Carefully study the deposit terms and conditions offered by the bank.
Decide in which currency you want to make a deposit. The most profitable (with high interest rates) are deposits in the national currency. In foreign currency, the interest rate is much lower, but such deposits are less vulnerable to inflation.
Deposits can be opened in both local currency (soum) and foreign currency (US dollar).
This is a convenient product for those who want to save money on a regular basis, for example every month. In SQB these deposits are Classic, Yuksalish and Kelajakka sarmoya (the last one is a foreign currency deposit).
The term is a very important factor when choosing the right deposit. To avoid making a mistake, you should understand when you might need the money. If you want to withdraw all or part of your savings before the end of the term, you may lose interest. If you are sure that you will not need the money for a long time, choose a deposit with a maximum term - the interest (your profit) is higher in such deposits. In SQB these are Ishonch and Capital (the latter is a currency deposit).
Yes, there is. In the latter case, there is usually no interest or minimal interest.
Generally speaking, they are two identical instruments - in both cases the customer receives income in the form of interest. The only difference is that a deposit can only be money in any currency, and a deposit can also be financial deposits (in the form of precious stones, gold, futures), shares and various bonds, money. In the case of individuals, the concepts of deposit and deposit are practically the same, since we are talking about placing the client's money in the bank. In the case of companies, the term "deposit" is more commonly used.
Yes, this is the "Kelajakka sarmoya" deposit in the JOYDA application.
The interest is calculated on the basis of the actual number of days in the current month. For example, there are 31 days in January and 28-29 days in February. On this basis, the amount of interest will be different.
Capitalisation of deposits is not available at the moment.
You need to download the JOYDA application and register with your phone number. Then you need to confirm your identity by passport series and number or PINFL.
