If the deposit is not closed on time, the bank can extend the contract with the same conditions but with an interest rate that varies depending on the key rate. Otherwise, the money can be transferred to a current account at an annual rate of 0.01%. This information was reported to the agency by Alexey Rodin, founder of family finance agency InvestArt advisors. “Hit the primer”.
However, he added that funds can only be withdrawn the next day after the contract ends. The expert warns that if you try to withdraw money on the day the deposit ends, the bank may consider this as early closure, which may lead to loss of accrued interest.
In this regard, the Central Bank of Russia (CBRF) recommends that banks immediately inform depositors that the end of the deposit is approaching and offer conditions for its extension. If the depositor does not respond to the notifications and does not take action regarding the deposit within two years, his account may be closed by court. In this case, the funds are transferred to a special account at the Central Bank and can be withdrawn from there at any time.
The Central Bank also supported the Ministry of Finance’s proposal to increase the down payment rate in privileged housing loans from 20 percent to 30 percent. If authorities make such a decision, this would be the second tightening of conditions for Russians since September. Later, the government increased the down payment on mortgage loans from 15 percent to 20 percent. Will new restrictions be introduced, will mortgage loans become less affordable for Russians, and will citizens now be less likely to get a mortgage loan? “Newspapers.Ru”.
Previously Mishustin in the name Avoid excessive optimism.