You certainly never deal with the bank. But if I ask whether there are any among you who know what is actually a bank, I do not believe everything can be said. If not, why do you still want to open bank accounts and save money there? Readers need not worry, I already own a savings account at the bank since my high school, though I also do not know themselves what is the bank (when my parents used to work at the bank).
This paper will discuss a bit about what is a bank, and any products sold by banks, especially simpanannya product. The Bank is an institution that is the main business save money and borrow from the public.
For example, if you save money in the bank (eg deposits), you may get the interest rate will be 10 percent per year. In turn, banks will lend money to the community, and those who borrow money should pay interest to the bank is higher than 10 percent. That is the difference between the percentage of the profits into the bank. That is just the advantage unclean, lo. In fact, the benefits obtained from the difference that still must be reduced again to pay the operational costs of the bank, such as staff salaries and office expenses of others.
Often referred to as the Bank intravenously economic activities of a country. In humans for example, the pulse is a "channel" on duty, bringing oxygen-oxygen (which is in the blood) from one body part to another body part. If in humans, causing less blood will be sluggish, then the state, less money will result in a sluggish state economy. This is because money is the blood of the economy. There is no business that will open if there is no money. You would not have if there is no iming-iming money, right?
Therefore, it is not excessive if we know more about the products that are in the bank. Thus we can mendayagunakan products that fit as closely as possible with our needs.
Have said earlier, that the business is the main bank as a money saving and borrowing money. Therefore, banking products can be divided into two: products, savings and loan products. This paper will discuss the first products in the savings bank and how to maximize benefits. Soon we may be able to product a loan.
1. Giro
Giro account is an account that money can be taken every day, in which the account is equipped with the facility of payment check and giro Bilyet. When you deal with others, then you can pay with a check or giro Bilyet. Checks are securities in which the person who gave you this check can be directly menguangkannya in the bank. While the gyro is Bilyet securities in which the people you do not give giro giro can turn it in a bank, but must first disetorkan to account. Then after that the money will be liquid in the account.
Account does not usually give flowers. Even if there is a bank that provides interest rate, the interest rate is usually small and often referred to by the term "giro service." At this time, usually a bank giro service provides a maximum of 1 - 2 percent of the total balance (usually) the lowest which is the provision of at least a month.
Minimum deposit to checking account is different at each bank. But at this time, the smallest amount of deposit is Rp 250,000 (for individual account) and Rp 500,000 (for the company's checking account).
As a reciprocal back on services and facilities provided, then almost all banks charge customers according to the administration of direct gironya deducted from the account each month.
With checking account, each month you will get a newspaper account (such routine reports) sent to your address each month. In the report is written to when and what and how much money go out in your account.
2. Savings
Savings is the product of savings in bank deposit and penarikannya can be done at any time. Almost every person must feel a savings account at the Bank. Not only in one bank, but also in two or three banks at once. So why can? The answer is because at this time savings is not only used as a means of saving money, but also with other facilities that has a bit outside the purpose of saving itself. For example facilities such as debit, ATM facilities, transfers, and so forth.
So if seen, the purpose of saving someone in the bank can be divided into two. First, because you want to really save money to be able to gather a certain amount of funds in the future. For example, such as saving to buy a particular need. Second, just want to make the savings account as a gathering, not to actually save money. For example, such as accounts that the money used to pay for the monthly shopping. Well, here in the form of facilities and ATM Cards Debit Cards new fully used.
An initial deposit is the minimum amount that must be disetorkan as a condition for opening a savings account. Balance is at least a minimum amount that must be disisakan on your savings. An initial deposit and minimum balance on savings is usually the same, for example, if an initial deposit is Rp 25,000 and the balance at least Rp 25,000. But the composition between the two can not just depend on the regulations banknya. So also with the amount of initial deposit and minimum balance required.
Check back provision was a minimum balance in your savings, whether you allow the bank customers withdrawing savings make up the amount under the minimum balance and the fine imposed if the balance reaches a minimum at the bottom? Should choose a savings account that requires a minimum balance is small so you can make a more liberal withdrawal from your savings
Bank savings interest rates given that the funds saved in the savings can be developed, so that customers increasingly diligent saving. Interest savings are usually calculated each month from the end ratarata daily balance for the month. Interest savings can be provided in a single rate. That is, how any amount of money in your savings interest rates remain the same. Can also be graded on. This means that the balance on the number of different, given that interest is not the same. Usually, the more sediment balance of a given interest rate the higher.
As a reciprocal back on services and facilities provided, the Bank put on almost all administrative costs directly to customers the savings deducted from each month. But at this time there is also the Bank does not impose administrative costs on the savings.
Passbook is used as the recording media of your transaction. Savings books usually also have to be taken when doing akan cash at the checkout. There is also a change the bank passbook account with the newspaper delivered to your address every month. In the report written when and for what and how much money go out in your account.
3. Deposit
Is the product of savings deposits in banks and deposit penarikannya can only be done at certain times only. For example, if you put money Rp 1 million deposit on a 3 month period, then the money Rp 1 million are new you can take after 3 months have elapsed. Of course, you also promised delivery of a particular flower that you can enjoy at the time of the deposit due.
Deposit interest rate is usually higher than savings interest. This is because your money will be "locked" for some period of time so that the bank felt it necessary to guarantee the interest rate is higher than the interest rate on savings account is money you can pull at any time. This is usually the main attraction into deposits.
Unlike the savings that can be opened with a small initial deposit. Minimum deposit for the placement of deposits is greater, the amount of each bank varies, but at this time is the most minimum of Rp 500,000.
Benefits from other deposits is not dikenakannya monthly cost of administration, because jarangnya transactions through the bank account deposits. Walupun so there is still the cutting of taxes calculated from the deposit interest rate deposits that you get.
This paper will discuss a bit about what is a bank, and any products sold by banks, especially simpanannya product. The Bank is an institution that is the main business save money and borrow from the public.
For example, if you save money in the bank (eg deposits), you may get the interest rate will be 10 percent per year. In turn, banks will lend money to the community, and those who borrow money should pay interest to the bank is higher than 10 percent. That is the difference between the percentage of the profits into the bank. That is just the advantage unclean, lo. In fact, the benefits obtained from the difference that still must be reduced again to pay the operational costs of the bank, such as staff salaries and office expenses of others.
Often referred to as the Bank intravenously economic activities of a country. In humans for example, the pulse is a "channel" on duty, bringing oxygen-oxygen (which is in the blood) from one body part to another body part. If in humans, causing less blood will be sluggish, then the state, less money will result in a sluggish state economy. This is because money is the blood of the economy. There is no business that will open if there is no money. You would not have if there is no iming-iming money, right?
Therefore, it is not excessive if we know more about the products that are in the bank. Thus we can mendayagunakan products that fit as closely as possible with our needs.
Have said earlier, that the business is the main bank as a money saving and borrowing money. Therefore, banking products can be divided into two: products, savings and loan products. This paper will discuss the first products in the savings bank and how to maximize benefits. Soon we may be able to product a loan.
1. Giro
Giro account is an account that money can be taken every day, in which the account is equipped with the facility of payment check and giro Bilyet. When you deal with others, then you can pay with a check or giro Bilyet. Checks are securities in which the person who gave you this check can be directly menguangkannya in the bank. While the gyro is Bilyet securities in which the people you do not give giro giro can turn it in a bank, but must first disetorkan to account. Then after that the money will be liquid in the account.
Account does not usually give flowers. Even if there is a bank that provides interest rate, the interest rate is usually small and often referred to by the term "giro service." At this time, usually a bank giro service provides a maximum of 1 - 2 percent of the total balance (usually) the lowest which is the provision of at least a month.
Minimum deposit to checking account is different at each bank. But at this time, the smallest amount of deposit is Rp 250,000 (for individual account) and Rp 500,000 (for the company's checking account).
As a reciprocal back on services and facilities provided, then almost all banks charge customers according to the administration of direct gironya deducted from the account each month.
With checking account, each month you will get a newspaper account (such routine reports) sent to your address each month. In the report is written to when and what and how much money go out in your account.
2. Savings
Savings is the product of savings in bank deposit and penarikannya can be done at any time. Almost every person must feel a savings account at the Bank. Not only in one bank, but also in two or three banks at once. So why can? The answer is because at this time savings is not only used as a means of saving money, but also with other facilities that has a bit outside the purpose of saving itself. For example facilities such as debit, ATM facilities, transfers, and so forth.
So if seen, the purpose of saving someone in the bank can be divided into two. First, because you want to really save money to be able to gather a certain amount of funds in the future. For example, such as saving to buy a particular need. Second, just want to make the savings account as a gathering, not to actually save money. For example, such as accounts that the money used to pay for the monthly shopping. Well, here in the form of facilities and ATM Cards Debit Cards new fully used.
An initial deposit is the minimum amount that must be disetorkan as a condition for opening a savings account. Balance is at least a minimum amount that must be disisakan on your savings. An initial deposit and minimum balance on savings is usually the same, for example, if an initial deposit is Rp 25,000 and the balance at least Rp 25,000. But the composition between the two can not just depend on the regulations banknya. So also with the amount of initial deposit and minimum balance required.
Check back provision was a minimum balance in your savings, whether you allow the bank customers withdrawing savings make up the amount under the minimum balance and the fine imposed if the balance reaches a minimum at the bottom? Should choose a savings account that requires a minimum balance is small so you can make a more liberal withdrawal from your savings
Bank savings interest rates given that the funds saved in the savings can be developed, so that customers increasingly diligent saving. Interest savings are usually calculated each month from the end ratarata daily balance for the month. Interest savings can be provided in a single rate. That is, how any amount of money in your savings interest rates remain the same. Can also be graded on. This means that the balance on the number of different, given that interest is not the same. Usually, the more sediment balance of a given interest rate the higher.
As a reciprocal back on services and facilities provided, the Bank put on almost all administrative costs directly to customers the savings deducted from each month. But at this time there is also the Bank does not impose administrative costs on the savings.
Passbook is used as the recording media of your transaction. Savings books usually also have to be taken when doing akan cash at the checkout. There is also a change the bank passbook account with the newspaper delivered to your address every month. In the report written when and for what and how much money go out in your account.
3. Deposit
Is the product of savings deposits in banks and deposit penarikannya can only be done at certain times only. For example, if you put money Rp 1 million deposit on a 3 month period, then the money Rp 1 million are new you can take after 3 months have elapsed. Of course, you also promised delivery of a particular flower that you can enjoy at the time of the deposit due.
Deposit interest rate is usually higher than savings interest. This is because your money will be "locked" for some period of time so that the bank felt it necessary to guarantee the interest rate is higher than the interest rate on savings account is money you can pull at any time. This is usually the main attraction into deposits.
Unlike the savings that can be opened with a small initial deposit. Minimum deposit for the placement of deposits is greater, the amount of each bank varies, but at this time is the most minimum of Rp 500,000.
Benefits from other deposits is not dikenakannya monthly cost of administration, because jarangnya transactions through the bank account deposits. Walupun so there is still the cutting of taxes calculated from the deposit interest rate deposits that you get.
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