When searching for a profitable interest rate on bank deposits, most people are confident that the main choice is made between the risky deposit and its interest rate. Moreover, the connection between them is directly proportional.
It is understood that the higher the interest rate, the less stable the bank is that this contribution is offered. The logic in this case is simple: attracting funds at rates that are higher than market ones, according to the idea, should indicate an acute shortage of funds that the bank experiences. There is a point in this logic, however, to say that such a situation is the only true one is impossible. This is just a special case, one of many reasons because of which they raise the bet. Often profitable deposits in banks appear for completely normal reasons.
First of all, it is worth finding out whether the appearance of such a bet with some anniversary or holiday is connected. Very often, the bank for advertising reasons holds a variety of shares that are confined to memorable dates. For example, your own birthday very often makes it possible to put a short -term contribution at an increased rate. Of course, this is done in the calculation that you prolong the contract and at a less interesting percentage. However, no one will force you and this will not prevent you from transferring money to where a more favorable contribution to rubles and interesting conditions is possible.
Very often a contribution to good interest can be made thanks to changes to the market of bank deposits. Changing the markets leads to the fact that the rates fall or grow, but in the banks themselves they do not occur at the same time. There are always institutions that are in a hurry or are a little late. As a result, if you carefully monitor the dynamics of bets, you can catch the moment when even the most reliable and large bank does not have time to respond a little to the situation on the market and you can make a contribution to a good percentage. Nobody, of course, says that the bet is very high, but 1-2% is quite a possible result.
An interesting, but already quite risky option, are high rates, which are given by banks of their actively growing and growing their capital, and now adequately increase their assets. Their need for resources is due to the natural desire to increase their market position and they go to certain concessions to their depositors, setting high interest rates.