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banks. at the bottom of finance exhibition russia, deputy chairman of the board of vtb georgy gorshkov announcedle for banks. in december , the government tightened the conditions for issuing mortgages with state support. among other things, the same subsidies to banks that they receive conditionally for, for example, issuing mortgages at 8% instead of market rates of 16.5% were reduced by half a percentage point. the largest banks responded to this by beginning to approve preferential rates. crews of office employees, the kommersant newspaper writes about this, its interlocutors clarify, the reduction will affect 13-15% of the staff of the moscow office, the airline itself explains this: the route network has changed and... s7 has a hub in novosibirsk, and pilots are also offered to retrain on other aircraft, for example, on Мrayer. some pilots and flight attendants are advised to simply move to other airlines, including international ones; for example, aeroflot has already expressed interest in a7 flight attendants. several industry interlocutors predict that other major russian companies may

vtb bank, following sberbank, is tightening conditions for issuing preferential mortgages. ll be able to receive it only if they choose housing from developers who are partners of the bank. for those clients who chose housing not from vtb partner developers. will offer to take out a mortgage at market rates, and they start at about 16.5%, the rate on a preferential mortgage is a maximum of eight. vtb does not specify what criteria a developer will have to meet in order to become a partner, but at the end of last year sber also announced that from january 11 it will issue preferential mortgages only those who buy housing from developers of accredited sberbanks, and in order to receive accreditation, developers will have to pay a commission for preferential loans. and issuing loans with state support, vtb explained that the authorities had tightened the requirements for such loans. at the end of december, the government reduced the subsidies that banks receive for issuing mortgages at preferential rates rather than market rates. this difference is compensated by the state, and

bank and others. here's how, for example, they explained their decision. vtb. that the government has cut subsidies by half for all state programs since the end of the twenty-third year, the issuance of preferential mortgages has de facto become unprofitable for banks. our profitability on them in recent months was already around zero, but since december 23 it has become negative. vtv proposes to return one percentage point of the subsidy to creditors to a value of 2.5% points, and also make mortgage with state support more. targeted, for example, for socially vulnerable categories of the population who really need help buying apartments. the most important thing is what is not visible to us citizens, including the changes in the terms of compensation for the costs of financial institutions, namely banks, and if previously they were compensated for the difference between the rate at which they must provide mortgage loans to citizens. key rate increased by 2.5%, then now this additional difference between the key rate, what was previously 2.5% was reduced to 1.5%

rossiya bank, vtb bank and the region have reached a constitutional agreement, in fact, without the fifthhese two projects will not work, because it is necessary to link the shmsd for the city cad-2, it is the exit from the shmsd to k2 that is the fifth and sixth stage, so we are of course interested in a comprehensive solution, otherwise this complex work will not work, because there will be no unloading, that is, one piece will work, two pieces will work, but there will be no unloading, thank you. maxim, did you want to add something? yes , vladimirovich, i would like to see one particular point, one general one, probably, from the point of view of particular points, the fork is clear, the shmsd is needed more, well, as it were, for the current residents of the city, yes, but a bypass is more likely needed there for the future development, for future construction or for construction that has already been done, but the transport infrastructure, so to speak, is not fully provided, but at the same time, if you look at the flows, the flows are different. and we see that according to the cur

vtb make such a decision? they refer to the government, which has already tightened the rules for the banks themselves. the conditions for issuing preferential mortgages. from january 12, bank clients will be able to receive it only if they choose housing from those developers who are partners of the bank. rbc writes about this. in moscow, for example, the bank has about twenty of them, in the moscow region there are only two. according to the bank's website, rates on family preferential mortgages are now 6.8%. rates for market programs start at 16.5% per annum. vtb explained the decision to change the conditions by tightening government requirements for preferential mortgages. previously , a similar decision was made by sberbank. starting from january 11, it will also issue preferential loans only if you buy housing from developers accredited by sberbank, but will you receive it? this accreditation will only be granted to those developers who agree to pay a commission for each preferential loan. american stock exchanges grew noticeably the day before thanks to shares of technology companies that are t

issuing preferential mortgages, with on january 12, vtb clients will be able to receive it only if they choose housing from developers who are partners of the bankow vtb has more than twenty partner developers, then in the moscow region there are only two. for those clients who have chosen housing not from partner developers, vtb will offer to take out a mortgage at market rates, and they, as arbakany notes. start at approximately 16.5%, the rate on preferential mortgages is a maximum of eight. the decision to change the conditions for issuing loans with state support from vtb was explained by the fact that the authorities have tightened the requirements for such loans. at the end of december, the government cut the subsidies that banks receive for issuing mortgages at preferential rates rather than market rates. this difference is compensated by the state, and this difference has recently become larger, because the central bank raised the key rate from 7.5 only in the second half of last year. up to 16%. naturally, the state's expenses on compensation to banks for preferential mortgages have increased. previously, sber made the same decision, f

, alfa, promsvyaz-bank and others, for example, this is how vtb explained their decision the context of the government cutting subsidies by half for all state programs since the end of 23, the issuance of mortgage benefits has become de facto for banks unprofitable. our profitability on them in recent months was already around zero, but since december 23 it has become negative. vtb proposes to return one percentage point of the subsidy to lenders to a value of 2.5% of the point, and also to make mortgages with state support more targeted, for example, for socially disadvantaged people. now this additional difference between the key rate, what was previously 2.5%, has been reduced to 1.5%, that is , income has been reduced by 1%. it is worth saying that the situation in the banking sector is heterogeneous. there are those who pointedly did not introduce commissions, for example, sofcombank and domrf bank. well, in order to equalize industry participants and prevent systemic risks, the bank of russia will invite the operator of the state corporation program for the developm

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from january 12, vtb clients will be able to receive it only if they choose housing from developers who are partners of the bankmoscow ovtb there are more than twenty partner developers, then in the moscow region there are only two. for those clients who have chosen housing not from vtb partner developers, the bank. will offer to take out a mortgage at market rates, and they, as rbc notes, start at approximately 16.5%. rate on preferential mortgage maximum eight. the decision to change the conditions for issuing loans with state support from vtb was explained by the fact that the authorities had tightened the requirements for such loans. at the end of december, the government cut the subsidies that banks receive for issuing mortgages at preferential rates rather than market rates. this difference is compensated by the state. and this difference has become increasingly larger lately, because the central bank is in favor of the second half. last year raised the key rate from 7.5 to 16%. and naturally, government expenses for compensation to banks for preferential mortgages is also becoming more and more. previous

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marie, hello, which banks are introducing such new rules? hello, so far sber, vtbounced changes. mortgage. adapts to new conditions, the largest banks change the rules for issuing loans. now you can count on a loan on preferential terms only if you purchase housing from an accredited developer, in fact, a bank partner who will work with him ready to subsidize rates. starting today, such rules are being introduced by sber, tomorrow vtb will join it, and from mid-january , changes are expected from alfabank. these three banks together account for about 85% of the mortgage market in russia. the developer must be. accredited in this bank, it will be accredited exactly in the case when it co-finances such a subsidy together with the state, that is, spends its funds from profits, from some other sources, so that the mortgage rate is affordable for population, we are talking specifically about preferential mortgages, now the maximum rate on it is 8%, this is the basic program, family it mortgages in rural, far eastern and arctic are also considered preferential. the rates

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by the way, the driver of the peace of the mortgage portfolio of banks is precisely preferential programs for example, last year at vtbll transactions, while according to the bank’s estimates, last year mortgage sales broke records for all indicators and approached the figure of 8 trillion rubles, this is 60% more than the twenty-second figure. demand, as analysts note, began to cool at the end of the year and the trend is likely to continue in 2024. experts believe that it is now up to the developers themselves to support sales. developers could again launch more active lawsuits. use shares more often and this would apparently more or less balance out the indexation that they have anyway planned according to their financial models, but this new introductory fee with commissions, it for now, let’s say, it leaves open the question of whether it will be possible to implement this scheme, yes, when developers, for example, at the beginning of twenty-three, were very active... giving discounts, very actively holding promotions, prices there practically did not rise. it is important to say that the new requirements do not

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account all their internal indicators for banks, banks that have introduced commissions for developers, the largest mortgage players market, sberbank, vtbpromsvyazbank and others, for example, as vtb explained its decision, in the context of the government reducing subsidies for... the most important thing is what is not visible to us citizens, including the terms of compensation and costs of financial institutions , namely banks, and if previously they were compensated for the difference between the rate at which they must provide mortgage loans to citizens, the key rate increased by 2.5%, now this additional difference between the key. there is no limit, well, i’ll say it again, if the banks that introduce limits stop issuing mortgages, then we can, therefore, withdraw these limits from them and redistribute them to those institutions that perform, for example, our bank house of the russian federation, it is currently issuing mortgage without the corresponding commission, but we see a colossal demand for this mortgage, we are dissatisfied with the situation, clients in the federal antimonopoly service told us that several complaints a

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among the banks that have introduced commissions for developers are the largest players in the mortgage market, sberbank, vtbzbank and others, for example, this is how vtb explained their decision. in the context of the government cutting subsidies by half for all government programs from the end of the twenty-third year, issuing preferential mortgages have de facto become unprofitable for banks. our profitability on them in recent months was already around zero, but since december 23 it has become negative. vtv proposes to return one percentage point of the subsidy to creditors to a value of 2.5% of the point, and also to make mortgages with state support more targeted, for example for social ones. protected categories of the population who really need help buying apartments. the most important thing is what is not visible, but for us, citizens, the conditions for compensation and expenses have also changed financial institutions, namely banks, and if previously they were compensated for the difference between the rate at which they must provide mortgage loans to citizens, the key rate increased by 2.5%. no

only for those clients who buy housing from developers of partner banks, from january 11 sberbank has been doing this since january 12, vtbr to become such a partner, as sberbank said, the developer will be required to pay a commission to the bank for each preferential mortgage loan. in turn, developers began to refuse to work with some banks under the new conditions. the central bank said today that the commissions that banks require from developers can ultimately be transferred to prices, that is, the gap in the cost of new secondary housing buildings in russia. will become even more, is the central bank ready to apply any measures to banks impact, he does not specify, but invites the state bank of the russian federation to think about expanding the limit on issuing preferential mortgages for those banks that do not introduce commissions, as the central bank formulates, all this to level out the situation. the russian stock market has remembered last year’s tradition of growing on mondays, but it’s true that this current growth is becoming less and less distinguishable from standing still. there are sellers on the russi

thing is that russian banks increasingly began to issue preferential mortgages only to their partner developers. since yesterday , sberbank has been doing this, and since today, vtbk. and to become such a partner, as they said previously, in sberbank, the developer will be required to pay a commission to the bank for each preferential mortgage loan. and banks introduced commissions for developers because in december last year the authorities reduced subsidies for banks on preferential mortgages. the state compensates banks for the difference between preferential rates and market rates, and market rates are constantly growing, due to the fact that the key rate has doubled in just the last six months. market experts interviewed by the newspaper say that buyers may ultimately be the victims if if no solutions are found here in the near future, sales of new buildings may collapse. world oil prices rose by 2 dollars and the night strikes by the united states and great britain on the territories of yemen, which are controlled by the houthis, only mean that the situation in the region? continues to heat up. at the end of last year, the yemeni houthis, who support the ha

subsidies banks throughout the entire loan period, that is, several decades, but the problem is that the authorities reduced the size of these subsidies, first in september and then in december. last year. vtbnd of last year, preferential mortgages have become unprofitable for banks; in january, the largest banks began to take commissions from developers. the central bank has said more than once that due to massive preferential mortgages, prices for new buildings in russia have risen rapidly. world oil prices are rising. the market reacts to the fact that militants attacked a us military base in jordan, three deaths are known. an iran-backed group claimed responsibility for this. and as bloomberg writes, the united states is already considering options. with an operation against iran. following oil prices , the russian stock market begins the week with weak growth. today is the peak of tax payments for russian companies, but they seem to have stocked up on rubles in advance, so the domestic currency is not feeling much support right now. the dollar today rose above 90 for the first time since january 16, but has now retreated, the euro is 97.30. u russians' demand for cash has increased. ac

september and then in december last year, and, for example, vtb announced that from the end of last year preferential mortgages became unprofitable for banks largest banks began to charge developers commissions for preferential mortgages. the central bank is not i said it once, because of the massive preferential mortgages , prices for new buildings in russia have skyrocketed . world oil prices have stopped rising in the morning, but the market, of course, is still worried. bloomberg writes that the united states is considering options for an operation against rana, after a militant attack on an american military base in jordan. investors have not forgotten that on friday the hussites attacked a tanker carrying russian oil. and all this threatens the oil market with new shocks. the russian stock market is in positive territory, yandex shares are growing noticeably again 1.5%. investors are apparently waiting for the division of the company, the dollar rose above 90 today, but has now retreated, the euro is also falling in price to 96.88. polimetal international, the largest silver producer in russia and the second largest gold producer in

vtb mortgage managers. if the developer does not meet the new requirements of the bank, the borrower. can apply for a loan underns for issuing a loan is that the tightening of government requirements for preferential state mortgages reduces the amount of compensation to credit institutions for issuing preferential mortgages by half a percentage point. the partnership with developers, who will pay fees to banks for processing loans with state support, is designed to cover the difference. in addition, in december the minimum down payment for the preferential mortgages were increased from 20 to 30%. at the same time , the maximum loan size for all subjects became six. rub. let me remind you that earlier in the capital regions this figure was twice as high and reached 12 million. the exception is the far eastern and arctic mortgages. on the contrary, the maximum amount for them was increased to 9 million. the far eastern arctic mortgage increased the loan size to 9 million. accordingly, it turns out that there was even some expansion, but this is not the most numerous program, and they were added. some categories i

only to those clients who buy housing from developers, partners of banks; from january 11 , sberbank does this; from january 12th, vtbder to become such a partner, as they said in sberbank, the developer will be obliged to pay the same commissions to the bank for each preferential mortgage loan. in turn , developers began to simply refuse to work with some banks under the new conditions. is the central bank ready to apply any measures of influence to banks in today’s the statement does not specify, but invites the state bank domf to consider expanding the limit on issuing preferential mortgages for those banks that do not introduce commissions. as the central bank puts it, all this is to level out the situation. the finnish ministry of defense plans to completely prohibit russians from real estate transactions in the country by spring of this year. this was stated by finnish defense minister anti hakenin. he is quoted. mass media. in addition, he promised an investigation into the real estate that the russians had already bought. as it reminds the opinion of the finnish minister of defense differs from the recent con

the thing is that russian banks increasingly began to issue preferential mortgages only to their partner developers. sberbank has been doing this since yesterday. from today's vtbn order to become such a partner, as sberbank said earlier, the developer will be required to pay a commission to the bank for each preferential mortgage loan, and commissions for developers were introduced to banks because in december last year the authorities reduced subsidies for banks on preferential mortgages, the state compensates banks for the difference between preferential rates and market rates, and market rates are constantly growing, due to the fact that the key rate has doubled in six months, the market experts of the newspaper surveyed... that the victims in this story may ultimately be the buyers, if a solution is not found here in the near future, then sales of new buildings may collapse. world oil prices rose by 2.5 dollars; today the brand rose above eighty, for the first time since the end of december. night strikes by the united states and great britain on the territory of yemen, which is controlled by the houthis, only means that the situation in the region continu

banks that have begun issuing preferential mortgages only to their developer partners. this is what sberbank has been doing since january 11, and since january 12, similar changes have been made to... vtbanks. commissions are introduced for accredited developers in the amount of 7-8% of the amount of each preferential mortgage loan issued. the situation arose after the authorities in december reduced subsidies for banks on preferential mortgages. world oil prices rose by one and a half dollars. night strikes by the united states and great britain on the houthi-controlled areas of yemen only mean that the situation in the region continues to escalate. at the end of last year, the yemeni houthis, who support the hamas group, began to ... get into the red sea on all ships that, in their opinion, are connected with israel, and through the red sea accounts for 12% of all seaborne oil supplies. the russian stock market, thanks to oil, starts friday with slight growth, but it is held back by the fact that the ruble, after three days of growth in a row, is becoming more expensive this morning. dollar 88.19, euro below 97 for the first time since mid- december. over the past year, tourists have

fact is that russian banks have begun to move to issuing preferential mortgages only to their partner developers. since yesterday , sberbank has been doing this, and since today, vtbk, and in order to become such a partner, as sberbank said earlier, the developer will be required to pay a commission to the bank for each preferential mortgage loan. banks explain this by the fact that the authorities in december reduced their subsidies for preferential mortgages. in government they didn’t hide it, they want to cool the market. the federal antimonopoly service reported that it has received complaints about the actions of banks and will consider them, the president of the national union of builders, anton glushkov, says that the decrease in profitability is by 6-7%, that is, by the amount of the commission. which banks demand, this could be fatal for most regional development companies. some experts from the kommersant newspaper interviewed say that a solution to this situation is not yet in sight, and sales of new buildings may collapse. world oil prices slowed down in the evening; during the day, the brand mark generally rose above eighty, for the first time since t

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