What will change for Voronezh residents from October 1

With the beginning of the second autumn month in Russia comes into force a number of legislative changes. They will affect families planning to improve housing conditions, online buyers, borrowers, train passengers and football fans. "Vesti Voronezh" gathered the main thing.

Family mortgage: the rate depends on the number of children

The program of preferential housing loans has undergone a significant adjustment. Now the interest rate and the loan limit are directly linked to the number of minors in the family. For most regions, including the Voronezh region, the following gradation applies:

one child under seven years of age - 10% per annum, a maximum of 6 million rubles;

two children – 8% and 8 million rubles;

three – 6% and 10 million rubles;

four – 4% and 10 million rubles;

five or more - 2% and 10 million rubles.

For Moscow, St. Petersburg and the surrounding regions, each of these rates will be higher by two percentage points. In addition, the period of subsidizing the preferential rate is now limited to fifteen years.

Marketplaces: claims can be made on the platform

Buyers have additional protection. If the goods purchased through the digital platform turned out to be defective, the consumer has the right to apply to the seller directly through the marketplace interface. The operator is obliged to provide such technical capability.

Rail tickets are going up

The fare in the common carriages of long-distance trains will increase by 9.2%. The indexation will not affect suburban trains, where tariffs are set at the regional level.

Microloans: a new limitation

Microfinance organizations are deprived of the right to issue a third loan with a full value of more than 200% per annum if the client already has two outstanding loans on similar terms. The rule will be valid until April 1, 2027, after which the requirements will be tightened. The list of information transferred to qualified credit bureaus is also expanding.

ATMs: replenishing an account in another bank

Voronezh residents will be able to deposit cash through an ATM of one bank to an account in another bank. The transaction will be carried out through the Quick Payment System. However, the free limits of the SBP do not apply to it - the commission has the right to establish both banks. The service is voluntary, so in the first months there may be situations when it is simply not connected to any of the parties. Limits: 25 thousand rubles at a time, 50 thousand per day, 200 thousand per month.

Children's goods: VAT subject to condition

The reduced VAT rate of 10% for the import and sale of children's goods will be applied only if there are documents confirming the conformity of products with the requirements of the law.

Vapes and tobacco: new rules

The procedure for determining the zone around educational institutions where the sale of tobacco and nicotine-containing products is prohibited has been specified. The boundaries will be set based on the results of public discussions. In addition, licensing of retail and wholesale trade in such products is introduced.

Fan ID for Torch fans

From October 1, the fan card becomes mandatory for visiting all matches of Voronezh Torch. Previously, Fan ID was required only at the games of the championship of Russia, the final of the Cup of the country and the Super Cup. The card can be issued through "Public Services" or in the MFC.