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Эксперт рассказал, какие вклады выгодно делать при высокой ключевой ставке

Ýêñïåðò ðàññêàçàë, êàêèå âêëàäû âûãîäíî äåëàòü ïðè âûñîêîé êëþ÷åâîé ñòàâêå

Ñðåäà, 25 ñåíòÿáðÿ. «Êðûì 24».

Öåíòðàëüíûé áàíê ÐÔ ïðèíÿë ðåøåíèå î ïîâûøåíèè êëþ÷åâîé ñòàâêè íà 100 á.ï., òî åñòü ñ 18% äî 19% ãîäîâûõ. Î òîì, âûãîäíî ëè â òàêèõ óñëîâèÿõ äåëàòü âêëàäû, ðàññêàçàë èíòåðíåò-èçäàíèþ «Ïîäìîñêîâüå ñåãîäíÿ» êàíäèäàò ýêîíîìè÷åñêèõ íàóê Àëåêñàíäð Àáðàìîâ.

Êàê îòìåòèë ýêîíîìèñò, ïåðèîä ðîñòà êëþ÷åâîé ñòàâêè ÿâëÿåòñÿ óäà÷íûì âðåìåíåì äëÿ ñîâåðøåíèÿ áàíêîâñêèõ âêëàäîâ. Ïðè ýòîì, ïî ñëîâàì Àáðàìîâà, ñëåäóåò îáðàùàòü âíèìàíèå íà òî, ÷òî áàíêè ñòàëè èíäèâèäóàëèçèðîâàòü óñëîâèÿ äåïîçèòíûõ ñîãëàøåíèé ñ âêëàä÷èêàìè.

«Ñåé÷àñ âî ìíîãîì âñå ñòàëî çàâèñåòü îò òîãî, âíîñèòå âû ñòàðûå èëè íîâûå äåíüãè, ïåðåêëàäûâàåòå â íîâûé äåïîçèò ñòàðûå äåíüãè. Íà ñàìîì äåëå, â ðåàëüíîñòè ãðàæäàíå íå ïîëó÷àþò òåõ âûñîêèõ ñòàâîê, î êîòîðûõ áàíêè çàÿâëÿþò ïóáëè÷íî. Ê ýòîìó íàäî îòíîñèòüñÿ âíèìàòåëüíî, êîãäà âû ðàññ÷èòûâàåòå óñëîâèÿ âêëàäà. Ïðè ýòîì ñåé÷àñ ýòî íàèáîëåå âûãîäíîå íàïðàâëåíèå âëîæåíèé íà ðûíêå», — îòìåòèë ýêñïåðò.

Êàê äîáàâèë Àáðàìîâ, ïîñëå èñòå÷åíèÿ ñðîêà äåïîçèòà â áàíêå êëèåíò íàäååòñÿ ïåðåçàêëþ÷èòü ñîãëàøåíèå íà íîâûõ óñëîâèÿõ.  òàêèå ìîìåíòû äîâîëüíî ÷àñòî âûÿñíÿåòñÿ, ÷òî íà ñàìîì äåëå ñòàâêè ïðåäëàãàþòñÿ íå òàêèå âûñîêèå, êàê òå, ÷òî çàÿâëåíû áàíêîì. Ýòî îáúÿñíÿåòñÿ òåì, ÷òî áàíêè, êàê ïðàâèëî, äàþò áîëüøèå ïðîöåíòû ïî âêëàäàì äëÿ íîâûõ êëèåíòîâ, à íå äëÿ òåõ, êîòîðûå ïåðåîôîðìëÿþò äåïîçèò.

«ß äóìàþ, ÷òî âûãîäíû êðàòêîñðî÷íûå âêëàäû ïðèìåðíî íà òðè ìåñÿöà, ïîòîìó ÷òî íåïîíÿòíî, ÷òî áóäåò ñ ïðîãðåññîì ñòàâîê äàëüøå. Òàêæå ìíå êàæåòñÿ, ÷òî íàèáîëåå ïåðñïåêòèâíû êðàòêîñðî÷íûå âêëàäû, ïîòîìó ÷òî ïî áîëåå äîëãèì âêëàäàì áàíêè çàíèæàþò ñòàâêè», — ðåçþìèðîâàë ýêîíîìèñò.

Ðàíåå ýêñïåðò Àëåêñàíäð Àáðàìîâ ðàññêàçàë, ìîãóò ëè ðîññèÿíå ïîòåðÿòü äåíüãè èç-çà íàëîãà íà âêëàäû.

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Ïî ñëîâàì ýêîíîìèñòà, óïëàòà íàëîãà ñ äîõîäà ïî âêëàäàì êîñí¸òñÿ òåõ, ó êîãî ýòîò äîõîä ïðåâûøàåò 150 òûñÿ÷ ðóáëåé. Ïðè ýòîì áàçîâàÿ ñòàâêà ñîñòàâëÿåò 13% ñ ñóììû ïðîöåíòíîãî äîõîäà, êîòîðàÿ ïðåâûøàåò ÍÏÄ. Òàêæå ðàçìåð íàëîãà ìîæåò âîçðàñòè äî 15%, åñëè îáùèå ïðîöåíòíûå äîõîäû çà ãîä ñîñòàâëÿþò áîëüøå 5 ìëí ðóáëåé.

«Íàëîã ñóùåñòâóåò, íàäî ïðîñòî êàæäîìó, ó÷èòûâàÿ ñâîè äîõîäû è ðàçìåð âêëàäîâ, ïîñìîòðåòü – ÿâëÿåòñÿ ëè îí ïîòåíöèàëüíûì ïëàòåëüùèêîì, ïðîâåðÿòü óâåäîìëåíèÿ îò ÔÍÑ. Òåîðåòè÷åñêè ýòî âîçìîæíî, äëÿ êðóïíûõ ñóìì ìîãóò âîçíèêàòü íàëîãè. Ìíå êàæåòñÿ, ÷òî äëÿ óìåðåííûõ ñóìì âêëàäîâ äî 1-2 ìëí ðóáëåé, íàâåðíîå, ýòî íå òàêèå ñòðàøíûå íàëîãîâûå ðèñêè. Ýòî íå íàöåëåíî íà ñðåäíåãî âêëàä÷èêà, ýòî íàöåëåíî íà ëþäåé ñ áîëåå âûñîêèìè äîõîäàìè, – ïîä÷åðêíóë ýêñïåðò.

Èñòî÷íèê: https://crimea24tv.ru

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