"Pension-plus" - a contribution to the Savings Bank. Conditions and interest

Sberbank is one of the largest financial institutions in Russia. His clients are not only business people and individuals, but also ordinary Russians with an average income level. Despite the quite impressive age, by bank standards, this bank has not lost its former popularity. On the contrary. His client base is regularly replenished with new people. And all because in this credit institution there are financial products designed for different age categories, including citizens of advanced age. Since recently, it was for them that a new deposit program "Pension-plus" was developed. Contribution to the Savings Bank on it can get retired people who meet certain criteria. More details about the terms of registration and features of the program we will describe below.

The whole point of the program in a nutshell

"Pension-plus" - a contribution to the Savings Bank, which is designed for citizens of retirement age. In this case, they must be registered with the Pension Fund of the Russian Federation or a non-governmental organization and receive appropriate material assistance.

Thanks to this interesting program of the bank its clients can count on additional income from their pension. And this for many is an excellent help, especially in the complete absence of other sources of profit.

Sberbank: "Pension-plus" deposit, terms and rates

If you are interested in this option of investment, it is not superfluous to learn more about the conditions of such an accumulation system. To issue such a deposit is really only for three years. And it can be done only in the national currency. A minimum deposit size can start from 1 ruble.

The deposit refers to the replenishable deposits with the possibility of prolongation and capitalization. It involves a partial withdrawal of money and the presence of a fireproof minimum balance of only 1 ruble. Accrual of interest on the deposit occurs every 3 months. It is on such terms that Sberbank operates. The rate for the Pension Plus deposit in this case is 3.5%, and taking into account the completed capitalization, it is 3.67% per annum. Moreover, interest can be accrued and added to the primary amount of the deposit. In this case, there will be an increase in income in the next reporting periods.

What is the capitalization of the contribution?

Capitalization of a deposit is an additional charge of interest on the initial amount of your deposit. This service helps to obtain additional passive income due to a complicated interest calculation formula. It's interesting and profitable.

Where and how can I draw up?

In order to formalize the "Pension-plus" contribution to Sberbank, you need to visit one of the closest offices. From the documents you need only a passport and a pension certificate. Further, it will only be necessary to sign the banking agreement and deposit any amount into an open accumulation account. Or you can apply for participation in the program using terminals and ATMs of the credit institution, as well as Internet banking "Sberbank Online".

How to calculate the profit on a deposit?

Before applying to Sberbank ("Pension-plus" - deposit, interest on which is charged quarterly), you must perform the relevant calculations on the website of the financial institution. In particular, for this purpose a virtual online calculator works here. In the absence of the same access to the network, the representatives of the bank will help you to calculate the remuneration for the deposit.

For clarity, we give an example with calculations. So, if you make a deposit on December 29, 2016 for the amount of 1000 rubles, then the end date is December 29, 2019, which corresponds to 1096 days.

If there is a capitalization of interest, no early withdrawal of money and regular replenishment of the deposit, the average monthly income will be 3.06 rubles. For the entire period of interest calculation, the amount of your profit will be equal to 110.31 rubles. They together with the main contribution will be given out by Sberbank. The contribution (a piggy bank) "Pension-plus" allows to receive the benefit, the size of which increases with the increase of the amount of the main contribution.

What information is indicated in the contract?

Before making a deposit, a pensioner needs to sign a cooperation agreement. In it, as a rule, the following data are indicated:

• The amount of the selected currency;
• The terms of the deposit;
• The closing date of the deposit;
• The rate of the deposit;
• Minimum amount of additional contributions paid in cash;
• Frequency of additional contributions;
• The amount of the fireproof residue;
• The procedure for calculating interest, etc.

Also in this document are the contact details and requisites of both parties, and sometimes trusted persons of the pensioner. After reconciling the data, both parties to the agreement sign the document.

Is it possible to open a deposit for several people at once?

The program "Pension-plus" (a contribution to Sberbank) does not allow the opening of a deposit for several people at once. It is allowed to issue a power of attorney to other persons. At the same time, the pensioner is still the main owner of the account. However, his proxies can get access to certain operations, for example, receiving money on his behalf. In this case, the power of attorney is issued free of charge directly to the bank. The procedure does not require the mandatory presence of the person to whom the pensioner trusts management of the deposit, but requires mandatory verification by the notary.

Are there any benefits for depositors?

Participation in the program "Pension-plus" takes place on preferential terms. In particular, the accrual of interest on the deposit is at the highest possible value. At the same time, this percentage does not depend on the initial amount of capital investment.

Possibility of deposit prolongation

Prolongation of this type of deposit is assumed. It is performed automatically in accordance with the terms of the deposit agreement.

How do I withdraw interest accrued?

The interest accrued on the deposit is added to the principal amount of the deposit. But at will the client can withdraw them completely or partially in any branch of the bank or with the help of the service "Sberbank Online".