Sberbank often offers its depositorsseasonal projects on deposits. Here and this year the deposit "Happy interest" has appeared. Sberbank, whose reviews are basically only positive, each time offers investors more favorable terms and opens deposits for every taste and purse.
Features
Time goes by, but still the most profitable depositsSberbank of Russia offers. The deposit "Happy interest" can be issued for six months or 9 months. The deposit is opened exclusively in the national currency, and the minimum contribution must be at least 100 thousand rubles. Of course, not all have this amount, but the interest on the deposit is very good - up to 10%.
The contribution does not provide for either replenishment ora partial withdrawal, which justifies a high rate. But it is possible to prolong the contract at the end of the term provided by the contract on the same terms as that offered by Sberbank. Deposits of individuals "Happy interest" provide for the opening of savings books, to which people of the older generation are accustomed. The term of opening of the deposit is limited, therefore it is necessary for hikers to hurry.
Interest rates
Consider what interest on the deposit is offered by Sberbank. The interest rate on the "Happy interest" deposit will depend directly on the amount of the deposit and the term for which it opens.
Dividends are accrued at the end of the term.There is no capitalization, but with such interest rates and short terms it is not relevant. The accrued profit can be withdrawn by the depositor or transferred to the specified settlement account. If the individual wants to close the deposit ahead of schedule, the accrued dividends for the actual period will be calculated at the rate "on demand".
Timing | Amount (RUB) | Interest rates% |
6 months | from 100 to 500 thousand | 9,8 |
from 500 thousand | 10,0 | |
9 months | from 100 to 500 thousand | 9,9 |
from 500 thousand | 10,1 |
Documents and opening of the deposit
In order to open Sberbank of Russia deposit "Happy interest", you must provide the following package of documents:
- the passport of the Russian Federation;
- application for opening a deposit;
- individual taxpayer number;
- for individuals who are not residents of the Russian Federation, you need to submit a document confirming the legal origin of the funds invested.
At its discretion, the bank may requestadditional documents. If all the terms of the depositor's deposit are satisfied, then there are several options how to open the deposit "Happy interest". Sberbank, whose reviews speak of its good reputation, offers either to visit any convenient office, or use the Sberbank-online service.
To open a deposit in the bank's office, you need:
- Choose any convenient office.
- Ask the manager to familiarize with the restoffers, as well as more details about the service "Happy interest" (sometimes on the Internet, even on official websites, not all information can be posted).
- If in the conditions of registration of the deposit everything is clear, and there are no additional questions, you can give documents for registration.
- Provide a passport and other identity documents (at the request of the bank).
- Write an application for the opening of the deposit.
- Read the terms of the contract and sign it.
- Make money.
- Wait for profit.
If the depositor has any card of the Savings Bank, thenyou can try to remotely open the "Happy interest" deposit. Sberbank, whose reviews it is better to read before the transaction, offers to use Internet banking Sberbank-online. There is nothing complicated, just follow the prompts of the service itself. It's enough just to go to the "Deposits and accounts" tab and after a few clicks of the buttons to deposit the required amount into the account.
Insurance
In Sberbank, as in any other financial institution, there is a system deposit insurance. Thanks to it, the bank can reimburse the entire amount,On deposit in case of force majeure circumstances. According to the rules, a financial institution can not pay more than 700 thousand rubles at a time. But those investors who have more than this amount on deposits need not worry. Simply cash is paid in installments.
Thanks to the deposit insurance service, you canto insure and the "Happy interest" deposit (Sberbank). Reviews on this contribution can be read on the official website of the bank, as well as on third-party resources. The most interesting thing is that you do not have to pay for deposit insurance. The bank itself pays for this service. In case of bankruptcy, withdrawal of a license or a moratorium on further work, the organization must pay up to 100% of the invested funds. In addition, this and other contributions of Sberbank can be transferred by inheritance.
In essence, deposits are one of thecomponents of the existence of banks. The money that depositors leave in the bank, the financial organization puts into circulation. Accordingly, for this interest is paid. And the higher the deposit amount, the higher the interest rate on the deposit. That is why both Sberbank and other banks take care of the security of deposits.
Reviews
According to the depositors of Sberbank, the deposit"Happy interest" turned out to be very profitable and profitable. Despite the fact that the minimum contribution is 100 thousand rubles (not everyone has this amount, especially for the deposit), many decided to open a deposit with such terms. If you look at it objectively, then a good contribution and a percentage will be charged decent. Thanks to the appearance of such a contribution, the customers of the bank note that their money brings real income. In addition, you do not need to worry about the safety of your savings, because Sberbank has already thought about everything.
