CrimeaPRESS reports:
We are talking about changes that may be important for owners and buyers of real estate from June 1, 2023. Material of portal specialists Domclick.
Child benefits will be calculated on the same days throughout the country
Starting June 1, 2023, the schedule for calculating child benefits will change. Previously, the regions themselves set the terms of payments, now the Social Fund of Russia will transfer money to bank cards of residents on the same days throughout the country.
The Unified Child Benefit will be paid on the 3rd of each month. That is, the payment for June will arrive on July 3rd, and so on. The maternity capital will be credited on the 5th day of each month, and the allowance for caring for a child up to one and a half years old will be credited on the 8th day of each month.
If residents receive money by Russian Post, then the dates of payments will depend on the work schedule of post offices.
The Russians will be able to refuse the delivery of biometrics
From June 1, 2023, amendments to the Law on the Identification and Authentication of Individuals Using Biometric Personal Data will come into force.
Recall that banks, companies and individual entrepreneurs, notaries, government agencies are required to transfer the biometric data of Russians — face image and voice recording — to the Unified Biometric System.
Now residents of the country will be able to refuse to transfer their biometric data by submitting an application to the MFC with a personal signature. At the same time, companies, banks and government agencies will not be able to refuse to provide services.
New requirements of the Central Bank on mortgages come into force
From June 1, 2023, at the request of the Central Bank, banks will begin to apply a new procedure for applying allowances to risk ratios and new requirements for calculating the debt burden indicator of borrowers (LBR). An increase in risk ratios increases the capital stock of banks to cover potential losses.
Thus, the premiums on risk ratios for newly issued mortgage loans for housing under construction will be valid for another year after the house is put into operation, or the buyer registers the apartment as a property.
At the same time, surcharges will not be applied to mortgages issued to borrowers with a debt load of no more than 60% for housing under construction under preferential programs, and if the down payment is at least 20% from June 1, 2023 and at least 30% from January 1, 2024 of the year.
As explained in the Central Bank, there is no talk of increasing the down payment to 20% and 30%. But with a down payment below the established threshold, the loan will be subject to more stringent regulation.
source: Domclick
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