using trenches, and through cimonalization it was determined that from gold, in other words, gold... was, but it was contained in refractory sulphide ores, and there were no profitable methods for enrichment. the price of gold was low, as a result the deposits were mothballed. the difficult 1990s began, people began to leave chukotka, only in the 21st century, when new technologies appeared, mayskaya became operational. in 2004, gold prices rose, 3 years later the adit was reopened, work began to expand the adits for new equipment. after 3 years, the surface work ended and the drilling rigs were transported underground for operational exploration. there are currently six ore zones here, three of which have been commissioned. in 2013 , a gold extraction plant began operating, these giant crushing wheels work around the clock. the ore is crushed into

small stones, then ground into grains in a special mill. the smaller the grains, the easier it is to extract gold. the powder goes to the enrichment shop, where flotation takes place, crushed to 70. one micron, that is, into dust, the ore is mixed with reagents and water containing gold sulfides rise to the surface in the form of foam, what kind of reagents these are they won't tell us, this is know-how, then the press squeezes the product, the moisture goes away, the result is a gold-containing flotation concentrate, which is dried on a huge drum, the inside of which is heated to 700°. this is not cement, but real gold, we are accustomed to the fact that gold is nuggets, gold sand, as it is described in the literature, but here in may the final product is a flotation concentrate, just like this, from here it will be taken to the beer factory, then by sea

to the mainland, where the gold will be smelted at the factories, here are the big bags with flotation concentrate, 1,150 kg in each bag, they are ready to be sent to the port. and this is the central analytical laboratory of mayskoye, here they analyze all the ore samples and work out the schemes for its processing for the gold recovery plant. in the 1970s, when mayskoye was discovered, the employees lived in small houses, with their families, in fact , there was a small village near the mine, now everything has changed, they work on a rotational basis. family, and here people live in a large

administrative and household building, it stands piles, several entrances, but all the rooms are connected to each other, these are eight residential blocks, where almost 800 people live, inside it seems that this is a city with endless streets, corridors, there are clearly more men than women, age from 35. stable salary, good conditions, applicants undergo psychological selection, because not everyone can work in the conditions of the polar night, in a situation when you can only go outside from the utility building

for a short time, stand by the walls, look at the polar sky and return, for discipline here they are watching closely. it is the most comfortable time of the year in chukotka now, the polar day, the tundra is blooming, but the shift workers are not recommended to go further than 50 from their homes . occupied by women, there are exercise machines, a tennis court, a volleyball court, sometimes here there are three halls, one for yoga, teams from beer usually come to it and competitions are held. igor vasilets works in the department for the purchase of commercial services and service. got a job in may a year ago, posted a resume on the resource headhunter, they called him, igor passed the selection and came to chukutka, well, i don’t have much

romance in my position, i’m an office worker, but there are a lot of other things that attract me to work here, let’s say you see a large gym behind me, and the company creates many conditions so that we feel comfortable, so that we can relax after work. but no, it’s not just a long ruble here, you can find friends here, because there is a large team working here and people from all over the country work here. mayskaya is developing, explored the reserves will last until 2032. now they are building a concrete-filling complex here, which will allow switching to a more efficient method of gold production. the deposits will be developed layer by layer, the worked out. space will be filled with a special hardening paste-like mixture, which will include the so-called tailings, that is, waste, waste rock. when the mine completes its work

in accordance with the law on environmental conservation, the company will reclaim these lands, bringing the newly emerged landscape closer to the natural one. let's see, to learn about the world, educational programs and documentaries, we watch, we watch.

fairy tales from everything, i need a soldier in the palace, how to light a spark in the heart, but also lights in the eyes, whoever is scared is defeated, you can't do without a flint here, well, soldier, let's fly for all the money, i asked you, don't touch anything, i know, try from the inside, mizik, flint, the pin fire has given up, miracles. you look, you look, soon.

so says the lighthouse.

vladimir putin appointed the speaker of the council of people's deputies of the donetsk people's republic, dpr hero artem. i burn my plenipotentiary representative in the urals federal district. the president held a meeting with the new recipient in the kremlin. artem zhogo served in the dpr people's militia unit and commanded a battalion. and in 2023, he became the chairman of the regional parliament and co-chairman of vladimir putin's election headquarters. and all the details in the material by elizaveta khramtsova. to present.