Waiting for a new regulation of interest rates European Central Bank (ECP) It affects the profit Chronic depositSome banks continue to surprise the downward course. European companies have improved their salary in the cutting of wage, Clarna and Unite.
In particular, the market expects to host the seventh decrease in the ECP types on April 17, which will leave the simplicity of the deposit at 2.25%. In addition, the European Bank has begun, considering these perspectives and currency flexibility that began in June 2024, and it has significantly reduced the passing interest in the payment. Householder.
In this way, the average rate in the Europe was 2.21% in February, compared to the ECP compared to 3.17% registered in the same month of 2024.
Yet, some deposits offered by European banks in the Spanish market are less than 3% TAE, which is an opportunity for the savers Standard term products In an unstable environment.
In these ways, Marta Pinido, director of Rice’s Spain, points out that “the current varieties are more superior than we have seen in the decade of lower types (2012–2022).” “Make sure good profit is important Protect the value of money“European Bank Products adds to the head of the site.
“In the case of Spain, the new tensions have been added to the global trade for this money situation. In the case of Spain, the US fees imposed on Olive oil affects the major sectors such as olive oil, steel and ceramics, ”says Binido, he says, he says, “Stock market does not provide peace of mind”.
As for the expert, this environment is calling for the action for the savers. “Despite the recent slopes of the ECP, the current profit is greater than the average of the last decade. We do not know how long they will be at these levels, so those who want to protect the value of their money and avoid the loss of buying power should not wait for the ECB to continue to reduce the continued reducing. Make sure the attractive profit”, He says.
These banks have improved the profit of their deposits
Some companies have been promoted in this context Improve the profit of your deposits. Clanna, a Sweden, has earned a revenue of 2.22% from 1.9% of its standard deposits in 6 months. In the meantime, Lithuanian wages now pay 2.61% to 12 months, from the previous 2.3%.
Finally, you Interest has improved in six offers For a long time: compared to the previous 2.38%, the tank pays 2.45% TAE a year; In 18 months it offers 2.46 TAE, from 2.4% they paid before; The two -year rate is 2.54% TAE, compared to the previous 2.44%; Interest reaches 2.6% SAE for three years, before 2.5%; 2.4%of the age of four, from 2.25%; Also, the current rate of five years is 2.4% TAE, compared to the previous 2.2%.
European Depository that pays more interests
In spite of these improvements, these deposits do not guide the list of most paid by rice, which collects offers Bank products of European banks If all the deadline is collected, you can hire the hand of the banking system for up to 10 years up to 2.97% TAE on the platform. Second, Panga Progeto offers 2.78% ABR and Pvtpanka A 2.76% Day two years.
However, these deadlines are a Combination To consider that the money and the customer will not allow these products for a very long time Initial cancellationSo its liquidity is completely blocked.
In short terms, the new wage rate leads to the same period of the same period between other deposits, just like 12 months. At the same time Panga Progeto is one of the six months.With 2.61% TAE.
