How much does a safe deposit box in Sberbank cost for a real estate transaction?

When a real estate transaction is about to be carried out, renting a safe deposit box at Sberbank will help minimize the risks associated with this operation. This means that the client receives a temporary metal box with or without a container in a specially equipped room in a savings bank branch. The safe device will reliably protect funds when selling or buying an apartment.

What is a safe deposit box?

The bank provides the client with a separate safe for rent, which is used to store things, objects, and valuables. Visually it looks like a box with a lock.

The safes are equipped with modern security and fire-fighting equipment, which ensures their complete safety and inviolability.

To use the bank's services you do not have to be a citizen of the Russian Federation.

Citizens of the Russian Federation can rent IP if they have a passport. If a citizen does not have registration, a document must be presented confirming that he is registered in the Russian Federation. If the tenant is not a citizen of the Russian Federation, a migration card and a residence permit or other document confirming registration in Russia will be required.

Types

The credit company offers different types of safes (IS):

To use the safe, the client receives a key, which is kept with him.

Modern ICs are equipped with biometric equipment. To use it, the client must consent to the processing of biometric data.

IP services for automated storage of valuables are provided to only one person; it is impossible to provide access to several persons.

Dimensions

Tenants will be able to choose the optimal cell size according to their needs.

The proposed volumes of IP, expressed in cubic centimeters, range from 600 to 30,000 or more. Width from 31 to 62 cm, depth from 4 to 60 cm, height from 5 to 50 cm.

For example, in an IP measuring 3500 cubic meters. see about 30 packaged packs of banknotes (100 sheets each), i.e. 15 million rubles can be freely placed. in 5000 bills or 300 thousand dollars in 100 dollar bills.

Requirements for drawing up a lease agreement for a safe deposit box and additional agreements thereto

The lease agreement usually states:

• passport data of the person (people) who have the right of access to the depository on the part of the seller and on the part of the buyer;
• the exact address of the apartment being purchased;
• conditions and terms of the seller’s access to the depository to withdraw funds for the sold apartment;
• conditions and terms of the buyer’s access to the depository for withdrawal of funds in the event of refusal of state registration of the transaction.

You might be interested in looking at the “Ways to Buy a Home” mind map, which explains all the options in detail

Or HERE you will learn about the consequences of declaring a transaction invalid

What is the tax on the sale of an apartment:

How much does a safe deposit box cost in Sberbank?

The amount of rent depends on the size of the IP and the rental period. Tariffs vary from bank branch to bank. There is a division into 3 zones, depending on the location of the credit company’s office:

• 1 – Includes Moscow and Central Russian Bank (VSP in Moscow).
• 2 – Includes Volga-Vyatka, Baikal, Far Eastern, North-Western, Siberian, Volga, etc. banks.
• 3 – Includes Baikal, Ural, Central Black Earth, Far Eastern, etc. banks.

The tariff for each zone will be different.

For example, rental cost in Moscow rubles/day:

Regardless of the term, the minimum client will have to pay is 600–800 rubles.

The cheapest option is to rent a small IP for more than a year. Additionally, the tenant pays 2,400 rubles. for ensuring control of access to IP.

If the tenant has lost the key, he pays the bank 7,000 rubles. to restore the functionality of the IS.

A complete list of tariffs and the territorial division of the bank’s representative offices into zones can be found on the bank’s website at the link:

Regular clients of the bank who use premium service packages are provided with a discount on rent:

• 30% – to clients using the package;
• 20% – to clients using the package.

Payment is made on the day of signing the contract immediately for the entire term of the contract.

What is the price

The price of the service includes:

• storage size – spacious is more expensive;
• duration of use - the longer the period, the cheaper;
• territoriality – tariffs for services depend on the region;
• The cost of renting a cell at Sberbank ranges from 30 to 160 rubles per day, but not less than 800 rubles for the entire rental period.

An additional fee is paid for the bank's compliance with access control of persons to the safe.

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How to rent a safe deposit box?

If you need to rent, you should proceed as follows:

• Decide on an additional bank office where it is convenient to receive the service. To do this, you can use the information located on the bank’s official website on the Internet. To do this, you need to go to the “Frequent Customers” block, select “Additional .
• You must first check that your geolocation settings are correct.
• After opening the page, follow the appropriate link:
• On the page that opens, you can not only view the addresses of bank representative offices providing the service, but also find out the number of free ISs of the required size in them:
• Having chosen a bank, you need to come to the representative office with your passport. All interested parties must be present (for example, in real estate transactions, the seller and buyer are present; in case of group use, all persons who will have access are present).
• A notarized power of attorney is required in cases where the tenant is a legal entity, if it is necessary to execute a lease agreement through a proxy. It must reflect the address of the bank where the service is provided, the safe deposit box number and the powers of the authorized representative.
• Conclude an agreement, receive a key, a magnetic card (if necessary) and place the storage object in the IS.

Sample rental agreement

The agreement contains the following sections:

• Title part;
• Obligations of the parties;
• Confirmation of key issue;
• Duration of the contract;
• Amount of rent;
• Conditions of operation and early termination;
• Details of the parties.

All forms of possible contracts, depending on the type of safe chosen, can be viewed by following the link.

What is a depository?

An alternative to cash when buying or selling an apartment is to rent a bank safe deposit box.

This form of transfer of funds equally takes into account the interests of both the seller and the buyer.

Payments through a cell are not used so often due to the fact that the majority of our citizens do not know what a depository is.

This is a secure bank vault, which is regulated by separate legislation.

So what is a standard depository?

Banks have the right to provide such services only if they have a special license.

The depositories themselves are premises designed for a different number of cells - from several tens to one or two thousand.

Depositories are usually located on minus 1 or minus 2 floors, that is, underground.

The entrance to the depository has several degrees of protection: several levels of security, video surveillance.

Entry to the depository is strictly limited to the list of persons specified in the documents granting the right of access.

Cells vary in size because they are designed to store different amounts - from several hundred thousand rubles to many tens of millions.

The cost of a safe deposit box depends on its size and the duration of storage of funds.

A standard cell for a period of 1 month in different banks will cost from 2.5 to 5 thousand rubles.

It is usually paid by the buyer of the property.

Rules for using a safe deposit box

IP should be used in accordance with the established Rules, which are handed to the client during the transaction.

What can be stored in a cell?

Most often, money and documents are left in the IP for safekeeping. Additionally, clients can place jewelry, personal correspondence, securities, gold bullion, family heirlooms, art objects, etc. Items should fit freely into the box.

What is prohibited from storing?

It is prohibited to store drugs, flammable, explosive, toxic drugs hazardous to human health. You cannot leave in the IP other property that is limited for civil circulation under the legislation of the Russian Federation, for example, weapons. And also, no food or animals are left in the cells.

The responsibility to maintain the quality of the contents lies with the tenant.

Storage security

Storing valuables in IP is completely safe. The bank uses the latest technologies of security systems and fire alarms.

Safety regulations:

• Only interested parties know about the items in the IP;
• Access to the safe is permitted after checking the documents, in the presence of a bank employee who has a separate key, without which it is impossible to open the safe deposit box;
• The key to the IP is kept by the tenant.

Ways to protect yourself when preparing a purchase and sale agreement

When making a decision by the seller regarding the location of the key storage, it is necessary to proceed from the terms of the agreement with the bank: does it contain a clause that the seller can be allowed into the locker without a key if he provides the bank with an extract from the register with a note on the re-registration of ownership of the buyer.

The ideal option, which will remove all risks, would be to transfer the key to the bank for safekeeping, but today there are few banks providing this kind of service. In such a scheme, it is possible to provide a condition for placing a receipt for receiving money in a mirror cell. Typically the key is packaged in an opaque plastic bag with a protective flap. This package protects against unauthorized access without leaving a trace. The safe package is assigned its own unique number.

The issuance of the key is formalized by special acts. This act is signed by all parties. The bank issues the key to the client under the terms of the agreement.

A real estate agency can act as a third party for storing the key, both on the part of the seller and the buyer. The transfer of the key occurs within the framework of the warranty obligation.

Another way to reduce risks could be a guarantee to the seller that after re-registration of ownership, the buyer is obliged to hand over the key to the seller. But such a letter of guarantee can only be issued to reassure the seller: it is almost impossible to force the buyer to fulfill it.

Features of renting at Sberbank

IP ensures complete security of storing documents and valuables and allows you to complete a transaction for the purchase/sale of real estate and land.

IP lease has the following features:

• There is no deposit required to provide the key;
• Access to the client terminal can be provided by the tenant's own card, which has a magnetic stripe. When a bank issues a card, it can change the PIN code at its discretion.
• If necessary, a machine is provided to check and count money;
• The bank has a long operating day, during which the client can use the information system at any time, 30 minutes after the opening of the branch. Admission ends half an hour before the closing time.

The tenant must vacate the safe at the end of the contract. If 20 days have passed since closing and the client does not show up, the safe will be opened. In advance, the bank informs the tenant about the expiration of the contract and possible consequences by sending an SMS message or letter to the email address within 5 days after the end of the contract. If the client has not responded to the message, a special commission is formed, which opens the safe and draws up a report listing the contents. Investment items are packaged, sealed and placed in the bank's vault. When the tenant appears, he will need to pay a fine for restoring the IP and rent for an additional 20 days of using the cell beyond the period established by the contract. Once opened, rental payments cease.

If the tenant dies, his heirs receive access to the safe. You will need to submit a notarized document confirming the right of inheritance. To receive the contents of the cell, the notary must generate a request to open an IP.

What are the features of using a safe deposit box for real estate transactions?

The safe deposit box is designed to store cash for the entire period of registration of the transaction. This is a must.

When buying an apartment, it is important to do everything legally correctly so as not to become a victim of scammers. A Sberbank safe deposit box for settlements with real estate guarantees the selling party receipt of payment if the apartment registration procedure has been completed. Otherwise, the buyer takes the money.

When the act of acceptance and transfer of the cell is signed, one key to the safe is issued. Decide in advance which participant will have the key.

The buyer provides cash, which, after verification and recalculation, is placed in temporary storage. Counting machines that also detect counterfeit bills are provided by the bank.

It is important to remember that the buying party of the real estate will not take the money until the end of the transaction, but the persons specified in the contract have joint access in the event of force majeure or refusal of the operation.

If several buyers or sellers are indicated, then everyone will have to visit the storage facility together.

The seller collects the cash if he has the key and presents the purchase and sale agreement with the Rosreestr stamp and an extract from Rosreestr.

Please note that after the end of the safe deposit box rental agreement, if the seller has not taken the contents of the safe deposit box or the real estate transaction has not taken place, the buyer will again have access to the safe deposit box and money.

The safest way to store cash is in a safe at Sberbank

Individual cells guarantee the secrecy of the attachment (only the owner knows about the contents). In addition, there is no need to order money before withdrawing a large amount.

Sberbank will preserve the contents of the safe and protect access to it. When renting a storage unit for real estate transactions, third parties are not allowed into the storage unit.

In Sberbank branches, storage rooms are equipped with fire and security alarms. Work is constantly underway to modernize protective equipment. More often, these rooms are equipped in basements behind armored doors with high-strength walls. Safes of high reliability. The opening must take place in the presence of a bank employee.

Sample agreement with the bank

The link provides a sample agreement with a bank (using the example of Sberbank). But the specific conditions depend on the financial institution. Let's consider the basic requirements for a safe deposit box rental agreement:

1. Passport details of the participants in the process.
2. Address of the property being purchased.
3. Conditions and term of renting a safe.
4. Full name of those who have access to the cell.
5. Conditions and period of access if the deal falls through.

Bank employees are involved in the preparation of this document and will be able to point out certain nuances that are worth paying attention to. Terms of use of a safe deposit box

The main condition for using a safe deposit box is the term. The minimum time interval is a day. Maximum period – no restrictions. The end of the contract with the bank is the day when the funds are withdrawn. In case of delays, the initial period may be extended indefinitely. Remember that the longer it is, the lower the daily rental rate. The size of the safe also affects prices: the more spacious it is, the higher the cost.

Some banks require a security deposit in case the key to the safe is not returned for one reason or another. The deposit will be returned after funds are removed from the safe.

You should rent a safe deposit box from a reliable bank. Most citizens prefer Sberbank. Let's consider the algorithm of actions of the seller and buyer and tariff rates:

1. You need to visit a branch where it will be convenient for you to come later to get money, and conclude an agreement. There are three parties involved: the bank, the buyer and the seller of real estate.
2. Sberbank offers standard safes for transferring funds. Their width is up to 35 cm, and their depth is up to 100 cm. The height of the drawers can be different: up to 6 cm, up to 9 cm, up to 14 cm, up to 35 cm, etc. You can check the availability of free safes in your region on the official website of Sberbank.
3. The average rental period is 30 days, the maximum is 36 months.
4. The money is checked for authenticity and placed in a cell that is closed with two locks. The bank employee provides two keys after signing the agreement. The owner of the funds receives one key, and the second remains in the bank.
5. After the buyer receives a certificate of ownership of the new home, he hands over the key to the bank. If the deal falls through, he can come and take his money at any time.
6. The seller visits the bank and, in the presence of an employee of the financial institution, opens the safe and removes the money. The basis for access to the safe deposit box is an additional document that is specified in the safe rental agreement, for example, an extract from the Unified State Register.
7. It is possible to transfer the right to withdraw funds by proxy. It must be certified by a notary office.
8. There is no deposit for the keys to the locker.
9. Renting a small safe up to 10 cm will cost 75 rubles, up to 20 cm – 94 rubles, up to 50 cm and above – 151 rubles per day. If you pay for a period of more than a year, the cost starts from 34 rubles per day.
10. You need to immediately determine at least the approximate rental period, because the money for using the safe is paid at a time for the entire period.

It is advisable to spare no expense and order a check and recalculation of banknotes. Most often, these concerns fall on the seller, and payment for renting the cell falls on the buyer. The cost of checking banknotes is 0.1% of the amount being checked.

Basic Concepts

A safe deposit box is a safe that reliably protects citizens' cash and other valuables on the premises of a financial institution. The bank guarantees the safety of the contents. The storage area where the safes are located is reliably protected by special devices and additional security.

To gain access to a safe deposit box, a person must enter into an agreement with a bank or rent a safe. For this, the passports of the participants in the process are sufficient. After signing the agreement, the items or funds according to the inventory are accepted by bank employees, who then bear full responsibility for the safety of someone else’s property. In the future, the person who entered into the agreement, the persons indicated on the document, and bank employees with special passes will be able to gain access to the safe.

How does money transfer happen when buying an apartment?

There are several options for the possible transfer of cash when purchasing new real estate:

1. In cash, after the procedure of registration of all documents for ownership.
2. Cash. Until all documents are completed at Companies House.
3. Using a safe deposit box.

Of course, options No. 1 and No. 2 are used by irresponsible citizens, since they do not guarantee sufficient security. Just imagine for a moment that the apartment costs 3.5 million rubles. If 5,000 ruble bills are used to pay the seller, then the bundle will be quite substantial. It is clear that the parties to the transaction can come to an agreement to hold a meeting on the agreed territory, but who will guarantee that the buyer will get to the appointed place without any problems with an impressive amount? And who can know in advance what kind of person the seller is and whether he will tell dishonest people about when and where the buyer should give him the money? No one is sure of each other’s crystal honesty at the time of a real estate transaction. And the risk, believe me, is very high in our time. And it’s quite easy to lose the accumulated money that people sometimes spend their entire lives collecting.

If you have decided on this option for transferring money, and are not afraid of the risks associated with it, then you can only hope for the integrity of the other party and do not forget about the following precautions:

• You need to take one of your trusted friends or several relatives to the meeting.
• The place for the meeting must be chosen so that the threat at the time of transfer of the sum of money is minimal.
• Request in advance from the seller that he draw up a receipt stating that a certain amount of money has been received by him. The document can be drawn up in any form, but it must contain the full personal data of the parties to the transaction, their passport data, the transferred amount of money in words and the phrase that there are no claims.

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