📋 Tender Overview
Low-income individuals will be exempted from bank fees when paying for housing and communal services. The procedure for paying off debt on loans will change. And other innovations.
July 1
Cancellation of fees for payment of housing and communal services
Parents with many children, pensioners, disabled people, combat veterans, family members of deceased disabled war veterans, and participants in the Great Patriotic War will pay for housing and communal services without a bank commission. The full list of categories of citizens who are entitled to this was approved by a resolution. The State Duma spoke about this and other laws that will come into force in July .
The measure “will be targeted. It will affect those who need social support,” said Vyacheslav Volodin. “Utility payments are a mandatory monthly part of expenses, and for many the commission is noticeable. The adopted law will reduce the financial burden and provide social protection for people.” The law abolishing fees for paying for housing and communal services for those in need was signed in December last year.
Anti-terrorist protection of facilities is being strengthened
Criminal liability is introduced for violating the requirements for it. It will be imposed if a person is held accountable for a similar administrative offence two or more times within 180 days. The punishment will be up to seven years of imprisonment.
The procedure for repaying loan debts is changing
In case of overdue loan, the debt on interest, on the principal debt, interest for the current payment period, the principal debt for this period will be repaid first, and only then the penalty and other payments. Previously, the penalty was third on this list. The change will help citizens pay off their debt faster.
The bank may require the borrower to insure the mortgaged property and other insurable interest. If the conclusion of an insurance contract is not mandatory, the lender must offer a comparable mortgage loan option without insurance. In addition, the bank is obliged to provide a mortgage loan on the same terms if the borrower independently took out insurance with another insurer. Previously, such rules applied only to consumer loans.
The bank may also increase the mortgage rate if the borrower fails to fulfill the insurance obligation for more than 30 days or if he or she refuses the voluntary insurance contract within 14 days of its conclusion.
Financial companies will process applications faster
The period for consideration of citizens' appeals by credit, insurance and other financial organizations will be reduced to 15 working days. It may be extended by 10 working days if additional information is required. The response must contain information on the results of a comprehensive consideration of the appeal, be substantiated and include references to the requirements of Russian legislation.
Domestic industry will receive additional support
The concepts of Russian industrial products and their manufacturer are introduced. To create a unified identification mechanism, digital passports will be issued for it. The government will be able to establish requirements for the acquisition, use and sale of Russian industrial products on a priority basis.
More Russians will be able to receive a funded pension at a time
It will be easier to determine the method of paying a funded pension. Now, if the estimated size of the funded pension is equal to or less than 10% of the cost of living of a pensioner in the Russian Federation, the insured person will be assigned a lump sum payment ( more details ).
NPF clients will be informed about pension savings
Russians will begin to be informed about the amount of pension savings that are stored in non-state pension funds (NPFs). This will be done through government services or when visiting the client service of the Social Fund of the Russian Federation. Previously, norms on mandatory informing citizens about pension savings and the amount of future old-age insurance pensions, which are formed in the Social Fund, had already come into force.
You can manage your pension savings online
Insured persons will be able to submit applications for a one-time contribution under a long-term savings agreement and notifications of refusal to transfer pension savings as a one-time contribution under the specified agreement through government services.
It will become easier to receive support measures
A single centralized digital platform in the social sphere will ensure the registration of decisions and the accounting of information on the classification of citizens as labor veterans, persons affected by radiation, large families, orphans and WWII veterans. This will make it possible to assign social support measures faster and easier.
The procedure for extrajudicial bankruptcy is simplified
Citizens will not be required to submit certain paper documents for out-of-court bankruptcy. Through the system of interdepartmental electronic interaction, the Federal Tax Service will be asked for data on receiving a pension, the FSSP and the SFR - about the deadline for issuing the writ of execution and its non-fulfillment, and the SFR - about receiving benefits in connection with the birth and upbringing of a child.
The procedure for privatization of state property will change
Rules for the sale of state and municipal property at the minimum permissible price will appear. This method of privatization will replace the sale of property without announcing the price and will be applied if its sale through a public offer did not take place. This will eliminate abuses by buyers.
The minimum capital of MFOs will increase
The minimum amount of own funds of a microcredit company must be at least 5 million rubles. The rule does not affect microfinance organizations that finance business and organizations whose founder is the Russian Federation, a constituent entity of the Russian Federation or a municipal entity.
