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Wady i zalety lokaty progresywnej » Pisze o bankach

Wady i zalety lokaty progresywnej

by admin on Wed, May 24 2017 09:21:00

Jest wiele rodzajów lokat bankowych. Jedną z ciekawszych jest lokata progresywna. Dla wielu osób jest to bardzo interesujący sposób na oszczędzanie, ale jest też wiele osób, które unikają jak mogą tego rodzaju lokat.

Definicja lokaty progresywnej

Lokata progresywna jest pewnego rodzaju umową, jaka podpisywana jest pomiędzy dwiema osobami. Jedną ze stron jest bank, zaś drugą klient, który zdecydował się na tego typu lokatę. Jest ona ściśle związana z lokowaniem środków pieniężnych. W każdej chwili możemy dopłacić określoną sumę pieniędzy do kwoty jaka na samym początku znalazła się na lokacie. Jeżeli będziemy chcieli zdeponować nadwyżkę pieniędzy nie musimy na nowo podpisywać z bankiem umowy. Dopłaty do lokaty są określone przez bank w jakim zawieramy umowę. Oprocentowanie lokaty progresywnej jest zmienne i rośnie łącznie z wartością środków zgromadzonych na lokacie. Im dłużej mamy pieniądze na koncie tym bardziej wzrasta stopa procentowa.

Lokata dynamiczna, a progresywna

Lokata progresywna jest bardzo podobna do lokaty dynamicznej. Te druga, czyli lokata dynamiczna jest również umową jaka zawierana jest z bankiem i dotyczy pieniędzy, które będziemy lokować na lokacie. Z tej umowy możemy się wycofać przed końcem okresu trwania takiej umowy i co najważniejsze nie utracimy żadnych odsetek. Jest to bardzo korzystny sposób oszczędzania. Wiele banków uważa obie lokaty za jedno i to samo.

Lokata progresywna ma to do siebie, że z góry mamy określony czas na jaki zostaje podpisana umowa. Oprocentowanie w tym przypadku najczęściej jest zawsze stałe. W momencie założenia takiej lokaty możemy dowiedzieć się ile uda nam się zarobić w ten sposób. W przypadku lokaty progresywnej zyskamy niższe oprocentowanie niż w przypadku lokaty terminowej. Odsetki zaś zostaną podliczone na koniec zawartej umowy. Jest to jedna z największych wad tego rodzaju lokaty bankowej. Największą zaletą lokaty progresywnej jest to iż wcześniej można zerwać umowę bez utraty odsetek. Nie każda lokata daje nam takową gwarancję. Mimo to, nie warto zrywać takiej lokaty jest jednak mało opłacalne. Warto przetrzymać ją chociaż do drugiej połowy okresu jaki wskazany jest w umowie. Lokata progresywna jest jednak mniej opłacalna niż lokata terminowa. Należy się zastanowić, czy chcemy lokatę, którą możemy w każdej chwili rozwiązać, czy też odłożyć pieniądze na innej lokacie. Warto dokładnie sprawdzić jakie są warunki konkretnej lokaty progresywnej i zastanowić się czy się ona nam najnormalniej w świecie opłaci.

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