The financier called the depositors' mistake in lowering rates

After the Central Bank of Russia lowered the key interest rate, many depositors began to look for more profitable financial instruments, but haste in such decisions can lead to losses. This was announced on November 3 by Elmira Assiaeva, Associate Professor of the Department of Global Financial Markets and Fintech at Plekhanov Russian University of Economics.

According to her, upon early termination of the agreement, the bank recalculates the yield at the "on demand" rate, which usually does not exceed 0.01–0.1% per annum. Thus, the depositor loses almost all the accumulated profit if the deposit rate was at the level of 18-20% per annum.

The expert noted that the "superstocks" offered by banks are often valid for only a fraction of the amount or require additional conditions to be met, such as maintaining a certain turnover on the card.

"In addition, if the deposit has been opened recently, then even a slight increase in the rate on the new offer will not compensate for the loss of interest already accrued," Assiaeva said in an interview with the Prime agency.

Assiayeva recommended carefully studying the terms of the agreement and thinking over a strategy for allocating funds on different dates and instruments, rather than acting impulsively due to marketing campaigns by banks.

Make your bet: The Central Bank may lower the key to 13% by the end of 2026

Will it be possible to achieve the inflation target and avoid hypothermia in the economy

On October 30, the head of the Central Bank of the Russian Federation, Elvira Nabiullina, pointed out the attractiveness of the ruble for savings. According to her, the key rate slows down inflation through the strengthening of the ruble. If the ruble has to be artificially weakened, then the key rate will need to be raised.

All important news is on the Izvestia channel in the MAX messenger.