Открыл вклад — забыл о квартплате

Открыл вклад — забыл о квартплате

Как использовать банковские технологии в быту

Открыл вклад — забыл о квартплате
фото: Геннадий Черкасов

Россияне привыкают понемногу откладывать деньги. Молодежь собирает на будущее, старшее поколение по привычке — на черный день. При этом большинство хранят заначку в банках. Ведь на сегодняшний день депозиты — один из самых надежных способов сбережения. Тем более сбережения на сумму до 1,4 млн руб. защищены системой страхования вкладов. Но далеко не все знают, как с умом можно использовать и другие банковские технологии.

Напомним, сейчас банки предлагают клиентам несколько вариантов получения процентов по вкладу: в конце срока, ежемесячную капитализацию (прибавление к сумме депозита) и ежемесячную выплату процентов на счет или карту.

Сейчас клиенты явно недооценивают вклады с ежемесячной выплатой процентов на отдельный счет или пластиковую карту. А зря, ведь воспользоваться заработанными деньгами можно сразу, не дожидаясь окончания вклада. В текущей ситуации этот тип вкладов является одним из достаточно привлекательных, ведь получить доход по нему можно сразу.

«Современные финансовые технологии позволяют эти ежемесячные поступления использовать на оплату ваших текущих счетов в автоматическом режиме. Например, таких, как оплата телефона, услуг ЖКХ, телевизора и Интернета, электроэнергии», — сообщил первый заместитель председателя правления банка «Русский стандарт» Евгений Лапин. По его словам, средний размер депозита с ежемесячной выплатой процентов в портфеле банка — около 856 тыс. руб. При размещении такой суммы на год клиенты могли получить в крупных банках в октябре ставку около 7,5–8,5%. То есть каждый месяц клиенту будет приходить примерно 6 тыс. руб. процентов на счет или банковскую карту. Если сделать расчет на меньшую сумму, например, депозит 300 тыс. руб. на год, также под 7,5–8,5%, то ежемесячно выплата будет составлять около 2 тыс. руб.

Заработанные средства можно потратить на ежемесячные платежи по бытовым счетам. Например, для автоматической оплаты одинаковых по сумме счетов настраиваем в своем банке (или в интернет-банке) регулярный платеж с карты, на которую получаем проценты по вкладу. Одинаковую сумму каждый месяц чаще всего люди платят за услуги интернет-провайдера и цифровое телевидение, за городской или мобильный телефон. Банк по вашему заявлению будет сам автоматически делать эти оплаты за вас.

А если суммы в счетах каждый месяц разные (например, ЖКХ, электроэнергия, налоговые начисления), то можно подключить автоплатеж. В этом случае банк раз в месяц автоматически проверяет наличие выставленных счетов на имя клиента, затем высылает эсэмэс с суммой квитанции, а потом оплачивает ее автоматически.

Отметим, что поступления на карту процентов по депозиту будут производиться банком в один и тот же день. Так что обратите внимание, чтобы все автоплатежи и регулярные платежи были настроены на более поздний срок, когда деньги на карту уже поступили. Если на ежемесячную оплату счетов клиент тратит чуть меньше, чем получает, то всегда можно воспользоваться лишними деньгами. А если наоборот, ваши ежемесячные расходы на оплату бытовых квитанций больше, чем сумма процентов по депозиту, то вы можете легко пополнить свою карту или счет недостающими деньгами.

Теперь финансовые технологии позволяют полностью автоматизировать оплату ежемесячных счетов. Так что теперь мы можем застраховаться от штрафов и пени, и главное, нас с вами больше неожиданно не отключат от Интернета или мобильной связи. Конечно, данные услуги могут быть как платными, так и бесплатными, необходимо уточнять тарифы у банка при подключении. Но автоматическая оплата счетов чаще всего обходится клиентам дешевле, чем такой же платеж в офисе банка.

Источник: mk.ru

147 комментариев

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