Bank deposit policy

Bank deposit policy

Contribution - is money that you give to the bank for the purpose of earning income. A bank deposit is one of the most reliable instruments of protection, savings and accumulation.



What is the rate on the deposit? This income, expressed as a percentage per year, which is calculated on the deposit amount. Banks motivate clients to place their funds in the long term: what it is, the higher the interest rate offered by the financial institution.

You can open any of the deposits: Rublyovy, foreign exchange, multicurrency, refillable, with capitalization, and so on. However, keep in mind that the more options provided input, the lower the interest rate on it.

Bank deposit policy in Russia

The yield on ruble deposits are always higher than on savings in dollars or euros. However, if you occasionally need foreign money, or you want to strategically protect their savings in the years ahead, it is recommended to open multi-currency deposits - because the risks will be distributed, and a decrease of one type of currency will be offset by growth in the other.

Of particular benefit can be obtained from seasonal deposits - deposits that are offered to the opening of the holiday season or at certain times of the year - as a rule, the rates on them are the maximum.

Contribution to easily and quickly be made in any branch of the bank. This requires only one document - the passport of the citizen of the Russian Federation. Banks in the country very much, and offers even more. To find profitable ones - use the calculator deposit, which contains relevant information about the products of 400 banks.

The money from the deposit, you can fully or partially picked up at any time. Just do not forget that in some cases it is assumed less income. If you do not want to lose in profitability, the initially place money on deposit with the possibility of a partial withdrawal.

All contributions to 1.4 million rubles. They are insured by the state. This means that the bank's reliability is not a criterion of its choice. Pay attention to the interest rate, ie the amount of income that will be able to get from the bank. If your savings exceed 1.4 million rubles., They can be put in several banks.