MOSCOW, October 1 – Novosti. From October 1, Russian banks will be required to add tables with the main parameters of the deposit to contracts, Natalia Vashchelyuk, chief analyst at Sovcombank , told the Prime agency.
The expert recalled that bank deposit agreements are quite a voluminous text, which does not highlight the key parameters of the product. The table established by the Bank of Russia will make it possible to more clearly present important information about the deposit. It should include the type, amount and currency of the deposit, information on the possibility of replenishing it, the term and date of return of the deposit, the interest rate, the procedure for paying interest on the deposit and extending the term of the deposit, the method of exchanging information between the depositor and the bank.
Vashchelyuk stressed that the variable interest rate and changes should also be clearly stated in the contract. In addition, banks must indicate the interest rate for early withdrawal of all or part of the funds, the size of the minimum balance of the deposit amount, the possibility of early return of part of the deposit.
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