What will change in the law to October 2019
Right / / December 24, 2019
1. From October 1, banks mayNote the Bank of Russia on August 31, 2018 № 4892-U less willing to lend to people who already have loans.
When making an unsecured loan in the amount of 10 thousand rubles a financial institution determines what part of the average monthly income of a person is already spending to pay off debt. This index will affect the risk factor. The higher it is, the more capital a bank must reserve in the form of insurance in case the loan is not paid off. These money is no traffic that the financial institution is unprofitable. Accordingly, in some cases, it is more rational to deny the client and does not give him the tenth loan.
With the help of innovations The Central Bank plans to deal with the extension of credit at the expense of the people, leverage which already peaked.
- What if there is nothing to pay on the loan
2. C 1 October, at 4.3% increasePresidential Decree number 463 of 19/9/2019 "On raising the salaries of the monthly salaries of persons holding posts of federal state civil service"salaries of federal state-owned, budget and autonomous institutions, Police, Customs, Fire Service and military personnelRF Government Resolution dated June 27, 2019 № 820.
From October 1, the value added tax for berries and fruits decreasesFederal law from 2.8.2019 number 268-FZ "On Amendments to Article 164 of the Tax Code of the Russian Federation" from 20 to 10%. At the prices it is unlikely to affect. Under the plan, the difference in VAT domestic manufacturers must submitVAT on fruits and berries reduced to 10%. Palm oil increased to 20% on the establishment of new orchards.
VAT Palm oilIn contrast, increase from 10 to 20%. Additional revenue will be spent on supporting Russian manufacturers of dairy products.
From October 1 Hostels in high-rise buildings areFederal Law of 15/04/2019 number 59-FZ "On Amendments to Article 17 of the Housing Code of the Russian Federation" outside the law, but not all. For hotel services it is prohibited to use only the dwelling. If we translate it into a non-residential status, the hostel has the right to exist. However, since you can not do with any home: you need to be able to make a separate entry for it. If it is not on the ground floor, the hostel premises must also be non-residential.
On October 1, more drivers will be able to drawFederal law from 5/1/2019 number 88-FZ "On Amendments to Certain Legislative Acts of the Russian Federation" Accident without traffic police: change the size of the damage, at which it is permitted. If the circumstances of the accident recorded by a mobile app, or GLONASS, the evroprotokol can be issued when:
- damage does not exceed 400 thousand rubles, and the drivers are no differences in the circumstances of the accident;
- damage does not exceed 100 thousand rubles, and the drivers have a disagreement.
The other conditions remain the same:
- in road accident involved two cars;
- I have insurance for both drivers;
- People were not injured in the accident.
If the locking system with the mobile app or GLONASS does not work, the old acts condition that damage must be less than 100 000, and drivers - have the same point of view on the circumstances accident. While the service operation will be tested in the field, it is better to focus on this provision.
- Since November, an accident can be formalized through the mobile app
1 October for the first time gain a foothold in the Russian legislationFederal law from 3/18/2019 number 34-FZ "On Amendments to the part of the first, second and third part of the article 1124 of the Civil Code" the concept of "digital rights". Changes which somehow affect the citizens, yet. Now the deputies simply enterThe State Duma adopted amendments to the Civil Code of Digital Rights in regulations basic concept.
Changes only pave the way for regulations on tokens and cryptocurrency. Therefore specifics examples will appear later.
To facilitate the deal with digital rights, lawmakers equate "expression of will by electronic or other technical means" to the written agreement. That is, the contract can be verified, for example, by pressing the OK button or sending SMS. It is important to "sign" a person can be easily installed, and terms of the transaction - to reproduce on a tangible medium unchanged.
1. Since October 1, foreign qualified experts from a list approved by the Ministry of LaborOrder of the Ministry of Labor and Social Protection of the Russian Federation of July 13, 2015 № 446n professionals will be able to apply for a simplified citizenship after yearFederal law from 7/3/2019 number 165-FZ "On Amendments to Article 14 of the Federal Law" On Citizenship of the Russian Federation "" work in Russia. Earlier this period was three years.
2. On October 17 simplifies the procedure for the release of Russian citizensFederal Law of 18/7/2019 number 188-FZ "On Amendments to Article 6 of the Federal Law" On Citizenship of the Russian Federation "" the citizenship of another country. To do this, you need to apply at the earliest migration Ministry of Interior Affairs. This is reason enough to subsequently apply for the civil service.
Since October 3, shall be prohibitedRF Government Decree of 9/20/2019 number 1216 "On Amendments to the Rules of fire safety in the Russian Federation" use an open flame on the balconies and loggias of apartments, rooms in dormitories and rooms in hotels. Outside the law, apart from the obvious fires were candles.
But smoking is not so clear. If at first he attributed to the forbidden action, the Emergency Situations Ministry later deniedThe ministry clarified that the new rules do not prohibit smoking on balconies this declaration: punished for smoking, but only if it will lead to a fire. So it is possible to smoke on the balconies, but with caution.
From 1 October start functioning appeals and appellate courts of general jurisdiction. And this is not all changesFederal Law "On Amendments to the Criminal Procedure Code of the Russian Federation" dated 10/11/2018 number 361-FZ (the latest version). In addition, for example, are now:
- in order to be considered a simplified manufacturing arbitration cases at the cost of the claim up to 400 thousand rubles (previously - 250 thousand) for the IP and up to 800 million (previously - up to 500 thousand) for legal entities;
- to seek a judicial order can be up to 500 thousand rubles (previously - up to 400 thousand).
If in the near future are going to someone litigate, Examine innovations or find sensible lawyer.
- Financial literacy for Dummies: everything you need to know about taxes
- What will change in the law in 2019
- Why the bank may refuse to credit