In April the part of citizens of Russia will increase Pensions. In addition, to change the law on compulsory auto insurance, And to obtain the credit for urgent needs will become more difficult. Read more about main the April innovations in the material of the Fins news . Important fix APR - indexation of social pensions by two percent To almost 4 million citizens of Russia. Until the next indexing disabled women over 65 and men over 70 years (the indigenous peoples of the North - 50 and 55 years, respectively) will be charged 5283, 9 ruble. The same payments are provided for children up to 18 and students up to 23 years after the loss of a breadwinner. The new size of pension of the full orphans of the same age - 10 567, 7 ruble. Disabled immediate military service the third group, the Pension will increase up to 9246, 7 ruble, the second - to 13 209, 6 ruble, first to fifteen 851, 6 ruble. Family members of such persons with disabilities, deaths due to disease acquired during service will be charged 7925, 8 rubles. For deaths due to injury will receive 10 567, 7 ruble. Pensions for Chernobyl victims Since the beginning of April will rise to 13 209, 6 ruble. The same amount - the veterans of the great Patriotic war With first disability group. Veterans of the second group of social Pension will increase to 10 567, 7 ruble, the third - by 7925, 8 rubles. Adults with Disabilities first group and Disabled From childhood of the second group of payments will rise to 10 567, 7 ruble. The disabled of the first group From childhood and Disabled children up to 12 681, 1 ruble. Adults with Disabilities of the second group will pay 5283, 9 rubles, the third group - 4491, 3 rubles. Adjustments in mandatory insurance of civil liability of vehicle owners (OSAGO) will affect the system calculation of the coefficient "bonus-Malus" (MSC) - discounts for accident-free and bonuses for crash-riding. If the cost of new insurance for the next period is calculated on the day of the end of the policy, that is individually For each car owner, now has a single date - April 1. In addition, If the driver entered into several insurance policies to a new insurance policy will be used a minimum factor of all. Another Important innovation for the drivers of cars of legal entities: From 1 April are set to the same MSC For all cars registered to a legal entity. One further correction will start to operate April 2: when purchasing the insurance policy online in the "Single agent" (the paper version) and "e-Garant" (electronic version) the consumer will be able to choose the insurance company. At present this choice the system makes automatically, which is not always convenient: for example, the car owner is invited to buy a policy the insurer has no office in his region. From 1 April will join the list of items subject to reduced to ten % tax on added cost (VAT). Among them - children's products, the duty on which customers had to pay in full (20 percent), starting in 2019. This, for example, cradles and beds, playpens, mattresses, blankets and bed linen. Despite the fact that some subjects in this category had previously levied a ten percent VAT after the entry into force of the new regulations the list has expanded considerably. at a reduced rate will be taxed tricycles, scooters, pedal cars and other transport For most little ones, If they have motors and actuators, as well As certain types of dolls and children's clothing. Full list of items subject to VAT at a reduced rate posted here, starting With the fourth page. How will This affect prices, it's hard to say. According to calculations the reduction of the VAT rate enables sellers to minimize prices, or at least not to increase them. But retailers have the opportunity to try to apply innovation to increase revenue. Important fix will affect consumer lending. At the beginning of the winter, the Central Bank is concerned about the growth of the loan burden on the population and decided to increase the risk factors For the credit institutions: 1 APR unsecured loans (For which no additional guarantees like collateral or surety) From the full price of ten to 30% this ratio will increase by 30 percentage points. From 1 April To credit the full price of ten to fifteen % risk ratio will equate to 50 percentage points, the price from fifteen to 20 % - to 70. For loans price 20-25 % premium will raise to 100 points, And the most expensive will be the loan price 25-30 % - For them, the allowance will be 130. This means that due to the increase in the coefficient Bank, giving loans With high risk in fact reduces the amount of own funds. But If it will give too much of unsecured loans With high risk and reduce their own capital to dangerous levels, the Central Bank may revoke his license. of course, banks will choose to deny borrowers in such loans and will direct those funds to any other investment activity which will enable them to earn more income With less risk from the more liquid assets. So in the end the borrower will be harder to get a loan without collateral. <span style="color:darkgray