Frequent cases of revocation of licenses from banks make the question of the correct choice of a financial institution for opening a deposit particularly relevant.
Ideally, the bank should be reliable and stable, and also provide high profitability.
How to choose a bank
The first thing to do is choose a reliableBank, only then - the most profitable deposit in its product line. When choosing a bank, it is important to consider that he was a participant in the deposit insurance system. Before entering the system, banks are undergoing a serious check by the Central Bank. Even in the event of a license withdrawal from a bank participating in the deposit insurance system, the depositor is compensated 100% of the deposit in the amount of up to 700 thousand rubles. All banks participating in the deposit insurance system are represented on the website of the Deposit Insurance Agency (DIA). To minimize risks, it is worth placing funds in several banks.
As a rule, reliable stable banks do notDiffer too high bank interest. Ultra-high interest rates of 12-13% per annum should alert depositors. Probably, this indicates problems with liquidity in the credit institution. Before you decide on a bank, you should consider the average value of deposit rates. This information can be found on the website of the Central Bank of Russia. According to his recommendations, the deposit rates should not deviate from the arithmetic mean by 1.5%.
It is also necessary to analyze the financial statements of the bank and the dynamics of its key indicators.
Information about banks (ratings, financial statements) can be obtained in open sources - on the website of the Central Bank of Russia or the bank itself.
It is worth taking into account the bank's reputation, studyReviews about it from its clients, as well as look at the presence of feedback from the bank's employees and assess the efficiency of solving the problems of depositors.
When choosing a bank, you need to consider not onlyReviews of ordinary customers, but also ratings compiled by professional agencies. In particular, such rating agencies as "Rus-Rating" and "Expert" are very popular.
It is impossible not to take into account the experience of the financialOrganization on the market. The fact that the company was able to survive the crisis testifies to the stability of the bank. Large banks also have a well-developed branch network, its presence further demonstrates the stability of the financial institution.
How to choose a profitable deposit
The yield of a deposit directly depends on the value of the interest rate on it, but one should not forget about the taxation of high interest rates.
If the interest rate on the deposit is higher than the refinancing rate of the Central Bank of Russia by 5%, the income on such deposit is taxed at a rate of 35%.
Most advantageous from the perspective of interest ratesTo open savings deposits that do not imply the withdrawal or deposit of cash during the validity period of the deposit. Then follow the accumulative deposits that provide depositors with the opportunity to add funds to the account, thereby increasing the yield of the deposit.
In third place are settlement deposits, the rate on them is on average 1.5% lower than for accumulative deposits. But the depositor is available to deposit and withdraw cash.
Higher yields are guaranteed by deposits withCapitalization of interest. They will suit those depositors who do not plan to withdraw interest. The more capitalization will be carried out, the higher the profit is guaranteed.