The Bank of Russia has determined the maximum deposit for low-income citizens.

This was announced on Monday, December 20, by the deputy chairman of the Central Bank Vladimir Chistyukhin.

“We are considering the option of a special bank deposit, ... involving guaranteed interest accrual in relation to the key rate or inflation in an amount not exceeding 100 thousand rubles,” Chistyukhin said during parliamentary hearings of the State Duma committee on the financial market.

The plans of the Central Bank to create a separate type of deposit for Russians with low incomes became known at the end of November.

Then the deputy chairman of the regulator Olga Polyakova noted that a citizen can open only one such deposit.

“To determine the category of citizens with low incomes, it will be possible to use the unified state information system of social security, the creation of which was proposed by the government.

We are ready to take an active part in the development of this mechanism, in the discussion of amendments to the legislation, "Polyakova emphasized.

As Svetlana Bessarab, a member of the State Duma Committee on Labor, Social Policy and Veterans Affairs, suggested in an interview with RT, a special contribution will be available for citizens with incomes at or below the subsistence level.

Note that in 2021 the corresponding amount is 11,653 rubles, and in 2022 it should grow to 12,654 rubles.

“It is logical that citizens with such a level of income do not have extra money, and it is important for them to keep any, even small, savings.

Therefore, a special contribution will be in demand, ”says Svetlana Bessarab.

According to her, the initiative is designed to protect the savings of Russians from inflation.

According to the latest estimates from Rosstat, over the past year, consumer prices for goods and services in the country have grown by an average of 8.1%.

At the same time, the level of the key rate of the Central Bank is now 8.5% per annum, however, the maximum interest on deposits in the ten largest banks remains significantly lower - around 7.38% per annum.

“A deposit with increased interest rates tied to inflation or the Central Bank rate will allow citizens to invest their albeit small savings in a reliable investment instrument and at the same time earn.

It is no secret that now there are many ways to invest with high returns, but most of them require specific knowledge.

Thus, the special investment will partly protect Russians from investments in dubious investment instruments and financial pyramids, ”Bessarab emphasized.

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According to Vladimir Chistyukhin, the Central Bank also proposes to charge low-income citizens with interest on the balance on the MIR card just below the key rate.

Cash withdrawals, transfers and payments up to 15 thousand rubles within the framework of this product are planned to be made free of charge.

At the same time, the regulator wants to add protection for the amount of the balance from the write-off without confirmation.

In addition, the Bank of Russia is in favor of introducing permanent credit holidays for citizens who find themselves in difficult life situations.

According to Chistyukhin, the Central Bank is going to initiate appropriate changes in legislation.

Recall that the provision of credit holidays was one of the key measures of state support for Russians against the backdrop of a pandemic in 2020.

After the end of the program, more than 70% of borrowers were able to return to the payment schedule.

Finam analyst Igor Dodonov spoke about this in an interview with RT.

“The introduction of credit holidays on a permanent basis looks reasonable.

At the same time, this measure should be well developed.

In particular, it is necessary to clearly state in the law the conditions under which the borrower can exercise this right.

In addition, banks will probably have to get some kind of regulatory concessions, ”Dodonov said.

According to Svetlana Bessarab, the initiatives proposed by the Central Bank fit into the social task of the authorities to support low-income citizens.

First of all, we are talking about the financial protection of families with children, the deputy stressed.

“In Russia, there are already norms that protect borrowers - these are restrictions on the number of loans and a ban on pledging a single home on loan obligations of microfinance organizations (MFOs).

Taking all this into account, we can say with confidence that the Central Bank has fully defended both depositors and borrowers, "Bessarab concluded.