Whether we like it or not, banking services have surrounded everyone. Payments, payments, salary payments, transfers and much more are now carried out by banking institutions.
But at the same time, each of them has banks in the first place.associated entirely with other financial products. Deposits and loans are those banking services that have widespread distribution and demand. Each of us at least once in his life thought about opening his own savings account or buying goods on credit.
If you have a tidy sum of money and you want them to not just lay at home under the pillow, but bring you some kind of income, then sooner or later you will think about how to do it.
Also, if you have a low income, you cannot save on any expensive purchase, you will think about how to collect the necessary amount of money.
Banks will help keep savings
The solution for both the first and second cases may be different bank deposits.
After the global financial crisis, manytrust the banks, believing that they would be deceived. And this is not surprising - indeed at that time there were massive cases of bankruptcy of financial institutions, non-payment of deposits and other unpleasant events that limited or violated the rights of clients.
Deposits are safer
С тех пор банковские депозиты стали намного safer. At the legislative level, the requirements and control of the Central Bank to banking institutions have increased significantly. In addition, there is a continuous monitoring of the provision of funds for all loans issued by banks, so that there is no such situation as was observed at the time of the crisis, when loans were not returned and, accordingly, there were no funds to pay deposits according to customer requirements.
The deposit will not be able to earn
Immediately dispel the myth that bankingdeposits will make good money to their owners. The current interest rates on deposits are not at the level that really helps to make money on their money. This is possible only if the amount of the deposit is really large - but this option is not for everyone, even those who have an average income rarely have the opportunity to accumulate a sufficient amount of money.
In modern conditions, bank depositsrather, they are a way of keeping the accumulated money in a safe place, as well as a good way to cope with the depreciation of capital due to inflation. You shouldn't hope for more.
Types of deposits
Deposits in banks are represented in a wide range of different types. In each bank, deposits are named differently, but according to the basic principles, they can all be combined into 5-6 types.
There are as offers for legal entitiesand deposits of individuals. The requirements for enterprises and companies are higher, and interest rates are much lower, due to the fact that the amounts placed very often exceed 1 million rubles, and the term of such deposits is generally not more than 3 months.
Term bank deposits, interest on whichthe highest among all other species are the most popular. Such attention from customers is not surprising, because everyone wants to get as much revenue as possible. Sometimes high percentages can turn the head, and the person loses vigilance.
Planning what bank to place yourDeposit, do not forget that there are such institutions that may become bankrupt tomorrow. Typically, financial institutions in which things are not going very well, lure customers with high interest rates on deposits, which differ by several levels from the market average. Choosing the best option for placing your funds, ask what credit offers the bank has.
High interest rates on deposits may indicate a bad financial situation.
Для примера, если учреждение предлагает по deposits of 30% per annum and at the same time, under the terms of the loan programs, takes as a commission 35%, that is, a reason to think. After all, these 5% - this is actually the income of the bank. The smaller such gap, the less the bank earns, and hence the probability of its financial stability is less.
It is not necessary to respond to high percentages as the cartoon hero Roquefort from the cartoon “Chip and Dale”, who, sensing the smell of cheese, threw all his affairs and literally flew to its source.
Compare different offers on the market, findaverage and try to understand for yourself why one bank offers 20%, and another - 30%. For example, you can focus on deposits on deposits of Sberbank, which offers about 10% per annum.
Term deposits in banks can be with or without the right to replenish.
Most deposits without the right to replenishment calculatedfor the presence of a large amount of money from the client in order to deposit it once and enjoy the monthly or one-time interest payment. Recently, it has become a standard condition for opening a card account, to which the bank makes interest payments, which is beneficial for the bank and convenient for the deposit account holder if the cost of servicing such a card is zero or very small compared to the payable deposit fee.
You can collect on the dream
Deposit, which can be replenished, enjoypopular with those customers who can not immediately allocate from their budget a large unsolicited amount of funds. This can be explained by the fact that they literally help to gather up for some expensive purchase, a tourist ticket or something else expensive. Agree that you can set aside 100-500 rubles a month, refusing extra coffee, chewing gum, taxi rides. At the same time, postponing it this way throughout the year, you can collect the amount that is nice to spend in the store.
Отлично подойдёт и для тех, кто давно хотел go on a trip, but still could not postpone. With this type of investment, it is possible to implement such plans for people with almost any income level.
Deposits may be in different currencies.
It should be noted that deposits can be placednot only in national currency. Often, deposits in rubles have the highest interest rates, since it is more profitable for banks to work with the monetary unit of the Russian Federation, issuing loans in it.
Interest rates on deposits in US dollars andThe euro is much lower than for those that are open in Russian rubles. It is more profitable for banks to buy currency from the Central Bank, then selling it in their exchange offices.
Tips for choosing a bank
Considering the fact that interest rates ondeposit agreements of the same type in different banks are about the same, the most important question remains about guaranteeing a refund.
And the state can not always affect the bank.The main protective barrier against fraud is the person himself. Do not trust your funds to those financial institutions that are not widely known. Banks that are a year or two should not be particularly trusted either. During this period it is difficult to understand whether they are pursuing a successful policy or will soon “burst”, some time must pass. In this matter you should not hurry.
There are deposit insurance services that you can use if you want to secure your funds.
If you want to achieve almost 100% confidence inthat you return the money back, then simply divide the money you would like to deposit in one bank into several parts and open deposit accounts for smaller amounts, but in several banks. This solution guarantees you a refund of your funds, even if one bank goes bankrupt.
And remember that sentences that are strongdiffer from the average market conditions in the attractive side, are mainly the last breath or gamble of any bank, and invest in it your money is extremely unsafe.
