Last week, the Central Bank announced a reduction in the Monetary Policy rate, from 100% to 80%, and
eliminated the minimum
that banks
paid to freeze
fixed-term
deposits
.
After the measure, yields dropped sharply, which until a few days ago were 110%, or
9.10% per month
.
The rates that banking entities pay for an investment of this type dropped abruptly, most pay a TNA of 70%, which means
5.83% for freezing a deposit for 30 days
.
Only one entity has an annual nominal rate of 75%, or 6.25% per month.
The Ualá virtual wallet, which offers the option of setting up fixed terms through Ulilo,
is the one with the best performance,
with a rate of
77%,
that is, 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 yet reach single digits.
Fixed term: bank by bank, what is the TNA and the interest you pay per month
Ualá
, with a
TNA of 77%
, pays for one-month placements: 6.41%
Macro
: pays a 75% nominal annual rate, that is, for a 30-day deposit it offers an
interest of 6.25%.
Comafi:
offers a rate of 71%, that is,
5.92% for 30 days.
ICBC
,
Galicia,
Provincia, BBVA, Banco Ciudad, Santander, Credicoop, Hipotecario
and
HSBC
, TNA 70%: pays 5.83% for a one-month placement.
Ualá is on point: the fixed term is established through Uilo - a financial entity with a banking license - for
$400,000
, the interest it gives will be
$25,664 per month.
So, to form a fixed term in entities that offer a TNA of 75%, the interest that will be received for freezing the same amount
will be $25,000
for the entire month.
Comafi for a fixed term for $400,000, yields about $23,280 in 30 days.
By putting the same amount in a bank that pays a TNA of 70%, the interest paid per month is: 5.83%.
So, for putting $400,000 in a fixed term in 30 days you will receive
$23,320.
S.N.