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Lokaty są dla wszystkich » Pisze o bankach

Lokaty są dla wszystkich

by admin on Thu, Sep 11 2014 08:31:00

Lokata bankowa to obok kredytów bankowych i kont bankowych jedna z najczęstszych rzeczy, którymi zajmują się banki. Rzecz jasna - gdyby nie lokaty bankowe, nie istniałyby także najpewniej kredyty bankowe i banki w takiej formie, w jakiej je znamy. Najkrócej rzecz ujmując - banki udzielają swoim klientom kredytów na podstawie (w ogromnej mierze) lokat bankowych i zysków, jakie dzięki nim bank zyskuje. Wówczas bowiem, gdy przekazujemy środki na lokatę bankową - zobowiązujemy się, że przed upłynięciem danego okresu nie będziemy z niej korzystać. Oczywiście jest to możliwe - wówczas jednak stracimy zarobek. W tym okresie właśnie bank ma możliwość operowania naszymi pieniędzmi. To zaś pozwala mu na uzyskiwanie zarobku. Część z tego zarobku przekazywana jest nam - właścicielom danej lokaty. To tak zwane odsetki na lokacie. Ich wielkość zależna jest od wielu rzeczy. Przede wszystkim od sytuacji na rynku, od długości trwania lokaty, także od kwoty, jaką wpłacamy na lokatę. Im dłuższa lokata i większa kwota - tym przeważnie i większy zarobek dzięki odsetkom. Nas przed podpisaniem umowy o lokatę z bankiem interesować powinno właśnie tych kilka rzeczy. Przede wszystkim - wielkość odsetek, jakie uzyskamy za powierzenie bankowi pieniędzy. Po drugie zaś - długość trwania umowy z bankiem. Jeśli bowiem podpiszemy umowę na naprawdę długi czas - w tym okresie nie będziemy mogli podejmować z lokaty żadnych środków (chyba, że chcemy stracić nasze odsetki). Gdy już mija dany okres - lokata albo jest przedłużana, albo zamykana, a środki trafiają z powrotem do nas.

To są cechy wspólne dla lokat.

 

Nikt jednak nie powiedział, że każda lokata jest taka sama i każda lokata pozwoli nam zarobić tyle samo. Oczywiście różnice są czasem wprost gigantyczne. Przede wszystkim - istnieją lokaty zarówno dla młodych, posiadających niewiele pieniędzy, jak i lokaty dla przedsiębiorców, czy lokaty dla bogatych osób, które chcą dzięki majątkowi utrzymywać się, lub też pozostawić duży spadek swoim potomkom.

A jeśli lokata – to jaka?

Lokata rentierska czy negocjowana to na przykład lokaty, które skierowane są dla osób z dużym kapitałem. W przypadku pierwszym - lokata taka pozwala na otrzymywanie co pewien okres odsetek, bez konieczności oczekiwania na koniec samej lokaty. Dzięki temu możemy utrzymywać się co miesiąc z samych tylko odsetek z naszego kapitał. Lokata negocjowana to natomiast lokata, w przypadku której zarówno klient jak i bank starają się dojść do porozumienia co do warunków lokaty - taki klient jest ważny dla banku. Przedsiębiorcy mogą natomiast starać się o lokatę typu overnight, która pozwala na lokowanie w banku naszych pieniędzy tylko na noc, rano zostają znów zwrócone na konto naszej firmy. Zwykli klienci mogą natomiast zastanawiać się nad lokatami długoterminowymi, krótkoterminowymi, czy też lokatami progresywnymi. Typów lokat do wyboru jest wiele. Wybierzmy więc mądrze, by ta decyzja w przyszłości dała jak największe plony.

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