Any bank is a commercial enterprise that is created for the purpose of making a profit. That is why it is necessary to understand that all kinds of "tasty" and "juicy" offers on deposits are beneficial, first of all, to a credit institution, and only then may they turn out to be attractive for depositors. Naturally, banks operate in the legal field and do not violate the requirements of the current legislation, but there are a number of tricks and tricks that allow some bankers to use financial illiteracy and the trust of their customers.
It is necessary
- - bank deposit agreement;
- - advertising brochures and booklets;
- - calculator.
Instructions
Step 1
In many banks, the favorite method of deceiving depositors is the refusal to issue deposits on demand. In deposit agreements, it is usually written that the bank undertakes to return the depositors' money on the day they apply for them. In practice, most banks have a system of pre-ordering cash, starting from a certain amount, which ranges from 30 to 300 thousand rubles. If you have not notified the bank about your desire to withdraw money within 1-3 days, you will not be given a deposit. In this way, the bank interferes with your right to freely dispose of your own funds, besides, it pays you simply "ridiculous" interest for additional days of finding the money in the account.
Step 2
A common variant of misleading depositors is the presence in the bank's product line of two deposits with the same names, but different terms of the agreement. For example, for one type of deposit, interest is calculated monthly and added to the principal amount of the deposit (such an operation is called capitalization), and for another type of deposit, interest is calculated at the end of the contract. It is clear that the investment with capitalization will be more profitable, but this statement is true only if the rest of the terms of the agreement coincide. There is a trick that allows a bank to reduce the profitability of a deposit with capitalization: it is enough to reduce the rate on it by a few tenths of a percent, and the profitability of a deposit with capitalization and a regular deposit will equalize.
Step 3
Sometimes banks deceive their depositors, declaring that customers can withdraw deposits at any time without losing interest. However, the deposit agreement always states that this provision is valid subject to a number of additional conditions, for example: money must be on the account for at least a certain period of time; you can withdraw only a part of the amount without loss of interest; only those interests that have been added to the principal amount of the deposit are retained.
