The Ministry of Finance has prepared amendments to the law on insurance of bank deposits (dated December 23, 2003, No. 177-FZ), which raise the limit of insurance compensation for certain types of deposits from 1.4 to 2 million rubles.
The draft law has been published on a single portal for posting draft laws.
The ministry recalled that amendments have already been adopted this year, which increased the maximum insurance indemnity to 2.8 million rubles for ruble deposits certified by irrevocable savings certificates for a period of more than 3 years.
Now the ministry proposes to raise the limit of insurance payments to 2 million rubles for ruble deposits of individuals with a term of more than three years and ruble deposits certified by irrevocable savings certificates for a period of one to three years.
The new rules stipulate that upon the occurrence of an insured event, payments for these types of deposits will be made collectively and separated from compensation for other types of deposits and accounts. At the same time, the increased refund does not apply to deposits if, upon early repayment (earlier than 3 years) you can get interest rates higher than the on-demand rate.
In addition, the amendments increase insurance coverage from 10 to 30 million rubles for escrow accounts open for real estate purchase and sale transactions, settlements under a shared-equity construction agreement, as well as under a construction contract.
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