It is not difficult to calculate the exact amount of compensation for the old Sberbank deposit. The amount of the payment depends on the depositor's year of birth and the date of closing the deposit. You also need to know the size of the reduction factor, which is set by Sberbank. It depends on the year the Soviet deposit was closed.
To calculate the amount of compensation, you need to know the exact amount of the deposit as of June 20, 1991. If you were born in 1945 or earlier, the contribution will be compensated threefold, that is, the amount of the contribution must be multiplied by three in this case. If you were born from 1946 to 1991, Sberbank will return the money twice. The result obtained must be multiplied by the reduction factor.
Sberbank deposit ratios
The reduction factor is needed to calculate how much money will be paid to you. It depends on the year of closing the deposit. The later the deposit was closed, the greater the amount of compensation will be. So, if you closed the deposit in 1992, the reduction factor will be equal to 0, 6; in 1993 - 0, 7; in 1994 - 0.8; in 1995 - 0, 9; in 1996 - 1. If your old deposit is still open in Sberbank, the reduction factor will also be equal to one.
Example: you were born in 1944 and you had a deposit in the amount of 1000 rubles, which you closed in 1996. In this case, you are entitled to three-fold compensation: 1000x3 = 3000 rubles. Next, you should multiply the result by the reduction factor, which in this case is equal to 1: 3000x1 = 3000 rubles.
You can expect to receive exactly this amount. Similar calculations must be applied to the heirs, who will receive compensation for the contributions of deceased relatives. Only the date of birth must be taken not by your own, but by the deceased person.
An important nuance
If you have already drawn up compensation for this deposit before January 1, 2010, calculate how much you could be paid today, and then subtract what you have already received. Sberbank is obliged to pay you the difference.
