GENERICO.ruЭкономикаWhat's new for Russians in June: taxes, pensions, mortgages will change

What's new for Russians in June: taxes, pensions, mortgages will change

Experts named the legislative innovations of the first month of summer

So summer is coming! Holidays, vacations, heat, sea, sun, dachas… But the legislative season knows no break. June will begin with a whole sea of ​​hot legislative innovations. The changes will affect families with children, tourists, mortgage holders, pensioners and even women behind bars. All details are in the comments of MK experts.

Experts named legislative innovations of the first month of summer

Change from June 1 rules for calculating the amount of a single benefit for families with children. Now, when calculating the average per capita income, which determines whether such a benefit will or will not be paid, otherwise alimony, payments for parental titles and money in nominal accounts of teenagers are taken into account.

Alimony will still be taken into account, but if the amount of alimony is established by a court decision, then the actual amount that was credited to the account is taken into account. If alimony is assigned by agreement of the parties, then the actual amount will also be taken into account, but not less than 5% of the minimum wage for one child, 33% for two children and 50% for three or more children. In money this is 4810.5 rubles, 6349.86 rubles and 9621 rubles, respectively.

Payments for parental titles (“Mother Heroine”, order or medal “Parental Glory”) are no longer included in the average per capita family income, as well as money in nominal accounts of adolescents under 18 years of age. If a child works and a salary is transferred to the account, then it will not be taken into account only if he is studying at school, university or college at that time.

“Any benefits are important, but payments for children have always played a special role in Russia. The state pays great attention to these types of payments and regularly makes adjustments to the provisions of the relevant legislative acts, as a rule, expanding the circle of recipients of such benefits and simplifying the rules for their calculation. This fully applies to the June innovations. First of all, I would like to note that including alimony in the calculation of benefits is the right decision. Some are trying to get alimony and sit on benefits. It is important that alimony is recorded not in words or in personal SMS, but is written down officially so that it can be taken into account.”

Until June 3, tax residents — citizens of Russia — must submit a report on money in foreign accounts. Actually, by law, this is required to be done before June 1, but since June 1 and 2 are weekends this year, the deadline for submitting the declaration has been moved to Monday, June 3. There are several ways to submit a tax report.

First, personally contact the Federal Tax Service office at your place of registration. Residents who do not have a place of residence or real estate in Russia can submit a report to the tax authority of their choice. Secondly, through your personal account on the website or application of the Federal Tax Service. Thirdly, by registered mail to the Federal Tax Service office at the place of last registration. Fourthly, through an authorized person who has the right to submit declarations, notifications, and reports. For non-compliance by citizens with the procedure for submitting reports on the flow of funds, administrative liability is provided in the form of a fine in the amount of 2 thousand to 3 thousand rubles. For a repeated violation, the fine increases to 20 thousand rubles.

“This obligation exists for those citizens of the Russian Federation who have opened accounts and have deposits abroad. You must submit both notifications about opening an account and about closing such accounts. It is necessary to submit reports, even if there was no movement on such accounts. There are a number of exceptions — for the countries of the former CIS and if transactions on such accounts do not reach 600 thousand per year. It must be understood that for those citizens who have ceased to be residents of the Russian Federation, this obligation is canceled.

In addition to direct fines for failure to submit reports on cash flows on foreign accounts, it is also necessary to declare income, in particular, income received from leasing foreign property. Receipt of such money into foreign accounts may be qualified as foreign exchange transactions subject to regulation by the law on foreign exchange transactions. In case of violation, penalties will still be applied for violation of currency laws. The fines there are already much higher, including as a percentage of the transaction amount. Previously, it was not considered possible to extend this law to individuals.”

From June, those who turn 80 this month will be able to receive a double fixed payment to their insurance pension. Those pensioners who are assigned group I disability can count on the same additional payment. In this case, the additional payment can be established only once — either for one reason or for another. The amount of the fixed payment in 2024 is 8134.88 rubles.

In addition, pensioners who worked until May (and, accordingly, did not receive an indexed pension), and quit in May, will be able to count on indexation of their pensions — from June, the insurance part of their pension will begin to be indexed.

“We can say that the state made a gift to two categories of pensioners, but to what extent this “gift” will satisfy the recipients is an ambiguous question. On the one hand, receiving a double pension is, of course, a plus for those for whom this increase is intended. It is also important that one of the categories of pensioners that are subject to an increase in pensions are working pensioners, whose pension is not indexed, but they have a chance to receive an increase in their pension after leaving work. Considering that many pensioners are more inclined to save their income rather than spend it, unlike young people, they will be able to put part of their additional income into the bank and receive very good interest on their savings — after all, interest rates are now high. However, the increased old-age payment of 16,269 rubles. in dollar terms is only $183, which is incomparable to pension payments in, say, the G7 countries. So Russia still has the task of really raising living standards, and primarily for such socially vulnerable groups as pensioners aged 80+.”

From June 1, 2024, the conditions for issuing Far Eastern and Arctic mortgages will change. Thus, now it will be available to teachers and doctors who have not yet received 5 years of experience (previously, this condition was mandatory). The maximum loan size for purchasing on the secondary market of single-industry towns has also increased — up to 9 million rubles for housing larger than 60 sq. m.

Also, from June 1, Far Eastern and Arctic mortgages will be available to participants in a special military operation and their family members if the participant died while performing tasks during the SVO.

“De facto, these are legislative amendments aimed at attracting scarce specialists to regions with harsh climates, which can fully be considered teachers and doctors. I believe that this measure will not have a serious impact on the market even in those regions where lending opportunities have been updated — demand there is already relatively stable, and a couple of percent growth is not that much. The same applies to single-industry towns — everything here is absolutely logical, since so far they are not very attractive for developers and only secondary housing issues have to be resolved.

As for the possibility of obtaining a mortgage for SVO participants and members of their families, there is only one question — why this measure was not introduced earlier, since benefits for military personnel are now available almost everywhere, including in matters related to lending, and in all regions . Therefore, here we can talk about quite reasonable amendments to the legislation.»

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On June 1, a law comes into force that allows public catering establishments to sell alcohol on seasonal areas adjacent to them — summer verandas. Previously, this was prohibited; the fine for such a sale reached 300 thousand rubles. Now the restaurant can sell alcohol on the summer veranda, regardless of its strength. To do this, he must have a license to sell alcohol, but he does not need to obtain it again to sell alcoholic beverages on the veranda.

“In non-stationary retail establishments when providing catering services, it was previously possible to sell alcohol with an ethyl alcohol content of no more than 16.5% of the finished product. At the same time, the status of a non-stationary retail facility was required. The adopted law introduces a new concept of “seasonal hall (zone) for serving visitors,” allowing the sale of any alcoholic products there. I assess these changes negatively, since they will contribute to an increase in alcohol consumption, including strong alcohol. Consumption of strong alcoholic beverages is a key cause of high alcohol-related mortality in Russia, since the high ethanol content in relatively small volumes of strong drinks provokes the simultaneous consumption of large doses of alcohol. The most optimal would be to provide the opportunity to sell only weak alcohol, including wine, in seasonal halls, that is, to apply the approach that was previously provided for by law in relation to non-stationary retail facilities.”

From June, persons who are individually engaged in folk crafts will be allowed to obtain self-employed status — without the need to submit tax reports and pay mandatory insurance contributions. Previously, in order for manufactured products to be considered handicrafts, their authors could only work as individual entrepreneurs or under an agreement with legal entities. The production of handicrafts allows you to receive various support measures from the state.

“This is a very correct decision. At first glance, it may seem that the issue is solely about the taxation of craftsmen. But being in a gray zone is not always beneficial for such workers. Having self-employed status, you can, for example, get a loan. Registering a company or individual entrepreneur is often too difficult and unjustified for them, since their annual turnover does not always exceed 2.4 million rubles (the maximum for the self-employed today). And they need to show transparent income in order to take out, for example, a mortgage. So such a decision can only be welcomed — this is a plus both for those involved in folk crafts and for the state.”

On June 1, a new law comes into force that regulates the activities of tourist guides who lead travelers along dangerous and difficult routes. All of them will be required to undergo certification in one of the sports federations or government-approved organizations. It will be illegal to take tourist groups on hikes without certification. Local authorities will monitor this. Guides will also be required to: inform the Ministry of Emergency Situations about the beginning of the route and about the return from it; periodically undergo retraining and recertification.

From June 10, a law will come into force that will allow women to be released on parole on new grounds. This will affect those women who have committed a minor crime and have already served a quarter of their sentence. The basis for parole will be the presence of a child under 4 years of age — previously it only applied to those women who had a child under 3 years of age. In addition, this child must be with a convicted woman or in a children's home at a correctional institution.

From June 18, the list of vital medications is expanding — it will now include drugs to combat viral and bacterial infections and for treatment multiple sclerosis. Being included in the list of vital drugs is important, since the prices for these drugs are regulated by the state and they can be issued free of charge upon prescription by a doctor as part of treatment under compulsory medical insurance.

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