Today investors before putting a deposit, carefully choose the bank, checking reliability, paying attention to better offers and conditions.A couple of decades ago, such a choice is not granted all citizens who had surplus funds, trust their money to Sberbank.People for years delayed the funds for various needs, someone wanted to raise money to anything does not deny old age, someone opened an account in the name of children or grandchildren, some would like to save your home or car.Whatever it was, but in 1991, all hopes were dashed in a moment.Accumulated decades devalued money in the hundreds of times.
The state would be unfair to leave people in the lurch, so in 1996 a compensation of deposits.True, information about it in no hurry to disclose, so few knew about the payments, and could count on the money depositors born until 1916.Now the rules have changed, and compensation for deposits available to all citizens born before 1991.
Taking into account inflation, the government has developed the following scheme payments.Depending on the age of the contributor Soviet contributions will be multiplied by two or three times.So, for those who were born before 1945, provides for compensation for deposits 1991, three times the amount, those born between 1946 and 1991, will receive compensation double the size.
Even if payment has already been made, the investor has the right to request a recalculation.The initial contribution will be multiplied by two or three.Of this amount must be deducted already received the payment, and the balance will be issued to the applicant.All this applies if the deposit is, if it was closed, then the sum is multiplied by the reduction factors.The coefficient depends on when it was closed contribution than later is made, the higher its value.In the case of closing the deposit in 1991, the compensation paid on deposits is not subject.
Today, compensation is provided for deposits to their owners, as well as the heirs.In the first case you need to contact the branch of Sberbank, having your bankbook and passport.If a book is lost, it is necessary to write a statement in the bank.If the depositor has died, compensation on deposits put his heir.In this case, you should have a passbook, passport, a document confirming Russian citizenship of the depositor and the certificate of inheritance.
Besides Russia compensation deposit occurs in other countries, before the former republics of the USSR.Fastest responded Lithuania.About 80% of the proceeds from the privatization took it on the payment of money lost.Kazakhstan has solved this problem by issuing bonds.They will be fully repaid for pensioners in 5 or 10 years, and for the able-bodied citizens - 15 - 20 years.Armenia plans to fully compensate for the loss of depositors to 2015.First of all, payments are made to the needy and pensioners.Azerbaijan has pledged to solve the problem for 10 years.In Belarus and Moldova also discussed the possibility of compensation, but because of the lack of money is almost no benefits.
