What is the half year interest of 300,000 deposits?

How much interest can I get if I deposit 300,000 yuan in the Postal Savings Bank for a year? The Postal Savings Bank is one of the six major state-owned banks, with many outlets, and its strength should not be underestimated. Let's first take a look at the interest rates corresponding to the different deposit tenors of the Postal Savings Bank.

According to the interest rate data released by the bank, the interest rate on demand deposits is relatively low, the interest rate of 300,000 yuan a year is 1,050 yuan, almost to the point of negligibility, and the interest rate of time deposits is also slightly different because of different regions. The interest that can be obtained for one year is 300,000 yuan for one year, 30,000 yuan for two years, 300,000 yuan for three years, and 30,000 yuan for five years. Through the detailed calculation of the corresponding interest rate, it can be known that the deposit of 300,000 yuan in the Postal Savings Bank, the maximum interest rate for a year is 10,520 yuan, but one thing should be noted that the above deposit types belong to conventional time savings products, and the principal of 300,000 has actually reached the threshold requirements of large-amount certificates of deposit, and large-amount certificates of deposit also belong to the deposit savings category, which is precisely because of the minimum deposit amount requirement, so it is not recognized by most people.

Its interest rate is higher than that of ordinary fixed deposits, 300,000 large-amount certificates of deposit for two years in the Postal Savings Bank, the interest rate is generally around, that is to say, the two-year large-amount certificates of deposit will have an interest of 9,150 yuan per year, which is 91508850=300 yuan higher than the two-year fixed deposit interest every year.

Finally, to sum up, although the interest rate on bank deposits has been decreasing in recent years, especially the interest rate of state-owned banks is the lowest among all banks, but the Postal Savings Bank is relatively higher than the other five state-owned banks, and the interest rate of the Postal Savings Bank is slightly lower than that of other small banks, and the amount of 300,000 deposits does not reach the limit of 500,000 yuan stipulated in the deposit insurance regulations, so the safety factor of depositing in any formal bank is the same, so I personally think that it is the most cost-effective to choose a bank deposit with a higher interest rate.

Project annual interest rate (%)1, urban and rural residents and unit deposits (1) demand deposits, 2) time deposits1Lump sum deposit for three months, six months, one year, two years, three years, five years, zero deposit, lump sum withdrawal, lump sum deposit and interest for one year, three years, five years, fixed life, two will be fixed and withdrawn within one year, and the interest rate of the same grade will be discounted by 6%.

2. Agreement deposits.

3. Call deposit is made seven days a day.

If you handle the lump sum deposit and withdrawal through China Merchants Bank now, the principal: 300,000, the term: 6 months, and the interest obtained after maturity: 2325

According to the current interest rate, it is 4950 yuan.

It's about four thousand five on a regular basis.

300,000 yuan deposited in the bank for three years, if you choose ordinary time according to the traditional deposit method, according to the central bank's benchmark interest rate, the interest for three years is: 300,000 yuan; Of course, with the process of interest rate marketization, the interest rate of ordinary time deposits of many banks has risen by about 30%, and the three-year interest rate can be reached, so that the interest is: 300,000 yuan; Banks can also buy Treasury bonds, which is the safest way to invest, with a three-year interest rate of up to 4%, so that the three-year interest is:

300000 4% 3=36000 yuan.

Further Information: Guide to Handling Fixed Deposit Units:

A corporate fixed deposit is a kind of deposit in which the unit customer and the bank agree on the deposit period, deposit the temporarily idle funds in the bank, and when the deposit is withdrawn at maturity, the bank will calculate and pay interest at the interest rate agreed on the deposit date. There are two types of time deposits: RMB time deposits and foreign currency time deposits.

Deposit term. There are six tenors to choose from: 3 months, 6 months, 1 year, 2 years, 3 years and 5 years.

Foreign Currency Time Deposits include Small Foreign Currency Time Deposits (below US$3 million or its equivalent in foreign currency) and Large Foreign Currency Time Deposits (above US$3 million or its equivalent in foreign currencies). The deposit period includes five grades: one month, three months, six months, one year, and two years.

Minimum deposit amount. RMB 10,000 (or equivalent in foreign currency) must be deposited in a lump sum.

Opening Procedures. When opening a fixed deposit account, a corporate customer shall submit a "Deposit Slip for Corporate Deposit" to the bank and reserve a seal, and the bank will transfer the advance deposit from the current deposit account of the unit, open a fixed deposit account for it, and issue a registered "Certificate of Opening a Corporate Fixed Deposit Account".

Time deposit. Who can open an account.

All enterprises, institutions, organs, military units, social organizations and individual economic households that meet the requirements for opening RMB unit demand deposit accounts can open RMB unit time deposit accounts and handle local and foreign currency time deposit business.

Interest accrual method. When the RMB unit time deposit is withdrawn at maturity, the interest will be calculated according to the corresponding grade interest rate of the fixed deposit announced by the People's Bank of China on the date of deposit. If the deposit is not withdrawn on the maturity date, the interest on the current deposit will be automatically transferred to the principal, and the interest rate of the same grade announced by the People's Bank of China on the date of transfer and the original agreed deposit period will be automatically transferred.

When the small foreign currency time deposit is withdrawn at maturity, the interest will be calculated according to the corresponding grade interest rate of the time deposit announced by the China Banking Association on the date of deposit. Preferential interest rates are available for large foreign currency time deposits, but they are not auto-rollover.

The interest of 300,000 half-year lump sum deposit is, and the interest is: 9,900 yuan.

Calculation formula: 300,000*RMB.

Supplementary Information: 2021 Annual Interest Rate (%) of major banks

1. Deposits of urban and rural residents and units.

a) Current. b) Periodically.

1.Whole deposit and whole withdrawal.

Three months, half a year, one year, two years, three years, five years, 2Fractional deposit and withdrawal, lump sum deposit and withdrawal, principal deposit and interest.

One year, three years, five years, 3Fixed two pence: 6% discount at the interest rate of the same grade according to the regular lump sum deposit within one year.

2. Agreement deposits.

3. Call Deposit

Extended information for seven days a day: Individual time deposits can be basically divided into lump sum fixed deposits, lump sum fixed deposits, lump sum fixed deposits, lump sum time deposits, principal and interest time deposits, education savings deposits, etc. The access method varies depending on the type.

1. The minimum deposit is 50 yuan, and it can be withdrawn once in advance when it expires. The deposit period is: 3 months, 6 months, 1 year, 2 years, 3 years, 5 years, and 6 years.

2. Fractional deposit: 5 yuan minimum deposit, fixed deposit amount (set by the customer) once a month, if there is any missing deposit in the middle, it should be made up in the next month, and the principal and interest will be withdrawn at one time at maturity. Deposit period: 1 year, 3 years, 5 years.

3. Lump sum deposit and zero withdrawal: a kind of deposit in which the customer agrees on the deposit period, the principal is deposited at one time, and the principal and interest are withdrawn in installments within a fixed period when the customer opens an account. The minimum deposit is 1,000 yuan, and the withdrawal period is generally divided into one month, three months, and half a year. The deposit period is divided into 1 year, 3 years and 5 years.

4. Deposit and interest withdrawal: A type of personal deposit in which the customer agrees on the deposit period, deposits the principal in a lump sum at the time of deposit, withdraws the interest in installments according to the fixed term, and withdraws the principal at one time at maturity. Minimum deposit of 5,000 yuan, deposit period: one year, three years, five years.

5. Fixed and lived: The customer does not agree on the deposit period when depositing, and the bank calculates the interest according to the actual deposit period of the customer's deposit. The minimum deposit is 50 yuan.

6. Personal call deposit: The customer does not agree on the deposit period when depositing, and needs to notify the bank in advance when withdrawing, and agree on the date and amount of withdrawal before the deposit can be withdrawn. The minimum deposit is 50,000 yuan, which is divided into one-day notice and seven-day notice.

7. Education savings: no income tax is deducted for lump sum deposits and withdrawals. Target Clients:

Students in non-compulsory education from the fourth grade of primary school onwards. The deposit period is one year, three years, six years. Benefits::

There is no tax deduction, and interest will be calculated at a regular interest rate when withdrawn in advance after three months, three months for three months, and six months for six months.

It depends on whether you live or are fixed, the two deposit and issue interest rates are different, the algorithm is like this, and I will give you the interest rateLinks, you just check your own formula to calculate. Assuming that the principal amount of 300,000 is A, the sum of principal and interest after half a year is B, and the monthly interest rate is C%, the calculation method is:

The sum of principal and interest b = a * (1 + c%) 5 = 300,000 * (1 + c%) 5

The annual interest rate for six months will be around now.

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Too much caution is as much as being too credulous and will ruin the queen. Moreover, it should be admitted, the affection she could not help feeling for this young protector also made her determined to tell him the secret.

1. Time deposit: The bank interest rate is about between, and the interest rate of a deposit of 300,000 yuan a year is the lowest yuan, and the highest is 8,580 yuan, that is, the interest on the time deposit is between 5,250 and 8,580 yuan.

2. Demand: interest rate 03%。The annual interest is about 900 yuan.

3. Currency**: The interest rate is between 4%, and the interest rate is between 12000 and 13500.

1. Treasury bonds: The three-year coupon rate of savings treasury bonds is 4%, and the three-year interest of 300,000 yuan is 300,000 * 4% * 3 = 36,000 yuan.

2. Time deposit: The interest rate of the bank's three-year fixed deposit is 300,000 yuan for three years.

3. Large-amount certificates of deposit: taking CCB as an example, the minimum deposit is 300,000 yuan, the three-year interest rate is, and the three-year interest rate of 300,000 yuan is 300,000 yuan.

First of all, a three-year fixed deposit. Since 2015, the central bank has cut interest rates a total of five times, the current benchmark interest rate of three-year time deposits is, as shown in the figure below, the three-year fixed interest rate of the five major state-owned banks has not risen compared with the benchmark interest rate of the central bank, and joint-stock commercial banks and local commercial banks are also floating in different proportions, the most commercial banks have risen by only 35%, that is, the three-year fixed interest rate, that is, if we want to deposit bank fixed deposits, the minimum three-year interest is 300,000, and the highest is 300,000.

Secondly, large certificates of deposit. Because the minimum deposit standard for large-value certificates of deposit in most commercial banks is 200,000 yuan, and your deposit of 300,000 yuan has already met the storage conditions for large-amount certificates of deposit, so your income can be further improved. For example, in the local commercial bank where I work, the current interest rate of the three-year large-denomination certificate of deposit is 45% higher than the benchmark interest rate, that is, the three-year large-denomination certificate of deposit can earn 300,000.

Finally, wealth management products. At present, the yield of mainstream bank wealth management is mostly between 4%, because the subject calculates the three-year rate of return, or take the bank I am engaged in as an example, the longest financial management period is 365 days, and the interest rate is, assuming that we can invest in a 365-day wealth management product every year, the income is 300,000.

300,000 can deposit large certificates of deposit, the current three-year large deposit interest rate of the four major banks is slightly different, taking the three-year large deposit interest rate of the Agricultural Bank of China as an example, 300,000 yuan per year = 35,910 yuan.

1. Time deposit: The bank interest rate is about between, and the interest rate of a deposit of 300,000 yuan a year is the lowest yuan, and the highest is 8,580 yuan, that is, the interest on the time deposit is between 5,250 and 8,580 yuan.

2. Demand: interest rate 03%。The annual interest is about 900 yuan.

3. Currency**: The interest rate is between 4%, and the interest rate is between 12000 and 13500.

Extended Material: Interest on Borrowings.

Every enterprise has to borrow money from the bank in the process of production and operation, and how to record the interest on the loan.

Under the requirements of the new accounting standards, short-term borrowings are used as an example to record the interest on loans.

For example, if an enterprise borrows from ICBC, the amount is 1 million, the time is three months, and the interest rate is 9%, how to deal with it. There are several aspects to the specific steps:

When a loan is obtained, it can be credited to the bank deposit account for the amount of 1 million, and at the same time, the credit to the short-term loan account is 1 million. When interest is accrued, interest can be accrued or not, and there are two aspects to the direct payment when due. First, if the interest is not accrued, it can be included in the debit of the short-term loan when it is paid directly after maturity, with an amount of 1 million, and the debit of the financial expense account with the amount of 10,000, and the credit of the bank deposit account with the amount of 10,000.

Second, if you want to accrue interest on a monthly basis, you can include the debit side of the financial expense account when the interest is withheld in the first month, the amount is 10,000, and the amount is 10,000, and the amount is 10,000 yuan, and the amount is 10,000 when the interest payable or the withholding expense account is debited, taking the first month as an example, several consecutive accounting entries are the same, when the loan interest is to be repaid at maturity, it can be included in the debit of the short-term loan account, the amount is 1 million, and the amount is 10,000, and the amount is 10,000. At the same time, the amount is credited to the bank deposit ledger account.

It's 10,000. Interest Generating Factors:

Delay consumption. When the lender lends money, it is equivalent to delaying the consumption of goods that are stimulated by consumption. According to the principle of time preference, consumers will prefer current goods over future goods, so there will be positive interest rates in the free market.

Expected inflation.

Most economies will be inflationary, which means that a quantity of money will have fewer goods to buy in the future than it does now. Therefore, the borrower is required to compensate the lender for the losses incurred during this period.

Alternative investments.

Lenders have the option to put their money on other investments. Because of the opportunity cost, the lender lends money and gives up the possible return on other investments. The borrower will need to compete with other investments for this funding.

Investment Risk. Borrowers are at risk of going bankrupt, absconding or defaulting on their debts at any time, and lenders are required to collect additional money to ensure that they can still be compensated in these situations.

Liquidity preference.

People will prefer that their funds or resources are readily available for immediate trading, rather than that it takes time or money to get them back. Interest rates are also a form of compensation for this.