Luxembourg. Bring the contribution.
Luxembourg. Bring the contribution.
At our time it is a lot of signs. One of the most expressive
- The bill in foreign bank. If still couple of months back it was
Almost foppery nowadays became an absolute must. Therefore
We begin a series of publications about opening of bills in the foreign
Banks.
This time it will be a question of Germany and Luxembourg. (About opening
Bills in the Swiss bank see "Profile" N1, 1998.).
It is unfair. Financier-loser Lisson who has started up on
To the world English bank Barring, in few days has turned in
superstar, "star" of world size. Its successors will be
To scribble memoirs and to arrange in expensive boutiques party - displays
Clothes "a-lja the bankrupt".
And than, it is asked, Smolensk or Khodorkovsky is worse? It,
By the way, it is not necessary to work at all. But and the world glory not
To see - one silent petty-bourgeois happiness.
Russian bankrupt - the phenomenon no more scandalous, than Russian
Balalaika or vodka "Capital" (not to confuse to Capital bank
Savings). Local colour. Same, as 1000 % annual on
To the contribution to 1000 roubles, or Sergey Kirienko who has gathered
Foreigners, in an armchair of the chairman of Foreign trade and investment bank (managing,
By the way, external debts).
In a word, at them SO it is not accepted. Neither to go bankrupt, nor to pay
Mad percent. 18 % annual which before crisis offered
"The Russian credit", - figure for any bank of Europe or America
The mad. Be more modest, and bankers will be pulled to you: a maximum on
That it is possible to count is 10 % annual in Luxembourg and 4 % in
Switzerland.
These scanty payments will make your life sad and nonsaturated
- You will not manage to find a related soul in turn of the deceived
Investors and to test shchenjachy delight because, that the silent
The cash dispense will spit in you the next 500 roubles a day on the plastic
To card. To pleasure in your life becomes less. And liberated
You can spend time for business, travel or
Education.
However from time to time the western banks too entertain the
Investors. For example, tell about your successes of the tax
Polices. Or recommend to come to bank in ten years. And
To explain to them, that for this time in Russia can happen
Nationalisation, privatisation and ekspropriatsija with October
Revolution, it will be difficult.
So, it was called Tatyana.
In 1948 Germany has told the last "aufviderzeen" the military
To ruin. Since then in the country any bank has not gone bankrupt. Local
Currency - DM - the stablest and significant after
The American dollar. By the way, dispute between the stamp and dollar
Proceeds from the moment of their occurrence. And fast introduction
Eurocurrencies are not that other, as attempt of the old woman of Europe
To press the gone too far Yankees with their dollars.
Hundred thousand Russian firms, off-shornyh the companies and it is simple
Private persons have bills in the German banks. Among investors, on
To hearings, and the daughter of president Boris Nikolaevicha, Tatyana Dyachenko.
As the newspaper "Munich has written in the end of July of current year
The courier ", Mrs. Dyachenko has got the ancient in personal possession
Lock Ljajtenshlessel in the Bavarian city of Garmish-Partenkirhen. In
September in the lock as the newspaper confirms, should begin
Repair. The bald lie. In September any normal Russian
Repair will not begin: crisis.
In the rest we will notice, that for cash the real estate in
Germany to buy it is impossible. All large transactions are spent in this
To the country it is exclusive through banks. At Germans, unlike us, not
It is accepted to carry money lorries, even suitcases.
So before to write about purchase of the lock of the presidential
The daughter, journalists of "Courier" could check up the facts. And
To find out, that before it Tatyana should open the bill at least
In Deutsche Bank. As to pay taxes to the real estate and
The earth to list the salary to the builders restoring the lock,
And to protection too it is necessary for attendants exclusively through
Bank.
Meanwhile the choice of banks in Germany is great even to our measures:
There 3578 banks and thousand their branches work.
According to the head of Moscow representation Bundes
Bank (analogue of our Central Bank) Andreas Mepshnera, among
The largest banks of Germany Deutsche Bank, Dresdner Bank,
Bayerschi Hipotheken und Vereins Bank.
All Deutsche Banks are subdivided on private, co-operative
("rajfajzen") and public-banks. The last are similar to ours
To savings banks, and their controlling interests belongs
To the federal earths.
By and large, for the client of a special difference, in which
Bank to open the bill, no. All of them offer a standard set
Services.
Percent on a depositary abacus everywhere the low. The contribution to 10
Thousand stamps will bring to the owner of the bill dividends in size no more
3 % of the annual. Germans consider 5 % already as very decent income.
Pleasant negotiations.
To open the bill in Deutsche Bank I has tried at first
Directly in Moscow. At capital office Dresdner Bank to me
Have responded, that bills to private persons do not open.
- But I have off-shornaja a company, - I have said a voice
Tatyanas Dyachenkos.
- Send, please, by fax your demand, specify the monetary
Turn of firm, its founders. Write also for that you wait from
Bank. Employees of our central office in Frankfurt
Will consider the demand. In a week to you will respond, will be Dresdner Bп nk
To work with you or not.
However, it was necessary to hand over a material in two days and I,
To accelerate events, has called in Frankfurt office Dresdner
Bп nk. Me have connected to the manager of department of private contributions,
Presented to me Mrs. Bets.
I have named the name.
- What is your trade?
- At me small travel company. I do not trust more
To the Russian banks also I wish to open a depositary bill in the good
The western bank. I have chosen Dresdner Bп nk.
- You wish to place what sum?
- Let's tell, thousand twenty dollars.
- We can open to you a bill. However we advise to you to bring in
The stamp bank, instead of dollars - then percent will be above.
- To me it is indifferent, in what currency there will be my bill.
Further Mrs. Bets has very politely taken an interest, whether I plan
In the near future to arrive to Germany. All the same in what city -
Frankfurt, Munich, Hamburg or Berlin.
Such trip was not included into my plans.
- Do not worry, - Mrs. Bets has calmed me. - you can
To visit the Moscow office of our bank (street Tagansky, 17/23).
- But I already addressed there. To me have told, that they do not open
Bills.
- Refer to me or Mr. Muller, and at you will not be
Problems. Now I will send you the contract on bill opening (account
contract), you fill it and will come with it and your passport in
The Moscow branch. They will witness your signature. You will send
This questionnaire to Germany, will leave a phone number and the address, on
To which we will keep in contact with you further. Further I
To you I will inform by fax number of your bill. To you it is convenient?
- Quite. And how to me to forward money to Germany?
- Translate them by means of any bank. In it to you can
To help and our Moscow office.
On mafia traces.
According to the assistant to the chairman of board of the Moscow branch
Deutsche Bank Cyril Semenova, the German bankers can
To develop the client with the diplomat of a cash.
- Certainly, if in office the representative of "Gazprom" suddenly comes with
$10 million, nobody will ask it, whence money. But if
The same money will be brought any off-shornaja by firm or that
More the private person, the bank has the right to demand the document about
Origin of money, - Mr. Semenov has told to us.
Two years ago in Germany the control has become tougher for
Activity of banks. Local authorities were frightened of invasion
"Russian mafia". According to the general director of the consulting
Denis Demidov's companies JATTA, the bill in Deutsche Bank will be
It is immediately frozen, as soon as its employees will suspect you in
kriminale. Namely in traffic in arms or drugs. On
To German laws, the money received from these sources,
"Dirty". All the others - legal.
German bankers not casually value the reputation. If in
Bank "dirty" money, the top management (and it, as will emerge
The rule, two chairmen of board) will lose the personal
Licences. They never any more will not find good,
Highly paid job in one financial structure of the country.
While the owner of the personal bank licence has
In Germany huge privileges. Before it doors in the big are opened
To the politician, in any official body or large
Corporation.
Thereupon not out of place will notice, that on German
To the legislation on all operations of clients for the sum,
Exceeding 15 thousand stamps, the bank is obliged to inform
Supervising bodies.
Do it banks actually or not, to tell difficultly. All
The bankers interrogated by us have responded, that they implicitly
Observe the law. As the main supervising body
Germany - the Commission on supervision of bank activity -
Appoints in each Deutsche Bank of "pathfinder" - the representative on
To tracing of doubtful operations.
- All suspicious payments pass only behind its personal
The signature. It is responsible for reputation of clients. If at it
There will be doubts in legality of operations, it immediately
Addresses in court, - have told to us in one of Deutsche Banks.
At Deutsche Banks from police of secrets is not present.
The important detail: the secret of the bill in Deutsche Bank is declassified
Under the first requirement of any local court - state,
Federal, ground or city.
Moreover, in Germany the system of the anonymous is very developed
Denunciations. According to any "well-wisher" (the citizen of this
The countries or the foreigner) the court immediately freezes the bill
The "suspicious" client of bank. Then begins
Trial.
If the judge recognises, that claims donositelja are fair, it
Requests bank about quantity of money on the bill of the guilty.
One bank has no right to give up in granting of the similar
Information. In default the Commission on supervision of the bank
Activity will immediately close bank.
When the information on the sum on the bill arrives to the judge, it
Definitively solves, what its part can be written off. Such practice
Anonymous denunciations, in particular, allows creditors to "shake"
The debtor.
If the bill in Deutsche Bank can read as the open book
Actually any local policeman, whether costs ovchinka manufactures?
Denis Demidov, the general director on the countries East
Europe consulting company JATTA: "it is better not to open the bill
In those Deutsche Banks which have representations or
Branches in Moscow. The Russian law enforcement bodies without effort
Will receive any information on the bill of any client. At them for this purpose
There are internal channels ".
But it, alas, not a unique lack of Deutsche Banks. Is
Still, at least, one. It, by the way, forces even
Legislative Germans to hide the capitals abroad.
The matter is that in Germany the huge tax is established on
Percent on the depositary contribution. At the moment it makes
15 % (this figure constantly varies).
That is with pity (to domestic measures) 3 % of annual profit
You should give to the state almost the seventh part. However,
The Russians having of an abacus in Deutsche Bank and staying on
Territories of Germany less than 183 days in a year, this tax do not pay.
But this tax does depositary bills nonconventional
Type of service of the German bankers. As a result in the country is not present
The developed culture private bankinga, characteristic, for example,
For Switzerland, England and the USA.
That is why employees of the Russian and German consulting firms
Have unanimously advised to me to open a savings bill not in
Germany, and in Switzerland, Luxembourg or Liechtenstein. Where
Local residents, especially foreigners do not pay taxes on
Percent on contributions and dividends. And where bank secret of the contribution
It is observed much more religiously.
There is and more one reason on which of Germany have begun to flow
Capitals to Switzerland and the USA. Term of introduction of the uniform comes nearer
The European currency. Germans are afraid of full confusion in calculations
And fogging of the avuarov.
- Each German family has a depositary bill in Luxembourg,
Switzerland or the USA. These are the most reliable countries for storage
Capitals, - employees of one Russian-German have told
Bank.
Bank resort.
Luxembourg is famous all over the world for the vineyards and
Resorts. The dwarfish state which has settled down on
Heights, is an ideal place for treatment pulmonary
Diseases.
One more sight of Luxembourg - its banks.
The Great Duchy Luxembourg on the financial has grown rich
Services (that such the industry, local residents know only from
Books).
The territory of Luxembourg hardly exceeds Moscow on the area. But on
This small plot of land 217 banks with thousand have settled down
Branches.
The population of duchy of all of 420 thousand persons. From them nearby 40
Thousand - managers of financial structures.
Among the largest banks of Luxembourg - Banque General,
Banque Internationale au Luxembourg and Banque et Caissa d'eparque
d'etal (It is translated as the State bank and savings
Cash desk).
Luxembourg - the first competitor of Switzerland. Last is well-known
First of all owing to historical traditions. There has developed earlier
Modern system private bankinga. But more solid age,
Perhaps, unique advantage of banks of Switzerland. In all
The rest Great Duchy to the well-known republic at all
Concedes. And in something even has a number of the important advantages.
In Switzerland a depositary bill open, as a rule, on
Long term - from 5 years and above, and in many banks - from 10
Years. And for this time you as though cease to be the proprietor of these
Money: even if to you will be impatient them to remove, bank money simply not
Will give out. Therefore investors of the Swiss banks are typical
The investors counting on long-term accumulation.
In Luxembourg the legislation more liberal. You can
Actively to work with the bill, and also to remove the contribution to any convenient
For you time.
But keep in mind: depositary rates under the contribution, which
The owner does not use within a year, above.
The bill for all life and even is more.
In Luxembourg, just as in Switzerland and Austria, piously
The secret of the contribution is observed. These countries have the most rigid in it
Sense the legislation.
Thus in Switzerland and Austria scandals continually inflame
Round "washing up" of money. Even more often these countries name
Sediment bowls for "dirty" capitals. Last scandal
Has burst round Swiss avuarov the former president
Indonesia Suharto. Luxembourg in this sense quieter
The state.
The name of the true owner of the bill in the Luxembourg bank is known
Only to a narrow circle of managers. It, as a rule, no more than 5-6
The person.
The secret of the bill opens only under the decision of court Great
Duchies Luxembourg. Before to pass such decision, court
Will demand concrete proofs of fault of the owner. Any
Suspicions, a testimony or preliminary
Investigatory data will not be argument for attendants
Themis. Business will accept to consideration only in the event that on
To the native land criminal case on the owner of the contribution is got and are extracted
Absolute proofs, that its money "dirty".
But it does not mean yet, that the court will comply the request
Law enforcement bodies to declassify avuary. Before to fault
The owner of the bill should recognise and under the Luxembourg laws. And on
To local laws the capitals received by are "dirty"
Racket, prostitutions, drug traffic and the weapon.
Alexey Chanov, the director of consulting firm DS Express (firm
Specialises at opening of bills in foreign banks): "At
Bills in the Luxembourg bank are some more advantages. In
Banks do not render Switzerland to the majority of clients of service on
To electronic control by the bill. And it concerns as local
Inhabitants, and foreigners. Only Credit Suisse has allowed most
To large investors to operate capitals on the electronic
To mail. And the Luxembourg banks having system of the electronic
Managements, have resolved not so long ago to all clients (as
To citizens of Luxembourg, and non-residents) electronic control
The bill ".
And at last, one more conclusive advantage of local banks. In
Luxembourg bank services are cheaper, than in Austria and Switzerland.
Tariffs on bill service in comparison with Austria more low in 2-2,5
Time, in comparison with Switzerland - in 1,5 times ".
As well as in all foreign banks, the Luxembourg bill can
To use the person is so much, how much will put the signature on
To bank card. If you do not trust members of a family have the right
Not to inform number of your bill even to the most close people.
But then it makes sense to see to it in advance about successors.
That the rest on the bill has passed yours to the son or the daughter, it is necessary
To fill the so-called power of attorney after death. In it you
Will specify, who will be concrete your successor, its passport
Data and co-ordinates. Such document is in each Luxembourg
Bank. It can be issued at once at bill opening. The manager,
Which with you will work the next years, will assure
Authenticity of the power of attorney. This bank service is free.
$60 thousand one investments.
So, what procedure of opening of the bill in the Luxembourg bank?
And the main thing, whether it is possible to get the bill, not leaving from Russia?
I have called to Luxembourg (central office Banque General on
Avenue Monterrey, 27). I was responded by the employee of department of the private
Contributions of miss Filip. After I have named the name, it has set
Standard questions:
- Who you by a trade and for that wait from bank?
- I the general director of small travel agency.
I call to you from Moscow. I would like to open a personal bill in yours
Bank.
- First of all you need to arrive to Luxembourg. Yours
Presence at bill opening necessarily. For bank important,
That the client has brought "pure" money.
- To visit Luxembourg - my biggest desire. I will begin
To collect a suitcase as soon as we will end our conversation.
- You wish to have which bill?
- Well to have a savings bill in Luxembourg.
- We do not open savings bills to non-residents. Only
The investment. The minimum sum on investment bill $60
Thousand. It suits you?
- Certainly, - I have responded (it was necessary to finish experiment to
The end). And you will charge what percent and how long lasts
Procedure of opening of the bill?
- For the sum of $60 thousand we give 2,58 % annual. You will come in bank,
I will check up your documents. If that's all right, we to you open the bill
For half an hour.
- And what documents are necessary?
- The passport and money. Either cash, or the inquiry from bank about
Volume, that the sum necessary for opening of the bill in Banque General,
At you is.
Only the huge desire to open the bill in Luxembourg has forced
Me to continue research. And as I have then understood, knowingly.
The following bank with which I have communicated, - the central branch
Banque Internationale au Luxembourg in the street Wood Desh, 69. Me
Have connected to the employee of department on opening of personal bills Lorenom
Gretchem.
Mr. Gretch has taken an interest, who I, whence and as whom I work. I
Has responded whenever possible fairly.
- You call from Luxembourg?
- No, from Moscow.
- You have a possibility to arrive to Luxembourg? We not
We open bills by phone or in Russia.
- Yes, I just was going to to drop in to Luxembourg on affairs
My travel company.
- Perfectly. You wish to have what bill? And what sum
To place?
- The savings. And what the minimum sum necessary for
Bill opening?
- $2 thousand. Or its equivalent in any other currency. That
To open the bill, your passport and the inquiry from office will be necessary to me. In
To her, please, specify, what's your occupation. Well, and it is final,
Money.
- How to forward money?
- It doesn't matter. Please, a transfer from another
Bank or cash.
- And how about depositary rates?
- In your case the bank will give you of 5-10 %. 10 % - if you will not be
To use the bill within a year. 5 % - if you plan
Actively to work with your capital.
By the way speaking, in one other European bank percent on
To the savings contribution will not be above that I was offered by Mr.
Gretch from Banque Internationale au Luxembourg. Whether It is necessary to speak,
That I have tried to assure it of my most gentle friendship.
The individual depositary approach.
In general, the Luxembourg bank gives to each client
Individual rates under deposits. All depends on that,
How much respectably you look in the opinion of bank
The clerk.
That is why, having arrived to Luxembourg, it is necessary to stop in hotel not
More low "four stars". And in the top part of a city: it more
It is prestigious. And at all in "the bottom city" or nearby
Station (Luxembourg because of hills settles down on the different
Levels). However, the prices in hotels of the "top" and "bottom" city not
Differ - days in any Luxembourg "four-stars"
Hotel stand from $100 to $150 ("lux").
The first about what you will be asked by the bank clerk when you will come in
Bank to open the bill: in what hotel you have stopped? If hotel
Will be not prestigious, the bank will give the small rate on the depositary
To the contribution - no more than 4 % annual.
"Why?!" - the uninitiated client will be indignant. Yes because
The present gentleman or the lady do not stop in areas, where
It is possible to face with kriminalom or prostitution. And
"nedzhentlmeny" and "neledi" to bank as clients are uninteresting.
OLGA KAZAN.
//* an information Source: the Profile, 19.10.98
//* Reg. Nom. - 1081000326.29-------------------------------------------
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