Today the popularity of bank deposits in times less than in Soviet times.Many citizens of the USSR had a passbook, which with each paycheck to save money for a car, a cooperative, coats, furniture, wedding or just for a "rainy day."In our time, bank deposits are mainly middle-aged and elderly (45 and above).Young people prefer credit cards for media storage.It is much more mobile than the contribution of the bank, since money is always on hand.And they multiply their money by investing free money in mutual funds, real estate or business.
But sometimes there are situations in life when you need to open a bank deposit in order to save money, for example, on vacation or on a child's education.And maybe for a while you need to save a large amount of money, but not at home (to the hand is not stretched).Before you go to the bank, you have to answer a few questions and identify the most profitable bank deposits for themselves.
- First, of course, choose a bank, but not the interest rate, which promises advertising, reliability and stability.Ask your adviser or participating bank in the state deposit insurance scheme.Under this program, contributions of up to 700,000 rubles are insured by the state.Questionable lending institutions that exist without, the week, but the promised sky-high interest rates, get round.Remember the free cheese in a mousetrap.
- Decide what purpose you pursue: only maintain or preserve and enhance.What is more important for you to receive income in the form of interest on the deposit, or simply hide the money from you?Bank deposit is divided into two types: demand and time.Demand - a contribution to which access is allowed at any time.Term deposit is opened for a certain time.The longer, the more income you will receive.Closing contribution early, you lose the opportunity to earn interest.But their sum you will still get it.Demand deposits are the minimum rates.Many banks are equated with such deposits, and bank account debit card.
- You must decide whether to add or withdraw funds, and maybe going to do both.From the ability to make such actions depends on the interest rate.The motionless bank deposit, the higher the income from it.Some banks offer deposits, which can be set irreducible limit, that is, to use the funds to a certain minimum balance.
- capitalization.This term means that interest is charged on interest, that is, if you open a deposit for a year, under the terms of the contribution offered quarterly capitalization.Thus, in the first quarter of accrued interest to the remainder of your deposit, and the second and subsequent quarters will be added to the interest on the deposit amount has ranked as before, plus interest.It is some small but profitable deposits, the income which can be obtained only at the end of the period.
- interest rate.For some - it is the main argument.But do not be seduced to loud advertising in 15%, and learn first deposit terms.Top bank deposits opened for a long time with a minimum of a few million.
All these conditions must be stated in the contract for the contribution that is made in the bank.Carefully read the document for the presence of various commissions.Some credit institutions having their internet banking offer online opening deposit by transferring funds from a bank card.
Knowing all these details, you will be able to choose for themselves the best bank deposit.
