2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Recently, many people go to financial institutions in order to find out about deposits for individuals. Sberbank is becoming the choice of many because of its rating and a large list of services provided. However, first things first.
Popular choice
First you need to tell about the most famous deposits for individuals. Sberbank offers the “Save” tariff, with which you can open a savings account for a period of 1 month to 3 years. This is available to everyone, because the minimum amount for investment is 1,000 p. But you need to know that this deposit does not imply replenishment and the possibility of partial withdrawals. The interest rate, depending on the term, varies from 4.6 to 6.23%.
The second popular choice of customers is the "Top up" tariff. The rate in this case varies from 4.92 to 5.72%. However, the deposit can be issued for a period of 3 months to 3 years. Partial withdrawals are also not possible, but regular deposits are available.
Comfortable conditions with a low interest rate
This is also possible. Many people, studying profitable deposits for individuals in Sberbank, make a choice in favor of the Manage tariff. The percentage is small, it varies from 4.62 to 5.41%, but the conditions are convenient for the client. He, having issued this tariff, can replenish the deposit and partially withdraw funds when necessary. You can open such a deposit for a period of 3 months to 3 years.
The minimum amount, unlike the tariffs mentioned above, does not start from a thousand rubles, but from 30,000. By the way, if a person is interested in a foreign currency deposit in Sberbank for individuals, then he can also opt for the "Manage" offer. Ho the minimum amount for a deposit in dollars, as well as in euros, is one thousand.
What is the profit from this deposit? This will help calculate the calculator. Suppose a person has invested 100,000 rubles. Every 30 days he deposits an additional 15,000. And on average, he withdraws about 5,000 rubles per month. A year later, the total amount of the contribution will be 226,883 p. A net profit will be equal to 6,883 rubles. By the way, under such conditions, the rate is 4.32% per annum.
Social offer
The “Give Life” tariff should also be noted with attention when talking about deposits for individuals. Sberbank offers to open a deposit with a rate of 6.08% per annum and at the same time help children suffering from hematological and oncological diseases.
The deposit is issued onone year, it cannot be replenished or withdrawn. The minimum amount starts from 10,000 rubles. This is a unique offer because every 3 months the organization donates 0.3% of its profits from the contribution to a charity called Give Life.
From the minimum amount for the year, the profit will be only about 608 rubles. But if you invest more, for example, 1,000,000 rubles, you will be able to earn 60,840 rubles.
Online checkout
In our time, people are most interested in offers to open deposits, which can be used without visiting a branch. Naturally, there are such Sberbank deposits for individuals. Reviews let you know they are the most comfortable.
Ha The "New Level" offer is currently valid with a maximum rate of 7.2%. Ho, it will be so high if a person invests an amount of 1,000,000 rubles. For deposits from 10 to 500 thousand rubles, a rate of 6.6% is available. But there is also a third option. For deposits from 500,000 to 1,000,000 rubles, a rate of 6.9% is offered.
Now these deposits for individuals are very popular. Sberbank, however, warns that the offer will not last long. Until the last day of March 2017 inclusive, to be specified.
Other options
It is also worth noting the program with the telling name "Savings Account". This is a currency deposit. Sberbank used to have separate offers for individuals who wanted to open a deposit in euros or dollars. Ho for nowmoment they are not. But a savings account can be opened not only in rubles, but also in euros and dollars. And for an indefinite period. And at any time to replenish it, withdraw funds. And the amount of investments, by the way, has no limits.
The rate for deposits in euros and dollars is 0.01% per annum. For ruble customers, it varies from 1.5 to 2.3% depending on the amount. The minimum rate is valid for deposits up to 30,000 p. Maximum - for amounts from 2,000,000 p.
Another interesting offer is savings certificates from Sberbank. These are securities that are designed to increase financial resources. They are popular as the maximum bet can be as high as 8.45%. The minimum amount in this case is 10,000 rubles. The validity of the certificate can vary from 91 to 1,095 days.
People who buy a certificate in the amount of 100 million rubles or more for a period of more than 180 days receive the most benefits. The bottom line is impressive. Having invested such an amount for the maximum period, as a result, you can get an income of 24,595,457 rubles. And if a person is ready to purchase a certificate for 100,000 p., then his profit will be 6,350 p.
Well, as you can see, Sberbank is ready to offer its clients a lot of good options that will help increase their capital. They just need to decide which one they are willing to choose.
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