Where to invest in interest

Free cash should work and generate income. Otherwise, over time you will endure inflationary losses. Consider the basic ways of investing money at interest.

The easiest option is to place money on a bank deposit.

Choose a bank with a good reputation. Too high interest rate should alert you.
To select a suitable placement method, use the section "Contributions and deposits" of the site banki.ru..
Specify the currency, the estimated amount and the term of the deposit. Select the option of paying percent: monthly, quarterly, at the end of the term or forward.
Consider that the amount of insurance compensation from the Deposit Insurance Agency is 700,000 rubles. Therefore, if the amount of the deposit is more, the optimal will be its investment in different banks.
To post money on a deposit, contact the Bank's Office. The form and sample of the completed deposit agreement can be downloaded on our website.

Blank of the bank deposit agreement.

Sample of the completed bank deposit agreement.

If you are a Sberbank client and are connected to the Sberbank online service, you can invest in interest, without leaving the house:

Deposit options can be viewed on sberbank website.
To place the deposit online, go to the section "Deposits and Accounts" and click on the "Deposit" button.
Select the Deposit type, click "Continue". Specify the card number with which the cash will be offset.
Click the Open tab and check the correctness of the specified data in the Confirmation window.
Deposit account will be displayed in the section "Deposits and Accounts".

An individual can provide a loan for interest both legal and other physical face:

It is necessary to conclude a loan agreement. Download the form and sample loan agreement on our website:
A loan agreement between individuals - blank,
A loan agreement between individuals - a sample of filling.
Consider that the interest rate should exceed the refinancing rate of the CBRF. The current bet is indicated on the site Centralailics cBR.ru..
If you are not sure of the borneticity of the borrower, wrap the contract in the notary.
When making a loan between a physical and legal entity, an agreement is also concluded. Blank and fill sample:

A loan agreement between a physical and legal entity - a blank,
A loan agreement between a physical and legal entity - a sample of filling.

If the size of the savings exceeds one and a half million rubles, you can pay funds to the Microfinance Organization - MFIs. Bets for this placement are usually higher than banking. But the risk of losing money is greater, since the MFI works directly with individuals. Pay attention to mFO Rating when choosing. At the moment, the most famous MFIs are the following: Microfinance LLC, Home Money LLC, Migkredit LLC, Microlimi LLC.

Members of payment webMoney systems Can provide a loan to other persons for a short time:

Pay attention to the user's reputation. See if there are feedback from other participants in the system.
To provide a loan to go to the "Debt Service" section and click the Debt Bookmark.
You can choose from already available applications for the provision of a loan or place an offer indicating the conditions.
If the borrower agrees to your conditions, he confirms the opening of the confidence limit on his name.
After that, he can take money from your wallet. Return with interest is carried out after the expiration date.

Consider that interest received from investing money is income. Do not forget to display it in the tax declaration and pay income tax on the expiration of the tax period.