Recently, many people go to financial institutions in order to learn about deposits for individuals. Sberbank is becoming the choice of many because of its rating and the large list of services provided. However, first things first.
Popular Choice
First you need to talk about the most famous contributions 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 an investment is 1,000 p. But you need to know that this contribution does not imply replenishment and the possibility of partial withdrawal of funds. The interest rate, depending on the term, varies from 4.6 to 6.23%.
The second popular choice of customers is the “Replenish” tariff. The rate in this case varies from 4.92 to 5.72%. However, the deposit can be made for a period of 3 months to 3 years. Partial withdrawal is also impossible, but regular replenishment of the account is available.
Comfortable conditions at a low percentage
This is also possible. Many people, studying profitable deposits for individuals at 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 comfortable for the client. Having issued this tariff, he 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 with a thousand rubles, ac 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, like in euros, is one thousand.
What is the profit from this deposit? This will help to calculate the calculator. Suppose a person has invested 100,000 rubles. Every 30 days he pays an additional 15,000. And on average he takes about 5,000 rubles a month. After a year, the total deposit amount will be 226 883 p. A net profit will be equal to 6,883 p. 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 contributions 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 drawn up for one year, you can not replenish it or withdraw funds. The minimum amount starts at 10,000 p. This is a unique offer, because every 3 months the organization transfers 0.3% of its profit from the contribution to a charity fund called “Give Life”.
From the minimum amount for the year, the profit will be only about 608 rubles. Ho, if you invest more, for example, 1,000,000 rubles, then you will be able to help out 60,840 rubles.
Online clearance
Nowadays, people are most interested in offers on opening deposits, which can be used without visiting the branch. Naturally, there are such deposits of Sberbank for individuals. Reviews allow you to make sure that they are the most convenient.
Ha the offer "New level" with a maximum rate of 7.2% is currently in force. Ho, it will be so high if a person invests an amount of 1 million p. For deposits from 10 to 500 thousand rubles, a rate of 6.6% is available. Ho is also the third option. For deposits from 500,000 to 1,000,000 rubles, a rate of 6.9% is proposed.
Now these deposits are very popular for individuals. Sberbank, however, warns that this offer will not last long. Until the last day of March 2017, inclusive, if specified.
Other options
It is worth noting the attention of the program with the speaking name "Savings Account". This is a currency contribution. In Sberbank for individuals who wanted to open a deposit in euros or dollars, before there were separate offers. Ho at the moment they are not. But the savings account can be opened not only in rubles, but also in euros and dollars. And for an unlimited period. And at any time, replenish it, withdraw funds. And the amount of investment, by the way, has no limits.
The rate for deposits in euros and dollars is 0.01% per annum. For ruble clients, 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 proposal can be considered savings certificates from Sberbank. These are such securities that are designed to increase financial assets. They are popular because the maximum rate can reach 8.45%. The minimum amount in this case is 10,000 p. Validity of the certificate can vary from 91 to 1,095 days.
Most of the benefits are people buying a certificate in the amount of 100 million rubles for a period of more than 180 days. The bottom line is impressive. Having invested such an amount for a maximum period, in the end 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 customers a lot of good options that will help increase their capital. They only need to decide in favor of which of them they are ready to make a choice.