If we consider the possibility of accumulating a down payment for a mortgage loan, which is an appreciable amount for the average family's budget in our country, bank deposits, as an instrument of savings, will be the first in any list. According to the analytical report of the company "Kreditmart" on June 1, 2010, we can talk about the six banks operating under the program loan to purchase housing in the primary market ("VTB 24", "Revival" RosEvroBank, Moscow Credit Bank, Sberbank, Gazprom Bank) and 21-bank financial institution, ready to make a loan to buy an apartment on the secondary market. However, not all of these institutions you will find an opportunity to issue a special deposit, intended to form the mortgage payment. Of course, even before the appearance of a bank financial institutions of special programs of accumulation of initial capital for housing loans to citizens used the possibility of deposits for this purpose. Frankly, the replacement of a special bank deposits to accumulate in the mortgage payment is difficult to find: a similar financial instrument, on the one hand, guarantees a steady income, partly compensates for the depreciation of money inflation mechanism, on the other - is not too risky, differing reliability. An additional advantage of special accounts is the ability to get better and better terms for a mortgage at the same bank where they were discovered. "If you try to think about other methods of storage available to the public, then we can talk about ordinary accounts (time deposits and current accounts) with banks, but the benefits of a mortgage in this case we would not - develops the theme of George Ter-Aristokesyants, vice- President, Head of the development of loan products and affiliate programs of the Department of mortgage lending, "VTB 24". - Alternative investments for the savings and growth funds are mutual funds or separate investments in securities on the stock market - these tools can potentially be more profitable than bank deposits, but it must be borne in mind and significantly higher risks of such investments. You can not only save, but to lose. " If the study of sources down payment to buy an apartment to go further, you can add to the listed options and the possibility of obtaining financial support from the state. In order to increase the affordability of housing for young families constantly, both in the capital and in the small towns of our country, today announced the government is seriously working with the program. "The source for a down payment can serve as state subsidies - confirms Dinara Yunusov, vice president of development bank DeltaCredit. - Availability of public subsidy reduces the initial capital requirement to 10%, and in regions where housing subsidies are well developed, the proportion of such customers is extremely important. " It should be noted, however, that even a reduction down payment does not eliminate it entirely, which means that the issue of accumulation of money is important. Let's say you decide to open such a deposit. Here the question arises as to which option is best for the contribution of the most rapid formation of the account amounts sufficient for the down payment. According to Dmitry Sapronov, Director of Product Development Directorate of OTP Bank, for the purpose of storage is best to select deposits with recharge during the term. This will help in selecting the most optimal time for the customer to obtain higher rate than the deposit, with the ability and the replenishment and partial withdrawal. Current proposal from banks deposits in the mortgage is divided into two groups. The first of these contributions are specifically designed to accumulate money for a down payment for an apartment and providing for the possibility of preferential cooperation with a bank customer in the process of issuing a home loan. The second group includes deposits that are intended to accumulate a large amount in the account to "weight" of the purchase, but does not provide for special discounts or events to future holders of mortgage contracts, even decorated in the same bank financial institution. In order to visualize the possibilities, and those and other special contributions, let us compare a few programs in existence in the deposit market. For the classic version of the first type include savings deposits, "VTB 24" entitled "Mortgage Savings" and "Mortgage Index". The minimum deposit to open an account in both cases for the potential investor will be 50 000 rubles. Savings in these examples are only possible in the domestic currency. Of course, that the options include a multiple deposit account deposit, the minimum amount which is equal to 3,000 rubles. However, in calculating the percent of finished between these contributions are significant differences. In the case of "Mortgage Savings" deposit interest rate is fixed, depends only on the amount that the customer has placed in your account. For example, if you now open this deposit of 50 000 rubles. for 2 years, the annual interest will be equal to 4.75%. If we are talking about the "Mortgage Index", then rate it will depend on the policy of the Central Bank as an annual percentage calculated as follows: "CBR refinancing rate minus 2.75%." For example, in the amount of 50 000 rubles., Posited in the bank for 2 years, according to this principle today will be charged 5% per annum. In other words, this market situation, the interest rate will be higher than the "fixed" program. However, the client always bears the risk that the situation at any moment can change for the worse. Deposit options relating to the second type, a lot: a lot more than the first. In particular, we consider the savings program of the Bank "Revival", which allows to create a debit account for a large amount of purchase. The contribution of the so-called - "Universal". He called for one, two or three years. The minimum fee is 3,000 rubles., Maximum - 5 million rubles. The interest rate depends on the period for which this deposit is open, but ranges from 6.25% to 6.75% per annum. For a more visual comparison of some existing programs, all data in the table. To summarize our review of the existing bank deposit policy, it must be said that the main advantage for any consumer - a choice - this market and is currently maintained. Another thing is that to get the pre-crisis rates have for a long time, but this is relates to the whole banking sector.
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