Can I withdraw the money in advance if I buy a treasury bond?

Treasury bonds are divided into three-year and five-year maturities, and like bank deposits, they can be withdrawn in advance. Savings bonds are non-negotiable bonds, and unexpired savings bonds that meet certain conditions can be cashed out in advance, that is, they can apply for early redemption of the principal and interest of the unexpired savings bonds at the counter of the undertaking bank at a specified time.

The specific conditions for the early redemption of savings bonds will be announced in the issuance announcement of each issue. If an investor needs to redeem in advance, he or she should go through the relevant procedures at the network outlet of the original undertaking bank with his/her valid identity certificate, personal treasury bond custody account and capital account. The early redemption service will be suspended from 15 working days before the interest payment date and maturity date, and will resume after the interest payment date.

If the investor's liquidity demand is only short-term and he is unwilling to accept the benefit deduction brought by early redemption, he can also use the creditor's rights of the savings treasury bond as collateral to apply for a short-term pledge loan at the undertaking bank.

If you purchased the savings treasury bonds (electronic) through China Merchants Bank, please provide your debit card or passbook and valid identification to redeem in advance at any branch of China Merchants Bank. If you are acting on behalf of the agent, you need to show the valid identity certificate of the ** person at the same time.

2.Partial early withdrawal can be made, and multiple partial early withdrawals can be processed, the maximum number of times = 100 shares held.

OK. Depending on the repayment period or this period, treasury bonds can be classified into term treasury bonds and indefinite treasury bonds.

Term Treasury Bonds: Treasury bonds issued by the state with a strict period for repayment of principal and interest. Term treasury bonds can be divided into short-term treasury bonds, medium-term treasury bonds and long-term treasury bonds according to the length of the debt repayment period.

Short-term treasury bonds: Treasury bonds with a maturity of less than one year are issued mainly to adjust the temporary surplus of treasury capital turnover and have greater liquidity.

Medium-term treasury bonds: Treasury bonds with a maturity of more than 1 year but less than 10 years (including 1 year but not including 10 years) can make the use of debt funds relatively stable by the state because of its long repayment time.

Long-term treasury bonds: Treasury bonds with a maturity of more than 10 years (including 10 years) can enable ** to dispose of financial resources for a longer period of time, but the income of the holder will be affected by the currency value and prices.

Indefinite Treasury Bonds: Treasury bonds issued by the state that do not stipulate the period for repayment of principal and interest. Holders of such government bonds receive interest on a regular basis, but do not have the right to demand payment of their debts. This is the case with permanent government bonds issued in the UK.

If the certificate treasury bond is still within the issuance period, then the early withdrawal part is not interest-bearing; If withdrawn within half a year, the interest will be calculated according to the current interest rate of the same period; The interest will be calculated according to the interest rate of the same tranche of the actual deposit period for half a year. In short, the early withdrawal of the certificate treasury bond will lose a certain amount of interest, and the holder or ** person needs to bring the information to the bank branch counter to withdraw.

Extended Resources: 1. Definition of Treasury Bonds.

Treasury bonds, also known as state public bonds, are creditor's rights and debts formed by the state on the basis of its credit and in accordance with the general principles of bonds to raise funds through the issuance of bonds to the society. The national debt is ****.

In order to raise financial funds.

And a kind of ** bond issued.

The creditor's rights and debt certificates issued by **** to investors and promise to pay interest and repay the principal at maturity in a certain period of time have the highest credit rating and are recognized as the safest investment tools because the issuer of treasury bonds is the state. 2. Characteristics of national bonds.

1. From the subject of legal relations.

Come and see. The creditor of the treasury bond can be a citizen, legal person or other organization at home and abroad, as well as a national or regional ** and an international financial organization, while the debtor can generally only be a state.

2. From the perspective of the nature of the legal relationship.

Although the legal relationship of national debt is an equal legal relationship compared with other financial legal relations, compared with the general creditor's rights and debts, it reflects a certain subordinate nature, which is more obvious in the legal relationship of domestic debts of the state.

3. From the perspective of the realization of legal relations.

Treasury bonds are credit ratings.

The highest and safest creditor-debtor relationship.

4. From the debtor's point of view.

Treasury bonds are voluntary, compensatory, and flexible.

5. From the perspective of creditors.

Treasury bonds have the characteristics of safety, profitability and liquidity.

3. Classification of national bonds.

1. According to the different ways of borrowing debts, they can be divided into national bonds.

and state borrowing;

2. According to the different repayment periods, it can be divided into fixed treasury bonds and irregular treasury bonds;

3. According to the issuance region, it can be divided into national domestic debt and national foreign debt;

4. According to the nature of issuance, it can be divided into self-orange state treasury bonds and compulsory treasury bonds;

5. According to the purpose of use, it can be divided into deficit treasury bonds, construction treasury bonds, special treasury bonds and war treasury bonds;

6. According to whether it can be circulated, it can be divided into listed treasury bonds and unlisted treasury bonds;

7. According to the liquidity of bonds, they are divided into negotiable treasury bonds and non-negotiable treasury bonds;

8. According to the standard of issuing certificates, it can be divided into voucher treasury bonds and book-entry treasury bonds.