Deposit money in the bank on a regular basis, how to save the method to get the most interest

Hello, the deposit method of depositing the same amount of money every month is called a small deposit and lump sum withdrawal, which refers to a personal deposit that stipulates the deposit period when opening an account, installs a fixed monthly deposit amount (determined by you), and withdraws the principal and interest at maturity. However, it is necessary to renew the deposit every month according to the amount agreed at the time of account opening. The procedures for early withdrawal shall be handled in accordance with the procedures for lump sum deposit and withdrawal of fixed savings deposits.

Generally, the minimum deposit is 5 yuan, and it is deposited once a month, and if there is any omission in the middle, it should be made up in the next month. Interest is calculated based on the actual deposit amount and the actual deposit period. The tenor is divided into one-year interest rate, three-year interest rate, and five-year interest rate.

According to your situation, it is recommended to handle the bank lump sum deposit and withdrawal time deposit business, with high interest rate and more interest. Lump sum deposit and lump sum withdrawal means that the agreed interest is calculated at the agreed interest rate at the time of deposit when opening an account, and the interest is paid off with the principal. Lump sum deposits can be automatically rolled over on the maturity date, or they can be rolled over at maturity according to the customer's wishes.

The tenor of RMB is divided into three months, six months and one year.

It is a kind of personal deposit with six grades of deposit period of two years, three years and five years, which is deposited in a lump sum and withdrawn in a lump sum at maturity. Minimum deposit is RMB50.

As follows: the amount of interest on bank fixed deposits (lump sum deposits) is related to the interest rate of bank deposits, when the principal and deposit period are fixed, the higher the interest rate, the more interest.

At present, China's fixed deposits have 3 months, 6 months, 1 year, 2 years, 3 years, and 5 years, and the annual interest rates are:

The central bank in the formulation of these fixed deposit interest rates, is determined according to the principle of "the longer the deposit period, the higher the interest" (has been calculated), for example, you save 10,000 yuan for one year, automatically transfer to the fifth year, deposit for 2 two years, 1 year for one year (a total of five years), deposit for 1 3 years, 1 two years (a total of five years), etc., the interest you get is not more than directly deposited for a five-year period.

Therefore, it is currently the most interest on a five-year fixed deposit. You can determine the maximum deposit period based on the use of your funds.

There are tricks for bank deposits, so that savings can earn more money, reliable and risk-free, and I have seen the increase in knowledge.

The bank interest algorithm is as follows: bank interest is the product of the principal, the deposit period, and the interest rate. (1) Interest is calculated on a year-to-month-to-day basis.

If the interest-bearing period is a whole year (month), the interest-bearing formula is: interest = principal year (month) number of years (month) interest rate; If the interest-bearing period has a whole year (month) and a fractional number, the interest-bearing formula is: interest = principal year (month) number of years (months) annual (month) interest rate + principal fractional days daily interest rate.

2) Interest is calculated based on the actual number of days. That is, the annual period is 365 days (366 days in leap years), and the monthly month is the actual number of days in the Gregorian calendar of the month, and the interest calculation formula is: interest = principal actual number of days daily interest rate.

Interest on bank fixed deposits.

Principal Interest Rate Deposit Period.

Among them: principal: money deposited in the bank;

Interest rate: the interest rate listed by the bank, which is published as an annual interest rate; Different tenors have different interest rates.

Deposit period: The amount of time money is kept in the bank.

Calculation Description: When the normal deposit method matures, the interest should be calculated according to this formula, if it is not withdrawn at maturity, it is an early withdrawal, and the interest rate should be calculated according to the current account; If it is not withdrawn at maturity, there may be two scenarios: one is to convert to current savings; The other is "about transfer", that is, automatic rollover.

The interest rate is carried over to the same tenor as the previous deposit method.

The formula for calculating the interest on a fixed deposit is as follows: the principal amount of the deposit multiplied by the interest rate of the deposit multiplied by the tenure of the deposit.

For example, if the fixed deposit is 10,000, the one-year interest (calculated at the annual interest rate) is: 10,000 multiplied by 1 equals 225 yuan.

A fixed deposit is a deposit in which the bank and the depositor agree on the term and interest rate in advance at the time of deposit, and withdraw the principal and interest after maturity. It has a minimum deposit period of 3 months and a maximum of 5 years, with a large range of options, a more stable interest income, and the longer the deposit period, the higher the interest rate.

Hello, I am glad to answer for you, deposit money to the bank for a fixed period of one year, the interest is calculated according to the bank's annualized interest rate, for example, the annualized interest rate is 3%, and the deposit of 10,000 yuan is 10,000 3% 300. That's one year's interest on your deposit. Hope it helps you [smile].

The basic formula for calculating interest is: interest = principal tenor interest rate; Conversion of interest rates: The conversion relationship between annual interest rate, monthly interest rate, and daily interest rate is:

Annual interest rate = monthly interest rate 12 (month) = daily interest rate 360 (days); Monthly interest rate = annual interest rate 12 (month) = daily interest rate 30 (days); Daily interest rate = annual interest rate 360 (days) = monthly interest rate 30 (days). According to the provisions of the State Administration of Taxation Guo Shui Han No. 2008 No. 826, the individual income tax on the interest income of savings deposits has been temporarily exempted since October 9, 2008, so the interest tax on savings deposits is temporarily exempted. If there is a large amount of capital to be turned over in the near future, you can choose to have money to spend, which is a service product of Du Xiaoman Finance (formerly "Finance"), which can meet your daily consumption turnover capital needs, pure online application, no mortgage, simple application materials, 30 seconds for approval, the fastest three minutes of loan, and the maximum amount of borrowing is 300,000.

This question is provided by Money, I hope it will help you.

The formula for calculating interest is: interest = principal * deposit period * interest rate.

The conversion relationship between the annual, monthly, and daily interest rates is as follows:

Annual interest rate = monthly interest rate * 12 = daily interest rate * 360

The annual interest rate is expressed as a percentage, the monthly interest rate is expressed in thousands, and the daily interest rate is expressed in 10,000 percent.

When calculating interest, multiply by the annual interest rate if the deposit period is annual, multiply by the monthly interest rate if the deposit period is monthly, and calculate the daily interest rate if the current term is based on days.

If the interest rate given by the stem does not match the deposit period, it should be converted using the above formula.

At present, the annual interest rate of China Merchants Bank's 1-year lump sum deposit and withdrawal is interest = principal * annual interest rate.

100,000 yuan is deposited in the bank for a fixed term, and how much interest can be earned in a year, I will teach you to calculate it with a pen.

The current annual interest rate of the bank's one-year fixed deposit or.

10,000 yuan regular interest income due for one year:

10,000 * yuan Total principal and interest: 10,325 yuan.

Or. 10,000 * yuan Total principal and interest: 10,330 yuan.

The interest rate on deposits in banks is calculated on an annualized basis.

1. Interest calculation formula: principal, interest rate, time, interest.

The interest is: 10,000 * 3% * 1 = 300 yuan.

The interest is: 10,000*.

The interest is: 10,000*.

And so on, pay attention to multiply by the corresponding year or the corresponding month before the full year and divide by 12.

It is a zero deposit congratulatory notice to take the business shirt to shoot the accompaniment, and the interest rate is currently one year.

Three years. Five or stupid years.