Last week, the Central Bank announced a reduction in the monetary policy rate, from 100% to 80%, and eliminated the minimum than the banks they have paid for freezing deposits fixed term. After the measure, yields dropped sharply, having stood at 110% until a few days ago. 9.10% per month.
The rates that banking institutions pay for an investment of this type have fallen sharply, most paying a TNA of 70%, which means a 5.83% for freezing a deposit for 30 days. Only one entity has a nominal annual rate of 75%, or 6.25% per month.
The Ualá virtual wallet, which offers the possibility of setting fixed conditions via Ulilo, It’s the one that performs best, with a rate of 77%, i.e. 6.41% interest for freezing a deposit for 30 days.
These rates are well below inflation, which in February, for example, was 13.2%, and it is estimated that it will not reach the single digit yet.
Fixed term: bank by bank, what is the TNA and the interest you pay per month
- Ualawith a TNA of 77%pay for one-month internships: 6.41%
- Macros: pays a nominal annual installment of 75%, i.e. for a 30 day deposit offers a interest of 6.25%.
- Comafi: offers a rate of 71%, i.e. a 5.92% at 30 days.
- ICBC, Galicia, Province, BBVA, Banco Ciudad, Santander, Credicoop, Mortgage AND HSBCTNA 70%: Pays 5.83% for a one-month placement.
Ualá is right: the fixed term is established through Uilo – financial entity with banking license – from $400,000the interest it gives will be $25,664 per month.
So, to form a fixed term in institutions offering a TNA of 75%, the interest that will be received for freezing the same amount It will be $25,000 completed the month.
Comafi on a fixed-term basis for 400,000 dollars, makes approximately 23,280 dollars in 30 days.
By depositing the same amount in a bank that pays a TNA of 70%, the interest paid per month is: 5.83%. So, by putting $400,000 in a fixed term in 30 days you will receive $23,320.
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Source: Clarin
