earlier, both the chairman of the central bank, elvira nabeulina, and the head of sberbank, german grefe, ivan chebeskov, pointed out that preferential mortgage programs have worked for too long, and because of this , the affordability of housing in russia has decreased. european stock exchanges started today at negative, but then moved on to growth, the fact that in the second round of parliamentary elections in france the extreme right, led by marine lepin, took only third place and they will not have any majority in parliament, this is a positive signal for investors, but on the other hand , in the new parliament not a single coalition will have a majority, and political uncertainty is also never good for the stock exchange. the russian stock market starts the week with a fall, looking at the cheapest oil on the global euro currency market. is now a little cheaper against the dollar, just at french news, on the russian over-the-counter market, the ruble is now getting cheaper compared to the american, it costs 88.53 to the european, its exchange rate is 95.97. in russia, the need for

head of sberbank german gref compared the preferential mortgage to doping, which should not be abusedd: the program lasted too long. now, i think, we will be in trouble for a couple of years in the mortgage market with the fact that. if we could bring the market to a normal equilibrium state, we will all be sick together, the affordability of housing will continue to be disrupted, it will be difficult for developers, because great groundwork has been done there, the investment cycle is quite long, and it will not be easy for banks, but to bring the body into this state, into an equilibrium state, economic organism is extremely necessary, i don't think that there will be some very dramatic consequences, but the consequences will be the preferential mortgage program at... settings at 8%, which ended on july 1, worked since the spring of the twentieth year, it was introduced at the height of covid restrictions as a temporary support measure. the conditions changed over time, and the terms were extended several times. according to the house of the russian federation, during the entire per

head of sberbank german gref compared preferential mortgages to doping, which should not be abused, and that the program lasted too long. now, i think, we will spend a couple of years working on the mortgage market in order to bring the market to a normal, equilibrium state. we will all be sick together, it will be disrupted. july 1, worked since the spring of the twentieth year, it was introduced at the height of covid restrictions. as a temporary support measure, the conditions changed over time and the terms were extended several times. according to the house of the russian federation, during the entire period of implementation of preferential mortgage programs. russian banks issued almost 3 million loans to the population worth 11.5 trillion rubles. of these , more than one and a half million loans amounted to about 6 trillion in preferential terms and for new buildings. at the same time, prices for primary housing have increased significantly over 4 years. in may of the twentieth , the national average cost per square meter was 77,000 rubles. well, in may twenty-fourth it reached 1

the head of sberbank german gref compared the preferential one. mortgage with doping that should not be abused, and noted that the program lasted too long. now, i think, we will be sick in the mortgage market for a couple of years in order to bring the market to a normal, equilibrium state, we will all be sick together, the affordability of housing will continue to be disrupted, it will be difficult for developers, because big things have been done, there is a sufficient investment cycle long, and it will be difficult for banks, but in this state. conditions changed over time, terms were extended several times, according to the house of the russian federation, during the entire period of implementation of preferential mortgage programs, the russian... bank issued almost 3 million loans to the population worth 11.5 trillion rubles, of which more than one and a half million were for preferential mortgages for new buildings loans amounting to about 6 trillion, while prices for primary housing have increased noticeably over 4 years, in may of the twen

the head of sberbank, german gref, spoke in more detail about the project. city hall. this is an environmentally friendly city, this is a city that is based on the most modern technologies, what is called a smart city, a smart city, all energy-saving technologies, green technologies are used here. will be applied in all houses smart home system, for the first time in russia all this is being used to such an extent: an automatic waste removal system and a huge number of other innovations. green areas will occupy about 30% of the area of ​​the microdistrict; they will also create open spaces for sports, work and children's games, plus there will be its own transport infrastructure for motorists, cyclists and pedestrians. all buildings will be built taking into account high energy efficiency indicators and will provide. smart systems, including those using artificial intelligence. of course, under such a large-scale project needs to provide convenient transport links, and this task will also be solved by the rublevo arkhangelskaya metro station. we talked in mo

previously, the chairman of the central bank elvira nabeulina, the head of sberbank german gref and thereferential mortgage programs have worked for too long, because of this the availability of housing in russia decreased. dima, that's all for me. thank you, marina pimenova with business news. employees of the kuban state medical university have made a breakthrough in the fight against cancer. scientists have learned to identify types of malignant tumors that are insensitive to radiation and chemotherapy. such a discovery will make it possible to make. read more about revolutionary research in the field of medicine svetlana gordeeva. modern doctors are already able to predict the future of a patient. will he find a beautiful wife and a new job, they certainly don't know, but can they say what diseases threaten him in the future? all this is possible thanks to the development of genetics. thus, temensky scientists are now able to determine from one blood test whether a patient, even a healthy one , is at risk of developing type 2 diabetes. we directly studied two genetic markers that ar

earlier, both the chairman of the central bank, elvira nabeulina, and the head of sberbank, german grefted out that preferential mortgage programs have worked for too long, and due to rising housing prices, its affordability in russia has decreased. the indices of european stock exchanges today rose and fell until the close of trading ; they did not form a clear consensus. on the one hand, based on the results of the parliamentary elections in france, it is obvious. one coalition will not have a majority, and this threatens political uncertainty, and for stock exchanges this is always a minus. on the other hand, investors are obviously pleased that in the second round, the far right, led by marine lepin, took only third place, although after the first round they were in the lead. the russian stock market has slid down today, along with falling oil prices; the official dollar and euro exchange rates of the central bank have not changed very much. the dollar for tomorrow is 88.17, the euro is 95.66. in russia the need for managers will decrease; in 5 years there will be 5,000 managers les

his colleague, sberbank president german gref, is more cautious. since ropia is not a freely convertible currency, one has to come up with rather complex mechanisms. but the situation may change in the near future, as soon as ropia becomes convertible currency. there were also quite exotic options. for example, allegedly back in 1922, russian companies and banks were buying. in india, gold jewelry was exported to the emirates. there, these products were melted into ingots and sold for foreign currency. then export proceeds went to russia. this, of course, is completely exotic, but many economists said that one of the options for solving the problem is to switch to chinese yuan or united arab emirates dirhams. both of these currencies are stable against the dollar, with both india and russia are active in this. uses them in its foreign trade. true, a year ago, the indian ambassador to russia, parvan kapor, argued that his country pays for russian oil exclusively in hard currencies, and not in rupees. this was confirmed by the head of vtb andrei kost

his colleague, sberbank president german gref, is more cautious. since the rupee is not a freely convertible currency, it is necessary to come up with rather complex mechanisms. but the situation may change in the near future, as soon as ropia becomes convertible currency. there were also very exotic options, for example, allegedly back in 2022, russian companies and banks bought gold jewelry in india , which they exported to the emirates, where these products were melted into bars and sold for foreign currency, then the export proceeds went to russia, this is, of course, completely exotic, but many economists said that one of the options for solving the problem is to switch to chinese yuan or dirhams. russia's india continues to trade in unfriendly currencies. two bank centers should simply agree on the interconnection of national payment systems. us currency, once this is fixed, the problem will disappear. most indian banks operate in western markets. they do not want to fall under american sanctions, but i am sure that in the near future there w

training, german gref. urged not to forget that russian business has not only internal problems, but also external ones, so the key thing is the work of institutions. according to the head of sberbankrotection of property rights is very acute now, and after the session we were able to talk with german gref, and we asked him an even broader question: how would he like the russian economy to develop right now and what path would it take? the main challenge we face. this is diversification, we must leave the raw material paradigm, andrevich said today at the session that thank god we have oil and not chips, but i would prefer the opposite, that we have chips and not oil, so also it’s better when we have both oil and chips, so we definitely need to increase the diversification of the economy, develop make a new reindustrialization. it will be interesting, denis, about the details of the congress, i have everything. yes, marin, thank you, it was marina pimenova from the financial congress of the central bank. the russian stock market today, not today, generally grew for 3 days in a row, but just today investors decided that enough was enough, especially since there are no big reasons fo