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09.02.2012   12:31

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Deposit Certificates
Deposit Certificates - an advantageous way to save money! 

Deposit Certificate is a form of securities that gives to the owner the right to receive the amount of lodging and related interest at the term of maturity. 

Deposit Certificates represents an advantageous way to save money. It is also a great alternative to make a gift.

Interest: paid at the maturity, 11,25% - for 12 months Deposit Certificates and and 5% for 6 month Deposit Certificates
 
Currency: Moldovan lei (MDL)

Nominal value: 1000 MDL, 5000 MDL, 10,000 MDL, 20,000 MDL, 50,000 MDL
 
Security: Deposit Certificates contain 10 degrees of protection against forgery. 
 
Advantages:
  - Deposit Certificates can be transferred at any time to a third party
  - May serve as a warranty to obtain loans 
  - There are no applied fees
  - Can be redeemed before the deadline 
  
Redemption of Deposit Certificates before the term of maturity:
  - Up to 3 months including - nu se plateste
  - From 3-6 months - a 1% annually rate is applied
  - From 6-9 months - a 2% annually rate is applied
  - From 9-12 months - a 4% annually rate is applied
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Currency rate 9.02.2012
Currency Buy Sale BNM rate
USD 11.8600 12.0000 12.0029
EUR 15.7200 15.9200 15.9446
RUB 0.3900 0.4030 0.4037
RON 3.5700 3.7300 3.6606
UAH 1.4400 1.5400 1.4946
GBP 18.8000 19.2000 19.0577
CHF 12.8000 13.3000 13.1618
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