What will change in the laws from September 2020

Certain coronavirus regulations are no longer in force

When the pandemic was just beginning, several laws, orders, decrees were adopted in Russia, which were supposed to make our life easier. Many of them are valid until September 30th. Only a month left to do the following:

• apply for payments for children;
• get in the bank credit holidays;
• arrangeFederal Law of 25.05.2020 N 161-FZ CTP policy without technical inspection.

Part of the loan insurance can be returned

Insurance is not a prerequisite for obtaining a loan (if we are not talking about a mortgageFederal Law of 16.07.1998 N 102-FZ). But thanks to him, you can count on more favorable conditions from the bank or protect yourself from debts in case of death or illness. Insurance can be renewed annually or issued for the entire duration of the loan. And if you repay the loan ahead of schedule, then you overpay for policy.

In the past, it was often necessary to obtain the surplus through the courts. Now it's a duty to return the moneyFederal Law of 27.12.2019 N 483-FZ

insurers. The norm is valid only for contracts concluded from September 1.

You can go bankrupt without court involvement

The law allows a citizen to declare bankruptcy. Previously, this had to go to the arbitration court. From September 1, with a debt of 50,000-500,000 rubles, this can be doneFederal Law of July 31, 2020 N 289-FZ through the multifunctional center.

This method works if enforcement proceedings have already been initiated against the citizen to collect the debt, but he no longer has either income or property, so the proceedings were completed due to the return of the executive document recoverer.

The bankruptcy procedure will take six months from the date of application.

The Federal Tax Service will itself recognize the SP as invalid

From September 1, the tax office will be able toFederal Law of 12.11.2019 N 377-FZ independently remove entries about individual entrepreneurs from the Unified State Register of Individual Entrepreneurs. This will happen if two conditions are met:

• The IP 15 months ago expired the patent, or within the same period he does not submit any reports.
• The entrepreneur has tax debts.

Students will begin to educate

The law comes into force on September 1Federal Law of 31.07.2020 N 304-FZ, according to which universities and colleges must adjust curricula within a year. Now they are obliged to instill in students spiritual and moral values, to form in them feelings of patriotism, civic consciousness, and the like. Students and / or their parents (depending on the age of the students) must be informed about changes in the program by September 1, 2021.

Schoolchildren will be fed for free

From September 1, primary school students must provideFederal Law dated 01.03.2020 N 47-FZ hot breakfasts at the expense of the budget. If we are talking about the second shift, it could be lunches. Breakfast should contain 12-16 g of proteins, 12-16 g of fat and 60-80 g carbohydrates. Lunch will include 20-25 g of proteins and fats and 80-100 g of carbohydrates.

This year, meals will be available in most schools, but not all. In some places, the children will not be able to feed yet due to the lack of their own canteen or technical problems. The institutions were given a deadline until 2023 to rectify the situation.

Concessional loans for education will become more affordable

At the end of August, a government decree was issued that changedResolution of the Government of the Russian Federation of August 19, 2020 No. 1256 conditions for issuing concessional loans for education. Their meaning is as follows: while studying, the student pays the bank only interest, and in the first two years not in full. He pays off the main debt after receiving a diploma and starting work. The loan itself is issued at a low interest rate. The amount that the bank does not receive because of this is compensated by the state.

The system of concessional lending existed before, but in 2020 the conditions became more favorable:

• The interest on the loan will be 3%, not 9%, as it was before.
• The debt can be repaid within 15 years after graduation, not 10.
• The post-release period that the debtor is given for job search, is nine months instead of three.

The order also applies to loans that were received earlier. They are not issued everywhere, but only in banks that have agreed to participate in the program with the state.