Russian President Vladimir Putin.
Photo: GLOBAL LOOK PRESS
On Monday, July 24, Vladimir Putin signed 16 new laws. Among themselves they are important, but completely incomprehensible to the common man. Take at least a new digital ruble. We have reviewed the accepted papers in order to put the gist of it to the readers in simple terms.
THE THIRD STATE OF THE RUBLE
The law on digital rubles will come into force very soon, from August 1. But economists say that people will start using it more or less actively, God forbid, by 2030.
Now we are going to explain what we are talking about. The digital ruble is the third hypostasis of our usual “wooden” ruble. The ruble is now available in cash, non-cash and digital. However, the cost is the same in all cases.
The digital ruble is somewhat similar to a cryptocurrency. It exists only in the form of a digital code in a wallet in the electronic system of the Russian Treasury. The main difference from the same bitcoin is that the issuance of digital rubles is controlled only by the Central Bank and no one else. There are no miners who earn money with the help of video cards.
Why do we need a digital ruble? Specifically, here and now it is not necessary, but in the future it may be useful. Digital rubles will not be “stored” in any particular bank, but in the Treasury. Consequently, it is impossible to lose money by the bankruptcy of a credit institution simply because they are backed by all the reserves of the Central Bank.
All digital ruble transfers will be free and interest-free, as they are not tied to any particular bank.
Digital rubles can be freely exchanged for ordinary non-cash money at any bank and then withdrawn from an ATM.
The law refers to soldiers, sailors, sergeants, foremen, ensigns or midshipmen. For those belonging to the first category, the age limit increases from 35 to 40 years, for the second – from 45 to 50 years, for the third – from 50 to 55 years.
It also increases the age limit to be in the reserve of mobilization of citizens in the reserve. For senior officers, it will be 65 years, for junior officers, 60 years, for those with other ranks, 55 years.
“Reserves” in Russia are those who have been discharged from military service, graduated from military educational institutions, trained in “military departments” at civilian universities, and also completed alternative civilian service.
Enrolled in the reserve are all those who did not serve conscription “in connection with release,” who had a deferral, and are not subject to conscription until they reach the age of 27 (while that maximum age of conscription is in effect, the law to raise it to 30 has not yet been adopted).
The President signed the law on the legal regulation of common property. Each owner, for example, an apartment in a large house, has the right to use common property. And it is possible to transfer common property for the use of third parties only with the consent of 2/3 of the owners.
The law can have curious consequences. For example, in relation to commercial basements. Some time ago, the municipalities took away the right to have basements with commercial premises, benefiting from the rent or earning from the sale. But the signed document only says that it is illegal. After all, the owners should earn money on rent for basements, and these are the owners of the apartments in the house, and not local officials.
From January 1, all Russians who find themselves in a difficult life situation will have the right to freeze consumer credit.
To do this, a person must live in an area where an emergency has been declared; the elements destroyed the property; Revenue fell more than 30% in two months.
Credit vacations can be taken for up to 6 months and only once during the term of the loan agreement.