What percentage can be obtained from deposits in banks
What percentage can be obtained from deposits in banks
Interest on a bank deposit depends on the profitability that the depositor will receive. Their size depends on the selected bank and a number of factors - currency, amount, timing and type of deposit.
You will need
- Description of bank deposit programs.
Instructions
1
Interest rates on ruble deposits today onorder is higher than for foreign currency. According to the Central Bank of Russia, the average rate on deposits for individuals in May 2014 was 7.85% with terms from one to three years). On dollar deposits with similar conditions it is equal to 2.94%, for deposits in euros - 2.81%. Thus, the difference in interest rates exceeds 5% in favor of ruble deposits.
2
Interest rates also vary significantly forDemand deposits and time deposits. In the first case, money can be withdrawn at any convenient time, with interest on them minimal. In May 2014, they were 1.1% per year. On time deposits, interest depends on the term of placement of money. The longer it is, the higher the yield is provided. For deposits up to 30 days, the average rate is 5.48%, up to 180 days - 5.79%, up to a year - 6.06%.
3
Interest that can be obtained from bankingDeposits depend on the operations that can be carried out with cash. The largest percentages are set for savings deposits, for which partial withdrawal and replenishment of the account is prohibited. For example, for the "Profitable" deposit from Gazstroibank, the annual interest is 9.9%, for Vostochny deposit from East Express Bank - 9.45%, for the "Basic Income" program from "Otkrytie" bank, the rate is 9.02%. In the largest Russian banks, the rate for such deposits is lower - 8.9% in Alfa Bank for the Pobeda deposit, from 8.45% in Rosselkhozbank, from 5.9% in Sberbank.
4
The lower the rates are the accumulativeDeposits that enable you to deposit money into your account during the deposit period. So, according to the Premier's contribution from Alfa-Bank, the rate is 7.8%, for the deposit "Special" from VTB 24 - 6.7%, for the deposit "Recharge" from Sberbank - from 5.6%.
5
Estimated deposits are even lowerrates. Among them, we distinguish consumable-replenished and expendable. You can withdraw money only within the minimum balance. According to the "Potential" deposit from Alfa-Bank, the rate is 6.8%, for the "Active" deposit from VTB24 - 6.2%, "Manage" from Sberbank of Russia - 5%.
6
As a rule, more favorable interest ratesbanks offer for deposits open online. So, in Sberbank for them is added 0.5 percentage points. to the basic interest rate, Rosselkhozbank - 0.2 pp. Also, higher rates are offered for large deposits. For example, in Alfa Bank, the difference between deposits is up to 250 thousand rubles. and over 3 million rubles. is 0.4%, in the Savings Bank between deposits up to 100 thousand rubles. and more than 2 million rubles. - 0.6 percentage points.
