Banks are not very fond of pensioners-borrowers, but for depositors of retirement age, the range of offers is quite extensive. The fact is that pensioners rarely withdraw money from the account ahead of schedule and prefer to save money.
It is necessary
- - pensioner's ID;
- - application for opening a deposit;
- - money.
Instructions
Step 1
To attract retired depositors, banks offer them increased interest rates on loans. A large number of offers for pensioners significantly complicates the choice of the optimal bank for opening a deposit. In this case, you can focus on the reliability of the bank, the convenience of its location, the size of the interest rate, as well as the minimum amount for opening a deposit. To open such a deposit, a pensioner will only need a pension certificate and the required amount for the first contribution to the account.
Step 2
The interest rate, which is set on the pension deposit, for most banks varies from its parameters, most often - from the term of funds placement. For example, in the RSKB bank the rate on the Pensionny deposit is from 7% with the investment period of 92 days, 9.5% - 184 days and 11% for 364 days. But this deposit does not provide for replenishment and withdrawal of funds. In Tatfondbank, an accumulative pension deposit can be opened with a rate of up to 10.2%, but an increased percentage is valid only for an amount over 100 thousand rubles. and a period of one year or more. In Rosselkhozbank, the percentage also depends on the term of opening the deposit: for a period of one year or more, it is set at 8.2%, over - 8.6%. In Otkritie Bank on the Pension Income deposit, the rate is from 8.55% for a period of up to 181 days and an amount of 3000 rubles, while when depositing money for a longer period of more than 1825 days, it is lower and amounts to 7.56%. In Express-Credit Bank there is the possibility of opening a "Pension" deposit with a rate of 10.71%. Under this program, there are restrictions in the form of a minimum period for placing funds. Replenishment of the deposit is possible, but the minimum amount is 3000 rubles.
Step 3
Another parameter on which the interest rate on pension deposits depends is the amount of the deposit. For example, in Svyaz-Bank on the "13th pension" deposit with a deposit amount of up to 100 thousand rubles. the rate is from 7.5%, with a larger deposit - from 8.5%. Interest on the pension deposit of MDM Bank is calculated at the rate of 9% for an amount of less than 700 thousand rubles, 9.1% - 1.5 million rubles. and 9.2% of 1.5 million rubles.
Step 4
Bank rates follow a pattern - if there is an opportunity to deposit money during the period of the deposit, the interest rate is lower. In Sberbank, you can open a savings deposit "Save" with a rate of 6.4%, and for a deposit "Replenish", which provides for monthly replenishment of the account, the interest is lower - from 6.1%.
Step 5
Thus, finding out exactly what percentage you can get on your pension contribution depends on a number of factors. A bank specialist can announce the final rate at which your income will be accrued.
