In order for you to receive up to 10 million rubles for such assets, two conditions are necessary:
the money was transferred by bank transfer;
no more than three months have passed from the moment the money was received into the account until the occurrence of the insured event.
If at least one of these conditions is not met, the account owner can only claim a standard payment with a limit of up to 1.4 million rubles.
The CDS is a guarantee that you need to know about in order to properly store your assets. It is believed that the most competent investment approach is not to put all your savings in one place, but to use different instruments.
If you prefer bank deposits and want to invest more than 1.4 million rubles, choose several credit institutions. Study the terms and conditions carefully and calculate the amount of income at the end of the term. The total amount together with the invested funds should not exceed the limit of 1.4 million rubles in each bank. In this case, you can gansu mobile number database guarantee that you will not lose your savings and accrued interest even if the credit institution cannot fulfill its obligations.
Brief summary
Let's briefly list the main things that every investor needs to know:
Deposit insurance is a mechanism that guarantees compensation to a depositor in the event that a credit institution faces a crisis and is forced to suspend payments to creditors.
Insurance is beneficial to all market participants. Depositors receive a guarantee of safety, banks receive an influx of clients, and the state receives stable economic development.
The insurance applies not only to ruble deposits, but also to other savings that the depositor keeps in the bank, including on cards and accounts.
The maximum payout is 1.4 million rubles. If the client kept a larger amount, he can count on compensation in excess of the limit when the bank's assets are liquidated. But there is no real guarantee that it will be possible to receive more than 1.4 million rubles.
There are situations when the limit reaches 10 million rubles: when selling housing, receiving an inheritance, a grant, compensation for damage and in some other cases. It is important that the money is received into the account by bank transfer, and no more than 3 months have passed from the moment of payment until the occurrence of the insured event.
The best way to additionally protect your capital is to keep no more than 1.4 million rubles in one bank.