Russian banks will now evaluate bankruptcy forecasts, which may reduce the share of approvals for applications by 20-30%. The deputies propose to increase the maternity capital for the second and third children to 1 million rubles. The domestic construction industry will not count 15% of the current number of employees by the end of this year. Analysts have named the cheapest rooms that are sold on the “secondary market” of Moscow and St. Petersburg. Read about these and other news in the digest from March 6.
A new reason for refusing a loan. Banks and microfinance organizations (MFOs) began to include a forecast of the probability of personal bankruptcy in the risk assessment of borrowers. Such a change was necessary due to the growth in the number of personal bankruptcies in the Russian Federation after the introduction in 2020 of the so-called simplified (out-of-court) bankruptcy procedure through the MFC.
Now a citizen can ask to declare himself bankrupt out of court with a total debt of 25 thousand to 1 million rubles, whereas before it was 50 thousand and 500 thousand, respectively. At the same time, the list of cases when a Russian has the right to use out–of-court bankruptcy has expanded – for example, pensioners have been connected to this mechanism.
If the creditor can recover something in court in case of delay, then it will not be possible to compensate even a small part of the debt out of court. In other words, the debt will just have to be written off completely and forget about it.
Lenders are going to evaluate potential bankruptcy of clients based on already available information in the National Bureau of Credit Histories (NBKI) using a neural network. Artificial intelligence will find in the behavior of citizens who have already gone through the procedure certain sequences of events and combinations that allow predicting similar situations with high reliability.
The innovation in the bankruptcy forecast promises a significant decrease in approved checks and an increase in the number of refusals on loan applications by 20-30%. For borrowers with low risk, the innovation can have a positive effect by improving conditions – for example, reducing rates.
News on this topic on March 6, 2024, borrowers will now be assessed with a bankruptcy forecast. Because of this, the share of approvals for applications may decrease by 20-30%.
The mother capital is up to 1 million rubles. The State Duma has developed amendments to the law “On additional measures of state support for families with children.” The essence of the amendments is to increase the maternity capital, taking into account the rate of inflation and rising housing prices.
The bill provides for an increase in the allowance from February 1, 2025 to 756.7 thousand rubles for the first child and 1 million rubles for the second. They also want to pay 1 million for the third baby, if the right to additional state support did not arise before.
News on this topic on March 6, 2024, the relevant bill has already been developed and will be considered by deputies of the State Duma.
There is a shortage of hands in the Russian construction industry. By the end of this year, the domestic construction industry will miss 15% of the current number of employees – experts are sounding the alarm. Most of all, Russian construction sites lack monoliths, masons, plasterers and window casters, as well as architects, engineers and cost estimators. In a number of positions, the shortage of personnel reaches 20-25%.
Experts largely explain the shortage of builders by low salaries in the industry and the demographic situation. By 2030, the country is projected to lose about 1.9 million people of working age. Among the reasons for the shortage of builders is the employment of some young people with construction specialties in special operations. And all this against the background of a decrease in the number of migrants in the Russian Federation.
Experts propose to solve the problem of personnel shortage by analogy with the IT sphere. The specialists of the latter received such preferences as preferential mortgages and deferrals from military service. At the same time, partnership agreements with other countries on labor migration could help the industry.
News on this topic on March 6, 2024 By the end of this year, the construction industry will not count 15% of the current number of employees – experts are sounding the alarm.
The cheapest room in Moscow. Portal Restate.ru he named the price tag for the most budget room in the capital. We are talking about a lot with an area of 11 “squares”, which is sold in a panel nine-storey building in East Biryulyovo.
“Judging by the photo, it was repaired a long time ago, and the owners do not hide it. But the price is appropriate – only 3.15 million rubles, and you can certainly bargain,” the analysts said.
News on this topic on March 6, 2024, a lot with an area of 11 “squares” is located in a panel nine-story building close to the Paveletsky railway.
The cheapest room in St. Petersburg. In the “capital of communal apartments”, meanwhile, the most budget option is sold for 1 million rubles.
“A 9-meter pencil-shaped room in an almost 100-meter communal apartment on 8th Sovetskaya Street is estimated at this amount. The announcement does not contain the most inspiring information that “the common areas are as clean as possible,” as well as that almost all other rooms are rented,” the same person said Restate.ru .
News on this topic on March 6, 2024, an option of 9 “squares” is located in a 100-meter communal apartment in the city center.
Источник: www.novostroy.su
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