How to calculate interest from the amount of annual? How to calculate interest on the deposit of a loan under 5 per annum

Citizens seek to find the cheapest loan, under the minimum interest rate– five%. Of course, no one wants to overpay too much. Only not every loan on preferential terms is really profitable for the client. Some low-rate facilities hide hidden commissions, which makes a loan much more than similar proposals from other banks.

Whether a loan is under 5 per annum

Commercial banks today do not credit under 5%, since this rate does not even cover inflation. The percentage is established on the basis of the refinancing rate of the Bank of Russia. As of the spring of 2015, it is fixed at 8.25%. Its banks add a few percentage points to ensure their profits.

Institutions with state participation work not only for the sake of financial profit, but also to achieve social effect. The client should be understood that it is not so easy to get money at a bargain rate.

1. Most often, such a low percentage is set by software. That is, it is possible to spend money on a specific purpose fixed in the contract. The client must then provide confirmation of the expenditure of funds. Otherwise, the bank can raise the bid or even demand to fully repay all debt. Sometimes the money is not issued to the borrower in the hands, but are transferred to a third party account (the seller of mortgages, to the university for training, etc.).
2. The second negative point of profitable lending under 5% per annum is a large package of documents. From the borrower will need a lot of certificates, papers. Often the institutions are asked to confirm the availability of valuable property (real estate, vehicles, stocks, etc.).

Is it possible to get a loan at 5 percent per annum for 20 years

Credit under 5% can be obtained in the Foundation for Small and Medium Business Support. For example, in the Tula region, under such a sum, customers are invited to arrange a microzhem in the amount of 1 million p. The interest rate is in the range of 5-14.5% per annum. Additional loan commissions are not provided, the repayment schedule can be compiled according to an individual program.

To obtain a loan in a preferential rate from the client, you will need to provide a deposit or guarantee. The maximum term of the contract is 5 years. For a longer period, enter into a transaction on such conditions Fin. Mea institutions is not beneficial. It is quite difficult to predict the changes in the economic situation.

If you are interested in a loan for 20 years, take advantage of the mortgage loan secured by real estate. Credit 10% per annum with the provision of the client may be issued even in some commercial banks.

Where to make a loan under 5 percent per annum on construction or purchase of housing *

You can issue a profitable construction loan, but the rate will not be 5%, but an order of magnitude more. For example, in some Fin. Agencies Available is a loan of 12% per annum.

In Rosselkhozbank, and ready-made housing in the LCD Tsaritsyno clients can be purchased on credit under 7.5% per annum by the developer. When deviating from the requirements for the borrower, the rate can be increased to 14% per annum. For other objects of mortgage with state support, a rate is provided from 12%. The permissible amount is within 100 thousand - 3 million rubles. (for Moscow, St. Petersburg - 8 million rubles). The maximum loan period is 30 years, the first installment is from 20% of the real estate value. The commission for issuing money is not charged.

The Moscow Credit Bank offers customers a mortgage at a rate of from 7.77%. The maximum term of the contract is 20 years, the first installment is from 20%. We consider applications for the loan amount of 1-8 million p. The loan is issued without a commission for issuing money, with early repayment, the fines are not applied.

In the Russian Mortgage Bank, a loan for the purchase of secondary housing is issued at a rate of 10-14% per annum. Within the framework of this program, the borrower can get a loan in the amount of 500 thousand - 35 million rubles. The minimum rate is applied when concluding a contract for up to 3 years, if the deposit covers the loan amount several times.

These conditions apply to real estate, which:

• sold by customers of the bank;
• it is a mortgage property.

Insurance of purchased housing is carried out. Insurance of the life and health of the borrower or from working capacity is happening at the request of the client. However, a citizen's refusal in signing an insurance contract entails an increase in interest rate by 2%.

In the Zenit Bank there is a mortgage lending program with a subsidized interest rate. Borrowers can buy an apartment in the finished new building or real estate at the construction stage. The maximum loan period is 30 years.

The interest rate at the construction stage is set at 12%, after registration of documents for the borrower - 11.5%. The Commission upon receipt by the customer does not provide for funds. The purchased property is made in deposit. The bid when making a mortgage to some objects can be 10% (for example, in the cottage settlement "Primaver").

In Tatfondbank, the mortgage is issued against 11% per annum. The loan is issued for a period of 3-20 years. The maximum amount is 3 million rubles. (for Moscow and St. Petersburg - 8 million rubles). Preferential conditions are valid until 30.06.2015 for individual properties. The standard bid is from 12%.

Deltacredit offers borrowers a mortgage with state support for 11.5%. As the subject of the contract, an apartment is considered in a ready-made house. The initial fee is from 20%, the loan period is up to 25 years.

Khanty-Mansi Autonomous Bank offers mortgage to 11.55% clients. Such conditions are available when making a first contribution from 50% and the contract for up to 5 years. If the contract is for the period of 5-30 years, the rate rises to 11.95, while the borrower's personal participation can be 20% of the cost of housing. The minimum loan amount is fixed at 300 thousand rubles, the maximum - 3 or 8 million rubles. (for regions and Moscow, St. Petersburg, respectively).

In Promsvyazbank, the mortgage with state support is issued against 11.9%. The first installment ranges from 20%, the maximum allowable period is 25 years. Residents of Moscow and St. Petersburg (including areas) can count in the amount of up to 8 million rubles. In other regions there is a limit on the amount of the loan - 3 million rubles. The issuance of funds and early repayment does not provide for the collection of the Commission.

The Moscow Bank has developed a program "Mortgage with state support" under 12% per annum. The loan is issued for a period of 3-30 years, the first installment is allowed from 20%. The maximum amount for Moscow and the region is 8 million rubles, for the rest of the regions - 3 million rubles.

In the bank, the revival started the program "Apartment-New Building 2015". Customers can arrange a loan for 30 years at 12% per annum. The maximum amount is up to 8 million rubles. The size of the first contribution must be at least 20%.

Bank St. Petersburg also gives a mortgage with state support under 12% per annum. The maximum term of the contract is 25 years, the first contribution of the loan is 20%. Applications are accepted for the amounts of up to 14 million rubles.

Among the top financial fines are also there are also proposals to issue a loan under 15 percent per annum for 5 years. Here each client chooses for himself. Someone is credited to proven banks under higher interest, other citizens prefer the minimum rate.

Credit 3 per annum or 5 per annum: "Submarine stones"

Today, there are big competition among banks, therefore the choice of customers is quite large. To attract citizens to service, some institutions establish minimum credit rates. However, there are both banks that are trying to attract customers with cunning. Before signing the contract, specify which obligations you take.

Credit 7 per annum: Alternative to Sberbank *

Sberbank offers citizens "educational loan with state support" on preferential terms. The cost of the loan is calculated so. 5 percentage points are added to the refinancing rate of the Bank of Russia (8.25%). Thus, the state finances ¾ from the refinancing rate (this is 6.19%). Previously, this product could be issued at 5.06%. Today the rate is 7.06% (¼ * 8.25 + 5).

The loan can be issued for a period exceeding the duration of training for 10 years. The means are issued in national currency, the total amount is considered up to 100% of the required. The form of training is not limited, the proposal applies to the receipt of secondary and higher vocational education. A borrower can be a citizen over 14 years old. Persons under the age of 18, the loan is issued with the permission of guardianship bodies, guardianship. In addition, you will need a written consent of legal representatives.

The loan for education does not require guarantee, pledge and registration of insurance. Commission for issuance is not charged. The official website contains information that the solvency of the borrower when approving the loan is not taken into account. At the same time, for the period of study and the next 3 months, the client can take advantage of the payment:

• loan bodies;
• percent for the first or last 2 years of study.

The percentage delay is provided in the amount of 60% of the established amount for the first year, 40% on the second one. For the third year, interest must be paid on schedule. The loan body is subject to payment by equal parts after the end of the university + 3 months.

For registration of a loan for education in Sberbank from the borrower over 18 years of age, such documents will be required:

Faces under the age of 18 are additionally provided:

• certificate of your birth;
• passports of legal representatives;
• resolution of guardianship bodies;
• the consent of legal representatives.

Young families can also take advantage of preferential lending conditions in Sberbank. Mortgage with state support for the program "Maternal Capital" can be issued with a rate of 11.9%. The initial contribution ranges from 20%, the maximum term of the contract is 30 years. The loan amount is in the range of 45 thousand - 3 million rubles. (for Moscow - up to 8 million rubles). If necessary, co-coaches (no more than 3 people) are attracted, their income is also taken into account when determining the maximum available amount.

Preferential loans under 5% per annum for agrarians, probably the most anticipated news of this year. Few people believed that despite promises, it would still happen. Is it possible to take this new opportunity?

How to get a preferential loan for agriculture?

First, only agricultural producers are entitled to arrange it. It is necessary to be a legal entity or an individual entrepreneur.

The bank will want to see the data on your economic activity at least for 12 months.

Mandatory point - opening a billing account in a bank where you are going to get a loan. We recommend contacting first of all where you are already serviced. For today, Rosselkhozbank JSC, PJSC Sberbank of Russia, Alfa-Bank, PJSC Promsvyazbank, PJSC VTB and Gazprombank JSC are joined. In the near future, the agreements will be signed with the rest of 4 credit institutions: JSC "UniCredit Bank", PJSC "Bank Financial Corporation Opening", JSCB Rosbank and Raiffeisenbank JSC.

The objectives of the loan - the development of subproduces of crop production and animal husbandry, including the acquisition of agricultural machinery.

It will be necessary to make an advance from 15%. The term of the loan for the purchase of equipment on this program is 5 years.

Preferential loans may be issued to import and domestic equipment. The transaction is promised to arrange for 3-4 weeks. The bidder is the acquired technique. Sometimes banks require guarantee.

The program is possible early repayment. You can pay loans according to individual graphs depending, for example, from seasonal activity.

The list of documents for obtaining a loan for each bank is also distinguished by the requirements and conditions. For example, "Rosselkhozbank" has a delay of the repayment of the principal debt to the year, the so-called grace period during which the borrower pays only interest.

Let me consider payments to buy a tractor as an example:

"Belarus-2022.3" production of CHLMZ costs 3,960,000 rubles.

Advance 15% \u003d 594 000 rubles.

For 5 years, the same payments monthly payment will be 63,520.57 rubles, and the overpayment for 5 years will be equal to 445,234.2 rubles.

What risks can be?

To give you a preferential loan, the bank receives subsidy. For example, initially it is ready to issue loans under 15% per annum. 10 of them subsidizes the state, thanks to this, the agricultural producer in the end receives a loan at 5%. Naturally, the amount of subsidies is limited. The limit on the program for all Russia is 21.8 billion rubles. Therefore, now some banks already say that they are accepting applications, but they cannot guarantee the issuance of a loan under 5%. It may be formed and so that approve applications only on the largest projects. For example, in the Saratov region, banks recommend to make applications for amounts from 10-15 million rubles for a more likely to obtain a loan at 5%. In this case, the chances are only among major agroholds.

In addition, in each contract, there is an item that if the Ministry of Agriculture denies the payment of subsidies for the bank program, it will have to pay it a borrower, that is, the bid turns into commercial.

So, as the program will work in practice while it is not clear. We are waiting for the first issuance of loans in February.

If the preferential loan you did not get

If such a loan is still not possible, there are other features. For example, another program of preferential lending and leasing for the purchase of Belarusian technology with subsidies of a part of the interest rate in the amount of up to 100% refinancing rate, thus, the interest rate on loans will be about 5-6% per annum, taking into account subsidies.

Approximately 20% of Belagro customers buy equipment using financial programs: on credit, leasing, by subsidies, etc.

Credit under 5% per annum, according to the Decree of the Government of the Russian Federation 1528, can be combined, for example, with the program 1432 or acquire techniques in leasing. If you have any questions, ask them on the Begro website. We consider payments or offer the most profitable combined financing of your purchase of agricultural machinery.

I will also be glad to answer your questions on the page

Banker is a merchant. He buys money percentage of deposit at low price and sells them percentage of credit at higher. The difference obtained is its income.

Wishing to take loose more than those who want to put money under the percentage. Therefore, commercial banks can get a loan from TSB RFCentral Bank of the country. For September 2016 under "Key Rate"
(She is "refinancing rate")11% per annum . It is logical to assume that it is not very profitable to commercial banks contributiondeposits With the interest rate above this value. Exception can only make VIP clients - owners of factories, newspapers, steamboats.

For the rest of the high percentage of the contribution may be a marketing course, since it will be offset by various commissions.

How to calculate the amount that the depositor will receive if interest is attached at the end of the deposit period

Annual contributions

The person has discovered a contribution to 5,000 rubles at 9% per annum for 2 years:

per year: 5000 rubles is 100% x rubles is 9% x \u003d 5000 * 9/100 \u003d 450 rubles for two years: 450 rubles for 1 year x rubles for 2 years x \u003d 450 * 2/1 \u003d 900 rubles 5900 rubles the depositor will receive at the end of the term * What is 100? - "The percentage is a hundredth share of the number." Cm. .

Monthly contributions

The person has opened a contribution to 5000 rubles at 9% per annum for 3 months:

per year: 5000 * 9/100 \u003d 450 rubles in 90 days: 450 rubles for 365 days x rubles in 90 days x \u003d 450 * 90/365 \u003d 110 rubles 96 kopecks 5110 rubles 96 kopecks depositor will receive at the end of the term * 365 is. There will be 366 in the leap year.

Calculator calculating interest by deposit

the date	coming	amount on the score
	5000	5000

* Interest is beginning to be accrued from the day following the day of receipt of money in the bank, that is, with (Article 839 of the Civil Code of the Russian Federation).

How to calculate the profitability of the replenished contribution with interest paid at the end of the term

Percentage of replenished deposits below. This is explained by the fact that during the action of the contract on the contribution may decrease the refinancing rate and the contribution will cease to be beneficial to the bank. That is, the bank will have to pay a percentage of deposit higher than the percentage that creditors pay the bank.

Exception: If the contribution rate depends on the refinancing rate. In other words, the refinancing rate is growing - the interest rate is growing, the refinancing rate decreases - the percentage of the contribution decreases.

An example of counting interest on the replenished contribution

A person has discovered a contribution to 5,000 rubles at 9% per annum for 3 months. A month later, he put another 3,000 rubles:

per year: 5000 * 9/100 \u003d 450 rubles for 30 days: 450 * 30/365 \u003d 36,986 rubles the residue after 30 days: 5000 + 3000 \u003d 8000 rubles recalculated for the year: 8000 * 9/100 \u003d 720 rubles for the remaining 60 days: 720 * 60/365 \u003d 118,356 rubles Total percent amount: 36,986 + 118,356 \u003d 155 rubles 34 kopeck The total amount that the contributor will receive: 5000 + 3000 + 155.34 \u003d 8155 rubles 34 kopecks

Deposit Calculator with Replenishment

			make
the date	coming	consumption	amount on the score
	5000	0	5000
		0

How to calculate the percentage of deposit with capitalization. What is this: "Capitalization of the Deposit"

Interest may be paid:

1. total with [ ending | Termination | on the day of signing] contract for deposit.
2. the total amount is crushed into parts and is paid monthly, annually. The client can choose the most suitable option for itself:
   • with the periodicity specified in the contract or less often come to the bank and take the amount of accrued interest or automatically transfer them to a plastic card. That is, "live percent."
   • capitalization of interest, he is a complex percentage Calculate accrued interest to the deposit balance. Just as if you came on the day of interest accrual, they filmed the amount of interest and replenished her contribution. The deposit balance increases and it turns out that the percentage percentage is charged. Interest contributions to the capitalization of interest should be chosen to those who do not plan to remove the amount of percentages. This Council does not apply to deposits, where, according to the terms of the contract, partial removal in the amount of capitalized interest is possible.

Deposit Calculation Formula with Capitalization

S \u003d S × ⎛ ⎝ 1 + p × d 100 × D.⎞ ⎠ N s - the final amount that the contributor will receive, S is the initial amount, P is the annual interest rate, D - the number of calendar days in the period, D - the number of days in the calendar year, n - the number of capitalization

An example of calculating interest on the contribution of capitalization

On January 1, a person has discovered a contribution with capitalization by 5,000 rubles at 9% per annum on 6 months 180 days. Accrual and capitalization of interest occurs on the last day of each month.

5000 × (1 + 9/100 × 30/365) ^ 3 × (1 + 9/100 × 28/365) × (1 + 9/100 × 31/365) ^ 2 \u003d 5000 × 1,02235634396 × 1 Turn to the table above: 00690410959 × 1,01534609946 \u003d 5226,06

• 30 days will be in three months: January, April, June.
• 28 days can only be in one month - February.
• March 31 will be in March and May.

When calculating the number of days in the period, it is also necessary to take into account that if the last day of the term falls on non-working day, the end of the deadline is considered the closest working day following him (Article 193 of the Civil Code of the Russian Federation). Therefore, calculators laid out on the Internet will be close to reality, but they do not give 100% accuracy. How can I calculate income for 2 years when the production calendar is approved annually?

How to check the accrual interest in deposit accuracy to a penny

Technique gives failures. When there is an extract from the account, manually recalculate the interest relying to pay is not so difficult.

Example: On January 20, a person has discovered a contribution with capitalization once a quarter to 5000 rubles at 9% per annum on 9 months 273 days. March 10 replenished the score of 30000 rubles. July 15 removed 10,000 rubles. April 20, 2014 and July 20, 2014 fall on Sunday.

20.01-10.03: 5000*9/100*49/365=60,41 10.03-21.04: 35000*9/100*42/365=362,47 20.01-21.04: 60,41+362,47=422,88 21.04-15.07: 35422,88*9/100*85/365=742,42 15.07-21.07: 25422,88*9/100*6/365=37,61 21.04-21.07: 742,42+37,61=780,03 21.07-20.10: 26202,91*9/100*91/365=587,95

Are interest on tax deposits? What contributions are taxed?

I assume that the question of taxes may sound, why the corresponding calculator is not made.

Let us turn to the law (Article 214.2 of the Tax Code of the Russian Federation): If at the time of the conclusion or prolongation extension contracts up to 3 years percent of the ruble contribution exceeds in February 2014: 8.25% + 5% \u003d 13.25%refinancing rate by 5 percentage pointsT. deposit rate minus 13.25%percentage incomes above this value A citizen of the Russian Federation needs to pay 35% of the tax. The design of the relevant documents should be engaged in the bank.

In practice, no one puts percentage, above 13.25%:

Bankers predict a sad course for depositors - just that New Year's offers will not please customers, but also rates on deposits will most likely be devastated. Therefore, investing free funds are best now. We collected the best annual deposits in rubles in the top 50 banks of Russia with a rate above 9% per annum.

Better less yes better

Russians with sadness remember star rates under 20% per annum, with which the current interest on deposits, of course, will not be equal. The largest bank of the country has presented a new contribution in honor of his anniversary "most valuable" with an "elevated" rate of up to 8% per annum. It is clear that such a bet is extremely difficult to call profitable. Yes, and in other large banks you can find rates much higher.

For example, two banks immediately offer a bet of 9.75% per annum. In Russian Standard Banks and Trust, you can discover the contribution to the amount of 30 thousand rubles. for a year. There is one small "but" - the contribution of "its people" of the Trast Bank can be opened only when providing a promotional code that will receive those who will leave their phone on the bank's website.

Several banks offer a bet of 9.5% per annum: Absolut Bank, Moscow Credit Bank and Promsvyazbank.

In the top below, the bets are higher

According to the rules of the market, the smaller the bank, the higher the deposit rates. So we found a couple of interesting proposals in banks that are not included in the top 50, but nonetheless that are quite large players in the market.

Uniastrum Bank offers an annual contribution under 10.5% per annum in the amount of 10 thousand rubles. Moreover, if we put money in the bank for up to 271 days - the rate will be 11% per annum. And the International Bank St. Petersburg issued the contribution of "New Year's" at a rate of up to 10.5% per annum with a minimum amount of 500 thousand rubles.

However, do not forget that the opening of the deposit in a small bank is associated with certain risks. The Central Bank responds monthly to 10 licenses and has already reached banks from the top 100. Unfortunately, no one can guarantee that your bank will not be in the blacklist of the regulator. Therefore, approach the choice of the bank with all seriousness and responsibility, and most importantly - do not hold the funds at the deposit above the insured state of 1 million 400 thousand rubles.

Top 10 a year in large banks

Bank / Contacts	Rate	Amount (thousand rubles)	Time (days)	Vol. percent	Pop. / Frequently.
Russian standard/	9,75%	from 30.	360	at the end time	no no
Bank Trust/	9,75%	from 30.	367	at the end time	no no
Absolute/	9,5%	from 30.	367	At the end of the deadline	no no
Promsvyazbank /	9,5%	from 500.	367	At the end of the deadline	no no
Mosoblbank / P.	9,4%	from 300.	200	Every month.	well no
AK Bars/	9,3%	from 30.	365	Every month.	well no
BINBANK /	9,3%	from 300.	367	at the end time	no no
Renaissance Credit/	9,25%	from 30.	367	at the end time	no no
Credit Bank of Moscow/