Rent of a Sberbank safe deposit box. How much does a safe deposit box cost?

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Published: 08/11/2016

Reading time: 7 min

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Any real estate transaction poses a certain risk for both interested parties - the seller and the buyer of an apartment or house.

The purchaser of housing becomes its owner not from the moment of signing the purchase and sale agreement and its notarization, but from the moment of state registration of this transaction. The registration process takes on average two to four weeks.

The seller may have certain doubts about the buyer’s solvency, but he will not be able to verify the financial position of the second party involved in the transaction until he becomes the full owner. There are also frequent cases of fraud when the buyer completely disappears from the city without paying the seller.

To avoid such unpleasant moments, you need to use the services of a bank and transfer funds through the cell. This is one of the most reliable ways to pay for an apartment. The money invested in the cell (and often millions of rubles) serves as a guarantee that the parties will fulfill all obligations.

What is a cell?
Advantages and disadvantages
Which Russian banks offer services?
What should you pay attention to?

Cell or deposit?

Keeping money in a safe deposit box makes sense only if you need to hide it from your spouse, from creditors, from robbers, says lawyer Konstantin Kudryashov .

Article on the topic

Money was stolen from a safe deposit box. Will they be returned? “Keep money in a safe deposit box, for example, in the following situation: do not give half of the funds to your spouse during the divorce process. Or a debtor who has money, but does not want to return it to creditors. And also to a person who does not pay taxes and wants to hide his income. In other cases, which are the absolute majority, it is still more profitable to keep money in a bank account,” the expert believes.

On the other hand, when banks introduce fees for storing foreign currency in accounts, using a safe deposit box may be more profitable: it all depends on the conditions of a particular financial institution.

Alternative services of Sberbank

GPC agreement with a Ukrainian tax consequences

Statute of limitations on loans to heirs

Who is a Federal Inspector?

Contract agreement taxes individual

Documents required to apply for alimony after divorce

Despite the fact that using a safe deposit box is the most popular method of conducting settlement transactions in real estate transactions, Sberbank also offers other forms of transferring funds.

Secure payment service

This is an opportunity for quick and secure settlement between buyer and seller without the need to visit a bank. The procedure is as follows:

transfer of the required amount of financial resources to a special account of the Real Estate Center from Sberbank;
Sberbank receives information from Rosreestr about the completion of the registration procedure;
after receiving information about the registration of the transfer of ownership, payment is credited to the account of the seller of the apartment.

The advantages of this method:

efficiency – the whole procedure takes up to 15 minutes;
no need to withdraw cash, check it or recalculate it;
receiving information about transaction registration remotely.

The cost of this service is 2000 rubles; additional commissions are not provided for all financial transactions within the bank.

Electronic transaction registration

This is a new service from Sberbank that allows you to register transactions remotely, without the need to visit a financial institution. It is especially convenient for those who live in one locality and plan to buy property in another city or region.

After receiving all the documents about the transaction, the bank manager independently sends them to Rosreestr, and after registration receives the DCP, certified by an electronic signature, back. The peculiarity of the procedure is that the parties do not receive any papers; everything is stored in the databases of the bank and the registration authority. But if you wish, you can request the necessary document from Rosreestr.

This service is relevant not only for real estate transactions, but also for obtaining a mortgage. The cost depends on the region of circulation.

Note! Electronic registration is not allowed for military mortgages, and the service is not available to legal entities.

Read more about what electronic registration of a mortgage is in Sberbank.

Thus, despite the fact that buying your own apartment through a safe deposit box is the most popular way to attract a financial institution, Sberbank also offers other payment methods that have their own advantages.

Next, you will be interested to know how the mortgage registration and ownership of the apartment take place.

We are waiting for your questions.

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How secure are the cells?

In crime reports, news with the headlines “In Moscow, more than 45 million rubles from a safe deposit box was stolen from a businessman in Moscow” or “In Mariupol, 150 thousand dollars, 30 thousand euros and half a kilo of gold were stolen from the safe deposit box of an ex-prosecutor” appeared every now and then.

According to the vice-president of the Golden Coin House, Alexey Vyazovsky , large banks care about their image and closely monitor the safety of the cells: storing money/jewelry/documents in such financial organizations is generally safe.

However, no bank is immune from dishonest employees: leaks of clients’ personal data alone are worth it. All of them are the work of employees of a financial organization. It’s the same story with cells: if an employee wants to profit from other people’s money, he will find accomplices and carry out his plan.

I opened a deposit and was left without funds. How our money disappears from banks Read more

Banks offer clients two similar agreements: renting a safe deposit box and storing valuables in an individual bank safe (safe custody agreement).

As Sergey Farberov, head of the client service department of the bank "Razvitie-Stolitsa" , if we are talking about a lease agreement for an individual bank safe with an inventory of the pledged property, the financial institution is responsible for the property stored in the safe deposit box. This storage option is the most reliable, but is extremely rare.

Question answer

Will they be forced to pay for storing dollars in a bank? “The most common option is just renting an individual bank safe without an inventory of property. In this case, the bank is not responsible for the safety of the valuables in the safe deposit box, since a representative of the financial institution is not present when the valuables are placed in the safe deposit box and, accordingly, does not know what exactly is stored in it,” explains Farberov.

However, according to him, this storage option is also reliable. Under the lease agreement for an individual bank safe, the bank is obliged to control access to the depository and properly protect it. “An additional advantage of this storage option is a high level of confidentiality, since bank employees do not have the right to control what exactly the client places in the safe deposit box,” adds the expert.

Alexey Vyazovsky advises putting valuables in a safe deposit box in front of a witness: if something happens, the presence of witness testimony will speed up the return of the stolen property.

And the head of the detective agency “Volkov and Partners” Andrei Volkov told AiF.ru the following story: “Several years ago, my friend deposited more than 50 thousand dollars in a bank in St. Petersburg. The bank was attacked by robbers and the safety deposit boxes were opened. The bank refused to pay money to people who kept it in safe deposit boxes, explaining that the employees did not have information about the contents of the safe deposit boxes. As a result, people are forced to wait until the search for criminals ends and their money is confiscated. <…> My friend saved this money to buy a car and a few days before the bank robbery he came to the vault and counted the contents in the presence of witnesses, whom he brought to court. As a result, the case was won and he returned the entire amount.”

The expert also recommends filming the process of putting money into a cell so that you can see the banknote numbers and their quantity in the recording.

Cell as a guarantee of reliability of real estate transactions

Buying or selling an apartment can be a serious challenge for the inexperienced. A person is afraid - what if I am deceived? And his fears are understandable - after all, a lot of money is at stake.

And if everything is more or less clear with the paperwork, then the process of transferring money is scary. Often, neither party to the transaction has any idea how, where and when this should happen.

Only a small part of transactions are carried out by bank transfer, but mostly payments are made in cash at the time of signing the purchase and sale agreement. And only after that the property will be re-registered to the new owner.

But it is during this period that the Buyer finds himself unprotected - he has already transferred the money to the Seller, but has not yet become the owner of the apartment. In doing so, he may encounter the following difficulties.

Refusal of registration due to incorrectly completed or missing documents. It is logical that in such a situation the Seller should return the money, but he could have already partially spent it or simply refused to return it.
Seizure on real estate. Suppose the Seller owes a large amount of money to an individual or legal entity, it doesn’t matter. The creditor seizes the apartment in court. If this happens before the new owner is registered, then the Buyer is left with nothing until the situation is resolved. Again, the Seller could have already paid off the debts to other creditors. As a result, the apartment remains under arrest, but only the Buyer suffers from this.

How can the Buyer protect himself? This is where renting a safe deposit box comes in handy, as it guarantees a safe transaction for both the Seller and the Buyer.

Photo: https://pixabay.com/illustrations/house-mortgage-home-sold-real-4101306/

Unfortunately, due to financial illiteracy, citizens rarely resort to this method of calculation.

You learned above how to rent an individual safe. Let's take a closer look at how settlements are made between parties to a transaction when buying and selling real estate.

The lease agreement for real estate transactions provides for the completion of an additional agreement between three parties - the Bank, the Buyer and the Seller. It contains the passport data of both parties to the transaction and information about the apartment being sold - address, area, cost. The bank checks the documents provided and certifies their authenticity with its seal.

The tenant of the depository safe is the Buyer, since it is his money that will be stored in the safe deposit box. Accordingly, payment for the bank’s services for servicing the cell is made by him, unless there have been other agreements with the Buyer.

In the presence of a Bank representative (usually a cashier), banknotes are counted and checked for authenticity, which are then packed in transparent packaging and sealed. A piece of paper is placed inside with the specified amount and the cashier’s signature.

This recalculation and verification service is paid and amounts to an average of 0.1% of the total amount. Payment is made by the Seller, since the procedure was carried out in his interests, or all additional costs are divided in half by the parties to the transaction by mutual agreement. You can check the money yourself; for this, the Bank will provide a counting machine and a detector. In this case, you do not need to pay anything.

The money is placed in the depository in front of the Buyer and Seller.
The first key to the safe remains with the Bank, the second is given to the Buyer - he is the owner until the ownership of the property is re-registered. If he fails and an official reasoned refusal is received, the Buyer, upon presentation of the necessary documents, will be able to withdraw his money.
Each of the participants in the transaction remains in possession of documents - a contract and an agreement, which contain complete information about the transaction and the conditions for the Seller to receive money.
After the Buyer receives ownership of the apartment, he is obliged to hand over the key to the unit to the Seller.
The Seller will be able to receive his money only after presenting to the Bank a document that the property he sold is registered in Rosreestr and has passed into the possession of the Buyer.

Can a bank open a safe deposit box?

Yes, the bank has the right to open the cell on its own if the contract has expired and after a certain time specified in the contract, the client has not contacted the financial institution, explains lawyer Lyudmila Olneva .

Question answer

Why can't you throw away checks and receipts from the bank? “At the same time, the seized valuables continue to be stored in the bank’s safe, and the client can get them back after paying the debt for the bank’s services. The cell will also be opened if it is a source of toxic or unpleasant odors, noise or radiation. In the event of the death of the owner of the cell, it will be opened to describe the contents and open an inheritance case. Law enforcement agencies can only gain access to the contents of the safe by court order. In addition, the safe may be seized if it is the subject of a dispute,” says the expert.

Settlements through a safe deposit box in Sberbank

The most popular bank for providing this type of service is Sberbank. Achieving this result was made possible thanks to the largest network of more than 16,000 branches throughout the country. In many regions, branches of this bank are the only banking institution.

To make payments using a safe deposit box at Sberbank, the parties must submit a standard list of documents and select a deadline to sign the agreement. After this, the client, who is the buyer, will be able to place funds in the cell, and the seller will be able to verify the latter’s solvency.

After the transaction has been completed, the agreement provides for the possibility of gaining access to the bank’s safe and the funds located there only after presenting the appropriate document. What kind of document this is is described in the additional agreement to the lease agreement.

Let's celebrate! The point of this procedure is for the seller to provide documentary evidence of the sale, i.e.
transfer of rights from him to the buyer. This is the DCT with a Rosreestr stamp confirming that the transaction has been registered.

Rent price for a safe deposit box

Any individual can use the lease. The main condition is the presence of a passport to conclude an agreement. Goals can be different, which means the deadlines should be as diverse as possible.

What does the cost depend on:

from the region of Sberbank branch,
within one region there are several zones - the center, the region (it’s cheaper there),
depending on the size of the container,
from the deadline
premium clients receive 20-30% discounts (Premier/First service packages).
There is a separate tariff item for real estate transactions.

The most common situations include short-term rental options - safekeeping for vacations, business trips, real estate transactions.

Tariffs for individuals per month

The period is calculated in days and for a period of up to 1 month (more precisely, up to 30 calendar days) the rent is the highest.

We cannot list all tariffs, since they are different for each region and there is a division into zones in each region.

Guideline: from 38₽ to 166₽ per day.

How can you accurately find out the price of renting a safe deposit box at Sberbank for your purposes:

go to the official website;
in the upper right corner, select your region (it may be incorrectly determined automatically);
Deposits – Rent of individual safes;
On the right you see the “Good to know” block, the first link in it is tariffs.
Look carefully at which gradation you fall into.

It may be easier to call the toll-free number 900 or ask in the chat on the bank’s website.

Price in Moscow and St. Petersburg

Based on rental rates for individuals, there is no single cost per service.

The current rental prices at Sberbank are listed at the link:

Download

Rental price for an individual cell in Moscow.pdf

Rental price for an individual cell in St. Petersburg.pdf

We described how to find out all the prices yourself online in the previous paragraph.

If you look at average prices, renting a cell in Moscow will cost a little more. With minimum cell sizes, the price differs more significantly: 38₽ in St. Petersburg and 75₽ in Moscow.

The minimum price for the entire period of use for both cities is the same: 800₽.

In the Leningrad region the minimum is 600₽.

For long periods, the rent varies as follows:

in Moscow from 34₽ to 75₽ per day;
in St. Petersburg from 19₽ to 68₽ per day.