Some people, having a certain amount of money in their hands, want to get additional profit. To do this, it is enough to make a bank deposit at interest. But since the economic condition of the country is unstable, you need to very carefully choose a financial institution. The conditions of the deposit are also important.
Instructions
Step 1
First of all, choose a stable and reliable bank. Collect as much information as possible about all financial institutions located in your area. To do this, visit the central office of each of the branches, read reviews on the Internet, ask your friends. Check with the employees for information about the current and active assets of the bank. Find out your full name. the founders of the bank branch.
Step 2
It is better to choose those financial institutions that have proven themselves, for example, the Savings Bank of Russia. Check information about their financing. To do this, look for information on the Internet or in economic magazines, for example, in the Russian economic newspaper.
Step 3
Check out the variety of contributions. Record all proposed conditions and opportunities. Pay attention to the term of the deposit and the interest rate. In no case do not chase the "golden mountains". Remember that too high an interest is unprofitable for the bank, so if you hear about high rates, think a hundred times, and not whether it is bait.
Step 4
Check with the operator of the possibility of replenishment and early withdrawal of funds. Find out how interest capitalization goes. Some banks transfer the amount of interest on a monthly basis to the settlement accounts of the owners. There are also deposits for retirees. As a rule, interest rates for this category of people are slightly higher.
Step 5
Get information about the term of the deposit. For example, there are deposits that are automatically extended for one more term. That is, if you opened an account for six months, you must receive them on the same day, otherwise the term will be extended for another six months, and early termination of the contract will be at your expense.
Step 6
If you just want to save money, you can rent a safe deposit box at the bank. In this case, you will have to pay a certain amount of money monthly for its use.
