Depozitul online este o solutie avantajoasa prin care poti sa economisesti si, in acelasi timp, sa-ti cresti economiile, simplu si fara griji.
Afla in cele ce urmeaza care sunt avantajele depozitelor online, cum se calculeaza dobanzile si cum iti poti creste economiile.
Avantajele unui depozit online pentru persoane fizice
Calcularea dobanzilor pentru depozitele online
Sfaturi utile pentru cresterea economiilor fara riscuri
Avantajele unui depozit online pentru persoane fizice
Daca dispui de sume de bani pe care vrei sa le multiplici in viitorul apropiat, simplu si fara sa iti asumi riscuri, o solutie eficienta poate fi sa iti deschizi un depozit online. Din punct de vedere economic, este indicat sa economisesti lunar anumite sume de bani pentru a-ti asigura un nivel sporit de siguranta financiara. Iar pentru a avea oportunitatea de a-ti creste economiile, depozitele online reprezinta o modalitate sigura prin care poti obtine profit de pe urma banilor depusi in cont.
Varianta depozitelor traditionale presupune numeroase drumuri la banca si minute in sir de stat la coada. In schimb, un depozit online este mult mai rapid si eficient, pentru ca il poti deschide si gestiona din confortul propriei locuinte sau de oriunde te-ai afla. Poti sa economisesti bani in timp ce esti la cumparaturi sau in drum spre birou.
Iata care sunt cateva dintre avantajele unui depozit online deschis la TBI Bank:
Ai acces usor la bani – uneori, pot sa apara diferite situatii imprevizibile cand ai nevoie urgent de anumite sume de bani, iar faptul ca iti poti accesa economiile in orice moment, fara sa astepti data scadenta, reprezinta un avantaj semnificativ. Cu alte cuvinte, ai posibilitatea sa optezi pentru lichidarea anticipata a depozitului oricand ai nevoie. In plus, daca retragi anticipat sumele disponibile in depozitul tau online, beneficiezi de o dobanda egala cu cea practicata la contul curent standard.
Iti cresti veniturile fara riscuri – atunci cand alegi sa iti deschizi un depozit online, ai posibilitatea sa iti cresti veniturile fara riscuri, in functie de dobanda calculata. Este important sa ai in vedere faptul ca dobanzile pentru depozitele online cresc de obicei in functie de perioada pentru care ai decis sa deschizi depozitul.
Rata fixa a dobanzii – la TBI Bank te bucuri de o rata fixa a dobanzii pe toata durata contractului de depozit, astfel ca iti va fi mult mai usor sa tii evidenta finantelor personale.
Economisesti eficient – daca doar pui bani deoparte acasa, intr-un seif sau in plic, nu vei avea posibilitatea sa castigi de pe urma lor, insa cu ajutorul unui depozit online iti cresti economiile in timp. Acest lucru este valabil indiferent de perioada pentru care alegi sa constitui depozitul, iar dobanda de care vei beneficia la data scadenta aleasa poate acoperi pierderile cauzate de inflatie.
Scapi de grija costurilor de administrare – spre deosebire de varianta unui depozit la termen constituit la ghiseu care de obicei implica diverse taxe si comisioane, in cazul depozitului online beneficiezi de gratuitate pentru deschiderea, administrarea sau retragerea sumelor din depozit in numerar sau prin transfer bancar.
Poti automatiza procesele – atunci cand deschizi un depozit online, poti opta pentru varianta prelungirii automate si capitalizarea dobanzii, astfel incat la scadenta, sa eviti alte formalitati si sa castigi timp. Ai, astfel, posibilitatea de a-ti reinnoi fara efort depozitul la data scadenta, de a acumula dobanda in timp si de a-ti creste veniturile.
Ai siguranta banilor tai – depozitul online functioneaza la fel ca unul clasic in ceea ce priveste siguranta banilor tai, fondurile fiind garantate in limita echivalentului a 100.000 de euro. Cu alte cuvinte, in cazul unui faliment, iti poti recupera integral sumele depuse si dobanda acumulata.
Economisirea unor sume de bani cash nu iti permite sa castigi de pe urma lor. In schimb, cu un depozit online, ai posibilitatea sa acumulezi dobanda si sa-ti cresti economiile. In timp, acesta te va ajuta sa obtii un anumit nivel de siguranta financiara si sa dispui de banii necesari pentru nevoile tale, fie ca e vorba de calatorii, investitii in locuinta sau un trai decent la pensie.
Citeste si Depozitul online – cum il deschizi si ce avantaje ai
Calcularea dobanzilor pentru depozitele online
Atunci cand economisesti prin intermediul unui depozit online, te bucuri de dobanzi care cresc in functie de perioada pentru care alegi sa deschizi depozitul. Dobanda porneste de la 2.75% pentru un depozit online pe o perioada de o luna si poate ajunge pana la 5.50% in cazul unui depozit online pe 36 de luni.
Iata care este ritmul de crestere a dobanzii pentru depozitele online in RON in cadrul TBI Bank, in functie de perioada aleasa:
1 luna – 2.75%
3 luni – 3.25%
6 luni – 3.75%
9 luni – 4.00%
12 luni – 4.50%
15 luni – 4.60%
18 luni – 4.70%
24 luni – 5.00%
36 luni – 5.50%
In cazul in care vrei sa lichidezi anticipat depozitul, primesti o dobanda egala cu cea practicata la contul curent standard pentru perioada in care ti-ai pastrat economiile in depozitul online.
Pentru mai multe informatii, poti folosi calculatorul de dobanzi pentru a vedea care este dobanda aplicata in functie de sumele pe care alegi sa le economisesti.
Sfaturi utile pentru cresterea economiilor fara riscuri
Daca vrei sa economisesti bani si, in acelasi timp, sa ai oportunitatea sa castigi de pe urma sumelor pe care le-ai pus deoparte, depozitul online este o solutie sigura si la indemana. Depozitele deschise la TBI Bank, implicit sumele depuse si dobanda acumulata, sunt garantate pana la echivalentul a 100.000 euro per deponent.
Spre deosebire de depozitele clasice, in cazul unui depozit online poti beneficia de o dobanda mai mare, care creste in functie de perioada pentru care alegi sa economisesti bani. In plus, este mult mai simplu si confortabil sa iti gestionezi depozitele online, fara drumuri la banca sau timp petrecut la cozi.
Totusi, pentru a reusi sa economisesti eficient si sa iti cresti veniturile, e bine sa tii cont de cateva sfaturi:
Planifica foarte bine bugetul;
Evita sa faci achizitii mult prea mari in comparatie cu venitul lunar si pe care nu le poti achita intr-o perioada de timp rezonabila;
Daca investesti banii la bursa sau in alt domeniu, precum cel imobiliar, asigura-te ca alegi un moment oportun acestor investitii;
Cauta alte surse secundare de venit, precum un job part-time, pentru a te putea bucura de o suma mai mare de bani in fiecare luna.
Citeste si Cum sa economisesti zilnic fara efort
Depozitul online reprezinta o metoda eficienta pentru a economisi si, in acelasi timp, pentru a-ti creste veniturile. Accesul usor la bani, lipsa comisioanelor percepute in mod obisnuit in sistemul bancar, siguranta veniturilor si a sumelor de bani depuse, dar si dobanzile aferente sunt doar cateva dintre avantajele unui depozit online. In plus, odata ce ai deschis un depozit online, poti incepe sa obtii profit inca din prima luna.
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