2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
In our time, every more or less we althy person who has some savings thinks: "Maybe open a deposit?" Raiffeisenbank is a financial institution that many people turn to for precisely this purpose. Now it is in 13th place among 600 Russian banks. And this is a solid rating, indicating its reliability. It is not surprising that many turn to this particular bank. But what rates can he offer his potential customers?
Favorable
The first step is to tell about this contribution. Raiffeisenbank positions it as the most popular. And, as you can understand, based on its name - the most profitable.
And the benefits are best demonstrated with a good example. Let's say a person has 1,000,000 rudders, and he wants to open a Profitable deposit for this amount. For a period of 24 months (maximum, by the way), with capitalization of interest. The rate will be 6.5% per annum. At the end of the term, a person will receive ~138,400 rubles of net profit as interest payments. It is also worth noting that this is a replenished deposit. And it’s more profitable to really draw it up with interest capitalization. Without it, at the end of the term, the profit will be less by 8,000 rubles.
Triple Benefit
It is necessary to tell about this contribution. In this case, Raiffeisenbank offers the following conditions: a period of 6 or 12 months, a minimum amount of 1,000,000 rubles (in three currencies), at least 50% of it must be rubles.
Yes, the highlight of this tariff is that the deposit is opened in three currencies at once - in rubles, euros and dollars. Hence the name. The maximum rates are 1% for euros, 2% for dollars and 5% for rubles. There is a function of monthly capitalization. This means that the income will grow every month, as interest will be added to the account.
What else do you need to know about this contribution? Raiffeisenbank offers two terms, as mentioned above. And a more profitable solution would be to deposit the amount for 366 days. Then the stakes will be maximum (they were listed above).
Personal Choice
This is another popular tariff offered by Raiffeisenbank. Deposits of individuals differ in conditions. And in this case, the advantage lies in the convenient payment of interest. They can be transferred to the client's current account or added to the deposit amount. It can be replenished, by the way, for any amount.
So, let's say a personinvests 1,000,000 for two years at this rate. The profit will be 120,000 rubles. The rate is 6% per annum. It is lower than in the case of other tariffs, since there are special conditions regarding interest payments. But, by the way, it is better to open a deposit for "Personal choice" for 12 months, and not for 24. Then the rate will be more attractive - 6.5%.
By the way, there is also the "Freedom of action" tariff, which implies the ability to withdraw part of the funds at any time without losing interest and replenish the deposit. But only in this case, the rate, when applying for a year, will be 5.5%. And this is 55,000 rubles of profit from a million.
Salary
Talking about what deposits are available in Raiffeisenbank for individuals, one cannot but note this tariff. He is very popular. Since for people who want to issue it, the opportunity is provided for partial withdrawal of funds (without loss of interest) and replenishment of the deposit. Interest is capitalized, and the rate increases if the amount of the deposit also increases.
If a person is interested in the "Salary" tariff, then he should know about the potential profit. If he invests 1,000,000 rubles, then at the end of the 12-month period he will receive ~ 63,800 rubles of profit. This is subject to capitalization. The rate is 6.2% per annum.
These are the most popular offers. There are also specific rates. For example, "Insurance", "Investment", "Premium", etc. But those deposits that were listed earlier are most in demand among individuals.
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