Nowa Lokata Praktyczna w Idea Banku

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Idea Bank

Idea Bank reklamuje się jako najlepszy bank dla firm, dlatego też co jakiś czas w jego ofercie pojawiają się bardzo atrakcyjne depozyty adresowane do osób posiadających działalność gospodarczą. Najnowszym produktem depozytowym adresowanym do przedsiębiorców jest atrakcyjnie oprocentowana Lokata Praktyczna. Warto się pośpieszyć, bowiem promocja obowiązuje jedynie do 1 grudnia 2012 roku.

Lokata Praktyczna to lokata z codzienna kapitalizacja odsetek, na której zarobić można nawet 6,11 %, co odpowiada oprocentowaniu wynoszącemu 7,77 % na tradycyjnej lokacie niepozwalającej na uniknięcie konieczności uiszczenia podatku Belki. Wysokość oprocentowania, jakie zaoferuje Idea Bank uzależniony jest od okresu zapadalności lokaty. Dla depozytów miesięcznych wynosi ono 4,51 %, dwumiesięcznych 5,01 %, trzymiesięcznych 6,01 %, sześciomiesięcznych 6,06 %, a dla dwunastomiesięcznych wspomniane wyżej 6,11 %.

Warto jednak uważać, gdyż wraz z nowym rokiem, zanosi się na zmiany w ordynacji podatkowej i będziemy zobligowani do zapłaty należnego podatku, bez względu na oprocentowanie. Tak więc podatku wcale nie zapłacimy jedynie w przypadku lokat 1-miesięcznych, które nie są oprocentowane na reklamowane 7,77%. Odsetki tej wysokości otrzymamy jedynie dla okresu 12-miesięcznego i to tylko do końca roku.

Minimalna kwota depozytu to 1 000 złotych, natomiast maksymalna 14 000 złotych. Bank nie stosuje jakichkolwiek ograniczeń, co do ilości depozytów posiadanych przez jednego klienta, dlatego też zdeponowanie większej kwoty nie stanowi problemu. Po upływie okresu zapadalności lokata może zostać automatycznie odnowiona, jednak warunki, jakie zaoferuje bank będą inne – szczegółowo warunki odnowienia dla poszczególnych okresów opisano w regulaminie lokaty. Decydując się na wycofanie środków przed upływem określonego w umowie terminu musimy liczyć się z utratą należnych odsetek.

By stać się posiadaczem Lokaty Praktycznej należy wypełnić wniosek online, który dostępny jest na oficjalnej stronie banku. Po jego złożeniu otrzymamy maila ze szczegółowymi instrukcjami na temat kolejnych kroków oraz numer konta, na jakie powinniśmy dokonać wpłaty. Dodatkowym warunkiem, jaki stawia Idea Bank jest przesłanie dokumentów potwierdzających prowadzenie działalności gospodarczej – co istotne muszą one dotrzeć najpóźniej w ciągu dwóch tygodni, gdyż w przeciwnym razie bank zerwie lokatę. Szczegółowe informacje oraz regulamin produktu znaleźć można na stronie Idea Banku.


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