What will change in the lives of Russians from July 1
July will bring Russians not only the holiday season, but also a number of legislative changes that will take effect from the first days of the month. The new rules will affect various areas of life, including the purchase of housing, registration of social benefits and pensions, obtaining loans, as well as issues related to the representation of the interests of relatives. The information about which innovations will come into force on July 1 and how they will affect citizens can be found in the Izvestia article.
Online real estate transactions will be processed using biometrics
Starting from July 1, 2026, the procedure for remote registration of real estate rights will change in Russia. Now, in order to conduct electronic transactions, citizens will need to be identified through the Unified Biometric System (EBS). The relevant amendments were approved by a law signed on June 7, 2025, which amended Article 32.6 of the Law on State Registration of Real Estate.
The new requirements apply exclusively to transactions in which documents are submitted to Rosreestr in electronic form. This includes, in particular, the purchase and sale of housing, mortgage registration in agreement with the bank, donation, exchange of real estate and registration of shares.
At the same time, the procedure for conducting transactions in face-to-face format will remain the same. If the parties personally apply to the MFC or to a notary and submit documents with a passport, they will not need to undergo biometric identification.
Pensioners of the North will find it easier to confirm the right to a supplement
Starting from July 1, 2026, the procedure for confirming the right to an increased fixed payment to an insurance pension will be simplified for pensioners living in the Far North and equivalent areas. The relevant changes are provided for by the Decree of the Government of the Russian Federation dated April 2, 2026 No. 366.
Currently, in order to receive the northern allowance, pensioners need to confirm their actual residence in the region. However, after the new rules come into force, those who receive a pension through the Russian Post will not have to go through this procedure annually — at home or at the cash desk of the post office.
The simplified procedure will also apply to citizens who are permanently or temporarily staying in various organizations, including inpatient social service institutions, hospitals, educational and correctional institutions. If necessary, the Social Fund of Russia will be able to independently conduct additional verification of information about the pensioner's place of residence.
Parents will have access to teenagers' bank certificates.
New rules will come into force in Russia on July 1, 2026, which will expand the possibilities of parents and other legal representatives of minors in obtaining banking information. The changes are fixed by Federal Law No. 163-FZ of June 24, 2025, which amended the Law On Banks and Banking Activities.
According to the new regulations, banks will be able to provide information about accounts, deposits and transactions on them to legal representatives of teenagers aged 14 to 18 years. Parents, adoptive parents, guardians, and caregivers will be able to obtain such documents. It is assumed that this will simplify the resolution of issues related to litigation, interaction with guardianship authorities, the processing of various documents or the settlement of disputes with credit institutions.
At the same time, the innovation will not apply to minors who have acquired full legal capacity before the age of 18. We are talking, in particular, about teenagers who have undergone the procedure of emancipation or who have married. In such cases, they independently manage their rights and banking information.
There will be a new type of life insurance
From July 1, 2026, the provisions of Federal Law No. 172-FZ of June 10, 2026, which introduce a new type of life insurance with an investment component, will come into force in Russia. Now such contracts will be divided into two types: life insurance with declared profitability and insurance with estimated profitability.
In the first case, the insurer, in addition to the insurance or purchase amount, will pay the client an investment income, the amount of which is determined by the insurance company itself and is not tied to specific assets. We are talking about a minimum guaranteed income.
In the second case, the income will be calculated according to the formula specified in the contract. Its size will depend on the profitability of certain assets or groups of assets, the values of financial indicators, or the occurrence of conditions stipulated by the legislation on the securities market.
Only individuals with the status of a qualified investor will be able to conclude an insurance contract with an estimated return. At the same time, the insurance premium must be paid in a lump sum and amount to at least 6 million rubles. Insurance companies will also have the right to independently recognize citizens as qualified investors based on their applications in accordance with the procedure established by the Law on the Securities Market.
Will strengthen the protection of borrowers of MFIs
Since July 1, 2026, the updated standards for working with clients, approved by the Bank of Russia, will begin to apply to microfinance organizations (MFIs). The new requirements are aimed at increasing the transparency of loan terms and additional consumer protection.
According to the document, MFIs will no longer be able to independently approve additional services for the client, including if such services are offered after the conclusion of the loan agreement. The borrower will have to make the decision to connect them independently and consciously.
In addition, microfinance organizations will be required to provide customers with complete information about additional services at all stages of their registration. Borrowers will need to receive information in advance about the service provider, the possibility of canceling it, and how such a refusal may affect the terms of the loan.
The new rules will also limit the use of marketing techniques in the execution of contracts. MFIs will not be able to highlight the most attractive terms in large print, color, or other visual means, while concealing the less advantageous provisions of the agreement.
In addition, the updated basic standard clarifies the procedure for reviewing customer requests, requirements for informing about risks and terms of contracts, as well as certain rules regarding the collection of overdue debts.
Banks will limit the issuance of risky loans
On July 1, 2026, the decision of the Board of Directors of the Bank of Russia dated April 29, 2026, establishing new macroprudential limits for banks and microfinance organizations, will come into force. The measures are aimed at reducing the debt burden of the population and limiting the issuance of loans to borrowers with a high debt burden.
The new restrictions will affect consumer loans, credit cards, car loans, and mortgages. The regulator will reduce the allowable share of loans that can be issued to citizens who send a significant portion of their income to service debts. Special attention will be paid to borrowers whose debt burden exceeds 50% and 80% of income.
In addition, banks will continue to be subject to strict restrictions on the issuance of long-term unsecured loans for a period of more than five years, as well as mortgage loans with a low down payment and a high debt burden of the borrower.
The Bank of Russia expects that the new limits will help reduce risks in the lending market and prevent a further increase in the number of citizens with excessive debt burden.
The Central Bank will simplify settlements between residents and foreign companies
Starting from July 1, 2026, the requirements for residents' foreign exchange transactions in settlements with foreign companies will be relaxed in Russia. The relevant changes are provided for by the Bank of Russia's decision No. PRG-43-11/1199 dated June 1, 2026, as well as by the Bank of Russia's instruction No. 7333-U dated March 31, 2026.
In terms of settlements with non-resident foreign legal entities, residents will be able to pay for shares, deposits and shares in their property without obtaining individual permission from the Central Bank, subject to the established limits. The total volume of such transactions in favor of one non-resident should not exceed the equivalent of 30 million rubles at the exchange rate of the Bank of Russia on the date of payment, while all transactions from April 1, 2024 are taken into account. The previous limit was twice as low.
Starting from July 4, 2026, the possibilities of conducting foreign trade settlements are also expanding. Residents will be able to make payments under contracts not only through authorized banks, but also through accounts with foreign financial institutions that are not banks, provided that such contracts are subject to registration.
At the same time, the procedure for currency control is simplified: it will no longer be necessary to inform the authorized bank of the transaction type code when debiting funds in foreign currency or rubles, including when acquiring digital rights. The procedure for submitting documents on cash transactions is also being clarified: resident parties to foreign trade contracts will be required to submit documents and information on cash settlements to authorized banks, including cases when funds are received from non—residents or transferred through third parties. At the same time, it is necessary to confirm the grounds for receiving or transferring such funds.
The Social Fund will simplify the registration of benefits
Starting from July 1, 2026, the procedure for collecting information for assigning social benefits will change. The relevant amendments are provided for by Decree of the Government of the Russian Federation No. 545 dated May 10, 2026.
The new rules will affect payments for temporary disability, maternity benefits, a one-time allowance for the birth of a child, as well as a monthly child care allowance. When assigning payments, the Social Fund of Russia will primarily use information already contained in the individual personal account of a citizen.
If the necessary data is not available in the system, the fund will be able to request the missing information from the employer or the recipient of the benefit. In particular, we are talking about information about the insurance record and individual periods of release from work, which are taken into account when calculating payments.
It is expected that the innovation will reduce the amount of documents that citizens have to provide for registration of benefits. At the same time, employers will be required to promptly provide the necessary information at the request of the Social Fund, if they are not available in its information systems.
The VAT rate for a number of dairy products will change
Starting from July 1, 2026, the procedure for applying the preferential VAT rate for certain food products will change in Russia. According to the decree of the Government of the Russian Federation dated March 10, 2026 No. 252, dairy products with a milk fat substitute, as well as spreads, will be excluded from the list of goods taxed at a reduced rate of 10%.
Thus, the standard tax rate will begin to apply to these product categories. The change will affect manufacturers and sellers, for whom the tax burden will increase.
Experts note that this may also affect final prices: some of the additional costs of a business can be transferred to the retail value of goods, which will lead to their rise in price for consumers.
The EGRN will begin to provide information about the boundaries of farmland
Starting from July 1, 2026, the procedure for maintaining the Unified State Register of Real Estate in Russia will change. The EGRN will begin to include information about the boundaries of agricultural land. The relevant changes are stipulated by Federal Law No. 478-FZ of December 15, 2025, which amends the Law On State Registration of Real Estate.
The new rules are aimed at increasing the transparency of data on agricultural land. Information about land boundaries will be taken into account along with the characteristics of the land plots themselves.
This will make it possible to more accurately verify the status and purpose of land during transactions, as well as take into account additional information when working with agricultural land. The changes will affect land owners, potential buyers, and real estate market participants associated with agricultural areas.
Control over the labeling of goods and the issuance of "Fair Sign" codes has been strengthened
Starting from July 1, 2026, the requirements for working with the Honest Mark marking system will be expanded in Russia. The changes are provided for by Resolutions of the Government of the Russian Federation No. 1681 dated November 30, 2024, No. 818 dated May 31, 2025, and No. 526 dated May 7, 2026.
As part of the innovations, participants in the turnover of cosmetics and household chemicals will be required to transmit data on product turnover and its withdrawal to the system. In addition, for certain types of sweets and confectionery products, it is mandatory to apply means of identification and transfer labeling information when the product is put into circulation.
Since July 6, 2026, control over the issuance of labeling codes has been strengthened. The system operator will begin checking whether the company actually produces the declared products, including shoes, clothing, perfumes, tires, and dietary supplements. In the absence of confirmation, the issuance of codes may be refused.
The check will be carried out both remotely based on the registration data in the system, and with a possible departure to production. The assessment takes into account the availability of equipment, personnel, and actual output.
In Russia, the procedure for conducting property auctions is being unified
Federal Law No. 577-FZ of December 29, 2025, which establishes uniform rules for conducting property auctions, will enter into force in Russia on July 1, 2026. The document is aimed at standardizing the procedures of state and municipal auctions, increasing their transparency and ensuring equal conditions for market participants.
The law establishes the mandatory transition of property auctions to an electronic format. Auctions and tenders will be conducted only on electronic platforms, the list of which will be determined by the Government of the Russian Federation. There are also uniform deadlines for the publication of notices: at least 10 working days for auctions and at least 25 working days for tenders.
In addition, the mandatory provision of applications for bidders is being introduced, while operators of electronic platforms are prohibited from charging fees for participation. If the winner refuses to conclude the contract, the obligation to sign it may pass to the second bidder.
Another innovation will be a ten-day moratorium on concluding a contract based on the results of the auction. This period is provided for possible appeal of the results to the antimonopoly authority. An exception is provided for procedures that were decided to be conducted before July 1, 2026, and they will be completed according to the previously valid rules.
Compensation for remote workers will be exempt from insurance premiums
Starting from July 1, 2026, new rules will come into effect in Russia regarding the assessment of contributions for insurance against industrial accidents and occupational diseases for remote workers. The changes are provided for by Federal Law No. 29-FZ of February 20, 2026.
According to the new regulations, compensation to employees for the use of personal property during remote work will not be subject to contributions in two cases. If the amount of compensation does not exceed 35 rubles per day, it is not necessary to provide supporting documents on expenses. If the payments exceed the established limit, the exemption from contributions remains subject to documentary evidence of the expenses incurred.
Previously, such compensations were not subject to contributions only if there were supporting documents, which made the accounting procedure more stringent. The new rules introduce a simplified version for small payments.
Employers are advised to review the procedure for processing compensation for remote employees and bring accounting in line with the new requirements in order to avoid unnecessary insurance charges.
The INN will become a mandatory requirement for transfers via the SBP.
Starting from July 1, 2026, Russia will introduce the mandatory use of INN when making transfers through the Rapid Payment System (SBP). The innovation affects both transfers between individuals and transactions between individuals and legal entities.
At the same time, you will not need to enter the INN manually with each payment. Banks will automatically transfer this identifier through the infrastructure of the National Payment Card System (NSPK) if it is already specified in the customer data. For users, the order of making transfers will remain the same: operations will be performed through mobile applications by phone number.
In cases where the bank does not have information about the client's INN, the credit institution will be able to request this information additionally. Before they are provided, the transfer may be restricted or sent for additional verification.
The introduction of the new requirement is aimed at strengthening control over financial transactions and countering droppage, a practice in which attackers use other people's bank accounts to withdraw and cash out funds. Since the INN is assigned to a citizen once and does not change throughout his life, it is considered as a stable identifier that makes it possible to more effectively identify suspicious transactions in payment systems, including SBP and Mir.
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