Introduced a contribution with the festive name "New Year's".
Sberbank also made its profitable New Year's offer 2019-2020, which, as they say, depositors will not be able to refuse. it
Let's calculate how much you can earn if you make deposits offered by Sberbank for the New Year 2020. For example, we will invest 100,000 rubles for various periods.
✓ 4 months - "New Year's bonus" with a rate of 4.85% will bring an income of 1,628 rubles. A “profitable start” cannot be opened for such a period.
✓ 6 months - "Favorable start" at 5% will bring an income of 2,527 rubles, and "New Year's bonus" with a rate of 4.85% will earn 2,451 rubles.
✓ 9 months - "New Year's bonus" with a rate of 5.25% will bring an income of 4,016 rubles. "Favorable start" for such a period is not issued.
✓ 12 months - "Favorable start" at 5.5% will bring an income of 5,642 rubles. "New Year's bonus" for 1 year can no longer be opened.
✓ 18 months - "Favorable start" with a rate of 5.85% will bring an income of 9,140 rubles. "New Year's bonus" for a year and a half is also not issued.
As shown by our simple calculation, it is impossible to answer this question unambiguously. It all depends on how long you plan to deposit money. If you want to invest for 4 or 9 months, then the New Year's bonus will be more profitable. And if for 6, 12 or 18 months, then the Profitable Start will be more attractive.
This year, when choosing a winter holiday deposit, I do not advise you to get hung up on Sberbank, the expert on deposit programs Viktor Davidenko website. For example, in Post-Bank, a New Year's deposit for 275 days (9 months) can be opened at 6.2% per annum. And Sberovsky "New Year's bonus" with the same period gives only 5.25% per annum.
This question is being asked by many today. And here's what banking professionals have to say about this.
“If inflation does not accelerate, for example, due to external shocks, then we can expect a further reduction in rates on ruble deposits,” said the head of the operations department for the Russian stock market IC "Freedom Finance" Georgy Vashchenko.
Vyacheslav Putilovsky, junior director for banking ratings at Expert RA, believes that the downward trend in deposit rates is likely to continue until the end of this year. “At the same time, traditional New Year's shares on the deposit market are likely to cause a slight local increase in profitability, but will not change the trend,” he suggests.
And at all a sad picture is painted by the Chairman of the Board of the Bank "FC Otkritie" Mikhail Zadornov. According to him, Russian population realizes for the first time that banking system deposit rates can be 4% and 5%. "It's clear that Russian citizen who is basically accustomed to either buying housing as investment investment or keep money in banks, will pay more and more attention to investment products and investments,” he said.
Learn more about the conditions and interest rates of the new deposit of Sberbank, as well as other deposits, on the official website www.sberbank.ru or at bank branches.
OJSC "BPS-Sberbank" is one of the largest long-lived banks among those existing in the Republic of Belarus. This is an open institution that regularly provides its financial indicators.
BPS bank, whose deposits for the population always turn out to be the most profitable for growth Money, is the most popular and reliable. The institution has a huge international system connections. Today, depositors have the opportunity to draw up agreements on bank deposits in any currency. This is also due to the fact that the interest rate foreign exchange an order of magnitude lower than the interest rate in rubles. But, nevertheless, the most popular currency in BPS Bank is the Belarusian ruble.
The bank provides an opportunity to make deposits in Belarusian rubles of your choice.
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Interest rate |
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"Control" |
12.5 to 26.5% |
Compiled for a period of 90 to 1000 days. In this case, the client independently chooses the exact date of expiration of the contract. Monthly accrual of interest on a bank card. |
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"Time for surprises" |
Term deposit The minimum amount is two million Belarusian rubles. Interest is fixed for the entire term - 3 months. They are credited at the end of the term to a bank card. Possibility of opening to another name. |
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"Multiply" |
The term is 35 days. The minimum amount is 2 million Belarusian rubles. Replenishment is made for any amount. |
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"Save" |
From 18 to 28.5% |
For a period of 90 to 1000 days (inclusive) with monthly interest payments. |
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"Replenish" |
From 17.75 to 28.4% |
The minimum amount is 500 thousand Belarusian rubles. Monthly accrual of interest on a bank card. |
Clients can use different types bank deposits: "on demand" and "urgent". The latter with a higher interest rate, but on the other hand, demand deposits provide the withdrawal of all funds at any time.
The most popular options among customers are "Save", "Replenish" and "Manage". Their advantages include:
From February 24, 2014, JSC "BPS-Sberbank" introduces a new Bank deposit titled "Surprise Time". Cash deposits can be not only in Belarusian currency, but also in foreign.
JSC "BPS-Bank" was formed back in 1923 in the Republic of Belarus. Until 1941, he provided long-term loans in various industries and energy sectors. Expanded the scope of its activities and opened new branches in the regional centers of Belarus.
During the years of the Second World War, the bank ceased its activities due to the temporary seizure of the territory. In the post-war period, BPS-Bank began work very quickly and fully fulfilled the tasks assigned to it for the operational use of money that was allocated for the restoration of the national economy.
In 1987, a banking reform was introduced, as a result of which the Industrial and Construction Bank of the USSR was formed. "BPS-Bank" began to perform a full range of banking operations which included not only investments and lending, but also a number of other banking services.
In October 1999, BPS-Bank was renamed into Otkrytoye joint-stock company Belpromstroybank. 10 years after this event, the Representative Office of the Republic of Belarus and Sberbank of Russia signed an agreement for the purchase by Sberbank of Russia of a 93.27% stake in BPS-Bank OJSC, as well as the conclusion of an investment agreement for long term development BPS Bank.
In October 2001, it was decided to slightly change the name financial organization and now it is BPS-Sberbank Open Joint Stock Company.
Today BPS-Sberbank is a universal organization that provides all types of banking services to individuals and legal entities. Various popular credit programs. Any individual and legal entity, with the appropriate package of documents, can issue consumer credit, borrow money to buy real estate or a car, to open or expand an existing business.
You can apply for a loan in the following forms:
Any bank is interested in the reliability of its partner, therefore, certain requirements are imposed on each potential client. Here are just a few of them:
It is impossible to unequivocally answer whether the bank will refuse to issue funds or approve the application. If you have never had problems on the above points, then your cooperation with the bank will bring a pleasure.
If you are skeptical about lending, but like to make money easily, then a great option to increase your capital would be cash deposits in any currency. For physically and legal entities there is term deposits With minimum term for 1 and 3 months. The maximum period for which a bank concludes a deposit agreement is 3 years. Accordingly, the larger the deposit amount and the period for which you open a bank account, the greater your interest income will be.
Even if you have never taken loans, but there are simply no deposits free funds, then you can simply evaluate the work settlement and cash services in the bank. Of course, it is most convenient to connect the BPS Internet Bank and make all payments without leaving home from a desktop computer or tablet, but so far not all bank customers have mastered this technology.
Settlement and cash services at BPS-Sberbank mean maximum convenience for customers, high speed and reliability. The client can use the services of settlement and cash services, both in Belarusian rubles and in foreign currency.
When making bank card, the client is connected to the Internet banking of the BPS bank. With the help of Internet banking, you can make transfers from one card to another, pay utilities, replenish the deposit, view the balance of funds on your card, pay for purchases in online stores.
Often there are situations when the payment did not go as intended due to a technical failure or an error in entering a personal account. In such a situation, the bank is ready to withdraw payment document, locate the payment, make the necessary inquiries and provide statements of the client's accounts.
A banking service is not only opening a savings account or obtaining a loan, but also cash transactions. Any BPS-Sberbank client can use:
BPS-Sberbank serves the largest factories in Belarus. All activities of the bank are absolutely transparent. Branches and representative offices of the bank are open not only in the Republic of Belarus and Russian Federation, but are already beginning to develop in Poland. The first branch of the bank outside of Russia and Belarus has already been opened in Warsaw, and in the future the banking network plans to grow and develop in other cities of the post-Soviet space.
