The government, the parliament and the new state court have the parameters of the building society so that decision-making is not easy for clients first. But there is one simple rule: do not terminate the contract.
If you have a contract young than six years, for which the so-called rare period has not expired, the building savings will not pay off. You would not only want the full amount of support, but you would also have to pay a penalty fee. This ranges from 0.5 to 0.9 percent of customs duties for individual savings banks.
In the case of a contract older than six years, it is definitely worthwhile to look at the various alternatives.
“Due to the due date, the building association can be considered a closed term deposit,” said Josef Rajdl, chief analyst at the consulting company Fincentrum. Therefore, if you find a suitable product in banks or camps, the old building savings contract will fall.
“The main criterion in the year is for building savings contracts. If the rate is two percent, the client will transfer the pension to a savings bank with a similar appreciation with immediate liquidity, ”adds Rajdl.
However, if the client has a one-year rate, it can pay off for him to stay with the building society. “In such a case, it is advisable to blame and use a suitable year at least until market conditions bring interesting safety value in other products,” says Rajdl.
The contract is bad on the date
In the amount of support for building savings gradually decline. Contracts concluded before 2003 had a total support of 25 percent of the savings, up to 4,500 crowns.
Since 2004, support has decreased by 10 percent. The people could get the most thousands of crowns, or 15 percent of the money.
The support for 2010 was left to the state court in its decisions in the original, for 2011 and years, but the support for all could be unified to 10 percent of the savings, the maximum will be two thousand crowns. The bag will have to be re-enforced by the government in parliament. The Cabinet is likely to re-enforce the tax on client deposits and support of 15 percent from the year.