Deposit - a contribution to a certain amount of money in the financial institution for further profits in the form of interest rate generated during financial transactions with payment. The actual procedure of depositing the financial device is not difficult. This will require choose a safe bank, The most favorable conditions for the deposit and collect documentation package required for registration of the depositor. Let us consider the procedure of how to put money on deposit for profit.
1
At the choice of financial institution worth to focus their attention on the reputation of the bank, its shareholders and their ability to maintain a financial structure in crisis situations. While there is currently no one is immune from bankruptcy. To make a deposit sum is greater than 700 000, it is desirable to take a fancy to popular Russian bank. The probability of preservation of your capital and its multiplication hereinabove.
2
It does not hurt to draw their attention and interest rates. If the rate is higher than in other financial institutions, it may be an experienced investor question: "Where such income from the bank. Perhaps here give credit to customers at high interest rates? ". Otherwise, the institution simply unprofitable promise depositors interest rates above market. Possible catch. But there is a caveat: Making a deposit of less than 700 thousand rubles in a bank, the customer can be calm. In the event that the bank will cease operations, you return the money. This is because your input insures state.
3
After selecting the type of selection of bank loans depositThat will meet your needs. Contributions are divided into three types:
all payments, including interest, issued on expiry of the contract;
rate issue at the beginning of registration of the deposit;
monthly payments of interest rates.
4
In the first type, banking systems, as a rule, give out the greatest accruals, therefore this is the most profitable type of deposit. At the same time it is necessary to take into account that to invest more profitably for one year or one and a half. Customers who put the deposits more than five years will receive smaller rates. When signing the deposit agreement, carefully read the conditions. There are examples when banks remove decent amounts for cashing deposits, as a result, instead of the promised 12% depositors receive 10%.
5
The next step is to prepare the necessary documentation. For a hike to a bank organization, take with you: passport and photocopies of pages with your data, an individual of individuals or IP, company details, if you are IP, a questionnaire, a request in free form and, of course, money.
A bank employee will provide you with a deposit agreement and make it a copy. One paper will remain with you. Read everything carefully and put the signature. If you do not understand something, ask immediately, a specialist of the financial company will explain in detail.
There are a number of banks that do not participate in the state insurance program, so investing funds, you are interested in this issue with the employees who work with the clientele.
Application for the opening of the deposit,
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