There will be more compensation for Soviet deposits. Compensation on deposits of Sberbank of the former USSR. Features of receipt of compensation. What to pay special attention to
This year, the state compensates for the deposits of Sberbank, decorated during the existence of the USSR.
A prerequisite for refund is an open account period. Current term of deposits until June 20, 1991. Payments will be compensated for over the next two years. Such payment in Sberbank is also called "compensatory contribution".
In other words, this is not a separate proposal, which can be issued in the departments of the bank, and only receiving compensation for the USSR's closed deposit accounts.
Compensation of the Deposits of the USSR Returns deposits in Sberbank: who can claim
Categories of citizens may receive this compensation:
1. Customers born until 1991.
2. Heirs of those customers who were born until 1991.
3. Heirs or Piz. Persons who made the payment of ritual services in the event of death in the 2001-2017 depositor.
In this case, monetary compensation in 6 thousand rubles will be paid (only if there are 400 rubles and more in 1991), or the amount will multiply at 15, if it was less than 400 rubles.
It is worth noting that the amount of compensation depends on the age of the Sberbank client, as well as the term of the deposit.
The deposit compensation size depends on the storage period of deposits, and are determined using the following factors:
1 - on deposits currently operating, as well as on deposits operating in 1992 - 2012 and closed in 1996-2015;
0.9 - on deposits operating in 1992 - 1994 and closed in 1995;
0.8 - on deposits operating in 1992 - 1993 and closed in 1994;
0.7 - on deposits operating in 1992 and closed in 1993;
0.6 - by deposits closed in 1992;
0.0 - on deposits closed from June 20, 1991 to December 31, 1991
* Depositors to 1945 Birthday inclusive (including the heirs relating to the specified category of citizens) - in the three-time residual balance of the residual balance as of June 20, 1991 (based on the nominal value of monetary signs in 1991). The size of three-time compensation depends on the storage period of deposits and decreases to the amount of previously obtained prior compensation (compensation) and additional compensation for deposits (contributions).
* Depositors of 1946-1991 (including the heirs relating to the specified category of citizens) - in the twofold amount of residual balance as of June 20, 1991 (based on the nominal value of monetary signs in 1991). The size of double compensation depends on the storage period of deposits and decreases to the amount of previously obtained prior compensation (compensation) and additional compensation for deposits (contributions).
* In the event of the death of the owner of deposits in 2001-2015 - heirs or to individuals that made the payment of ritual services, compensation is paid to pay for ritual services in the amount and on the conditions that are determined by parts 5 - 7 of Article 117 of the Federal Law of December 19, 2006 N 238-FZ "On the Federal Budget for 2007".
Compensation of the USSR deposits Returns deposits in Sberbank: Required documents.
In order to get compensation, depositors or their heirs needed:
1. Establish an application
2. Provide it to any branch of Sberbank, while it is necessary to have a passport and a savings book.
It is also worth noting that after the Bank's employee will review and make copies of the necessary documents, he must return them to the owner in obligatory.
The following documents will be required for the heir:
1. Passport.
2. Document on the right of inheritance.
3. Certificate of death of the Bank's client.
4. Document confirming the citizenship of the deceased.
5. Savings book.
If the contributor himself is a citizen of the Russian Federation, regardless of the country of residence, it is compensation in any case, on equal rights with other depositors.
On the official website of Sberbank, information on compensation for deposits is presented. Detailed information on compensation and the provision of documents can be obtained by calling the Sberbank Consultation Center or learn from a personal visit, from bank employees.
You can also download a special form in electronic form to obtain payments on the official website of the bank.
This article discusses the procedure for compensation for the deposits of 1991 in 2020. The following will be answered to the questions of obtaining compensation for the so-called "Soviet" deposits.
Initial information
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The transition to a market economy and the reorganization of the banking system, which occurred after the collapse of the USSR, led to the fact that many depositors of the savings bank lost their savings.
Subsequently, the state took measures to compensate these losses at the expense of budget funds.
But in order to take this opportunity, you must meet certain requirements and perform some conditions.
Important concepts
Until 1991, our state had a different name and other socio-economic device. A banking system was significantly different and the period.
So, in particular, only one credit institution was operated, which operated in the conditions of total planning.
Therefore, there was no official inflation, the depositors in their own could get an increase in the amount of 3% per annum.
Then, with the collapse of the USSR and a change in the state system of the country, Sberbank changed its organizational and legal form, becoming a joint-stock company.
At this moment, all the contributions that were open and acted, transferred to public debt.
Thus, in front of his depositors, Sberbank, as an organization, actually refused obligations, and they all moved the state.
At the same time it was not clear what time the state will be able to pay these debts. The first attempt to fulfill obligations to this category of depositors was produced in 1991.The next payment was conducted in 1994. And after 2 years, the payment began to wear a regular character, and the payments themselves were produced in stages.
In more detail with the history of payments, you can find on the Sberbank website.
Who is laid
Payments can receive citizens who have contributing deposits in Sberbank acting at the time of Sberbank reform, i.e. July 20, 1991.
To qualify for this payment you need to correspond to one of the two age criteria:
- for citizens who were born until 1945, compensation is the amount of the contribution multiplied by 3;
- double contribution compensation is obtained by citizens who were born in the interval from 1945 to 1991.
In addition, if the deposit compensation is not paid, its heirs can get compensation.
There is a restriction on citizenship - foreign citizens can only receive it if they are the contributor, which himself has the right to claim it.
Citizens of the Russian Federation, even beyond the country, can compensate for lost savings without any restrictions, if they refer to the above categories.
Legal regulation
The main regulatory law acting in this case is the Federal Law of 10.05.1995.
His main task was to legislative regulation of the organization of the depositors' cash return process.
The volumes of amounts intended for these purposes are annually determined by the federal law, which approves the federal budget for the next year.
Another regulatory act is a decree of the Government of the Russian Federation of December 25, 2009, which establishes the ability to receive compensation for all depositors.
How to get compensation for deposits until 1991
The legislation clearly defines the procedure for obtaining compensation - the categories of persons are defined, there is a calculator to calculate the size of the compensation due to payment, the list of necessary documents and conditions are given.
The procedure is quite simple, the main thing is that if you apply for compensation, then you should refer to one of the categories of persons defined in the legislation.
Object size (in Sberbank)
The main size is adjusted depending on a number of circumstances, the deposit storage period, partial compensation obtained earlier is taken into account.
Partial and additional compensation conducted earlier is the most important condition that is taken into account when determining the amount of issuance.
With regard to the deposit storage period, such coefficients are operating:
- the maximum coefficient is equal to 1, applies to deposits operating to the present or closed in 1996 and later;
- further, the coefficient is reduced by 0.1 if the contribution was closed a year earlier, that is, for 1995, the coefficient is 0.9, for 1994 - 0.8 and so on until 1992, for which the coefficient is 0.6;
- if the contribution was closed between June 20 and December 31, 1991, compensation in a double or triple amount is not paid.
Rules of payment of funds
Payment is necessarily accompanied by the provision of certificate indicating the amount of payment.
Who can apply for savings
I can apply to people who born until 1991 and had a contribution at the time of the bank's reorganization and closed earlier than 1992 to obtaining the balance of funds enlarged in accordance with the rules of compensation.
The rules are also valid for deposits open on children if all the requirements of the legislation are fulfilled, then such deposits can also begin the compensation procedure.
Is it possible to get the heir
As noted above, the heir has the same rights as the depositor.
In addition to this, the heir has the right to receive compensation for the payment of ritual services, if the contributor died after 2000.
If there were less than 400 rubles on the account, the payment is calculated by the formula - the deposit residue is multiplied by 15. Otherwise, the amount of payment is fixed and amounts to 6,000 rubles.
If a person had several contributions in one or several compartments, the savings compensation will be made each separately, and the burial costs will be compensated only at one place.
To start the procedure, the heir should also write a statement for the established sample, and the following documents are applied to it:
- passport;
- death certificate;
- documents confirming his rights of the heir.
What to pay special attention to
If you have questions about the amount of due payment, you can use a special calculator, it is on the Sberbank website.
They can be used to calculate the payment due to the depositor. Heirs to calculate the amount will have to contact the department personally.
When using the calculator, it is necessary to have the following data:
- the size of the deposit remainder on June 20, 1991. This amount can be viewed in the book;
- the amount of payments that were obtained earlier. These amounts should be deducted from the current payment;
- if such payments fully compensated for lost savings, then no additional payments will be made;
- if the contribution is closed, then the closure of the contribution.
As defined on the instructions of the President of the Russian Federation, in 2020, all the savings that depositors lost must be compensated - this is the final duration of all payments.
For example, the 1935 depositor has a current contribution opened in 1981, on 06/20/1992 there were 3,500 rubles on the book.
In 2010, there was a partial refund of 2000 rubles. It is treated with three-time compensation, reduced in the amount of the previous payment - 3,500 rubles * 3 - 2000 \u003d 8500 rubles.
If the contributor does not agree with the amount of compensation paid, it may contact the Sberbank branch. You can also leave an appeal on the Sberbank website through the feedback form.
So, if you were the depository of the savings bank until 1991 and lost its savings during the reform, then you have the opportunity to compensate for your losses.
At the time of the financial crisis in the USSR, a sharp depreciation of the money happened, as a result of which depositors lost significant amounts of their own savings. The nominal purchasing power of major contributions was lost, and the cash remained "frozen" on personal accounts of banking clients. This article will talk about monetary compensations for such depositors, payments for which are carried out in 2018.
Read more about the compensation of 1991 deposits in 2018
The main purpose of compensation is the implementation of partial payments to citizens who have lost their own financial resources due to global inflation. This event is an important part of the state program carried out by the Government of the Russian Federation. Since 1996, a phased accrual of payments to citizens who have lost their own funds as a result of crisis inflation. First of all, compensation payments received social categories of citizens - disabled people, the older age group of the population, as well as the owners of the USSR certificates.
Payment data cannot fully reimburse all the losses that received deposit owners as a result of depreciation of funds and are charged on the basis of the financial opportunities of the state treasury in the current period.
It is worth noting that the complete completion of one-time compensation is planned by 2020 - until that time, the government undertakes to pay each remaining year of 5.5 billion rubles from the federal treasury.
What does the law say?
The federal legislation provides for the standard regulation of the issue with special provisions. This developed separate articles dated to a certain period. For example, to find out information on compensation on deposits, open until June 20, 1991, it is necessary to contact art. 15 FZ of the Russian Federation № 415 from 2016 Additionally, the methods and procedure for compensating the main contributions are noted in the Government Decree No. 1435.
Also in a special position FZ No. 415., directly in paragraph 5 of Art. 15 For citizens, information is presented that if compensation was previously obtained in a twofold and 3-fold deposit amount, any additional reviews are not subject to consideration.
Who can get payments?
Specially designed legislation contains provisions according to which only persons born until 1991 can apply for compensation on open earlier deposits. Compensation payments for savings can also receive individuals who made payment of the ritual services of the deceased owner of the deposit.
Can heirs get?
Payments can only be obtained by the heirs of the savings holder, which were born until 1991. They must have all officially executed documents - to implement payments, it is necessary to submit all confirmation forms to the bank.
Also one of the mandatory conditions for obtaining compensation is Russian citizenship.
What deposits are not refundable?
Some types of contributions do not provide for the payment of government compensation, among them:
- Deposits opened by persons who were born after 1991;
- Cash deposits, the opening period of which occurred after 06/20/1991;
- Deposits closed in the period 06/20/1991 - to 31.12.1991;
Also, cash will not be able to receive persons who previously received all compensation payments on deposits. Payments are not provided for the heirs of the contribution of the contribution that are not citizens of the Russian Federation.
What amount paid compensation for the 1991 deposits in 2018?
The size of the renewable compensation is determined taking into account the revaluation of all the "frozen" savings of the depositors. At the same time, certain factors will influence the amount of compensation, among which is the age of the contribution holder, as well as the main deadlines for the storage of finances on a personal deposit.
Payments for savings books of the USSR
To determine the size of the USSR savings payments, it is necessary to make an accurate revaluation of all frozen funds, equating the Soviet ruble to the Russian. In order to reimburse the population, part of the funds lost due to hyperinflation are carried out by a special procedure for indexing all contributions of 1991 - their multiple increase occurs.
At the same time, the magnitude of compensation will be directly dependent on age.
Compensation for burial
Compensation payments, which are due to depositors who have died after 2001 can receive their immediate heirs, as well as persons who have made official pay for ritual services. It is worth noting that compensation is provided for payments even for contributions that were closed in the period 06/20/1991 - 12/31/1991 But if the contributor received all compensation for life, the burial costs are no longer paid.
At the same time, the amount of payment will be fully dependent on the direct rate of the deposit account. With the balance of the amount of 400 rubles. And more, the depositor is compensated for 6000 rubles. If the balance is less than 400 rubles, 15 multiple increase in the amount is produced. At the same time, if the contribution holder had several savings books, the payment is carried out only by one account - for compensation, the largest option is chosen.
Target contributions
This compensation is provided for standard deposits that have opened on the child by parents until they reach 18 years. At the same time, the amount of compensation compensation will be directly dependent on the age of the recipient of funds. If the date of birth is 1945-1991, the cash payment will be indexed in a twofold amount, for an older age group, a three-year payment is provided.
At the same time, the right to obtain compensation claims are claimed by direct contribution holders, as well as direct heirs and citizens who paid the ritual services for the burial of the cash holder.
Formulas for calculation
There are two standard formulas for which compensatory payments are calculated:
Basic formula To determine the three-time dimensional payment value for depositors to 1948 of birth (inclusive).
(O? X kk x 3) - rk
Decoding of formula components:
- O? - Full residue in the open contribution to a specific date - 06/20/1991;
- Kk - standard numeric compensation coefficient;
- Rk is the total summary sum of all previously paid compensation charges.
Formula for determining the twofold amount of compensation deductions (from 1946-1991. P.)
(O? X kk x 3) - rk
- O? - the total amount of the deposit on the date 06/20/1991;
- Kk - the main coefficient of compensation provided,
- Rk is the total total value of all previously produced compensation deductions.
Deposity Storage Duration Coefficient
The main amount of compensation is calculated by using the coefficient. At the same time, the calculation occurs on the basis of the duration of cash on the personal savings account.
For basic calculations, a downward coefficient is applied equal to one. It is used only for unlocked existing accounts. In this case, the value of the coefficient is set as follows:
Lowering the coefficient depending on the deposit conditions
How to get compensation on the deposits of 1991 in 2018?
To obtain a compensatory payment for frozen savings, the following points must be taken into account:
- The banking institution does not make any search activities on accounts;
- All indexed accumulations can be obtained only with the help of a preliminary statement;
- To make compensation, it is necessary to contact that the banking institution where the savings book was opened.
At the same time, if the bank's division in which the depositor plans to receive compensation, is far enough from its place of residence, you can write a statement in a special form with a request to translate savings at the place of residence. It is important to consider that the Bank of Russia may charge an additional fee for the implementation of this service.
If the savings book on which the payment is appointed, was lost, it is necessary to apply with the official statement at the Bank's Office, where it was opened by the owner. All official information about depositors and their accounts are in the bank.
At the same time, depositors who participated in the USSR State Insurance may contact Rosgosstrakh.
What will required to return deposits in Sberbank?
To begin, it is necessary to carefully check the official closure date of the main deposit account, which is planned to receive compensation. Next, it is necessary to place a statement, the form of which can be downloaded on an officially registered portal of the savings bank or get a specialist in the office.
If the investor has official insurance, it is necessary to additionally contact Rosgosstrakh. If any controversial issues occur, it is important to contact the federal line. All consultations are made free of charge. If the savings book is lost, it is necessary to notify the bank about this and write an explanatory application indicating the reason for the loss of the document.
Required documents
In any office of Sberbank or hotline, you can get information about the full list of all the necessary documents for obtaining official compensation. It should be noted that only the originals of all standard documents are accepted by the Bank's employees. At the same time, for the owners of compensation and their heirs, the list of documents will be different.
The documentation for the owner of the deposit includes:
- Official statement;
- Passport;
- Original savings book;
- Confirmed notarial power of attorney, if the compensation is trusted.
It is important to remember that compensation is provided for only for citizens who have citizenship of the Russian Federation - this the rule acts both for the deposit holders themselves and its heirs.
Documents provided by heirs
In addition to the statement and passport, the heir provides a document that officially confirms that at the time of death the investor was a citizen of the Russian Federation. This is a prerequisite for issuing compensation. Additionally, you must provide the savings book of the depositor, as well as the official documentation confirming the right to inheritance.
Statement
An official application form for relying compensation can always be obtained from Sberbank employees, as well as download from official Internet sources. The statement necessarily reflects all registered data of the recipient of funds, as well as a separate clause, the citizenship of the Russian Federation is indicated.
Be sure to record the closure of the deposit.
Procedure
For the recipient of compensation, the following algorithm of actions is provided:
- It is necessary to make sure that the right to receive compensation is allowed to verify the deposit closure date.
- Contact the bank branch to obtain a list of all necessary documentation.
- Collect a full package of documents.
- Carefully check the official records in the employment record and determine which department it is necessary to contact the compensation payment.
- Provide all the necessary documents to the bank and get money due (additionally it is possible to issue a deposit).
All government deposits payments will be made based on a special expenditure order - Cash recipient must carefully check the amount and put a personal signature.
Term of consideration
Detailed terms of consideration of applications for compensation payments should be recognized on the official website of deposit insurance agency. At the moment, employees are considered at least 1000 statements a day in order. At the same time, each depositor can learn official information on the status of verification and processing a personal application.
How is the payment of compensation?
The payment of all made compensation is carried out on the savings account of the owner of the contribution or its heir. Payment can also be made in cash. If you wish, you can open a deposit in the same bank for the entire amount of compensation or partially.
Changes in 2018
In 2018, compensation is continued in the amount of not more than 5.5 billion per year. The amount of payment of payments is determined by the end of 2020 - before this period, the government plans to fully pay compensation for all depositors and their heirs. Payment is carried out only with direct contact with the Bank and the presence of an official statement.
Compensation of Sberbank's deposits until 1991 is provided today. Who can apply for the receipt of funds where to file a statement, what documents are required for payments? About everything in detail in this material.
Cash compensation for Sberbank deposits: return procedure
In 1995, legislation was adopted, allowing citizens to receive compensation for deposits made before the collapse of the USSR in 1991. Sberbank of Russia was appointed an authorized financial structure for debt repayment. In the state budget for 2017, the relevant cost of expenses is scheduled. Consider applications from the population, the institution will be two years before 2019. Every year, funds of 5,500 thousand rubles are sent for these purposes. The latest changes in the payment law were made in 2009 on the basis of the order of the Government of Russia No. 1092.
For all questions, you can ask a question on the telephone service support service of the Sberbank of the Russian Federation or through the online statement form.
Who will receive the compensation of the Covenate Deposits: Base
Categories of citizens with the right to receive deposits with compensation are prescribed every year in a regulatory act on budget formation for the next year. In 2017, they include persons who have stolen deposits in Sberbank of the USSR:
- Born in 1945;
- having remnants on accounts;
- period of placement of funds until 06/20/1991.
The amount is provided in three times, the numerous value of cash units is taken into account. The value of the placement of funds on account less than the amount of the amounts and commissions provided for by the storage and provision of banking services is important. Citizens born from 1945 to 1991, having the right as heirs to deposits, receive compensation in two-time.
Depositors, who died from the beginning of 2001, and at the moment, compensation is provided in the form of payment of ritual services due to the contributions posted in the USSR savings bank. The maximum amount is 6,000 rubles.
Heirs can get any compensation on the contributions of the testors born until 1991. Payments are made minus previously provided funds, including to cover costs due to the organization of funerals. There is no refund of the money to the owners of accounts in Sberbank of the USSR, who closed the deposits from June 20 to the end of 1991, as well as compensation earlier.
According to the law of 19.12.2006, at the expense of funds transferred to the state bank before the collapse of the USSR, it is possible to reimburse the cost of ritual services in the amount of 6,000 rubles. If the balance of funds in account is at least 400 rubles. If the amount was left less, then the heirs or other persons organizing the funeral are made compensation in the amount of the balance on the deposit, increased 15 times in terms of Russian currency.
Can not Conditions for payments to depositors and their heirs without Russian citizenship, as well as persons - a subject matter of a foreign state or not having accessories to any country. If a citizen lives in a foreign state, but the Russian citizenship remains behind him, he can contact the Sberbank of Russia for receiving payments. The heirs are provided in the original testimony from the notary on obtaining property from the deceased person. Repeat payments are not provided. That is, if the depositors appealed to receive once and they were granted compensation, once again the Bank to provide funds were authorized.
How to get compensation for deposits of Sberbank of the USSR
It is not necessary to contact the department that has discovered an account, since their network has undergone significant changes in recent decades. In Russia, today there are 17 territorial divisions of the bank. The branch network includes about 19,000 offices. For the transfer of the amount, a small commission is charged, which is convenient for recipients.
For money, you need to apply to any office of Sberbank of Russia and provide a savings book in the original and if the contributor has already died - confirmation of the fact of death on which the mark of money issuance is affixed. If the contribution went to the will, you need to provide a notarized document.
When referring to the institution of a representative, it is necessary to provide a power of attorney, certified by the medical institution, where the deposit or organization is under the supervision of the deposit, the owner of the deposit works. If the savings book was previously lost, then you need to write a statement about its recovery. Information is stored in the Sberbank base of the Russian Federation and on accounts.
Compensation for the closed contribution is provided only upon presentation of a power of attorney signed in the presence of a notary. If the account was closed, the application is filled in a special form, finding which can be found on the Sberbank website of Russia or ask for a branch of the credit institution. After all the procedures are completed, the original documents are returned to the owner, heir or a trusted person.
Citizens of the former republics that are part of the former USSR are not provided.
If, when granting a complete set of documents, the refusal to Sberbank of Russia should be refused, it can be appealed in court by submitting a claim. The declaration of the state body that has entered into force is presented directly to the Bank for payments or in the contract of bailiffs for forced recovery. Operation for issuing funds is confirmed as well as in the usual receipt of money by the employee of Sberbank of Russia on the consumable cash order marked on the provision of compensation for the frozen contribution. If the investor or his heir is open, the current, pension, salary or other account in the Sberbank of Russia, then funds can be credited to him under a written application.
Consideration of the application lasts no more than 30 days. From all the documents provided, copies are removed, certified by the Bank's employees, the scripts are returned personally to the depository or a representative by proxy. After approval, the funds are credited to the account in a credit institution, as noted by the recipient. Subsequent actions by order of money are not controlled: they can be spent on payment of utilities, communications, to remove cash, translate to the card or another account, etc.
Customers "Sberbank online" is available an electronic form of filling in the application in the Personal Account. However, when contacting the bank to receive the payment, documents will need to be signed personally or on a certified power of attorney.
Payments for the old deposits of Sberbank are calculated according to the following rules:
- Born to 1945 depositors receive compensation in a 3-fold size. It takes into account its placement with the use of coefficients:
- open at the current moment - the indicator 1 applies;
- closed in the period from 1996 to 2017 - 1;
- terminated agreements in 1995 - 0.9, during 1994 - 0.8, in the period 1993 - 0.7 and 1992 - 0.6.
- The funds received earlier cannot seek their receipt again on the basis of claim 6 of the Government Decree No. 1092 dated December 25, 2009.
- For calculation, the formula is used: (O ν × k k × 3) - R kwhen O ν.means a deposit balance on June 20, 1991, K K. - applied coefficient, and R K. - received by the depositor or its heir to the funds of the deposit, 3 - three-time size.
You can get the exact cost of compensation by using the Sberbank Electronic Calculator on the page.
Calculations in practice
Example №1
Deposit is posted by the face of 1951. The contract with the bank is currently not terminated. The balance of funds in the account 4 800 rubles. In 2012, compensation was provided in 3-fold. In 2015, a citizen appealed to the Sberbank Department for paying. Based on claim 6 of the Decree of the Government of the Russian Federation No. 1092, he was denied the issuance of funds in connection with the re-appeal.
Example number 2.
First calculated the size of the compensation received for depositors. To do this, you can use the electronic calculator on the Sberbank of Russia.
So, with the balance on the account on the date of 20.06.1991 of the amount of 3,800 rubles. With the date of closure in 1992 at the year of the birth of the depositor of 1964, the payment was made earlier in 200 rubles. There are 2-fold compensation for the contribution, since the depositor was born in 1964, that is, from 1945 to 1991. The savingsbook was left at 3,800 rubles. The relying coefficient is 0.6, since the contract was discontinued in 1992. The final payment will be 4,380 rubles. Based on the following calculation:
((3800 rub. * 0,6) * 2) - 200 rubles. \u003d 4 380 rub.
Accordingly, 200 rubles. - Previously provided payment by deposit.
Example number 3.
The contribution was posted on the account of a 1931 citizen. The balance of funds amounted to 8,200 rubles. In 2015, the heirs addressed money. It is impossible to get money on this contract, since the account is closed until December 31, 1991.
Compensation payments of Sberbank in Soviet deposits are reflected in the expendable cash order. The payment document necessarily affects the recipient's signature. Fund consumption is also reflected in the savings book. Before signing, you need to check all information if the recipient has a question about the amount, it is better to transfer the procedure and request recalculation.
The Russian government has made a draft law from the Ministry of Finance about increasing payments for payments by 4 times. Also in the document states on plans to close payments on deposits in the Sberbank of the former USSR until 2012. The act approved by the Ministry of Justice and the Ministry of Internal Affairs, but the Ministry of Economic Development has not yet approved it, so it is subject to subsequent revision and approval.
Conclusion
As can be seen, the procedure for obtaining money to deposit in the Sberbank of the former USSR is quite simple. The main points are prescribed in a single regulatory act, the conditions for issuing and calculating are transparent. The amounts of payments are low, a two- and three-time coefficient does not compensate for the costs of that time, but the state returns funds in a simplified manner, especially since such an article spending is entered into the budget for each year. That is, the probability of failure due to the disadvantage of the means is zero. It is important that not only depositors can get money, but also their heirs in providing documents confirming the availability of funds on a frozen deposit and the right to make payment.
Most money recipients express dissatisfaction with applicable legislation and small payments. Reform in this area is assumed. On the one hand, the Ministry of Finance announces plans for the establishment of four-time compensation, on the other, it announces the cessation of payments until 2021. What will be the subsequent changes, it is quite difficult to predict. This is probably dependent on the distribution of state budget funds and the economic situation in the country.
Sberbank OJSC pays for its depositors of compensation for old contributions, open during the USSR. Old deposits in the people are called "burnt". Contrary to beliefs that these money cannot be returned, there is a way not only to make your contribution back, but also to make compensation. Let's find out who can qualify for a refund and how compensation for savings records is issued.
Who relies compensation for savings books
If the contributor closed the contribution between June 20 and December 31, 1991, compensation will not be framed, as if the owner of the savings record received his money in a timely manner.
Payment is entitled to receive the owner of any salaring open during the collapse of the USSR, simply compensation dimensions will not be the same - they depend on the category of the depositor:
- depositors whose year of birth is less than 1945, has the right to issue compensation in the amount of 3 sizes of money balance on June 20, 1991;
- depositors, born between 1945 and 1991, can issue a compensation amount equal to 2 sizes on a book as of June 20, 1991;
- heirs of depositors born earlier than 1991;
- heirs and third parties who have taken the cost of the burial of the depositor since 2001 and later.
Also worth paying attention to the year of the deposit closure - depending on the closing time, various downstream coefficients will act:
- 1, if the contribution was closed from 1996 to 2010;
- 0.9, if the closure occurred in 1995;
- 0.8, if the deposit closure was carried out in 1994;
- 0.7, if the contribution closed in 1993;
- 0.6, if the contributor closed the contribution in 1992.
How compensation for salaries is calculated: the calculation formula
To know in advance what amount compensation can be calculated, you can use the following calculation formula:
RKS \u003d St. KGR X KGZ,
where RKS is the size of compensation for the savingsbook;
Sv - deposit amount;
KGR - a coefficient that depends on the birth of the depositor;
KGZ is a coefficient that depends on the year of the deposit closure.
Examples of calculating calculation compensation
We will analyze several examples of calculating compensation for deposits, since the procedure for calculating amounts will depend on the year of birth of the depositor and the closing of the deposit.
Example 1.
The Depositor of Sberbank was born in 1956, he opened his contribution to Sberbank and did not cover it so far. The balance of funds is 5 thousand rubles.
Compensation size \u003d 5 000 rubles x 2 x 1.0 \u003d 10 000 rubles.
Example 2.
The year of birth of the depositor - 1968, he closed its contribution in 1995. The investor in the savings book remained 1.5 thousand rubles.
Compensation size \u003d 1 500 rubles x 2 x 0.9 \u003d 2,700 rubles.
Example 3.
The year of birth of the depositor - 1939. The balance of the deposit is 4,700 rubles. The contribution was not closed. Previously, preliminary compensation was issued in the amount of 170 rubles.
Compensation size \u003d 4,700 rubles x 3 x 1.0 - 170 rubles \u003d 13,930 rubles.
How compensation for savings books is issued
Regardless of where a bank deposit was once opened, you can contact any branch of Sberbank. A bank employee will need to make an identity and savings record.
It happens that the book was lost - in such a situation, you can also qualify for compensation if the contributor is absolutely confident that on June 20, 1991 had savings. You will need to write a statement and ask you to search for data. The database must contain information about the applicant, and then the Bank's Department Specialist will calculate the necessary compensation and will offer to pay it in cash or transfer back to the savings book.
What documents are needed to make compensation for savings
The list of documents for registration of compensation will depend on who accesses money. In the event that the depositor himself addressed the reimbursement of the loss, it will need a set of documents that includes the following papers:
| Document | Where to get |
| Application for payment of compensation for savings book | Blank and sample will be presented in the Sberbank office |
| Passport of the Russian Federation | MIUM MVD. |
| Cancer with a valid contribution, opening earlier on June 20, 1991 | OJSC Sberbank (in absence it can be requested to search for information on the database) |
| Certificate of marriage (if the contributor changed personal data after marriage) | Registry Office |
| Certificate of name for the name (if the contributor for your own request changed personal data) | Registry Office |
If the receptor's heir is referred to for compensation, you will need more documents:
| Document | Where to get |
| Application for compensation for deposit in Sberbank | The form and the sample will be issued in the bank branch |
| Passport of the Russian Federation | MIUM MVD. |
| Certificate of change of name or certificate of marriage (if the name has occurred) | Registry Office |
| Document indicating the rights of inheritance | Notary |
| Certificate of death of the Deputy Bank of Sberbank | Registry Office |
| Insert from the passport of the USSR, extract from the house book | As evidence that the investor was a Russian citizen at the time of death |
In the event that the Depositor of Sberbank Early March 1, 2002 turned to the Sberbank branch in order to leave a testamentary order in favor of the heir, he may not provide a document on the right to receive inheritance.
The most common questions regarding the provision of compensation for savings banks is responsible for its official website. Here you can find a form of an application for compensation.
Typical errors
Error: The Depositor of Sberbank, who opened the contribution to the savings book during the collapse of the USSR, demands to pay him compensation for three savings recorded in his name.
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