In which bank is it more profitable to open a deposit: interest rates, conditions
When a person accumulates a certainthe amount of money, he thinks that it is more practical to store them not at home. And the idea comes to mind to open a deposit, and even at interest. Then the money will, as they say, work for its owner. The idea is not bad, but first you need to decide with the bank. Well, it's worth to briefly talk about the services of the most popular financial organizations in Russia.
Many people decide to open a deposit in the most reliableand a proven organization. In any case, this is considered to be Sberbank. Here, potential customers are waiting for several attractive offers. You can make a jubilee contribution called "Most Valuable". It is opened for 175 days. The rate is up to 8% per annum. As a gift to the client there is an insurance program.
There is also a deposit "Save". It can be opened for at least a month and a maximum of 3 years. The annual rate is up to 6.49%.
There are also deposits "Replenish", "Manage", "GiveLife "," Multicurrency "," International "and" Savings ". Here is the last one to be told in more detail, since it is the most popular, because it is unlimited, and still replenished, with unlimited withdrawal and any minimum amount. The rate can vary from 1.5 to 2.3%.
Let's say a person decided to open a deposit for a yearSberbank and immediately put on the account of a million rubles. Every month, he replenishes it for another 20,000 rubles. As a result, for the year he will accumulate 1 262 200 rubles, of which 22 209 - net income. However, with the same "Replace" earn more will turn out. After all, the rate is 6%. And with the same conditions, the final income will be 66,800 rubles.
Many people decide to open a deposit in this bank. Proposals are also enough. But the best is "Profitable" with a maximum rate of 8.55%. With an initial contribution of 1,000,000 rubles, the income will be a little less than 80,000 rubles. By the way, interest can either be left on the account of the deposit, or transferred to the card. This is how the customer wants. Even VTB-24 is good in that it provides automatic extension of the deposit and preferential terms for early termination.
But "Profitable" is bad because the account can not be replenished. Therefore, it is convenient for people with a solid income, which can open a large contribution. But "Comfortable" and "Accumulative" - replenishable tariffs. If you report monthly 20 thousand rubles, then at the end of the profit will be 62 and 78 thousand rubles, respectively.
This is another popular financial institution. Many decide to open a deposit in rubles right here. One of the most popular offers is the "Classic" tariff. The minimum amount for the deposit is 3,000 rubles. It is not replenishable, but the maximum rate is 8.55%. By the way, you can open a deposit for a period of 31 to 1460 days. If you make a deposit for the maximum period and make an amount of one million rubles, then the total profit will be a little less than 335,000 rubles. But this is for many a very long time. However, even if you make a deposit for 395 days, in the end, the profit will be 86,000.
Still popular is the tariff "Amurtiger "with a maximum stake of up to 8.1%. There are three terms - 395, 540 and 730 days. The minimum amount is 50,000 rubles. Interest is paid each month and at the end of the period is charged to the debit card issued to the customer after the deposit is made. It can pay for utility services, mobile communications, shopping in online stores. And another person, performing operations with this card, helps protect the unique Amur tigers. Part of the proceeds of the "Rosselkhozbank" transfers to the Center for the Study and Preservation of these rare animals.
It should be noted that this organization,telling about which bank to open the deposit most profitable. There are several proposals in the TNA. The "maximum" tariff offers a rate of 8.3% for a period of 3, 6, 9 and 12 months. The minimum amount is 30 000 rubles, replenishment and withdrawal is impossible. The "Accumulative" tariff rate is 7.6%, Pension Fund 7.4%, and Gibkoy 6.7%. There is also a savings account with a rate of 6.5%.
Well, you can, for example,potential profit. If a person invested a million rubles and every month replenished the account by 20 000, then by the end of the year on "Accumulative" he will meet 73 200 r. This is a net profit. In the case of the "Pension" the amount will be about 83 000. And according to the "Flexible" tariff at the end of the term it will be possible to gain 74 thousand rubles. "Maximal" is suitable for people with a large income, since replenishment in its case is not provided.
A certain part of Russians make a decisionto open a deposit at interest in this organization. Gazprombank has five offers. All of them relate to basic deposits. The first option is "Perspective" with a maximum rate of 8.2%. The term can be from 3 months to 3 years. Replenishment is not provided.
There is also the "Accumulative". The rate is less than 8%, but you can replenish the account, as in the case of the "Dynamic" tariff, the maximum rate of which is 7.9%, but a partial withdrawal is still available. Also there is a tariff "Rentier" (6.7%).
The most common option is "Accumulative". Having invested a million, at the end of the year it will be possible to gain about 74,000 rubles. But if you use the "Promising" tariff, opening the deposit for three years, then in the end you will be able to earn interest on the order of 210 000.
Finally, let's say a few words about this organization. Someone decides to open a deposit in Sberbank, while others are more impressed by Alfa.
The first offer is the "A +" tariff. The rate will be 7.3%. Having invested a million, at the end of the year it will be possible to gain about 75,000. A similar tariff is called "Victory". Only in this case the rate is 7.87%, and the final profit, respectively - about 79 thousand rubles. The contribution, incidentally, can be opened for a period of three months to 750 days.
Also there is a tariff "Life Line". The bank transfers a part of the income received from clients to the same fund, which forms a culture of charity in the society and financially helps children with serious illnesses. In addition to the above, customers are offered "Potential", "Premium" and "Premier" deposits.
In general, as can be seen, all banks havequite favorable terms. In any case, the person will receive profit, and how much it will be large depends on the amount of his contribution and the chosen tariff. Before you go to a financial institution, it is better to get acquainted with all popular offers and calculate the possible income from interest.