In Russia today there are about 600 different banks. And, of course, the largest customer base is among those who occupy the top ranks of the rating. One of those is Rosselkhozbank. He is in sixth position. And, like any other self-respecting financial institution, it offers its customers deposits. In the "Agricultural Bank" people are offered good conditions and favorable rates. That's about them and it is worth telling more.
Interest Forward
This is the name of the first contribution that I would like to touch upon. You can open it either for 395 or 548 days. The minimum investment should be 3,000 rubles (the maximum amount is not limited). Interest paid is very interesting. Once for the entire invested amount - the day after the opening of the deposit. They are transferred to the account of a payment card opened in the same place at the Rosselkhozbank. But, of course, replenishment, expenditure operations and automatic prolongation are not provided for at this rate.
This is a new proposal, it was launched in early November of the current 2016. It is joint-stock, so people can open such deposits at Rosselkhozbank before 02/28/17.
Rates are as follows: for 395 days - 7.2% per annum, and for 548 - 7.4%. If a person makes a contribution of more than 50,000 rubles, then the Amur Tiger card is also issued for free. With a yield of 7% per annum, by the way.
Amur Tiger - card for deposit
This tariff is worth a little more. This card is owned by many people who have opened deposits in Rosselkhozbank. It is a debit one, it is a universal payment tool accepted worldwide (there is a variant of Visa and MasterCard).
Performing any operations with it, a person takes part in helping Amur tigers. As part of the income (0.7%) received from the owners of this card, the bank transfers to the Center for the Study and Conservation of the population of these animals.
This is a convenient thing. She can pay for mobile communications, Internet, utilities, shopping in stores online. And besides, a person receives an additional income of 7% per annum on the balance of funds. Here's another explanation for why opening deposits at Rosselkhozbank is profitable.
"Save for a dream"
This is another popular fare. Many people are interested in whether there are foreign currency deposits in the Agricultural Bank. Yes they are. Each contribution can be made in rubles, dollars and euros. “Save for a dream” is no exception.
It opens for 730 days. The minimum investment is 3,000 rubles (or 100 dollars / euros). The maximum is 10,000,000. This is 300,000 dollars and euros, respectively.
At this rate, a person will not be able to carry out expenditure operations. But then all the accumulated funds at the end of the term can be used as a down payment for a car or real estate. But only within the framework of such products as “Car loan” and “Mortgage lending”. The rate, by the way, is 7.4% per annum in rubles, 1.15% in dollars and 0.3% in euros. Here is an example of profit in Russian currency: having invested 1,000,000 at this rate, at the end of the term a person will receive 150,000 rubles as a payment of interest.
By the way, this bank’s mortgage product is profitable. You can take a loan of 20 million rubles for the purchase of an apartment or apartments (primary and secondary market), a residential building and a land plot. And the down payment, for which the above contribution is used, is small. For apartments, it is 20%.
Golden Premium
This is the last tariff, which should be noted by attention, talking about the "Agricultural Bank". Deposits of individuals here are a popular financial product, and Golden Premium is no exception. It is only better to request payment of interest at the end of the term when processing - so the rate will be higher.
The best offer for this tariff is received by people who want to invest more than 30 million rubles in Rosselkhozbank. Profitable deposits = large amounts. Opening it for 1460 days (4 years is the maximum period), a person will receive payments at a rate of 8.9% per annum. With thirty million profits will amount to 10,680,000 rubles.
For people who decide to invest from 10 to 30 million, the rate for the same period will be 8.85%. From 5 to 10 million - 8.8%. From 1,500,000 to 5,000,000 rubles - 8.65% per annum.
By the way, Golden Premium is available with interest capitalization. Ho then the possible maximum for 30 million and 1460 days is 7.65%. By the way, the maximum rate is not limited, which means that interest income for wealthy people is also limited. And, judging by the rating and the total assets of the bank (which is equal to 2.76 trillion rubles), many people trust it with their money. And this is the best proof of its reliability.