The Central Bank proposed to limit 100 thousand rubles. the size of a special deposit for low-income citizens and introduce a number of preferences for this category of bank customers, in particular, on Mir cards. Deputy Chairman of the Central Bank Vladimir Chistyukhin told the State Duma about the innovation.
According to Rossiyskaya Gazeta, he explained that this is a “box product” for Russians with low incomes on a current account tied to a Mir card. It was proposed for a limited amount of compulsory accrual of interest slightly less than the key rate, commission-free cash withdrawal, transfers and payments up to 15 thousand rubles. per month. Also, the Central Bank advocates protecting a certain amount on the account from writing off, for example, for automatic debt repayment.
Recall that the idea to introduce a special deposit for low-income citizens was announced by the Bank of Russia in November. The interest rate on it is planned to be pegged either to the key rate of the Central Bank (now it is 8.5%), or to the inflation rate (at the end of the year it is expected to be about 8%). To determine which of the citizens can be considered poor, it will be possible to use the unified state social security system.
The Central Bank itself explained the meaning of the appearance of such deposits by the desire to support the purchasing power of families by analogy with foreign financial products of regulated-deposit accounts. Their peculiarity is that the rate on these deposits is higher than the market one, banks cannot change them without the consent of the regulator, and the interest on them has tax preferences.
Source: Rosbalt
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