Financial issues: the most profitable contribution. Raiffeisenbank: the most interesting about popular tariffs

In our time, every more or less well-off person who has some savings, thinks: "Maybe open a deposit?" "Raiffeisenbank" is a financial organization, in which many people turn for precisely this purpose. Now he is on the 13th place among 600 Russian banks. And this is a solid rating, indicating its reliability. It's no surprise that many people turn to this bank. But what tariffs can he offer his potential customers?

"Profitable"

The first step is to tell about this contribution. Raiffeisenbank positions it as the most popular one. And, as one can understand, based on its name - the most profitable.

And the advantages are best demonstrated in a clear example. Suppose a person has 1,000,000 rudders, and he wants to open a "Favorable" deposit for this amount. For a period of 24 months (the maximum, by the way), with the capitalization of interest. The rate will be 6.5% per annum. At the end of the period, the person will receive ~ 138,400 rubles of net profit as interest payments. It is also worth noting that this is a replenishable contribution. And it is more profitable to formalize it with a capitalization of interest. Without it, after the expiry of the term, the profit will be less by 8,000 rubles.

"Triple benefit"

It is necessary to tell about this contribution. "Raiffeisenbank" in this case offers the following conditions: a period of 6 or 12 months, a minimum amount of 1 000 000 rubles (in three currencies), at least 50% of it must be rubles.

Yes, the highlight of this tariff is that the deposit is opened immediately in three currencies - in rubles, euros and dollars. Hence the name. The maximum rates are 1% for the euro, 2% for dollars and 5% for rubles. There is a function of monthly capitalization. This means that the income will grow every month, since interest will be added to the account.

What else do you need to know about this contribution? "Raiffeisenbank" offers two terms, as already mentioned above. And a more favorable decision will be the contribution of the amount for 366 days. Then the rates will be the maximum (they were listed above).

"Personal choice"

This is another popular tariff that Raiffeisenbank offers. Individuals' deposits differ in terms of conditions. And in this case the advantage lies in the convenient payment of interest. They can be transferred to the current account of the client or added to the amount of the deposit. It can be replenished, by the way, for any amount.

So, let's say a person invests 1,000,000 for two years at a given tariff. The profit will be 120 000 r. The rate is 6% per annum. It is lower than in the case of other tariffs, as there are special conditions regarding interest payments. But, by the way, it is better to open a deposit of "Personal choice" for 12 months, rather than 24. Then the rate will be more attractive - 6.5%.

By the way, there is also the "Freedom of Action" tariff, implying the possibility at any time to withdraw part of the funds without losing interest and replenish the deposit. But only in this case, the rate, when drawn up for a year, will be 5.5%. And this 55 000 rubles came from a million.

«Salary»

Talking about what deposits in Raiffeisenbank are available for individuals, it is impossible not to mention this tariff. He is very popular. As for people who want to issue it, it is possible to partially withdraw funds (without loss of interest) and replenish the deposit. Interest is capitalized, and the rate increases, if the amount of the deposit increases.

If a person is interested in a "Salary" tariff, then he should know about the potential profit. If he invests 1 000 000 p., At the end of the 12-month period he will receive ~ 63 800 rubles of profit. This is taking into account the capitalization. The rate is 6.2% per annum.

These are the most popular offers. There are also specific tariffs. For example, "Insurance", "Investment", "Premium", etc. But those deposits that were listed before, among individuals are most in demand.