We build the reel from two distinct parts:

  1. First 10 seconds — CGI video with a powerful question and problem visualization.
  2. Next 10 seconds — expert avatar with a specific, verified, and legally accurate answer.

Core Format Idea

Don't try to explain everything at once. First ask a question that truly resonates with the audience — then deliver one non-obvious, verified answer.

PART 1. FIRST 10 SECONDS — ASK THE QUESTION

The first clip's job is NOT to give an answer. Its job is to make the viewer think:

"This is exactly my problem. What is he going to say?"

So we avoid abstract phrases like: "Your apartment. Your overpayment too." We need a concrete question:

  • "How do you cut mortgage overpayment by millions?"
  • "How do you buy an apartment with no down payment?"

How the 10-second CGI video is structured:

  • 0–2 sec: Show the main subject (Hero shot of a residential complex).
  • 2–5 sec: Introduce one specific problem (wall of money / freeze / lights out).
  • 5–8 sec: Develop that exact problem dynamically.
  • 8–10 sec: Show the final wide shot with emphasis on the conflict.

Key visual continuity rule:
Nothing should appear just because the AI felt like drawing it. If a stack of cash appears — we must understand where it came from. If a construction site is shown — the next shot continues that exact scene.

🎛️ 6 READY CGI PROMPTS (CLICK A BUTTON TO CHOOSE)

Click the button below to open the corresponding prompt and copy it in 1 click:

CGI PROMPT #1 → Buy Without Down Payment
Create exactly 10.0 seconds of premium photorealistic real-estate CGI on a pure black background. FORMAT: Vertical 9:16. Exactly 10.0 seconds. No visible text. No subtitles. No logos. No readable numbers. No interface elements. No music. IMPORTANT VISUAL CONTINUITY: Every shot must logically continue the previous shot. Do not randomly create or remove objects. Do not teleport objects. Do not introduce unexplained visual elements. Every important new object must be clearly introduced on camera. Once an important object appears, it must remain logically present. CURRENCY RULE: All money shown in the video must be Russian rubles only. Use realistic Russian ruble banknotes and bundled Russian ruble cash stacks. Absolutely no US dollars. No euros. No foreign currency. No fictional money. No generic banknotes. 0.0-2.0s: Hero shot of a premium modern residential complex floating alone in deep black space. Slow cinematic orbit and subtle push-in. Warm realistic lights inside the windows. A restrained red scanning outline moves once across the facade. VOICE-OVER begins at approximately 0.4 seconds. Use ONE continuous recording from ONE native Russian male speaker. Say exactly once: "Как купить квартиру без первоначального взноса, если сейчас просто нет нескольких миллионов на первый платёж?" STRICT SPEECH EXECUTION: Say the sentence exactly ONE TIME. Start the first word at approximately 0.4 seconds. Deliver the entire sentence as one uninterrupted thought. Finish the final word before approximately 8.5 seconds. Immediately after the final word stop speaking completely. Do not restart the sentence. Do not repeat any word. Do not repeat any phrase. Do not repeat syllables. Do not echo the ending. Do not generate additional speech to fill unused time. Do not paraphrase. Russian language only. Native standard Russian pronunciation. Absolutely no foreign accent. No stuttering. No hesitation. No false starts. No self-correction. No robotic intonation. 2.0-5.0s: Clean cinematic cut to a closer frontal view of the SAME residential complex. The camera movement reveals a very large stack of bundled Russian ruble banknotes standing directly in front of the main entrance. The stack physically blocks the path between the viewer and the entrance. The building remains clearly visible behind it. Nothing disappears. A subtle controlled red glow highlights the stack of rubles. 5.0-8.0s: Continue with the SAME building and SAME stack. The camera slowly moves sideways around the money. From this angle the viewer clearly sees how large the required upfront amount is compared with the building entrance. The ruble stacks remain in exactly the same physical position. No additional money appears. No magical transformations. No disappearing objects. 8.0-10.0s: Dramatic cinematic pull-out. Final composition: the residential complex in the background, the large stack of Russian rubles in the foreground, the entrance visibly blocked by the upfront payment. The voice has already finished. One restrained red warning pulse travels across the ruble banknotes. Cut to pure black exactly at 10.0 seconds. STYLE: Premium architectural CGI. Photorealistic. Deep blacks. Controlled red accents. Realistic Russian ruble banknotes. Smooth cinematic camera movement. Luxury real-estate commercial aesthetic. No glitches. SOUND: Subtle cinematic whooshes. Soft ruble banknote movement. Low bass pulse. Final deep sub hit. NO MUSIC.

PART 2. HOW TO CREATE AN EXPERT AVATAR

How to create a realistic expert avatar and set up lip-sync — I explain it in detail in this video:

PART 3. HOW WE FIND THE SPEECH & FACTS FOR THE AVATAR

The most important thing in the second 10 seconds — what exactly should the avatar say?

You can't just ask an AI: "ChatGPT, write an expert answer." That's a reliable way to get a polished but meaningless or hallucinated response.

🔎 Two-Stage Text Preparation Method:

Stage 1 — Forums (Find Real Pain & Hypotheses)

On forums we look for real user experiences, fears, unusual financial strategies and banking loopholes.

Example search operators:

  • site:banki.ru/forum mortgage no down payment
  • site:reddit.com/r/FirstTimeHomeBuyer early repayment strategy

Critical rule: A forum is never proof. A forum is only for finding a hypothesis.

🏗️ Stage 2 — Official Verification

Once an interesting idea is found, verify it through primary sources:

  1. Central Bank — key rates, regulatory risks, market analytics.
  2. Government — regulations on subsidized programs.
  3. Official bank websites — specific product conditions.
  4. Developer official sites — project declarations, construction timelines.

If there's no confirmation — the information is not used in the reel as fact.

🎯 FACT-CHECK SYSTEM: 5 QUESTIONS BEFORE RECORDING

  1. Is there new information? (If the advice boils down to "read your contract carefully" — delete it).
  2. Is there a concrete action? (The viewer must understand what to do tomorrow).
  3. Is there official confirmation? (Links to laws, banks, regulators).
  4. Is the information current today?
  5. Are we presenting a special case as universal? (If it's one bank's program — name that bank specifically).

⚡ FINAL FORMULA

0-10 sec:  CGI visual + sharp hook question
10-20 sec: Avatar with a verified answer — no filler intro

PAIN → QUESTION → VERIFICATION → PRECISE ANSWER
Fact-checking is what turns a beautiful AI reel into expert authority that generates leads and trust.