After the death of the elderly, if there is a deposit in the bank account, but the family does not know the password of the old man's bank account, in this case, in the past, if the children want to inherit the savings of the elderly, various procedures are particularly difficult to handle.
However, the good news is that recently, the mainland's financial regulatory system has issued a number of optimization policies related to the inheritance of small deposits, focusing on solving the problems of time-consuming and high costs of inheriting small deposits.
In addition, there is an important new regulation related to deposits that will be officially implemented recently, let's take a look.
01.
Deposit inheritance ushered in important new rules
On April 26, the State Administration of Financial Supervision and Administration and the People's Bank of China jointly issued a Notice on Optimizing the Requirements for Withdrawal of Small Deposits of Deceased Depositors (hereinafter referred to as the "Notice"). This notice officially marks a new phase of the deposit succession policy.
The new regulations make it clear that the upper limit of small estate deposits that need to be notarized in the past has been increased from 10,000 yuan to 50,000 yuan.
To put it in layman's terms: in the future, if the old man dies, the heirs inherit a deposit of less than 50,000 yuan, and there is no need to notarize it, and there is no need to pay notarization fees.
In the original regulations, if the old man left a deposit of more than 10,000 yuan, then the heir must complete the notarization before inheriting when withdrawing the deposit. It can be seen that the starting point of the notarization amount of inheritance deposits has been greatly increased.
In addition, the new regulations also clarify:
That is to say, if the elderly have property within 50,000 yuan in each bank, although the sum exceeds 50,000 yuan, but they are scattered in different banks, as long as the account amount of the same bank does not exceed 50,000 yuan, notarization is not required.
For example, suppose that after the death of the old man, he left a deposit of 20,000 yuan in Bank A and another 10,000 yuan in treasury bonds. Leaving a deposit of 30,000 in Bank B.
Before the introduction of the new policy, if the children of the elderly wanted to inherit these, both banks needed to submit a notarial deed, just because according to the old regulations, the total amount exceeded 10,000 yuan.
However, after the new policy is implemented, the children of the elderly can withdraw these properties directly from the bank, which greatly improves the convenience of inheritance and saves additional costs of inheritance.
02.
There are also three major changes to the New Deal
In addition to increasing the limit for simplified withdrawals, there are three new changes to deposit inheritance.
(1) Treasury bonds, wealth management products, and gold accumulation products are also included in the scope of simplified withdrawal.
According to the new regulations, any gold accumulation products, treasury bonds and wealth management products can be exempted from notarization as long as their value does not exceed 50,000 yuan. This not only makes the extraction process easier, but also saves the associated costs and time.
(2) The first heir in line can view the bank account transaction details for 6 months after the depositor's death and before the death of the depositor.
In this way, it is possible to take into account both the obligation of confidentiality and the reasonable needs of the heirs, which is a relatively balanced provision.
(3) It is stipulated that funeral expenses and pensions are not included in the limit of 50,000 yuan, and can be withdrawn in full and simplified.
That is to say, the withdrawal of funeral expenses and pensions, no matter how much money there is, does not need to be notarized, and it does not occupy the amount of 50,000 yuan. In this way, the procedures for the withdrawal of funeral expenses and pensions are simplified.
Nowadays, more than 500 million people in China have participated in the employee pension insurance, and according to the relevant policies, the people who participated in the employee pension insurance, after the death of the funeral expenses and pensions, after the new regulations are implemented, even if the two sums of money exceed 50,000 yuan, there is no need to go through the notarization, and their relatives can obtain these funds faster and more conveniently.
In addition, the State Administration of Financial Supervision has carried out a lot of preparatory work before issuing the Notice, and has designed a four-level operation process of "General Administration-Provincial Bureau-Sub-Bureau-Branch" to ensure that the policy can be implemented on June 1.
In short, the above-mentioned optimization of the deposit inheritance policy can not only reduce everyone's burden and increase everyone's convenience, but also improve the efficiency of inheritance deposits, which is undoubtedly a good thing for the people's families.
Wan Ziwen said: Every word of the article was typed out by me, and I clicked "watching" to let me know that you are also "doing your best" for life.
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