The most beneficial deposits in Omsk. Deposit programs of major banks

Deposit deposit is one of the legal ways to get a good income. The modern banking system of Russia is so well developed that there are no compelling reasons for not trusting banks with citizens. Let's talk about the most profitable deposits in Omsk.

Deposits for 3 months

Analysis of various bank offers in Omsk tells us that the interest rate on deposits in rubles ranges from 7.8 to 10.7%. The reason for this variation is difficult to explain. The only thing experts are sure of is 100%: all banks today are absolutely reliable.

The minimum yield offers "BMB". Having invested 10 000 rubles for 3 months, the client will receive in 91 days an income of 196 rubles. Rosselkhozbank accepts funds from the population at 8.4%. Thus, the profit of the depositor after the lapse of 3 months will amount to 209 rubles. One of the largest Russian banks - VTB - offers its customers a variant with a yield of 8.55%. The client will receive an increase in his capital by 213 rubles. Yes, we see that the difference between these proposals is quite small, here the client can choose a bank, based on personal preferences.

The best offer

Where can I get the highest interest on deposits? Omsk is a big city, that's why there are a lot of bank branches in it. The highest yield on three-month deposits - in "Uralsibbank" (10.7% per annum). With a deposit of 10,000 rubles, the client will collect 10,267 rubles in 91 days. This is a good option, because the income from the placement of deposits is passive, that is, the investor, without special efforts, earns money.

Banks of Omsk: deposits for 6 months

Let's analyze what options financial institutions offer their current and potential customers for six months. Note that the most profitable deposits in Omsk for this period have a yield of up to 13% per annum. Why make a deposit for 6 months more profitable than at 3? The fact is that in order to pay money to the client, the bank must receive income from lending to the population and enterprises. The money received by the bank from the population as deposits is one of the sources of funds for issuing loans.

So, let's consider the specific options. The minimum interest rates are offered by BMBank and Rosselkhozbank. These financial institutions give customers 10.1%. But it is more profitable to make a deposit in BMbank, because the deposit program is designed for 182 days and the total income for an investment of 10,000 rubles will be 514 rubles. In the "Rosselkhozbank" deposit is made for 180 days, and the client will be able to get on hand in addition only 498 rubles.

Of the average proposals, probably, the most interesting programs are offered by Uralsibbank and Home Credit Bank. In Uralsib, funds are deposited for 181 days at 11% per annum. With a standard deposit of 10,000, the customer will receive an income of 545 rubles. "HKBANK" has developed a deposit program with a yield of 11.5% per annum. The deposit is processed for 182 days. Users of banking services who have issued such a deposit will receive 573 rubles. The most profitable contribution for 6 months in Omsk is the program of the "Ural Bank for Reconstruction and Development." The deposit is issued for 182 days at 13% per annum. The depositor's profit will be 640 rubles from every 10,000 placed in the bank.

The most profitable deposits in Omsk for a year

Analyzing the proposals of banks in Omsk on deposits for 12 months, you can see that by putting money immediately for a year, you can earn less than twice a half a year. Interest rates range from 5.75 to 14% per annum.

The minimum bid is offered by the bank "Russian Standard". Having put 10 000 rubles, the client will earn only 575 rubles. From the average options, you can pay attention to the deposits of "Binbank" (10.6% per annum), "Promsvyazbank" (11% per year), "HKBANK" (12.25% per annum). The most beneficial deposits in Omsk are offered by the "Ural Bank for Reconstruction and Development". The client will issue an annual deposit under 14%. Having carried out simple mathematical calculations, we will see that with a minimum contribution of 10,000 rubles, the citizen's income will be 1,400 rubles.