The author posted a question in Business, Finance
Is a ruble deposit worth closing and exchanging money for a dollar? Planning to buy a car, I'm afraid the money will depreciate? and got a better answer
Response from Антон Владимирович[+++++]
Leave the deposit until August and don't touch it. Take a car loan now and buy a car by the New Year, in the period of depreciation of the ruble it is profitable to take a loan. Sell your VAZ before the New Year and make a prepayment on the loan. There will be surplus money if you do not hurry to repay the credit, you can throw it away early, but at the same time not to worsen the quality of your life and not to limit yourself in what you are used to. In August, when the term deposit ends - to repay the loan, but not all the money, and leave part of the bank in case of N.Z. Good luck?
Leave the deposit until August and don't touch it. Take an auto loan now and buy a car by all means before the New Year, in the period of ruble devaluation it is profitable to take a loan. Sell your VAZ before the New Year and make a prepayment on the loan. There will be surplus money, and it is possible to do away with the loan prematurely, but at the same time not to worsen the quality of your life and not to limit yourself in what you are used to. In August, when the term of the deposit expires - repay the loan, but not with all the money, and leave part of it in the bank in case of N.Z. Good luck!
it is late.
have to either buy now or transfer to the currency, there is no other way.
is impossible to calculate the risk connected with currency. If you feel that the benefit suits you now, then you have to make up your mind.
do nothing - you don't have to transfer to $. Withdrawing money and buying a car as an option is fine.
the ruble will never depreciate, these manipulations with the dollar are created artificially to increase our budget, because it is tied to the dollar, for example the budget is 30000 rubles, the dollar has doubled, doing nothing the budget increases to 60000, I do not think that prices of cars will go up significantly, the task of dealers to sell them, while they were bought at the old price. When America and Europe try to worsen our country's economy, we always have the tools to tweak it and adjust oil and gas prices.
Beware, the speculators do not sleep. Perhaps there will be a second phase of trickery. A strong correction of the ruble, after the rise in interest rates on loans.