There are standard deposits and with capitalization. The difference lies in increased profitability. What the best contributions with capitalization are offered from banks, we learn in this article.
Features of the design of deposits with capitalization
To begin with, we will figure out what capitalization is, and how it functions. If a monthly interest is accrued on the standard deposit with the possibility and withdrawal, then according to this type of contribution, interest is added to the main sum. Capitalization can be of several types - daily, monthly, etc. Each species has its own characteristics.
Here are the main features of the design of deposits with capitalization:
- The client needs to contact the bank and open a deposit.
- The main points are coordinated with the client - the size of the annual rate, placement time, capitalization options.
- The percentage of the deposit is not issued, but is accrued for the entire amount and attached to the body.
- As a result, the amount becomes much larger, which helps to increase the savings.
Thus, the percentage is accrued for a large amount. The most profitable option is the contribution with the daily capitalization of interest. It provides for the maximum income.
Revenge: the main aspects
To calculate profitability, a number of main aspects must be taken into account. First of all, this is the minimum amount for the contribution, terms, interest rate, interest accrual period. The calculation is made according to a special formula. Each bank proposes to open a contribution with capitalization on different conditions. In this case, it is necessary to take into account the terms, amount and other important criteria. This is the only way to choose the best option for yourself.
In order to choose a contribution with the maximum percentage, you can consider options on the website vbr.ru. Here is a list of banks indicating the interest rate, the amount, and the maximum term. Clients can focus on banking offers and study individual conditions. Among the various options on the site are such banks as Gazprombank, T-Bank, VTB, Uralsib and others. To familiarize yourself with the conditions, you can go to the bank's website. This will allow you to choose such an offer that will fully satisfy requests.
Thus, by opening a contribution with capitalization, you can receive the maximum percentage for the selected period. And this will increase profitability.
