In addition, other types of products are not insured:
Posted: Tue Feb 18, 2025 10:29 am
working accounts of lawyers and notaries;
investment accounts - individual and brokerage;
impersonal metal accounts.
What happens to a loan when a bank is liquidated
If a credit institution is declared bankrupt, the issued loans are transferred to the legal successor. At the first stage, this may be the DIA or a temporary administration, and later the right will be transferred to another bank.
Usually, the terms of the loan and the details of the credit account do not change for the borrower. Therefore, it is necessary to continue making payments in the established order.
Difficulties may arise in the situation if you use a credit card of a bank gansu mobile number database whose license is revoked. Its limit is not insured, and the card becomes invalid and can no longer be used. However, the debt still needs to be repaid - this can be done using the details of the account to which the credit card is linked.
What amount can you get under insurance?
The general rule is that depositors' personal assets are insured up to 1.4 million rubles. If you keep less, you will receive the entire amount. If more, there is a chance to receive compensation in a larger amount, but only 1.4 million rubles are insured.
In this case, not only the invested funds are taken into account, but also the accumulative part. If the amount in the accounts together with interest is up to 1.4 million rubles, the depositor will be able to receive the full payment. Here is how compensation works in different cases:
If you have kept more than 1.4 million rubles, you will be able to immediately receive a payment of 1.4 million rubles. In the event of a bank liquidation, there is a chance to fully or partially compensate the remainder. In this case, payments will be received in parts.
If you had a foreign currency account, compensation will be transferred in rubles at the current exchange rate.
If several credit institutions in which you have assets are liquidated, you have the right to compensation of up to 1.4 million rubles from each bank.
If spouses or other family members use the same bank, which stops fulfilling its obligations, each can receive separate compensation in the amount of up to 1.4 million rubles.
There are exceptions in which the insurance amount can reach 10 million rubles. These include:
money received from the sale of housing or a plot of land with buildings on it;
inheritance;
social payments;
funds received by court order, including for compensation for damages;
grants and subsidies.
investment accounts - individual and brokerage;
impersonal metal accounts.
What happens to a loan when a bank is liquidated
If a credit institution is declared bankrupt, the issued loans are transferred to the legal successor. At the first stage, this may be the DIA or a temporary administration, and later the right will be transferred to another bank.
Usually, the terms of the loan and the details of the credit account do not change for the borrower. Therefore, it is necessary to continue making payments in the established order.
Difficulties may arise in the situation if you use a credit card of a bank gansu mobile number database whose license is revoked. Its limit is not insured, and the card becomes invalid and can no longer be used. However, the debt still needs to be repaid - this can be done using the details of the account to which the credit card is linked.
What amount can you get under insurance?
The general rule is that depositors' personal assets are insured up to 1.4 million rubles. If you keep less, you will receive the entire amount. If more, there is a chance to receive compensation in a larger amount, but only 1.4 million rubles are insured.
In this case, not only the invested funds are taken into account, but also the accumulative part. If the amount in the accounts together with interest is up to 1.4 million rubles, the depositor will be able to receive the full payment. Here is how compensation works in different cases:
If you have kept more than 1.4 million rubles, you will be able to immediately receive a payment of 1.4 million rubles. In the event of a bank liquidation, there is a chance to fully or partially compensate the remainder. In this case, payments will be received in parts.
If you had a foreign currency account, compensation will be transferred in rubles at the current exchange rate.
If several credit institutions in which you have assets are liquidated, you have the right to compensation of up to 1.4 million rubles from each bank.
If spouses or other family members use the same bank, which stops fulfilling its obligations, each can receive separate compensation in the amount of up to 1.4 million rubles.
There are exceptions in which the insurance amount can reach 10 million rubles. These include:
money received from the sale of housing or a plot of land with buildings on it;
inheritance;
social payments;
funds received by court order, including for compensation for damages;
grants and subsidies.