According to him, clients are promised higher interest on deposits and lower interest on loans. But in fact, one should not forget that banks, as a rule, simply announce the most favorable conditions, the expert told the Prime agency.
Badalov recalled that banks are especially interested in the inflow of money from citizens who received pre-New Year bonuses at the end of the year and do not know how to dispose of them. In addition, during this period the deposits of many clients become due and it is quite natural that credit organizations want to keep old depositors.
However, as Badalov warns, in search of profitable offers, one should not fall for the tricks that banks use. For example, the highest rate can start from a million rubles or with a contribution only for a period of several years.
Also, don’t forget about the interest rate mix. The bank may promise a high interest rate for only part of the deposit period, and then the rate will return to normal values. Also, you should carefully consider deposits, where the final result depends on the investment component, which is unpredictable.
Earlier, economist Aleksey Krichevsky explained that, under certain circumstances, the Russians have the right to partial repayment of the loan and even full “forgiveness” of the debt. In particular, it is possible to default on the loan if it was insured and an insured event occurred. We are talking, for example, of serious injuries for which a person has been temporarily incapacitated or has received a disability. In this case, the debt will be paid by the insurance company.