Notary's request to provide an inventory of a bank cell. Bank cell inheritance. The process of entering into an inheritance and receiving a contribution

Inheritance of bank deposits is carried out on the basis of the general succession procedure, but has its own characteristics.

Often, this process raises many questions and involves a number of formalities and the collection of certain documents.

In addition, the legitimate right of the depositor to issue a testamentary disposition at the bank when concluding a deposit agreement can provoke the emergence of disputes during inheritance. Therefore, if you are faced with the need to receive a contribution from a deceased relative, it will not be superfluous to familiarize yourself with the order of inheritance cash deposits.

The order of inheritance of deposits

Like other property, deposits can be inherited in the manner prescribed by applicable laws and regulations:

1. Inheritance of deposits by law in order of priority. Russian legislation provides for 8 lines of heirs. The first is parents, spouses, children. Relatives up to the 6th degree of kinship, including dependents of the testator, can claim the inheritance.
2. By notarial will. The presence of such a will is not a guarantee that the heir will receive a contribution in the amount specified in it. If the deceased relative has minor children, dependents, or among the legal heirs there are persons who, due to their age or health, are unable to support themselves on their own, then the will will be partially executed. Such persons are entitled to 50% of the amount of the inheritance that they would have had if they inherited by law.
3. By testamentary order drawn up in the bank. This inheritance procedure is typical only for deposits and is regulated by Article 1128 of the Civil Code of the Russian Federation (hereinafter referred to as the Civil Code of the Russian Federation). Such an order is issued free of charge and does not require notarization. It applies to a specific account.

Peculiarities

The features of the inheritance of deposits in Sberbank and other Russian financial and credit organizations include the following:

• What matters is the date the testament was made. If it is signed before 03/01/02, then a certificate from a notary is not required for the withdrawal of the contribution by the heirs;
• if the relatives of the deceased are not aware of the presence of a deposit opened for him, banking institution is not obliged to look for new owners. On the basis of Article 1151 of the Civil Code of the Russian Federation, an unclaimed deposit may, within the time limits established by law, become the property of the state;
• if relatives do not have documentary evidence that a deposit was opened in the name of the deceased, for example, an agreement, but there is reliable information about its presence, the notary has the right to request this information from the bank;
• if the contribution is inherited by the spouse, then the date of its opening matters. If this is jointly acquired property, then the remaining spouse receives half, and the remaining funds are divided equally among the heirs;
• if minors have become heirs, then they will be able to use the funds upon reaching the age of majority. Guardians can use this money for their maintenance, but only with the official consent of the guardianship service;
• persons (heirs or strangers) can use the funds (no more than 40,000 rubles) before the expiration of 6 months from the date of death of the testator to organize the funeral of the deceased. This possibility is provided for by Article 1174 of the Civil Code of the Russian Federation. To withdraw money, a notary's decision is required;
• deposits, like other inherited property, are not taxed. But, entering into the inheritance, spouses, parents, children, sisters and brothers will have to pay a fee and notary services in the amount of 0.3% of the amount (no more than 100,000 rubles), and the rest of the heirs - 0.6% (no more than 1,000,000 rubles) ;
• heirs have the right to both withdraw funds from the deposit and leave them on the account.

The process of entering into an inheritance and receiving a contribution

In order to receive the share due to you by law, will or order, you need to go through certain stages of inheritance, that is, you need to accept the inheritance.

Opening an inheritance case

The succession process begins with the opening of an inheritance file. This must be done within 6 months from the date of death of the relative. To do this, you need to apply with the appropriate application to the notary. You will need the following documents:

• passport or identity documents;
• testator's death certificate;
• certificate of registration of the deceased (from the last place of residence);
• will, if any;
• bank documents, for example, an agreement on opening a deposit account - optional;
• confirmation of family ties, if the inheritance of a bank deposit occurs without a will.

After that, the design takes place, and at the end of 6 months - issuance of a certificate of inheritance by a notary, which will indicate the legal shares of the heirs in the property.

If at the time of opening the case, the heirs do not have a deposit agreement, but they know the bank where the deceased relative placed the funds, then the notary can make a request to this financial institution. If the heirs do not know which bank the money is in, then they can contact a specialized organization for searching for deposits. It is worth contacting such specialists even if you are probably not sure about the existence of cash deposits, so as not to lose your inheritance.

Contacting the bank

After the period allotted by law for the consideration of the inheritance case has passed, and the notary has issued you a certificate, you can apply to a financial institution to dispose of your share of the funds due to you.

Depending on the situation at the bank, you will need the following documents:

• confirmation of the right to inherit by will (certificate of a notary);
• certificate of the right to inherit by law, if the inheritance of a monetary contribution occurs without a will;
• passport or documents proving the identity of the heir;
• agreement on the division of property indicating shares (if there are several heirs);
• a notarial decree on reimbursement of funeral expenses (if funds are withdrawn for this purpose);
• a copy of the court decision (if the process of recognition of ownership was carried out).

After that, the bank is obliged to issue funds to the heirs according to their shares.

If you were issued a testamentary disposition before 03/01/02, you do not need to provide a certificate of the right to inherit, your passport, death certificate of the client and a bank agreement (preferably) are enough.

It should be noted that if a notarial will is executed for the deposit or all inherited property after the bank order was drawn up and the inherited person is changed, then the will completely or partially cancels the effect of the order.

Possible difficulties when entering into an inheritance

Although the process of entering into an inheritance is lengthy, it is quite understandable and well-established. Despite this, there may be special cases that greatly complicate it. These include:

• friction between heirs and the emergence of new participants in the process;
• late submission of an application for opening an inheritance case, that is, you submitted an application to a notary after more than 6 months have passed since the death of the testator;
• The bank refused to issue funds for legitimate reasons.

In these and other cases, in order to defend your right to a share of the deposit left, need to file a claim with the court. This can be done both in relation to all inherited property, and in particular to a monetary contribution.

The application must be filed with the district court and must contain the following information:

• about the participants in the process (the defendant, the plaintiff, other persons);
• court data;
• circumstances and substance of the case;
• petition.

All documents relevant to the case are attached to the claim.

You will be able to exercise your right to inherit the deposit only with the relevant court decision.

Inheritance of foreign deposits

The inheritance of such deposits is associated with certain problems, which are caused by international legal regulations. Domestic Laws different countries differ, and the choice of applicable law will directly affect your share and the order of inheritance.

For example, differences may be in the rights of the remaining spouses, the age of majority, etc.

But, the main problem arises with the search for a deposit. To overcome this stage as quickly as possible, you will need to contact special organizations to search for sleeping accounts.

IN foreign countries, just as in Russia there is a practice of transferring unclaimed deposits to the state property. So, for example, in Switzerland in 2020 they plan to introduce a law on the transfer of such funds to the treasury if their owner or his heirs have not made themselves felt for more than 50 years.

Thus, the inheritance of deposits is carried out according to the standard procedure provided for by the legislation of Russia, although it has its own nuances. All disputes or problematic issues will be settled in court. This process can take quite a long time, and knowing the features will help shorten this period.

At the same time, one should not forget about the timing of inheritance and the legal right of the state to take unclaimed funds into its property. Do not neglect your legal inheritance rights.

When inheriting any property, there are peculiarities, and money is no exception to this rule. After the death of the testator, his heirs must apply to a notary to open the inheritance, and subsequently, to accept it and obtain the appropriate certificate. This procedure is carried out by drawing up the appropriate statements and submission of the necessary documents notary, as well as payment state fees. It is important to note that the available funds of the testator can be transferred to his heirs both by law and by will, and in some cases by making a testamentary disposition in a bank. In any of these cases, the new "owner" can dispose of them only after receiving the appropriate certificate of the right to inheritance. Of no small importance in inheritance is given to the issue of its taxation. In turn, the state exempted from paying tax all persons who received property by inheritance.

How to get money by inheritance

• by law or will (Article 1111 of the Civil Code of the Russian Federation);
• by contacting a notary public or a district court.

The procedure for entering into an inheritance involves its acquisition by acceptance(Chapter 64 of the Civil Code of the Russian Federation). It can be carried out in the following ways(Article 1153 of the Civil Code of the Russian Federation):

1. Submission of the relevant application to the notary at the place of opening of the inheritance (i.e. the place of the last residence of the deceased person - the requirements of Art., Civil Code of the Russian Federation, Art. 62 of the Fundamentals of Legislation on Notaries).
2. The performance by the heir of actual actions, indicating his acceptance (i.e., he took over the management of this property, took measures to preserve it, etc.).

Acceptance of property by inheritance within 6 months from the moment of its opening, however, this period is not restrictive. This means that it can be extended in case of a pass, if there are good reasons for this (Article 1155 of the Civil Code of the Russian Federation).

Most effective way receipt of funds in the order of inheritance is the appeal of the heirs to the notary. This is due to the fact that it is this person who has the right in accordance with Art. 64 art. 1172 of the Civil Code of the Russian Federation to accept protection measures inherited property. For money, this could be actions, how:

• implementation of an inventory of property included in the estate;
• depositing cash on a notary's deposit, including from debtors of a deceased person;
• giving instructions to the appropriate persons.

When considering this issue, it is advisable to pay special attention to such a protective measure as depositing funds on a notary's deposit. This procedure, in addition to Art. 1172 of the Civil Code of the Russian Federation, regulated by Art. 87 Fundamentals of legislation on notaries, as well as paragraphs 156-161 of the Order of the Ministry of Justice of Russia No. 78 dated April 16, 2014 “ On approval of the rules of notarial office work».

In the event that the testator is a creditor, and his debtor has deposited the appropriate amount of money on a notary's deposit at the place of fulfillment of the obligation (if it does not coincide with the place of residence of the creditor), then these funds are also included in the estate, but their issuance is carried out only upon presentation of a certificate of inheritance.

When a notary takes measures to protect the inheritance, interested parties will need to pay a state duty in the amount of 600 rubles(clause 23, clause 1, article 333.24 of the Tax Code of the Russian Federation - the Tax Code of the Russian Federation).

Certificate of right to inheritance for money

In order to become the full owner of the funds attributable to inheritance, the heir must not only accept it, but also obtain the appropriate certificate. Art. 70 Fundamentals of legislation on notaries, art. 1163 of the Civil Code of the Russian Federation establishes a period after which it is issued to the heirs (at any time after the expiration of six months from the date of its opening). However, this period may be shortened. For example, when there is reliable evidence that, apart from those who applied for its extradition, there are no other heirs to this property or by a court decision.

To obtain a certificate of inheritance, you must submit the following documents to the notary(in originals and copies):

1. Application for the issuance of a certificate of inheritance.
2. Passport as a document proving the identity of the heir.
3. Documents confirming the authority of the representative of the heir.
4. Death certificate of testator.
5. Supporting documents for inherited property (passbook, bank deposit agreement, testamentary disposition, information about an open deposit with another notary, etc.)
6. Documents confirming the right to inherit (testament, documents of kinship - marriage certificates, birth certificates).
7. A document establishing the last place of residence of the testator (extract from the house book, certificate from the passport office, housing office), as well as persons cohabiting with him (to establish a mandatory share).
8. Receipt for payment of the state duty for issuing a certificate (clause 22, clause 1, article 333.24 of the Tax Code of the Russian Federation - for close relatives 0.3% and not more than 100,000 rubles, for other heirs - 0.6% and not more than 1,000,000 rubles ).

Said evidence compiled according to the approved form in accordance with the requirements of the Order of the Ministry of Justice of Russia No. 99 dated April 10, 2002 “ On approval of Forms of registers for registration of notarial acts, notarial certificates and certification inscriptions on transactions and certified documents". In his content it is mandatory to indicate such data as:

• place of issue in full, date in words;
• information about the notary and heirs;
• basis for inheritance;
• data on the inherited property with its detailed characteristics, as well as the presence or absence of any encumbrances;
• information that this document is a title document for the heir;
• the need for registration of rights;
• number of the inheritance case;
• registration number in the relevant register;
• the amount of the collected state duty (tariff);
• signature and seal of the notary.

Inheritance with money in the savings book

Any funds that belonged to the testator on the day of his death are part of the inherited property, and funds held in bank accounts are no exception to this rule.

In addition to the considered option of receiving money by inheritance, it should be noted separately testamentary disposition rights to cash in banks (Article 1128 of the Civil Code of the Russian Federation). It is understood as such a document, according to which the depositor (testator) bequeaths his funds in an account opened with a certain bank to his heirs.

The procedure for making such an order has its own characteristics and is regulated, in addition to the norms of the Civil Code of the Russian Federation, by Decree of the Government of the Russian Federation No. 351 dated May 27, 2002 “ On approval of the rules for making testamentary dispositions with rights to funds in banks". Such a document equates to a will, certified by a notary, although it is drawn up at the bank where the deposit of the testator is opened, and its commission is absolutely free.

The receipt of these funds by the heirs is carried out directly in the bank where they are based on the issued certificate of inheritance. Thus, the receipt of these funds falls under the general conditions for registration of the inheritance.

From the specified amount of money before the expiration of 6 months from the date of opening of the inheritance, the heirs can receive part of it in case of reimbursement of expenses caused by the death of the testator (Article 1174 of the Civil Code of the Russian Federation) on the basis of a notary's decision. They may be associated with dying illness, funerals, payment for a burial place, etc.

These expenses are reimbursed within the value of the inheritance, and those associated with the funeral in an amount not exceeding 40 thousand rubles.

It is important to note that even if there is a certificate of the right to an inheritance, in which, according to a testamentary order, a certain part of the contribution or all of it is due to the heir, the latter may not always “dispose” of these funds at the moment when he wishes. This may be due to the fact that the testator provided special conditions at your disposal. For example, the issuance of funds within a certain time frame and amount, the obligation to reach a certain age for the heir.

Another point in the inheritance of funds can be identified testamentary renunciation, or in other words, this is a situation where the testator imposes on one of the heirs a property obligation in favor of another person at the expense of the inheritance.

Art. 1137 of the Civil Code of the Russian Federation quite clearly defines that such a refusal is made only in will with the obligatory indication of its subject, including the implementation of periodic payments in favor of the legatee. This may also apply to funds held in the accounts of the testator. At the same time, the beneficiary this case is not an heir, but a third party, and the arising relations between them are binding, i.e. as debtor and creditor.

Inheritance tax

When entering into an inheritance, heirs must always remember that in order to complete this procedure, they need paragraphs. 18 p. 1 art. 217 of the Tax Code of the Russian Federation are not subject to taxation, and therefore, the heirs are always exempt from income tax individuals(personal income tax).

1 answer. Moscow Viewed 94 times. Asked 2013-03-31 11:05:28 +0400 in the subject “Inheritance law” Please tell me the wording of the receipt for the keys to safe deposit box. just need the text itself thank you!

Please tell me the wording of the receipt for the keys to the safe deposit box. just need the text itself thank you.

then 1 answer. Moscow Viewed 163 times. Asked 2013-07-06 15:06:43 +0400 in the topic "Other questions" Purchase and sale! help! - Purchase and sale! help. then 1 answer. Moscow Viewed 35 times. Asked 2013-07-10 10:41:29 +0400 in the real estate topic Expert review contents of a bank cell - Expert evaluation of the contents of a bank cell. then 1 answer. Moscow Viewed 90 times. Asked 2012-09-26 11:44:58 +0400 in the topic "Banking" What is a bank cell lease agreement.

Acceptance of the inheritance is carried out by filing at the place of opening of the inheritance to a notary or authorized in accordance with the law to issue certificates of the right to inheritance to an official of the application of the heir to accept the inheritance or the application of the heir to issue a certificate of the right to inheritance.

Thus, it seems that the heir of the client is allowed to the safe deposit box only on the basis of a certificate of the right to inheritance, which must be issued to him by a notary. I, Ivanova Maria Sergeevna, notary

Yekaterinburg, Sverdlovsk region I certify that on the basis of Article 1145 of the Civil Code of the Russian Federation, the heir of the property of Rudolf Petrovich Vlasov, indicated in this certificate, who died on January 25, 2004, is: his cousin - Nikita Sergeevich Vlasov, born in 1970 (12.06), residing at:

Bank cell opening

The lease term has ended, and the client has not taken his valuables from the safe deposit box.

After 30-90 days from the end of the lease agreement (depends on the agreement concluded with the bank) credit organisation has the right to open the cell; when entering into inheritance rights. The heir must present to the bank an appropriate certificate drawn up by a notary. The autopsy takes place with the participation of the heir / heirs, who can pick up the contents of the cell on the same day; if the cell contains valuables prohibited for storage or substances that have a harmful effect.

It is forbidden to store weapons, narcotic, flammable, highly poisonous, explosive, chemical, radioactive and creating strong electromagnetic fields substances, as well as property that in any way may affect the safety of the cell and the depository of the credit institution as a whole.

Bank cell inheritance

Based on Article 922 of the Civil Code of the Russian Federation, individual bank safes (cells, isolated premises in a bank) can be provided to a client on the basis of two different agreements: The first is an agreement for the storage of valuables in a bank using an individual bank safe by the client.

According to this agreement, the bank, according to the inventory, accepts the valuables that must be stored in the safe, and exercises control over their placement in the safe and withdrawal from the safe.

The second is an agreement for the storage of valuables in a bank with the provision of an individual bank safe to the client. Under such an agreement, the bank provides the client with the opportunity to place and withdraw valuables without control by the bank and without the bank's responsibility for the contents of the safe. In fact, this is a lease agreement, and banks, as a rule, call this kind of agreement.

Making an inheritance on the contents of a bank cell.

Registration of an inheritance often becomes a rather complicated and lengthy process.

In order for everything to go without misunderstandings and unnecessary waste of time, financial resources and health, it is worth entrusting such an important and difficult task to specialists. Legal Bureau "Center for Registration of Inheritance" provides services of qualified lawyers, including registration of inheritance.

Our staff will help resolve various disputes and carry out the necessary procedures, including the registration of an inheritance in a safe deposit box.

This is, of course, not about the cell itself, its contents are of interest. Can it be inherited if the owner dies? If there is no key to the cell, can heirs access it? How is the inheritance for the contents of the safe deposit box processed? The Legal Bureau "Center for Inheritance Registration" will carry out all the necessary actions at a high level, taking into account all the details and subtleties of each case.

10 questions about bank vaults

With the approach of summer, more and more Ukrainians are thinking about where to put money and various family heirlooms during the holidays.

If earlier the head ached only for these very relics (the money was deposited), today one has to take care of the “shelter” for personal savings.

Given the crisis in the economy, more frequent robberies and distrust of bank deposits, good option looks like renting an individual bank cell.

It is about bank safes that readers most often ask us lately.

We made a selection of the most interesting questions and asked the bankers to answer them. The introduction of a temporary administration in a bank does not affect the safety of valuables in bank cells and access to them.

Bank cell inheritance

The notary certifies the wills of capable citizens, drawn up in accordance with the requirements of the law Russian Federation and republics within the Russian Federation and personally submitted by them to the notary.

Customers who keep their savings and other valuables in a bank vault with temporary administration, as before its introduction, are free to put anything in the safe and withdraw its contents at any time.

Certification of wills through representatives is not allowed. The notary, in the event of receiving a notice of the revocation of a will, as well as receiving a new will that cancels or changes a previously drawn up will, makes a note about this on the copy of the will kept by the notary and in the register of registration of notarial actions. Notice of cancellation of the will must be notarized.

A notary who has received a message about an opened inheritance is obliged to notify about this those heirs whose place of residence or work is known to him. The notary may also call the heirs by placing a public notice or reporting it in the media.

Bank cell inheritance

First of all, it is necessary to resolve the issue of the need to take measures to protect the inherited property located in a bank cell rented by the testator. Measures for the protection of the inheritance are taken solely for the purpose of protecting the rights of heirs, legatees and other interested parties, if necessary, in order to eliminate the possibility of damage, destruction or theft of hereditary property.

As a rule, banks provide decent conditions for ensuring the safety of property stored in safe deposit boxes, and there is no need for a notary to protect this property. In order to identify the composition of the inheritance and its protection, banks, other credit organizations and other legal entities are obliged, at the request of a notary, to inform him of the information available to these persons about the property that belonged to the testator.

Inheritance and wills

Any person can make a will an unlimited number of times, while it must be in writing and certified by a notary or other authorized legal person.

A will can be contested if it infringes on the interests of disabled relatives of the deceased.

Such relatives, as a rule, have the right to a mandatory share in the inheritance, which is not canceled by a will.

A notarized will can be written both independently by the testator, and recorded from his words by a notary.

Various technical means (typewriter, computer, etc.) may be involved in the writing process. A will that was written down by a notary according to the testator's words must be read personally by the testator before he signs it.

An individual safe deposit box, the legacy of which requires the identification of its contents, can be opened by you in the presence of competent employees of our company.

The participation of an experienced lawyer in the procedure for opening and inventory of objects will protect your legitimate interests in establishing and including the unknown contents of a bank safe in the estate.

Price - 3 000 rubles / Term - 1,5 months

Additionally paid:
1 500 rubles - a power of attorney to conduct inheritance affairs;
1 100 rubles - opening a hereditary case (one-time, not paid for other objects);
1 100 rubles - an application for acceptance of the inheritance (one-time, not paid for other objects);
300 rubles - 1 request (notarial for one object);
1 000 rubles - a certificate of the right to inheritance (up to 100,000 rubles);
3 000 rubles - a certificate of the right to inheritance (for more than 100,000 rubles);
60 rubles - a copy of the certificate of the right to inheritance.

By enlisting the help of the company, you will provide yourself with:

• reliable support from competent specialists in the procedure of inheritance of property stored in the bank;
• participation of an experienced lawyer in all procedural activities.

Safe deposit box: inheritance and inventory of contents

The company's practice shows that these procedures can cause conflicts over the ownership of certain discovered objects and provoke legal disputes.

Lawyers cite the following reasons for this:

• unexpectedly opened and previously unknown assets to the heirs;
• the presence in the repository of property that requires the definition of its legal regime.

Sometimes there are difficulties with the organization of the procedure itself. As a rule, they are associated with the fact that:

• any of the participants required by law does not have the opportunity, motives or desire to arrive at the venue at the time agreed with the bank and appointed by the notary;
• by any of the participants involved various reasons deadlines are missed.

Lawyers have come across cases when, after overcoming all organizational difficulties, the opened cell turned out to be empty.

Features of storing valuables

The procedure for the inventory of the contents of an individual safe by a notary depends on the type of agreement with the bank. Simplified types look like this:

• lease contract;
• storage agreement.

1. Storage involves the acceptance by the bank of various kinds of valuable property in accordance with the relevant acts, its placement in a special safe, strict control over the seizure and other actions of the owner. In this case:

• the entire composition of the property is known to the bank;
• the bank has an inventory;
• the notary checks the availability of property in the vault opened for verification.

2. Renting does not imply bank control over the contents of an individual safe.

The notary in this case establishes the contents when opening the cell.

The lease agreement, as the subject of inheritance, along with the contents of the cell established and included in the estate, is transferred to the successor by law or by will in accordance with generally accepted rules.

First of all, it is necessary to resolve the issue of the need to take measures to protect the inherited property located in the bank leased by the testator. Measures for the protection of the inheritance are taken solely for the purpose of protecting the rights of heirs, legatees and other interested parties, if necessary, in order to eliminate the possibility of damage, destruction or theft of hereditary property.

Registration of an inheritance for a safe deposit box in the Center on Paveletskaya

The Inheritance Clearance Center will help you to enter into an inheritance on a safe deposit box. We will provide a full range of services necessary for you to get what you are entitled to by law without any problems: we will consult on the issues of entering into an inheritance on the contents of banking; we will open an inheritance case with a notary; put marks in the will that it has not been changed or canceled (if necessary); we will help in the collection of documents for registration of the inheritance; make the necessary notarial requests; we will obtain from a notary a certificate of the right to inherit by will or by law; if necessary, we will represent the interests of the client in financial institutions and tax accounting authorities.

I would be grateful for advice on this matter. My sister (single) died. There are two heirs - a brother (I) and a sister.

We knew that the sister kept part of the money and jewelry in a safe deposit box (she started repairing the apartment, but here oncology is a disaster).

When examining the documents of the deceased, we saw that the term of the cell lease agreement had expired and, in the absence of payment, the bank has the right to open the cell in 1 month to compensate for its own losses. I arrived at the bank, presented my death certificate, my passport.

Bank cell content inheritance

After the death of the testator, a safe deposit box remained, issued accordingly to the testator.

The mother and father of the testator entered into the inheritance. The lease agreement for a bank cell does not provide for an inventory of the contents of this cell.

The notary does not issue a certificate of inheritance for this property, because.

it is not defined what is there. And he does not want to talk about the fulfillment of his duties about ensuring the safety of hereditary property.

We went to court with a demand to recognize the ownership of the property located in the cell. The judge is young and "floats" in this matter.

He answers the petition for securing the opening of the bank and the inventory of the contents - on what basis the court will open the cell.

Inheritance and wills

Any person can make a will an unlimited number of times, while it must be in writing and certified by a notary or other authorized legal person. A will can be contested if it infringes on the interests of disabled relatives of the deceased.

Such relatives, as a rule, have the right to a mandatory share in the inheritance, which is not canceled by a will.

Inheritance of deposits in banks

Funds from the deposit can be received only after a certificate is issued, which clearly states the right to inheritance certain person. In the absence of such a document as a will, the procedure for inheriting bank deposits will occur in accordance with civil and family law.

This helps to ensure the right approach to solving problems related to inheritance issues.

One of the numerous services of modern banks is the provision of banking services to customers, which are also known as individual (bank) safes, safe boxes or deposit boxes. However, not many people know that this banking service has an impressive history.

The world's first safe vault was created back in 1865 in New York by Francis Jenks, and it was called the Safe Deposit Company of New York.

Exchange rates in Moscow banks

In order to use a safe deposit box, it is not necessary to be an oligarch with a suitcase of jewelry or the owner of shares in a large corporation. Today, this service is quite accessible to any citizen. Let's figure out what a deposit cell is, what it is intended for, learn about the advantages and disadvantages of using it.

So, a deposit or bank cell is a metal safe with special locks.

Bank cell opening

The lease term has ended, and the client has not taken his valuables from the safe deposit box. After 30-90 days from the end of the lease agreement (depending on the agreement concluded with the bank), the credit institution has the right to open the cell; when entering into inheritance rights. The heir must present to the bank an appropriate certificate drawn up by a notary.

The autopsy takes place with the participation of the heir / heirs, who can pick up the contents of the cell on the same day; if the cell contains valuables prohibited for storage or substances that have a harmful effect.