Interest on deposits in. Interest on deposits in a plus bank

Which bank to choose in 2014 in Moscow for investing funds? Where is the most high percent? Are short-term deposits profitable?

Due to the events of the end of 2014, the interest rates of banks indicated in the materials below, in some way, have lost their relevance. But, general principles selection of proposals for deposits remained unchanged.

Tinkoff Credit Systems (data as of December 2014) interest on deposits - up to 20% in rubles and 6-7% per annum in USD and EUR

The choice of one or another deposit in the city of Moscow is influenced by the wishes of the clients. The purpose of using the savings instrument is very important: accumulation or calculation. Of course, the choice in the center of Russia is greater than in the regions, for example, in Ufa, so the consumer is guided not only by high rates on deposits, but also on related bonuses. The more functionality of this or that deposit, the higher the rate is assigned by the bank. All contributions can be divided into the following groups:

• Savings - according to them, the bank prohibits the withdrawal and replenishment of the account balance;
• Accumulative - according to them, the bank allows only replenishing the account balance;
• Cash - their bank allows you to replenish and withdraw money from them.

What is the highest percentage of bank deposits in 2014? If you calculate the value of the rate based on the amount of funds invested, then a high percentage of the deposit is observed only in advertising offers. Short-term deposits do not allow you to make good money at all.

For ordinary residents Russian Federation bank deposits remain the only way to accumulate money. Everything here is accessible and understandable, no special knowledge of money account management is required. In this case choose better contributions with capitalization. The highest interest on the deposit in 2014 has deposits that are urgently replenished, do not have the ability to withdraw part of the savings, every month the interest is capitalized. The compound interest formula is applied here.

To give your money to the bank, you should first carefully study all the offers that are on the market in 2014 and calculate.

Russian standard

Russian Standard Bank has various offers, the most advantageous of which are:

• Winter's Tale - the calculation of income for such a deposit is 10.5%. Payment is carried out at the end of the term of the deposit. Russian Standard carries out registration from November 23, 2013 to January 31, 2014. During the term of the deposit, you can increase your savings. The placement period is extended automatically. The interest depends on the account balance.
• High percentage - income is equal to 9.25%. The term is calculated with an accuracy of one day. Russian Standard raises the rate with increasing savings.
• Rentier - the calculation of the deposit rate is 8.25%. Russian Standard makes permanent payments or capitalization. The compound interest formula is applied here. Income grows with additional investments. The client chooses the method by which the percentage is transferred: every quarter or every month.
• Pension Plus - the calculation of the highest profit on this deposit by Russian Standard is 9%. The storage period of the deposit is indicated with an accuracy of one day. The income grows with replenishment, the compound interest formula works. Interest is paid regularly, and there is also an opportunity to get a free bank card.
• Convenient - the amount of profit can be up to 8.75%. The deposit can be regularly replenished, you can withdraw part of the money from the deposit. The value of the minimum balance Russian Standard allows you to choose at the conclusion of the contract.
• Fabulous investment - available from October 4, 2013 to March 31, 2014. The profit calculation reaches 13.5%. Russian Standard places money simultaneously on a deposit and on a mutual fund. The amount of profitability is made up of the term, amount and share in the mutual fund.

Rosselkhozbank

Rosselkhozbank also works with individuals on deposits, among the offers in Rosselkhozbank for placing deposits are the following options:

• Classic - the interest grows with the increase in the term of the deposit, their value can reach up to 10.75%. The deposit cannot be replenished. Rosselkhozbank requires a minimum first investment of 3,000 rubles. Withdrawal is prohibited.
• Cumulative - the calculation of income increases in proportion to the term of the investment, it can go up to 8.4% per annum. You can replenish your account, you cannot withdraw partially. The largest deposit amount should not exceed 1,500,000 rubles.
• Managed - the calculation of profit increases with the growth of the investment period, its size can reach up to 7.1%. Savings Rosselkhozbank allows replenishment and withdrawal up to the minimum balance. The deposit limit is 1,500,000 rubles.
• Gold pension - the interest grows with the extension of the placement period, reaching 8.25%. The Rosselkhozbank allows replenishing the deposit, but not partially withdrawing money from it. The amount of investments is a maximum of 3,000,000. The formula for compound interest works.
• Pension Plus - the calculation of profit reaches 8.15% and depends on the investment period. Rosselkhozbank allows replenishment and withdrawal of part of the savings to the minimum balance. The size of investments should not exceed 3,000,000. The formula for compound interest works.
• Child - the profit can be maximum 9.15%, depending on the period of placement. The Rosselkhozbank allows to increase the savings on the account. The compound interest formula works. You cannot withdraw part of the money from the deposit. Maximum size investments - 5,000,000.
• Gold - the maximum yield is 10.75%. Rosselkhozbank prohibits replenishment and withdrawal of part of the savings. The amount of the deposit is unlimited.
• Platinum - Maximum yield 7.45%. Rosselkhozbank allows replenishment and withdrawal of funds from the account. The amount of investments should not exceed five times the amount of the initial placement.
• Managed plus - the maximum return on the deposit is 7.7%. You can replenish and withdraw. The amount of investments on this deposit in Rosselkhozbank should not exceed three times the amount of the initial placement.

For the last three deposits, Rosselkhozbank requires a minimum of 1,500,000 rubles.

Sberbank

Sberbank offers its clients a large number of deposits, among them there are:

• Savings certificate from Sberbank - allows you to receive a high income compared to conventional investments. The rate is maximum 9.3%. Sberbank requires a minimum first investment of 10,000 rubles, the term is 91 days.
• Save from Sberbank - allows you to receive maximum income... The profitability of the deposit is 7.76%. Sberbank requires a minimum first investment of 1,000 rubles. Investment term - 1 month.
• Top up from Sberbank - serves to create savings. Partial withdrawal from the account is prohibited, but replenishment is allowed. Sberbank sets a storage period of 3 months. The rate is 7.26%. Contribution from 1000 rubles.
• Manage from Sberbank - created to use part Money from the account without loss of income. Sberbank allows replenishment and withdrawal of funds from the account. Contribution from 30 000. Investment period - 3 months. The deposit rate is 6.68%.
• Give life from Sberbank - serves to help children with serious ailments. Replenishment from 10,000, storage period - 1 year, Sberbank gives a deposit rate of 6.56%.
• Multicurrency Sberbank of Russia - to receive income from speculation on currency pairs... Sberbank does not allow withdrawals. You can invest from 5 rubles. The storage period is 1 year, the rate is 6.21%.
• Savings account from Sberbank - created to be able to work with funds on the account. Sberbank allows you to withdraw and replenish an account, the rate is 2.3%.
• Profitable from Sberbank - the rate decreases over time. Up to one year of storage - 8%, after which it decreases to 3%. Contributions from 1000, term - 2 years.

Sberbank's network is the largest in Russia, so it is safest to keep savings in its accounts.

VTB 24

VTB 24 Bank offers next deposits for their clients:

• VTB 24 deposit The optimal choice - the placement period does not exceed 18 months. Top-ups VTB 24 accepts from 30,000. The rate calculation can be increased up to 9%. You can choose the method of payment of interest and the frequency. You can make additional investments and withdraw funds up to the level set by VTB 24.
• VTB 24 Deposit Maximum - the period for placing funds should not exceed 3 years. Payment minimum amount replenishment is equal to 250,000. Income can be equal to 7.25%. The interest is paid only at the end of the placement of the deposit. You cannot withdraw or replenish your account.
• VTB 24 deposit Freedom of choice - the deposit can be placed in euros. Accommodation period - up to 5 years. Top-ups from 15,000 rubles to 3,000 euros. Payment maximum rate- 6.8% in rubles, 1.30 in euros. Rate plus capitalization (compound interest formula) - 7.52 in rubles and 1.33 in euros.
• VTB 24 Active - the deposit can be placed in euros. The placement period cannot be more than 3 years. VTB 24 accepts top-ups from 15,000 rubles to 3,000 euros. The rate can be up to 6.3% in rubles and 1.15 in euros. Rate plus capitalization (compound interest formula) - 6.92% in rubles, 1.12% in euros.

Orientation in banking offers

If you calculate carefully, then from the proposals for deposits in different banks it is clear that the client should be guided by his goals, then he will find suitable conditions for himself. Short-term deposits do not always have low income, but most of them are low-profit.

Almost every day there are news from banks that deposit rates are going down. Despite this, deposits will remain the most popular instrument for saving and increasing the population's funds, as they are guaranteed by the state. The question arises: will the rate on deposits continue to decrease? And what does 2014 have in store for depositors?

Most bankers are confident that the decline in deposit rates in 2014 (at least in the first half) will continue. Experts explain the current trend by the fact that The Bank of Russia began to take an active part in regulating the maximum interest rate trying to limit its growth. If earlier his actions were limited to recommendations for market participants, then in the future they will take the form of instructions that are binding on banks. The landmark will be average rate deposits in TOP-10 banks of the country, some of which have already lowered their profitability levels.

Another reason for the decrease in the rate on deposits analyst Home Credit Bank Stanislav Duzhinsky sees in slowing down consumer lending ... According to the Bank of Russia, the increase in the loan portfolio of unsecured loans amounted to 37.3% in annual terms as of September 1, while a year ago this figure was 59.7%. As a result, banks are not so strongly interested in significant amounts of borrowed funds, since they must maintain a balance between the growth of their assets and liabilities.

Table 1 - Behavior of deposit rates in 2014

What about the laws?

As for innovations in legislation, as noted by the Managing Director LLC "Bank BCC-Moscow" Dilyara Ermakova, legislative changes have already affected deposits. So, in October The central bank received full right to regulate the profitability of deposits (letter from the Bank of Russia No. 172-T dated 09/04/2013). So far, the Central Bank has not exercised this right, but is monitoring the "problem banks", whose rates are more than 11%. Some banks have already received orders to reduce them to "recommended".

Besides, in September, the State Duma of the Russian Federation approved in the first reading a bill to increase the insured amount to 1 million rubles ... The second and third readings are still ahead, the nuances of this bill will be finalized. Most likely, says the director of the department of deposits and commission products "Renaissance Credit" Galina Utkina, we should expect the adoption of this bill next year, which will undoubtedly be a positive event for depositors.

However, this bill contains provisions on increased contributions to the insurance fund , so banks will have to pursue a more conservative fundraising policy individuals or raising funds is somewhat more expensive.

The introduction of a differentiated approach to deductions to the insurance fund, depending on the degree of risk, has been discussed for quite some time, the analyst said. Home Credit Bank Stanislav Duzhinsky. In other words, if the bank sets a higher interest on deposits, then it pays large amount contributions to the insurance fund ... Stanislav Duzhinsky considers this initiative logical, so, in his opinion, if one market participant adheres to a more risky business model, then it will be fair if he feels the greater burden of maintaining the stability of the entire banking system, in comparison with more conservative-minded colleagues. In terms of its mechanics, this approach is close to the car insurance system. If a driver behaves more risky on the road, has any incidents in his driving history, then for him the amount of insurance payments will be higher compared to a cautious driver.

Chief Accountant JSC CB "AGROPROMCREDIT" Svetlana Khmeleva explained that there is market expectations of changes in tax legislation in terms of taxation of income from deposits ... There is an understanding that the tax burden should be the same from different types assets, be it securities, real estate, deposits. tax code adjusted to bring taxation into equilibrium. Talk about change tax burden on income from deposits in 2014 is early, although in the future an equal burden on income received from different types of assets will most likely be enshrined in tax legislation.

Explaining the comment by Svetlana Khmeleva, it can be noted that back in September, the Group for the Creation of an International Financial Center (MFC) prepared amendments to the Tax Code and the Law on the Market valuable papers, increasing the attractiveness of investments in stocks and reducing the attractiveness of deposits ... So according to the innovation, tax incentives those depositors who keep their money on high-yield deposits will lose. According to the new project, income from deposits will be taxed, the rates for which more rate refinancing by 3 p.p. for ruble deposits and 7% per annum for foreign currency.

So, let's summarize. The rate on deposits until the end of 2013 and in the first half of 2014 is likely to continue to decline. However, the reliability of deposits will increase due to the increase in the amount of deposit insurance from 700 thousand rubles. up to 1 million rubles.

Throughout 2013, deposit rates have been steadily declining. The average rate at the end of 2013 was 8.4% per annum, which is close to official inflation... Question: "Do deposits provide at least some profitability at all?"

Answer: in 2014, the average rate will continue to decline, due to the limitation of consumer rates. According to experts, the fall will occur by 1 - 1.5%.

"As you recover banking sector From the events of December 2013, we will observe a continuation of the downward trend in rates. The rates are tied to the level of inflation, in the past year there was no decrease in inflation, nevertheless, there is every reason for this to happen next year. As the inflation rate falls, the refinancing rate and deposit rates will decrease ”, - comments Alexander Cherstvov, a member of the All-Russian Association of Entrepreneurs "Leaders Club". The banker also believes that by the end of next year rates may drop by 1.5-2%.

Stanislav Duzhinsky, an analyst at Home Credit Bank, explains that the decline in deposit rates in 2013 was caused by a reduction in lending to individuals. “As a result, banks, seeking to balance the growth of their assets and liabilities, reduced rates on deposits. Coming into force from next year new law"O consumer credit", Which provides for a limitation of the upper value of interest rates on loans, and also changes the procedure for calculating reserves and calculating capital adequacy for loan portfolios individuals, the growth rate of loan portfolios will continue to slow down. According to preliminary estimates, in 2014 it will amount to 15-20% against 28-29% expected at the end of 2013. This allows us to assume a continuation of the downward trend in interest rates on deposits in 2014 ", - emphasizes S. Duzhinsky.

“Most likely, at the beginning of 2014, rates will slowly decline, continuing the trend of the last year. It should be borne in mind that now banks do not seek to greatly increase deposit rates, even taking into account the pre-New Year rush, and offer less seasonal deposits... So even taking into account a slight seasonal increase in rates in March - May 2014, deposit rates will continue to decline "- says Maria Chetverikova, head of the insurance and passive products department of Otkritie Bank.

Pavel Sakadinski, director of the Moscow branch of KB Energotransbank, draws attention to three important points. First, the Central Bank takes part in regulating deposit rates. And he gives instructions that are binding. The main benchmark is the average deposit rate for the top 10 banks in the country, some of which have already lowered their yield levels.

Secondly, the rate of consumer lending slowed down, and deposit portfolios were invested in lending.

Thirdly, you need to remember about the state of liquidity in banking system... The overflow of deposits from small and medium-sized banks to state banks deprives the former of funds, and does not stimulate the latter to increase deposit rates. Therefore, the former will either raise rates, or at least not change, sacrificing overall profitability.

Each person is saving money for different purposes. However, many do not understand that keeping savings at home is not the best solution... Instead of generating income for their owner, they only lose their real value due to inflation. In addition, often people do not hold back and spend money. However, deposits in Moscow will help you not only save your finances, but also increase them in accordance with the agreement.

Today this product is a versatile investment tool. Unlike the stock market or precious metals you don't need special knowledge or constant analysis economic situation... You just find a suitable offer and sign a contract. At the same time, in most organizations there are no restrictions on the minimum contributions, and if they are, then they are small.

The contract itself is very important, therefore, before signing it, you need to familiarize yourself with the text personally. To do this, ask the bank employees for a sample in a printed or in electronic format and carefully read all points, especially those written in small print and marked with an asterisk. With the help of such tricks, unscrupulous organizations try to mislead a potential client and prescribe conditions that are unfavorable for him in the agreement.

Description of important points

The main advantage of the service, in addition to stable income, it is reliability. Consumer accounts are protected by the state at the legislative level through the program compulsory insurance... Therefore, in the event of liquidation or revocation of the license, you will be compensated. However, it is limited to 1.4 million rubles, which does not prevent you from dividing the amount exceeding this limit and placing it in several organizations, eliminating various risks.

The next aspect that we will look at is account types. The first one is urgent. In this case, you place funds for a certain period of time. Of course, you have the right to apply for an early withdrawal, but with a high probability the bank will refuse to pay the accrued interest. At the same time, this type of deposit is divided into savings and accumulative, which is provided for periodic replenishment (popularly called it a "piggy bank").

The second option - on demand - comes at a low rate. The thing is that it is unprofitable for an organization to keep finances at home, knowing that the owner has the right to demand their return at any time. Such a product is preferred by that category of customers who are satisfied with the fact of reliability, and they are not interested in potential profit.

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