FEDERAL LAW OF THE RUSSIAN FEDERATION

of July 31, 2025 No. 276-FZ

About features of change of terms of the contract of the credit (loan) upon the demand of the borrower - the subject of small and medium business or the borrower - the physical person applying special tax regime "Tax on the professional income"

Accepted by the State Duma on July 22, 2025

Approved by the Federation Council on July 25, 2025

Article 1. The relations regulated by this Federal Law

1. This Federal Law governs the relations arising in connection with the address of the borrower - the subject of small and medium business or the borrower - the physical person applying special tax regime "Tax on the professional income" to the creditor with the requirement about change of terms of the contract of the credit (loan) providing suspension of execution by the borrower of the obligations on return of credit amount (loan) for certain term.

2. Operation of this Federal Law does not extend:

1) on the obligations which arose from contracts of the credit (loan) with plurality of persons on the party of the borrower and (or) creditor, including on the contracts of syndicated loan (loan) signed according to the Federal Law of December 31, 2017 No. 486-FZ "About syndicated loan (loan) and modification of separate legal acts of the Russian Federation";

2) on the loans issued by the microfinancial organizations - subjects of small and medium business, the non-profit microfinancial organizations, and also the microfinancial organizations, founders (shareholders, participants) of which is the Russian Federation, the subject of the Russian Federation or municipality;

3) on the credits (loans) on which the pledge subject providing obligation fulfillment of the borrower is also the subject of prior or subsequent pledge providing execution of other obligations of the borrower or pledger to persons who are not participating in the agreement of the credit (loan);

4) on the credits (loans) on which borrowers are the subjects of small and medium business specified regarding 3rd article 14 of the Federal Law of July 24, 2007 to No. 209-FZ "About development of small and medium business in the Russian Federation".

Article 2. The basic concepts used in this Federal Law

1. For the purposes of this Federal Law the following basic concepts are used:

1) the borrower - person belonging to subjects of small and medium business, except for the subjects of small and medium business specified regarding 3rd article 14 of the Federal Law of July 24, 2007 to No. 209-FZ "About development of small and medium business in the Russian Federation", or the physical person applying special tax regime "Tax on the professional income", which signed the agreement of the credit (loan) for the purpose of implementation of business activity;

2) the creditor - the credit institution which provided loan the microfinancial organization, except for the microfinancial organizations specified in Item 2 of part 2 of article 1 of this Federal Law or the state corporation of development "ВЭБ.РФ" which granted the loan (loan) granted the loan;

3) grace period - the term during which in the case and procedure established by this Federal Law upon the demand of the borrower the changed terms of the contract of the credit (loan) providing suspension of execution by the borrower of the obligations are effective.

2. Other concepts and terms used in this Federal Law are applied in those values in which they are used in the civil legislation.

Article 3. Requirement of the borrower about provision of grace period

1. The borrower at any time during the term of the agreement of the credit (loan) has the right to address the creditor with the requirement about provision of grace period in case of simultaneous observance of the following conditions:

1) the loan amount (loan) does not exceed the maximum loan amount (loan) established by the Government of the Russian Federation for the purposes of application of this Federal Law;

2) within five years about day of the direction the borrower of the requirement about provision of grace period did not change upon the demand of the borrower, shown according to this Federal Law, terms of the contract of the credit (loan), condition of the initial agreement of the credit (loan) stopped in connection with the conclusion with the borrower of the new agreement of the credit (loan) and if the agreement of the credit (loan) is signed in pursuance of the framework agreement of the credit (loan) - within five years about day of the direction the borrower of the requirement about provision of grace period conditions of any of the agreements signed by the parties in pursuance of the framework agreement, upon the demand of the borrower, shown according to this Federal Law did not change;

3) on the date of receipt by the creditor of the requirement about provision of grace period there is no court resolution which took legal effect about introduction concerning the borrower of one of the procedures applied in the case of bankruptcy according to the Federal Law of October 26, 2002 No. 127-FZ "About insolvency (bankruptcy)" in the Unified Federal Register of Bankruptcy Information there are no data on recognition of the borrower by the bankrupt;

4) on the date of receipt by the creditor of the requirement about provision of grace period for the relevant agreement of the credit (loan) there is no become effective resolution (act) of court on approval of the voluntary settlement on the claim imposed by the creditor about debt collection of the borrower (about the address of collection regarding pledge and (or) about agreement cancelation of the credit (loan) or the become effective resolution (act) of court on debt collection of the borrower (about the address of collection regarding pledge and (or) about agreement cancelation of the credit (loan);

5) on the date of obtaining by the creditor requirements about provision of grace period by the creditor are not imposed the executive document, the requirement to the borrower's guarantor, collection regarding pledge, providing obligation fulfillment under such agreement of the credit (loan) is not turned;

The term of improper execution by the borrower of the obligations on return of credit amount (loan) or on interest payment for use of the credit (loan) does not exceed 6) on the date of receipt by the creditor of the requirement about provision of grace period 30 calendar days in a row;

7) on the date of receipt by the creditor of the requirement about provision of grace period are absent provided by the law or the agreement of the basis for submission of demand of the creditor on early return of credit amount (loan);

8) on the date of receipt by the creditor of the requirement about provision of grace period the borrower is not in process of reorganization or liquidation;

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