The contribution of the "Happy rate" (Sberbank): guest contributors

Often the Sberbank offers its depositors seasonal projects on deposits. So this year there was a contribution “Happy cent”. Sberbank, which is basically only positive, each time offers investors more favorable conditions and opens the deposits for every taste and budget.

Features

Time is running out, but still great deposits and offers savings Bank of Russia. The contribution of “Happy cent” can be issued for six months or 9 months. Open the Deposit only in the national currency, and the minimum premium shall be not less than 100 thousand rubles. Of course, not all have the same amount, but the percentage of the contribution is very good – 10%.

Input does not provide for any replenishment or partial withdrawal, which justifies a higher rate. But a possible extension of the contract at the end of the contractual term on the same conditions offered by Sberbank. The deposits of individuals “Happy cent” stipulates the opening of savings books, are accustomed to the older generation. The term of Deposit is limited, so those interested should hurry.

Interest rates

Consider what the interest on the Deposit offers Sberbank. Rate of interest “Happy cent” will depend directly on the amount of the Deposit and the period for which it is opened.

Dividends are credited at maturity. No capitalization, but such interest rates and small terms it is not relevant. Accrued profit can be withdrawn by the depositor or transferred to the specified Bank account. If the individuals you want to close the contribution ahead of schedule, the accrued dividends for the actual period will be calculated at the rate of “demand”.

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Documents and open account

In order to open the savings Bank of Russia the contribution of “Happy cent”, you must provide the following documents:

• The passport of the Russian Federation;
• Application for opening Deposit;
• Individual taxpayer identification number;
• For individuals who are not residents of the Russian Federation must submit a document confirming the legitimate origin of the invested funds.

At its discretion, the Bank may request additional documents. If all the conditions of the Deposit of the depositor satisfied, then there are several options how to open a Deposit “Happy cent”. Sberbank, which reviews are talking about good reputation, offers to visit any convenient office or use the services of Sberbank online.

To open a Deposit at the Bank's office, you need to:

• Choose any convenient office.
• Ask the Manager to introduce the rest of the sentences and also to tell more about the service “Happy cent” (sometimes, even on official sites, may be laid out not all the information).
• If the conditions of Deposit registration all clear, and do not have additional questions, you can give the documents for registration.
• To Provide a passport and other identity documents (upon request of the Bank).
• To Write an application for opening a Deposit.
• Read the terms of the contract and sign it.
• Make cash.
• Wait for the profits.

If the depositor has any card of Sberbank, you can try to remotely access the contribution of “Happy cent”. Sberbank, which reviews are better read prior to the transaction, offers to use Internet banking Sberbank online. There is nothing complicated, just follow the prompts of the service. Simply go to the tab "Contributions and account” and after a few clicks to Deposit the required amount.

Insurance

Bank as in any other financial institution, the Deposit insurance system. Thanks to it the Bank may reimburse the full amount held in the Deposit in the event of force majeure. According to the rules of the financial institution is unable to pay at once more than 700 thousand rubles. But those depositors, whose deposits is more than this amount, do not worry. Just cash is paid in installments.

Thanks to Deposit insurance can be insured and the contribution of “Happy cent” (Sberbank). Reviews about this contribution can be read on the official website of the Bank and on third-party resources. What is most interesting for Deposit insurance do not need to pay. The Bank itself pays for this service. In the event of bankruptcy, withdrawal of a licence or moratorium on further work, the organization must pay up to 100% of the investment. Besides this and other deposits of the savings Bank you can pass by inheritance.

In essence, the deposits – is one of the components of the existence of banks. The money that depositors leave a Bank, financial institution put into circulation. Accordingly, for it and paid interest. And the higher you Deposit, the higher the interest rate on the Deposit. That is why Sberbank and other banks care about security deposits.

Reviews

In the opinion of the depositors of the savings Bank, Deposit “Happy cent” turned out to be very profitable. Despite the fact that the minimum Deposit is 100 thousand rubles (not everyone has this amount of money, especially for the contribution), many have decided to open an account with such terms. If you look objectively, for a good fee and a percentage will be charged decent. Thanks to the advent of such deposits, the Bank's clients say that their money brings in real income. Besides, do not need to worry for the safety of their savings, because the savings Bank all have thought.