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Building Savings  |  December 12, 2011 13:50:55

The building society without charge for contract 4% interest and already know? December 12, 2011 1:50:55 p.m.

Building savings is one of the most frequently used savings products in the Czech Republic, at the end of 2010, building societies registered 5,409,952 total building savings contracts. The main reason for the contract is advantageous for the citizens of the state aid that even after the reduction of interest is 2 000 CZK a year. In addition to state support for clients, however, there are other benefits.

When the state gives you a 10%

Building savings in recent months enjoyed the attention, which would probably not even worth. We are talking about and discussed and then approved by the reduction in state aid of CZK 3 000 per year to 2,000 per year. Although unclear at the time development has entered into an inhabitant for the first three quarters this year, about 329,000 new contracts on building savings. The greatest interest in this product is traditionally at the end of the year when owners can draw on these contracts with public support for the past year.

Despite its reduction, however, state support for building savings of 2 000 CZK not the greatest contribution that the state provides financial product (eg for pensions the maximum contribution of CZK 150 per month, ie. 1 800 CZK per year).

One can only earn

Building savings is a conservative product (the credited interest simply can not lose) with an interesting assessment, which usually moves over interest rates, which are interest bearing current accounts and most savings accounts. Especially at the end of the building society can get even with the "addition".As an example, consider the Blue Pyramid Building Society, with the new contracts offer a standard 2% interest, special interest 2% for 12 months plus a premium to 2 000 CZK, which can be understood as a reimbursement fee contract for construction savings.

A practical example

If you close the building society at the Blue Pyramid building society to the end, you are entitled to full state aid for 2011, ie. 10% of invested assets, maximum of 2 000 CZK. So if you want to get full state support, send it to the building savings contract amount of CZK 20 000. Thereafter, these 20 000 CZK, including additional funds sent to your contract for building savings during the first 4 months remunerated for 12 months a premium interest rate of 4%, then the building society will also be granted a premium of up to CZK 2 000.

After the first year of building savings contract will therefore have to contract for its construction savings amount of CZK 22 700

20,000 (your deposit) + 2000 (state aid) + 680 (interest on deposit - withholding income tax) + 20 (interest on state aid)

In the first year you are then evaluated by means of 13.5%.

Note for clarity the calculation was calculated with the evaluation of resources sent during the first four months of the contract

Yes, to get state aid is necessary duration of the contract for 6 years. The money saved on building savings, but you can choose at any time, even without state aid, then it is an interesting assessment.

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