Date: 9 months ago   Category: Economy

Whether deposits in Ukraine are favorable


Often it is possible to hear opinion that if to put money in bank for a deposit, it is possible to live without working, for one percent. Actually a picture on deposits and payments for them not so iridescent. We will consider in more detail, than deposits are favorable to the population in what cases you shouldn't give the money to bank and what "reefs" it is possible to come across. What terms are offered by banks to the Ukrainian investors in 2018 Distinguish the following types of deposits: active and inactive (with a possibility of replenishment or removal of a part of means); short-term and long-term (from 3 months to one year); currency and hryvnia. Within Ukraine interest rates for deposits, according to Minfin.com.ua, the following: currency deposits from 0.01% - 5.25%, hryvnia 5.5 - 21%. Assessment of profitability of investments On the one hand, enormous figures (on average 15%) have to guarantee to the investor not bad annual earnings. But regarding hryvnia deposits everything isn't so simple if you have put the money in bank for a year (it is admissible 100 thousand) on hands you expect to receive 115 thousand. But the bank won't be able to give such sum to you.

Exists a concept of a tax on a deposit which in 2018 makes 18% of clean have beaten the investor. Thus, from income on a deposit, the state by default takes away 18% of 1.5% of military collecting (works since 2015). Thus net profit will make not 15 thousand, but <12.br>
Taking into account inflation which by estimates of financiers in 2018 has reached 9%, real income will equal to about 2-3 thousand hryvnias.

also affects currency deposits the law on the VAT and military collecting. But deposits in dollars aren't subject to inflation influence, with growth of a course the investor only wins. Taking into account the minimum interest rate it is difficult to earn from currency deposits, without possessing initially big starting capital. For example, investing 10 thousand dollars for a year, income will make $300, (at an interest rate more than 3%), at the same time from profit 19.5% are automatically subtracted that will make $57-60.

Also should consider that there is a concept "minimum sum of a contribution". If a hryvnia deposit can be issued, since 1000 hryvnias, then the currency deposit in reliable banks (PUMB, Oschadbank) can be opened with $20 000.

Shouldn't be forgotten about insurance of a deposit which will make 4-5% of total amount. The insurance is necessary at low degree of trust for bank, in case of his elimination because of bankruptcy, she guarantees partial or full return of means.

As an exit trust the money to reliable institutions even if the offered percent on payments is minimum. Sharp increase in rates and tempting usually tells the offer of "18% for a short-term deposit" about financial difficulties and intention to entice clients at any cost.

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