The relationship with the insurers will become more apparent, the social pension will change Rosmolodozh begin to block sites.
Insurance
1. The Central Bank has determinedNote the Bank of Russia on 01/11/2019 number 5055-U "On the minimum (standard) requirements, conditions and procedures of a voluntary life insurance with the condition of periodic insurance payments (annuities, annuities) and (or) with the participation of the insurer's investment income insurer " list of information that insurers are obliged to inform customers at the conclusion of voluntary life insurance. We are talking only about the agreements, which provide for periodic payments or part payments the client in the investment projects.
Since April 1, the document is required to provide a table where increased font must be specified:
- The procedure for determining the insurance payment and its size for each type of risk.
- The presence or absence of a guaranteed income.
- The list of assets on which income depends.
These and other information to help the customer make the right idea of what it will receive (or not receive) thanks
insurance.2. C 1 April bonus and penalty point factor (MSC) for CTP contracts calculated anewNote the Bank of Russia on December 4, 2018 № 5000-U "On limiting the size of the base rate of insurance tariffs (their minimum and maximum values expressed in rubles), the coefficients of insurance tariffs, insurance requirements to the structure of tariffs, as well as the procedure of their application insurers in determining the contract of obligatory insurance of the insurance premium civil liability of owners of vehicles means ". Determine its size will be once a year, depending on the presence or absence of an accident in the previous 12 months. Previously, he could count the number of times a year.
This factor increases or decreases the final cost of the policy, depending on whether the driver got into an accident. For those who receive the policy for the first time, the MSC is one.
Also, when buying a policy CTP through the "Single agent" and "E-guarantor" it will be possible to choose an insurer and not to agree to the fact that the system has picked up.
credits
Since April 1, the Central Bank raisedThe magnitude of the national countercyclical allowances of the Russian Federation and allowances to risk factors for the purposes of calculating the credit institution's capital adequacy requirements premium to the risk factors on consumer loans by 30%. We are talking only about loans to total 10 to 30% without collateral or guarantors.
The new rule increases the size of the "reserve fund", which should be left in the bank to ensure stable operation in case the share nevozvraschonnyh loans will become too high. Bank of idea, innovation should prevent population growth debt load, as the banks will be more cautious to lend without collateral. Accordingly, to obtain such a loan is more complicated.
However, it is possible that after the failure of unfulfilled bank customers turn to MFI. As a result, the new regulation will have the opposite effect and zakreditovannost population will only grow.
taxes
1. Since April 1 changedOn Amendments to the Resolution of the Russian Government dated 31 December 2004 № 908 the list of goods that are subject to a reduced rate value-added tax at 10 o'clock%.
Now exemption does not apply to certain categories of breeding of farm animals and birds, as well as breeding eggs. Deleted from the list of feed for ornamental rodents and reptiles. Clarified the position of some food and children's products, which give the right to a reduced rate of VAT to more goods.
2. From April 4 to change the form of the tax declaration of the expected income of an individual 4-PITFederal Tax Service of Russia Order dated 1.9.2019 number MMV-7-11 / 3 @ "On Amendments to the Annex to the Order of the Federal Tax Service of 27.12.2010 number MMV-7-3 / 768 @". Make technical changes:
- Bar code 03405017 is changed to 03,406,014.
- Printing is made only if fitted.
- In the field for the name of the document confirming the authority of a tax representative, specify details of the document.
pensions
1. Social pensions are indexed on April 1 at 2%RF Government Decree of 3/15/2019 number 271 "On approval of the indexation factor to April 1, 2019 the social pension". They are people with disabilities and children who were left without a breadwinner, as well as elderly people who do not gain seniority and scores for pension insurance. In monetary terms, amount to increase from 100 to 260 rubles.
2. Notify the Pension Fund of the desire to voluntarily pay pension contributions is now possible via the Internet. Since April 2, this function is availableOrder of the Ministry of Labor of Russia dated 26/2/2019 number 124n "On Amendments to the rules of application for voluntary entry into a legal relationship of compulsory pension insurance and application for termination of legal relations on obligatory pension insurance, approved by the Ministry of Labor and Social Protection of the Russian Federation dated 31 May 2017 number 462n " Personal Office at FIU Online.
blocking websites
Since April 2, in the list of organizations that can make decisions about blocking sites, in addition to the Interior Ministry and Roskomnadzor added RosmolodozhRF Government Decree of 3/21/2019 № 295 "On Amending Resolution of the Russian Government dated October 26, 2012 № 1101". It is assumed that they will monitor the information that involves minors in illegal activities that threaten the lives and health.
see also🧐
- What will change in the law in 2019
- How to pay less tax
- How to survive in retirement without government assistance: financial expert advice