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Errors When Breaking Certificates or Deposits
The article discusses the common mistakes to avoid when breaking a certificate or bank deposit. It highlights that early redemption decisions often lead to significant financial losses due to penalties on returns or the application of specific conditions depending on the type of product and the retention period. The article points out that among these mistakes are losing a portion of the return, breaking the certificate before the permitted term, failing to review the redemption schedule or associated interest obligations, and emphasizes the importance of comparing the cost of the loss with the actual need for the funds. It also recommends considering alternatives such as loans to ensure better utilization of resources.
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