deposits in banks can serve not only for the receipt of money on the account and withdraw them at any time.Some types of deposits allow to save a certain amount.This opportunity should be seriously considered as the inability to save money and keep them for their own purposes - is the problem of many Russians.
Savings Account - the so-called contribution allows to profit from the money in the account in the form of interest.
Species
There are savings accounts for different purposes: for the military in order to improve their living conditions (a state program to support certain categories of citizens) for legal persons (founders LLC, JSC) and individual entrepreneurs, which allows to save capital of the organization due to the revenues fromarrived.
In other cases, citizens are resolved to open a savings account to be saving for a "rainy day" or a serious purchase (a good alternative to loans for which the borrower has to pay a huge sum just for the opportunity to take the money from the bank).
bonuses from the bank
healthy competition among the banks not only allows you to get a good interest rate on the deposit, but also interesting suggestions.Depositors open all the new features and a nice bonus.For example, some banks are willing to date for the conditional fee to make deductions from your account when you receive funds on the other - savings account.
To perform these operations with deposits even easier and more convenient with the so-called "Bank on line".With access to the Internet, you can access your personal account on the official website of the bank where you open an account, and perform any operations with your money: open new deposits, transfer money to other accounts (including other banks andothers' contributions) ...
In addition, it is easy to know to what extent the income you get from a certain amount.To this end, the bank's website posted calculators savings.Enter calculator data fields, press the "Calculate" button, and get money in your account at the end of the period.So everyone can determine which bank and which is (name) contribution should open.
preferred embodiment
As for the high interest rates on deposit, it is necessary to remember the following.Serious, large and reliable banks are ready to offer a minimum rate on the deposit, but ensure safe storage of your money.This rate (typically 6%) is sufficient to obtain a guaranteed income.But small.Banks less, but with a little history of the development, offer fabulous (very rare) high rate - 12%.It is tempting, but dangerous.
Terms contribution
savings account in the bank - a modern, safe, cost-effective and convenient way to save money and save money.
But before you use such a tempting offer, should examine the terms of the deposit.Among the banks, they are significantly different.For example, in case of early withdrawal of money you can lose some of their (not only promised interest).Although there are proposals which allowed the extraction of money ahead of time without any loss.You should not rule it out completely: in life there are unpleasant surprises, and better prepare them.
also important to consider the possibility of making money in the account.Some banks do not allow such program conditions.And with that you can live if you are willing to put a decent amount of money at high interest rates.And if not, better to choose banks that allow to replenish the savings account.
are also important conditions such as the term of the deposit, currency.If you choose a longer period, it is best to transfer the money into foreign currency, and in many different ways and put on different accounts.So you will lose less on the course.Rubles are more suitable for the deposit with a maturity of one year.
With the right approach to the case, one can save a decent amount in a relatively short period of time.Some investors are happy to share their story: a savings account allowing someone to go to a long-awaited vacation, someone to make a major purchase, and someone to live for six months after a job loss.To open such a contribution is sometimes quite ridiculous amounts - 3 000 rubles.Makes you wonder? ..
