Rates on bank deposits continue to grow following the forecasts of experts made at the beginning of the year. Seasonal decline in investor activity for financial market led to an increase in the profitability of deposits by banks to attract new private depositors. In the second half of the year, one third of the largest credit institutions raised their rates on deposits. We have already written about and. In addition to them, today a dozen Moscow banks offer savings programs at 12 percent or more. Let's take a closer look at some of them.
"Maximum" contribution of Rosinterbank
Rosinterbank will help to fill the piggy bank of private individuals' savings with a significant coin. Even a modest amount will grow by 12.1% annually.
Some clients start saving from 10 thousand rubles, others make a decision that they do not regret at all and contribute the maximum possible amount of 10 million rubles to the "Maximum" deposit. For three years, the deposit can be replenished more than once with additional contributions from 3 thousand rubles, which will make it even more profitable.
But even without additional contributions, client funds grow by a significant amount. And this happens not quarterly, as in other banks, but monthly.
The deposit does not have an expense in installments, but you can terminate the contract ahead of schedule. If this happens one year after opening the account, then the accrued interest rate will remain half. If earlier than in 366 days, then the client's savings will increase with interest at the rate of the "On Demand" deposit.
It is convenient to control the state of the account using the Internet bank. The system allows you to transfer funds from another account with an additional contribution, easily and quickly get up-to-date information on the movement of funds during capitalization and interest accrual.
The Lucky Depositor program provides free clearance debit plastic card. MasterCard Gold as a gift to customers who signed an agreement from 700 thousand rubles. A depositor with a smaller amount receives a MasterCard Standard.
Rosinterbank has 27 offices in the Moscow region. And he is constantly expanding his retail network for the convenience of his customers. For two decades professional work the bank has earned the right to be among the leaders in banking.
"Loyal deposit" of the Moscow Credit Bank
Everyone who remains faithful to their bank is dedicated to the Loyalny deposit. - a rare event. But regular customers have this opportunity since August this year.
Everyone who is ready to open a deposit for more than 370 days will receive 12% per annum. The deposit product is interesting in that the minimum amount is only 1,000 rubles. The upper limit is limited to ten million rubles. It is allowed to replenish the deposit up to this amount at any time, and with a contribution of any size. At the end of the term, it can be extended for the same, but the prolongation is provided for no more than two times.
Interest is accrued monthly and is capitalized or transferred to plastic card, at the discretion of the owner. In the second case, the client has the opportunity to use the accumulated funds on a monthly basis. Interest will also be paid in case of early termination of the transaction. If more than 185 days have passed since the signing of the deposit agreement, then you can count on half of the originally agreed rate.
Many customers prefer to manage their account remotely using electronic system"MKB Online", which helps to choose any other bank product and link it to a plastic card. When opening a deposit, you do not need to carry cash rubles. The required amount is transferred from bank account non-cash way. Wealthy clients with a deposit of more than 3 million rubles are issued a platinum or gold card of one of the payment systems Visa or MasterCard.
The almost impossible combination of 1 year, 1 thousand and 12% is beyond the usual offers of other banks. But Moscow Credit has a loyal attitude towards those who have already entrusted their money to the bank. Those who have had no more than six months since the last deposit was closed can also count on a deposit with increased profitability.
It remains to add that this year the Bank celebrates its 20th anniversary. The network of its divisions consists of more than 70 offices in the Moscow region.
"Profitable" deposit of the Russian Land Bank
The leader in increasing the savings of customers, of course, is the “Profitable” deposit of the Russian Land Bank. To rise to an unattainable height and offer its depositors 14% per annum has allowed its fairly long-term stable financial position in the banking services market.
5 million rubles (this is the minimum deposit amount for a rate of 14%) will increase over the year by 745,927 rubles. More modest investments will also have effective returns: 12% for amounts from 100 thousand to 700 thousand rubles. and 13% for amounts from 700 thousand to 5 million rubles. You can choose a personal term for keeping money on deposit: one or two years without the possibility of its automatic renewal. The maximum deposit amount is not limited.
The account can be replenished at any time and with any amount from 10 thousand rubles, but no later than one month before the end of the term. The increase in savings is also due to the capitalization of interest. If due to additional contributions or accruals during capitalization total amount deposit exceeds the thresholds of 700 thousand and 5 million rubles, then the interest rate will be automatically increased to 13 and 14 percent, respectively. Under certain conditions of capitalization, the effective interest rate can increase up to 14.76%!
It is possible (except for capitalization) to withdraw monthly accrued interest in cash or transfer it to another account of the depositor. The client himself chooses one of three ways of paying interest.
Owners cannot use individual parts of the deposit, but there is an option to withdraw the entire amount of the agreement together with accrued interest. In this case, the rate will be reduced by half.
CB Russian Land Bank employs true professionals who are not indifferent to their work, which allows it to pursue a policy of trusting, long-term and effective relationships with its clients for many years.
“Chocolate” deposit of Ogni Moskvy Bank
The bank offers conditions as sweet as fine Swiss chocolate to its depositors. You can accumulate funds and increase your savings here at a rate higher than in a real Swiss bank. This deposit is not available for legal entities. Both wealthy and more modest individuals are attracted by the impressive rate of 12%.
To conclude an agreement, it is enough to have 5,000 rubles. free Money and an identity document. The contract is concluded for one, two or three years. Each term has its own yield. Prolongation of the deposit is not provided, but it is possible to sign a new deposit agreement. Additional contributions from 3,000 rubles are welcome, which are not accepted only during the last month before the end of the term.
It is permissible to withdraw funds in parts three months after the first deposit of money, while maintaining a minimum balance. The irreducible amount of the deposit will change during the entire period. It depends on the initial amount and all additional contributions. Makes no more than half of all contributions from the date of signing the contract, but should not be less than 5,000 rubles, i.e. minimum deposit amount.
Interest is calculated quarterly and is offered in three ways. At the choice of the client, the accrued income is transferred to a current account or a plastic card issued by the bank. If there is no need to immediately use these funds, then it is recommended to capitalize them, i.e. to increase the same contribution by them.
If the client wishes, he can withdraw the deposit amount before the end of the period specified in the contract. In this case, interest will also be charged, but at a different rate.
In addition to rubles, you can put euros and dollars on the Chocolate Deposit, but this will be a different agreement with different conditions. The ruble three-year deposit has the most big bet 12 percent.
The client-oriented bank Ogni Moskvy is soon celebrating its 20th anniversary. During this time, it has established itself as a diversified and high-tech financial institution.
22.06.2017 0
Today, banks offer many services to the population, the most popular of which are lending and depositing. The policy regarding loans and deposits is largely controlled by the Central Bank of the Russian Federation, as well as Russian legislative acts. However, banks have the right to provide loans and place deposits on certain conditions, if this does not contradict the law.
According to statistics, every 10th Russian is a client of this or that bank. That is why the question of how the annual interest on a loan or bank deposit is calculated is so important. In most cases, interest refers to the size of the bet. The total amount of overpayment on the loan, as well as the amount of the monthly payment, depends on the rate.
First of all, consider bank deposits. The conditions are specified in the contract at the time of opening a deposit account. Interest is charged on the deposited amount. This is a monetary reward that the bank pays to the depositor for the use of his money.
The Civil Code of the Russian Federation provides for the possibility of citizens to withdraw a deposit at any time, along with accrued interest.
All the nuances, conditions and requirements for the deposit are reflected in the agreement between the bank and the depositor. The calculation of annual interest is carried out in two ways:
Today, the demand for loans is huge, but the popularity of one or another loan product depends on annual interest rate. In turn, the amount of the monthly payment depends on the interest rate.
When considering the issue of calculating interest on a loan, it is necessary to familiarize yourself with the basic definitions and features of lending in Russian banking institutions.
The annual interest rate is the amount of money that the borrower agrees to pay at the end of the year. However, interest is usually calculated on a monthly or daily basis for short-term loans.
No matter how attractive the interest rate on a loan looks, it should be understood that loans are never issued free of charge. It does not matter what type of loan is taken: a mortgage, a consumer loan or a car loan, the bank will still be paid an amount more than they took. To calculate the amount of monthly payments, it is necessary to divide the annual rate by 12. In some cases, the lender sets a daily interest rate.
Example: a loan is taken at 20% per annum. How much interest from the body of the loan is required to pay daily? We believe: 20% : 365 = 0,054% .
Before signing loan agreement it is recommended to carefully analyze your financial situation, as well as make a forecast for the future. Today the average rate in Russian banks is approximately 14%, so the overpayment on the loan and monthly payments can be quite large. If the borrower is unable to repay the debt, this will lead to the imposition of penalties, lawsuits and loss of property.
It is also worth knowing that interest rates may vary depending on their condition.:
Having become familiar with the basic concepts, you can proceed to the calculation of the interest rate on a loan. For this you need:
For calculation annual rate you need to multiply 1% by 12 months: 1 x 12 = 12% per annum. 
Mortgage loans are calculated much more difficult, because include many variables. For a correct calculation, the loan amount and interest rate will not be enough. It is better to use a calculator that will help you calculate the approximate rate and amount of monthly mortgage payments.
For a detailed determination of the annual interest on the loan, the distribution of the balance of the loan body by month and year, as well as displaying information in the form of a graph or table, you can use the online calculator for calculating
A loan at 12 percent per annum in 2020 can be obtained in cash or on a card. Some Russian banks offer to issue it without certificates, but this will significantly reduce the amount of the payment.
You can apply for a loan at 12% per annum using the promotional programs of banks. There are also standard offers for reliable customers. They involve the use of collateral, the involvement of guarantors. There are discounted rate options for:
Pensioners, young families, large couples can apply for a consumer loan at 12 percent per annum.
You can get money for up to 240 months. The amount to be issued is up to 30,000,000 rubles. The minimum you can take on average from 7.9 rubles. Banks that enable loan offer at this rate:
To find out how much to pay per month, what is the size of the total overpayment, use the loan calculator. When calculating, average indicators are used, as well as a package of documents provided. Some services support the ability to take into account the form of monthly payments.
In order to use the calculator, you must specify the maximum number of parameters. This will provide you with the most accurate information. You will find out the exact numbers only after the approval of the application, since banks often calculate individually, taking into account the scoring score.
On our site you can quickly get the amount you need. For this you should:
By placing their own savings on deposit, each depositor expects to receive maximum income from investments. Interest rates on deposits are determined by the policy pursued by each credit institution, so they are completely different. The maximum interest is charged on deposits with strict conditions that cannot be withdrawn or replenished during the term of the contract.
Along with the general decrease in interest rates on loans, the interest rates of banks on borrowed funds are decreasing. Is it possible to open a deposit at 12% per annum today? What offers do banks and other financial companies have? How can you place funds to get an income of 12% per annum?
Each financial company has its own programs for raising funds in deposits. The return on investment depends on many factors:
A deposit of 12 percent per annum is not possible today. The maximum interest rates are up to 8–9% per annum:
| Bank | Bid | Deposit terms |
| Bank Renaissance Credit | Up to 8.5% per annum | The maximum interest on deposits from 100 thousand rubles, with interest paid at the end of the term. |
| Bank FC Otkritie | Up to 7.7% per annum | The maximum interest on deposits from 50 thousand rubles, with interest paid at the end of the term. |
| Moscow credit bank | Up to 8% per annum | The amount of investments from 1 thousand rubles. up to 10 million rubles, without the possibility of withdrawal and replenishment, interest accrual at the end of the term. |
| UBRD | Up to 8.55% per annum | Deposit for clients who do not have bank deposits. Amount up to 10 million rubles. The maximum interest rate is provided when connecting a paid additional package of services. |
| VTB 24 | Up to 10% per annum | "Seasonal" deposit (promotion). 10% per annum is paid for the first two months, then the rate is reduced and at the end of the term is 5% per annum. The amount of the deposit is from 30 thousand rubles, the term is 7 months. |
| Gazprombank | Up to 8.9% per annum | The rate is valid for deposits in the amount of 1 million rubles, minimum term 3 months. |
Many banks reduce the effective interest rate on deposits, offering to connect additional options to the deposit: partial replenishment, partial withdrawal, capitalization of interest, the possibility of managing a deposit, etc. They are paid.
Benefits of investing in bank deposits:
Investors who wish to place their own funds with a yield of 12% per annum and above have such an opportunity, but it is associated with increased risks. Ways of placing funds at 12% per annum and above:
Mutual funds are a popular way to invest. There are many mutual funds operating today, many of which are subsidiaries. credit organizations. The mechanism of investment is simple: investors place funds in unit trust, and the specialists who manage the mutual funds invest them in various operations. If the market situation is favorable, the funds will be placed wisely, and the unit holders will receive a good income. These investments have a number of features:
How does a PIF work?
Examples of mutual funds from banks:
A new type of investment of funds are investments in microfinance companies. The process of investing is similar to investing in other financial companies: an agreement is concluded on investing funds on certain conditions. The investor transfers money to the company or buys bonds, it provides loans. The minimum investment threshold for individuals is set by law at 1.5 million rubles. Legal entities can invest from 100 thousand rubles. The profitability of the transaction depends on the term and amount of the placement, as well as on the degree of risk of operations conducted by the MFO.
Of course, you can reduce the risk of investments. For this you need:
Investing in MFIs is easy. This can be done directly through the websites of companies by registering in personal account; in some companies it is necessary to visit the office. All MFIs offer several investment programs, so the client will be able to choose the most suitable conditions for himself. When investing money for the first time, short-term programs are chosen, since they have less risks.
Companies' websites offer online calculators on which you can calculate the preliminary profitability of a transaction. Before signing the contract, you must carefully read its terms, the possibility of early termination, guaranteed profitability, availability of insurance, etc. Examples of reliable companies that offer good interest return on investment:
| Name | Profitability, per annum | Terms |
| Home Money | 21% | Interest is accrued monthly, quarterly or at the end of the contract term. The yield depends on the investment currency, term and method of interest accrual. |
| Money Man | 14-17% | The company has a high reliability rating and is a member of the Board of SRO MiR. Interest is accrued monthly, the yield depends on the term of the investment, the maximum yield on investments is for 2 years. |
| fast money | Up to 16% | The company has the highest reliability rating of A++, it is in the TOP-5 largest MFIs, so investing in it has the least risk. Interest is calculated monthly or at the end of the term. |
| Loan Center | Up to 30% | The company offers maximum profitability with moderate investment risks. Interest is calculated monthly or at the end of the term. The maximum investment period is 52 months, the minimum is 6 months. Early withdrawal of funds is not provided. |
For the long term, you can buy securities of profitable companies: stocks, bonds, eurobonds. As the value of the security rises, the income of the depositor increases. However, no one gives a guarantee of growth, when deciding to buy securities, the client assumes everything possible risks deals.
Only a specialist can independently make a choice of which securities to purchase, therefore it is unprofitable to carry out a transaction directly. To increase the likelihood of making good profits, brokerage companies are involved.
Popular brokerage companies:
| Company name | Annual return | Investment conditions |
| BCS Premier | Up to 21% | The minimum term is 3 months, the contract provides for an increase in the interest rate with an increase in the dollar. Funds are invested in investing the best ideas: investments in construction, in the largest trading companies, Norilsk Nickel. |
| "Opening" | From 16.2% | Provides a full spectrum investment services. The minimum investment amount is 100 thousand rubles, withdrawal of funds is possible at any time. The maximum amount of interest is calculated when leverage is used. |
| JSC "Finam" | Up to 17% | The company's product "Investment basket with capital protection" guarantees full protection of investments from loss. The minimum threshold is 50 thousand rubles, the profitability consists of two parts: guaranteed (will be paid in any case), variable (the value depends on the profitability of investments). |
| IC Freedom Finance | Up to 22% | The company has an A reliability rating. Investment is carried out according to the principle of "Reasonable investment". |
Purchase advantage valuable papers is high level profitability in the long term. Profitability will depend on the volume of investments and the profitability of the transaction in which the funds are invested. Buying a controlling stake in a profitable company provides additional opportunity manage it, influence its development.
Participation in transactions brokerage companies reduces the profitability of the transaction. The cost of broker services is % of the trade volume. However, the participation of a professional in the operation significantly reduces the risk of the transaction, and increases the possibility of obtaining maximum income.
All ways of investing money have their advantages and disadvantages. negative sides. There is no 100% option to get a high profit from a trade without risking anything. Before deciding on the method of investing money to receive an income of 12% per annum and above, it is necessary to analyze all the pros and cons of the chosen option.
Comparative table of profitability of investments in various ways:
| Index | Bank deposit | Investments in mutual funds | Investments in MFIs | Purchase of the Central Bank |
| Level of risk | Minimum | Average, depending on the mutual fund | Maximum | High, medium, depending on investment |
| Income | Up to 8.5% per annum | Up to 25-30% of investments per year | Up to 30% per year | Up to 21% per year |
| Investment insurance | Yes | Not | Optional | Not |
| Possibility of early termination of the contract | There is | Only if stipulated by the terms of the contract | Only if stipulated by the terms of the contract | |
| Taxation | Not | personal income tax | personal income tax | personal income tax |
| Minimum amount restrictions | Depending on the terms of the contract, there is often no minimum threshold. | May be | At least 1.5 million rubles. (for individuals) | individually |
| Probability of being scammed | Low | Medium | High | High |
Thus, in terms of the ratio of profitability/risk, investments in mutual funds and MFOs are the most acceptable. They provide an opportunity to receive income from the transaction with moderate risk. It is realistic to get an income from investments in the amount of 12% per annum, you just need to choose the right investment program.
Greetings! I am sure that I do not have to know and be able to do everything in the world. Yes, this is impossible in principle. But in the most important areas for a person, it is worth navigating at least at the level of a “teapot”.
I include work, business, family, health and, of course, money as vital areas. What am I leading to? To the fact that any investment requires. Even if it's banal bank deposit or a business development loan.
To be honest, I have not done such calculations manually for a very long time. What for? After all, there are a lot of convenient applications and online calculators. As a last resort, a “fail-safe” Excel spreadsheet will help out.
But it doesn’t hurt to know the elementary formulas for basic calculations! Agree, interest on deposits or loans can definitely be attributed to the "basic".
Below we will recall school algebra. It must come in handy somewhere in life.
Let me remind you that interest on a bank deposit can be simple and complex.
In the first case, the bank accrues income on the initial amount of the deposit. That is, every month / quarter / year the depositor receives the same “bonus” from the bank.
Of course, the calculation formulas for simple and compound interest differ from each other.
Let's consider them on a specific example.
Example. Valera opened a deposit in the amount of 20,000 rubles at 9% per annum for one year.
Calculate the return on investment for a year, a month, a week and one day.
The amount of interest for the year \u003d (20,000 * 9 * 365) / (365 * 100) \u003d 1800 rubles
It is clear that in our example, the annual yield could be calculated much easier: 20,000 * 0.09. And as a result, get the same 1800 rubles. But since we decided to count according to the formula, then we will count according to it. The main thing is to understand the logic.
The amount of interest for the month (June) \u003d (20,000 * 9 * 30) / (365 * 100) \u003d 148 rubles
The amount of interest for the week \u003d (20,000 * 9 * 7) / (365 * 100) \u003d 34.5 rubles
The amount of interest per day = (20,000 * 9 * 1) / (365 * 100) = 5 rubles
Agree, the formula of simple interest is elementary. It allows you to calculate the return on the deposit for any number of days.
We complicate the example. The formula for calculating compound interest is a little more “tricky” than in the previous version. The calculator must have a "degree" function. Alternatively, you can use the degree option in an Excel spreadsheet.
Let's go back to our example. Valera posted on bank deposit the same 20,000 rubles at 9% per annum. But this time - .
First, let's calculate the rate for the capitalization period. According to the terms of the deposit, interest is accrued and "plus" to the deposit once a month. This means that we have 30 days in the capitalization period.
Thus, the rate for the capitalization period = (9*30)/(365*100) = 0.0074%
And now we consider how much our contribution will bring in the form of interest for different periods.
The amount of interest for the year \u003d 20,000 * (1 + 0.0074) 12 - 20,000 \u003d 1,850 rubles
We raise to the power of "12" because the year includes twelve periods of capitalization.
As you can see, even on such a symbolic amount and short term the difference in the yield of a deposit with simple and compound interest is 50 rubles.
The amount of interest for six months \u003d 20,000 * (1 + 0.0074) 6 - 20,000 \u003d 905 rubles
The amount of interest for the quarter \u003d 20,000 * (1 + 0.0074) 3 - 20,000 \u003d 447 rubles
The amount of interest for the month = 20,000 * (1 + 0.0074) 1 - 20,000 = 148 rubles
Note! Capitalization of interest does not affect the profitability of the deposit for the first month.
The depositor will receive all the same 148 rubles with both simple and compound interest. Differences in yields will start from the second month. And the longer the term of the deposit, the more significant the difference will be.
Before we get too far away from the topic of compound interest, let's check how true one of the recommendations of financial consultants is. I mean the advice to choose not once every six months or a quarter, but once a month.
Suppose our conditional Valera made a deposit for the same amount, term and at the same rate, but with capitalization of interest every six months.
Rate = (9*182)/(365*100) = 0.0449%
Now we calculate the return on investment for the year.
The amount of interest for the year \u003d 20,000 * (1 + 0.0449) 2 - 20,000 \u003d 1,836 rubles
Conclusion: other things being equal, the semi-annual capitalization will bring Valera 14 rubles less than the monthly one (1850 - 1836).
I understand that the difference is very small. But after all, other initial data we have are symbolic. On large sums and long terms, 14 rubles will turn into thousands and millions.
We are moving from deposits to loans. In fact, the formula for calculating a loan is no different from the basic one.
Example. Yuri designed consumer credit in Sberbank in the amount of 100,000 rubles for 2 years at 20% per annum.
The amount of interest for the first month = (100000 * 20 * 30) / (365 * 100) = 1644 rubles
The amount of interest for one day \u003d (100000 * 20 * 1) / (365 * 100) \u003d 55 rubles
Note! Along with the balance of the debt, the amount of interest on the loan also decreases. In this regard, the differentiated scheme is much more "fair" than the annuity one.
Now let's say our Yuri paid off half of his loan. And now the balance of his debt to the bank is not 100,000, but 50,000 rubles.
How much will the interest burden be reduced for him?
The amount of interest per month = (50,000 * 20 * 30) / (365 * 100) = 822 rubles (instead of 1644)
The amount of interest for one day \u003d (50,000 * 20 * 1) / (365 * 100) \u003d 27 rubles (instead of 55)
Everything is fair: the debt to the bank has halved - the “interest” burden on the borrower has halved.
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