Credit holidays and cancellation of penalties for non-payment of housing and communal services: how the state will support Russians

Credit Holidays

Who can use

New lawOn amendments to the Federal Law "On the Central Bank of the Russian Federation (Bank of Russia)" and certain legislative acts of the Russian Federation regarding the specifics of changing the terms of a loan agreement, agreement loan allows you to get a deferred loan payments for those who are financially affected by the coronavirus epidemic. You can go on a credit vacation under the following circumstances:

• The money was issued before the entry into force of the law on a possible deferral.
• The borrower's income decreased by 30% or more compared to the monthly average for 2019.
• The loan amount does not exceed the established amount. This is 100 thousand rubles for credit cards, 250 thousand for consumer loans for individuals and 300 thousand for entrepreneurs. For car loans and mortgages, the maximum is 600 thousand and 1.5 million, respectively. At the same time, in the near future, the maximum mortgage level for some regions may be revisedThe maximum amount of mortgages for credit vacations may increase in some regions
  instagram viewer
  . First of all, this concerns Moscow, St. Petersburg and the Far East.

In 2019, a law on mortgage vacations with a similar mechanism began to operate in Russia. But there are other criteria, a different maximum loan size - you can read more about this in separate material. Most importantly, the delay during your mortgage vacation costs you nothing.

With the new coronavirus grace period, you will still be charged interest for the grace period.

How much will you be charged for a loan vacation

On the mortgage, interest will be charged as usual (under the agreement). For other loans, there is a preferential rate of ⅔ of the market average for a similar type of loan for the day on which you ask for a deferral. Now the average market rates areAverage market values ​​of the total cost of a consumer loan 12.36% for new cars and 16.73% - for used cars, about 12% for targeted loans with a maturity of more than a year, 11.6-27.3% for cash loans (depends on the term and amount).

Interest on credit cards will need to be returned within two years after the end of the vacation in equal installments. For other loans, you will pay back the accrued amounts when you pay off the rest of the debt. They will be divided into payments that do not exceed the monthly installments for this loan.

The maximum term for a credit vacation is six months. You can stop them at any time. To do this, you need to contact the bank. The institution will send an updated payment schedule.

You can get a grace period for each loan only once. But then you can use other ways to ease the financial burden, such as taking a mortgage vacation. By the way, if you have already taken them, you are still allowed to receive a coronavirus respite.

During your loan holidays, you can deposit money for a loan. They will be used to pay off the principal debt.

How to get credit holidays

You need to contact the bank for a deferral until September 30, 2020. You can apply in free form in the manner specified in the loan agreement. In addition to the application, within 90 days from the date of its submission, you must send documents confirming the change in income:

• 2 ‑ personal income tax certificate for 2019. You can get it in your personal account at website tax office or ask your employer.
• A document confirming the decline in income. This is 2 ‑ personal income tax for 2020 (issued by the employer), a certificate of registration at the labor exchange or sick leave - it is better to check with the bank what he needs.

But it is important to understand whether you really have the right to the vacation. If it is not confirmed or you do not send the documents, the deferral will be canceled, and you will be charged penalties and fines for the debt.

The bank has five days to consider the application. Then you will be informed of the results.

You choose the start date of the deferral. For credit cards, this can be any date from the date of contacting the bank with a request for a vacation. With consumer loans, it is allowed to take a deferral retroactively: up to 14 days before the date of contacting the bank. For mortgages - up to 30 days before the date of circulation.

Increased sick leave

From April 1 to December 31, sick leave payments are accruedFederal Law dated 01.04.2020 No. 104-FZ "On the specifics of calculating benefits for temporary incapacity for work and the implementation of monthly payments in connection with the birth (adoption) of the first or second child " in a new way. Now for a full month of illness or quarantine (not to be confused with self-isolation) cannot pay less than the minimum wage. Now the minimum wage is 12 130 rubles.

When calculating sick leave, seniority is taken into account. If he is less than five years old, the employee is paid 60% of the average earnings, from five to eight years - 80%. It takes eight years to work to get an average wage. As a result, a novice specialist with an average income of 18 thousand rubles would have previously received only 10.8 thousand for sick leave. Now for a full month he is entitled to at least 12.13 thousand.

If a person took sick leave for less than a month, he will be paid in proportion to the sick leave time. Suppose a young specialist returned from abroad in April and is forced to isolate himself for 14 days. He will be credited with 5.66 thousand. And according to the old scheme, it was 5.04 thousand.

It is important to note two points here:

• Have to pay Personal income tax. If the sick leave for a month is equal to the minimum wage, then the employee will receive 10,553 rubles.
• The new law will only affect people with not very high salaries. Say, with an average income of 20 thousand, monthly sick leave payments will amount to exactly 12 thousand, that is, the benefit will be only 130 rubles. If the income is 21 thousand or more, payments will be calculated according to the old scheme. For people with experience from five to eight years, the threshold is even lower. The new payment system is suitable only for those who, on average, receive less than 15.5 thousand.

Increased unemployment benefits

From March 30 to December 31, 2020, the maximum unemployment benefit will be equal toResolution of the Government of the Russian Federation of March 27, 2020 No. 346 "On the minimum and maximum amounts of unemployment benefits for 2020" to the minimum wage and will be 12 130 rubles. But this does not mean that everyone will receive this amount until they find a new place.

Unemployment benefits calculatedbased on the average income over the past three months. The first three months after registration at the labor exchange, it is 75% of the average earnings, the second three - 60%. Then they stop paying the allowance. Moreover, its size cannot be less than the minimum and more than the maximum. Previously, it was 1.5 thousand and 8 thousand rubles, respectively. Now the maximum allowance has been increased to 12,130 rubles, the minimum has remained the same.

To receive an increased allowance, you need to earn at least 16.2 thousand a month. If the salary was lower, then the benefit will also be lower. However, in the near future should be releasedNewly unemployed people will automatically receive the maximum unemployment benefit and additional payment for children for 3 months a government decree, according to which from April 1 to June 30, all new unemployed will receive the minimum wage. Additional payments are also provided for parents of minors - 3 thousand for each child.

The Ministry of Labor informs that you can register as unemployed through the website “Work in Russia». You will need a work book with a letter of dismissal and a certificate of income for the last three months.

Cancellation of penalties for non-payment of utility services

Delay in payments for residential premises, utilities and overhaul will not be punishable by fines until the end of 2020. Relevant documentOn the specifics of providing utilities to owners and users of premises in apartment buildings and residential buildings signed by Prime Minister Mikhail Mishustin.

Automatic renewal of social benefits

For six months, people receiving payments and benefits do not need to prove their right to do so. It will be renewed automatically. This, for example, includes:

• Monthly paymentsFederal Law dated 01.04.2020 No. 104-FZ "On the specifics of calculating benefits for temporary incapacity for work and the implementation of monthly payments in connection with the birth (adoption) of the first or second child " for the first and second child - the so-called Putin's. They are received by families in which the average per capita income is less than two living wages.
• SubsidiesResolution of the Government of the Russian Federation dated 02.04.2020 No. 420 to pay for housing and communal services.
• PensionsThe Pension Fund extends payments to citizens in accordance with the instructions of the president loss of breadwinner for recipients over the age of 18.

Additional payments for children

Families eligible for maternity capital from April to June will receiveDecree on additional measures of social support for families with children additional monthly allowance. Payments of 5 thousand rubles are due for each child under the age of three. You can apply for them to the Pension Fund before October 1.