Wednesday, June 1, 2011

Safe deposit boxes - a godsend for cheaters?

It would seem no more reliable way to save money than the bank. However, theft from safe deposit boxes come so far. For example, recently in one of the capital of banks from the deposit box had been stolen $ 3,3 million, the radio station City FM ». 40-year-old Muscovite, who sold an apartment in a residential complex "Sparrow Hills" on Mosfilmovskaya street, in early September along with the buyer has invested in a deposit box the desired amount of money. After the transaction the seller has come for their money, but in a cell he would not have found. According to experts, to steal money from the cell is not so easy, so most likely in this case was involved either someone from the bank employees, or the buyer himself, exploited the forged documents. To date, safe deposit boxes are still the most popular way of transferring money in transactions with real estate. Thus, the bank would act as a third party at a time when the seller and the buyer money lay in the cell, the latter are negotiated in advance all conditions. Usually after the completion of the transaction the seller takes the money, but if the sale does not take place, money is returned back to the buyer. Generally there are two ways to store valuables in a bank vault. One of them assumes full responsibility for the bank to save the contents of the cell. So, the bank is storage agreement and a list of transmitted values, also compiled an inventory on which the bank accepts the deposit of the property and then returns to the client. Itself safekeeping worth the extra money, but such a service is ready to give, not every bank. Yes, and the customers themselves much more prefer another way of storing, when the bank about the contents of the cell does not know anything, and for its preservation is not responsible. In this case the bank does not check what value the customer puts in a cell, but special devices able to detect prohibited items to storage. As a rule, it is thus performed the majority of transactions on sale of real estate. On the one hand, such storage is more convenient, on the other hand, carries a certain risk, because the bank is taken to protect only the depositary. However, and here is the way out. Thus, the most doubtful bankers advise their own insurer to invite him to help insure the contents of the cell.

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