Savings certificate of Sberbank: interest. Certificates of the Savings Bank to bearer

One of the areas where you can investfree cash, - savings certificate. This is a security that certifies the bank's obligation to pay a certain amount to an individual. Make it in any credit institution. Savings certificates of Sberbank of Russia, interest on which is higher than for all other contributions of the organization, are in demand in the market. As of November 17, 2014, there were 26 thousand forms in circulation with a total volume of funds of 14.5 billion rubles. There are several reasons for this: a demand paper is issued quickly, it can be transferred to other persons and presented for payment early. From our article you will learn in more detail on what conditions the Sberbank certificate is issued and circulated (interest that promises to pay the institution to the holder, the terms and amounts of deposits will also be considered).

Investments

People who have free cash,at some point they are asked about where to put them. Investments in stocks require specific knowledge. Precious metals do not bring fixed income. To reduce the risk, you can invest in financial instruments of a large government institution, which is Sberbank:

• certificates, interest on which is paid at the maximum rate (10%);
• Deposits, which are an insured type of deposit, but bring much less income.

Features of certificates

Securities on demand are issued onlyin the currency of the Russian Federation for a period of 3 to 36 months. It will not be possible to extend its validity, we will have to issue another certificate from Sberbank. Interest is accrued on a minimum amount of 10 thousand rubles. at a fixed rate. The number of securities, the period of their turnover and the nominal value of the depositor can determine independently within the established range. The client has the right at any time to present the certificate of Sberbank to maturity. Interest in this case will be recalculated at the rate of "poste restante".

You can sell it, leave it as a will,present, use as collateral or for settlements. If you urgently need to return a large amount of money, and there is no time to run to the bank, you can simply hand the certificate to a third party instead of cash. The most important thing is that its term of validity does not end. This is a big advantage of this type of CB. The client can choose independently, for what sum it is necessary to open a deposit "Savings certificates". In some cases, Sberbank of Russia comes to meet and issues forms for an amount exceeding the stipulated. This CB is a reliable tool for storing funds, as it has several degrees of protection. It should be purchased by people who intend to transfer large sums, but do not want the tax operation to become known about this operation. That is why the Ministry of Finance proposes to exclude this financial instrument from the turnover.

Purchase

For registration of the transaction it is required only the passport. In a security, all fields must be filled in. The absence of text on one of the requisites makes the document invalid:

• name "Deposit certificate of Sberbank";
• interest for using the deposit;
• the reason for delivery;
• date of registration;
• the amount of the contribution (in figures and in words);
• unconditional obligation of the bank to return the money;
• the demand date;
• the issuer's address;
• signatures of two specialists of the credit institution, sealed.

Sberbank of Russia: certificates, interest, terms of service

From December 24, 2014, according to these securities, the following remuneration is paid:

Here are the terms for which you can purchaseSavings certificates of the Savings Bank of Russia. Interest is paid at the end of the term. On the form it is declared that the rates are set higher than for deposits. This is indeed so. The certificate for the amount of 100 thousand rubles., Which will be presented for redemption in 367 days, will yield an income of 12.25% of the deposit amount, ie 12,557.53 rubles. On the deposit "Save" under the same conditions, the interest rate is 8.25%. That is, the profit will be 8,647.12 rubles. It should also be noted that the yield on securities with a par value of 10-50 thousand rubles. almost zero. So it is more profitable to purchase one security for the maximum amount.

If before the maturity dateSavings certificate of the Savings Bank, interest will be paid at a rate of 0.01% per annum. The Central Bank may be transferred at any time to a third party. You do not need to fix this in documents. But this operation is possible only during the deposit period.

Other options

In addition to Sberbank, a certificate in Russia canpurchase in other institutions. But rates and availability of services depend on the region. "Transcapitalbank" prepares this product for order, the forms are brought from Moscow within 2-3 days. If the client is willing to wait, then he can invest an amount of 10 thousand rubles. for a period of 3 months to 2 years at 9-11.5% per annum. In some organizations, certificates are classified as VIP-line, and the threshold is very high. So, in "IBA-Moscow" the deposit amount starts from 0.5 million rubles, and in the "Bank of Moscow" - 3.5 million rubles. In the branches of the institution in the capital you can invest and 200 thousand rubles.

Kinds

There are also registered certificates. They contain information about the owner. The transfer of such securities is carried out by means of a cession - assignment of the right of claim. In the form is intended for this special field on the back. If the certificate is passed several times, and one of the "links" drops out, the document becomes invalid.

Benefits

There are a lot of them:

• high profitability;
• minimum package of documents for registration;
• mobility: the product can be cashed or donated at any time;
• the transfer of rights is effected by the simple delivery of the form to a third party;
• can be presented for payment in any city of the Russian Federation;
• to receive payment, you must apply to the department with a passport and a certificate;
• in case of loss of the bank, the rights to monetary funds can be restored through the court.

Minuses

The main drawbacks of the Savings Certificate Savings Bank product:

• Interest and risk are very high. These securities do not participate in the deposit insurance system. Those percentages that the bank would pay to the DIA, it returns to the client. Therefore, in the event of an issuer's bankruptcy or license revocation, individuals will not be able to receive funds accumulated under such securities;
• in case of loss of an unnamed CB, a third person may present it to Sberbank for payment;
• Certificates (interest calculated using a simple formula) do not provide for capitalization;
• redeem the paper is not in all branches of the credit institution;
• at early presentation, the rate is reduced to 0.01% per annum;
• To prolong the term of the Central Bank is impossible.

Some statistics

In February 2015, the maximum average bidon certificates was 13.28%. According to the Central Bank, the analogous indicator for deposits approached the level of 13.85%. This is more than the average rates for registered securities (12.92%), but less for bearer certificates (15.71%). The maximum rates for this product are 18% ("FiaBank") and 16.5-17% (UBRD).

Insurance is still possible

With the growing attractiveness of this service, the DIAsuggested that the banking community consider the option of securing certificates for the amount of 3 million rubles. Credit institutions need long-term liabilities. The sources of their formation may be certificates. According to the DIA, over the past 5 years, Russians have invested 1.4 trillion rubles in these securities. Which of these is the conclusion? Taking into account that the average turnover period was 3 years, the probability of using certificates as sources of long-term liabilities is very high.

Summary

Having free cash, individualscan invert them into financial instruments. For example, to issue certificates of the Savings Bank to the bearer, the interest on which is higher than for other deposits. To conclude a transaction, you will only need a passport. To submit a form for payment is better after the expiry of its validity period, otherwise the interest rate will decrease to 0.01% per annum, which is extremely unprofitable. The high level of profitability is explained by the fact that payments for such investments are not guaranteed by the Deposit Insurance Agency. Therefore, the bank pays the client a higher reward.