If 150,000 is saved for three years, 3 9 a year, is it cost effective?

At present, the one-year interest rate of Ping An Bank's fixed deposit is the one-year interest rate, and the three-year interest rate is one-year and three-year interest rate, and you can select "Lump Sum Deposit and Lump Withdrawal" through Ping An Pocket Bank APP-Finance-Deposit+.

<> the interest rate of three-year fixed deposits is only higher, which can only be said to be higher than the deposit interest rates of state-owned banks and joint-stock banks in the same period. If it is placed in a small local bank, it is not the highest interest rate. It is even worse than the interest rate of 3-year treasury bonds, and even worse than the interest rate of smart deposits of private banks.

150,000 yuan is not enough for the threshold of large-amount certificates of deposit, so you can only choose ordinary time deposits. As we all know, the interest rate on three-year fixed deposits of state-owned banks does not rise, except that even joint-stock banks have a maximum three-year interest rate of less than 20 percent, such as the three-year interest rate of the Industrial Bank. At the same time, it is also higher than the income of baby Internet financial products, they are generally around 3%.

Among the small local banks, there are many banks with a three-year interest rate of more than 4%, and these banks mainly refer to urban commercial banks, rural commercial banks, rural credit cooperatives, cooperative banks, etc., which have not been restructured. For example, the 3-year interest rate of Fujian Rural Credit Cooperatives is directly 55% higher than the benchmark interest rate. If the interest of 150,000 yuan due for 3 years is 19125, and the interest rate is 17500, the former is 1575 yuan more than the latter.

However, the interest on the early withdrawal of ordinary time deposits is calculated according to the current interest rate, and the interest loss is very large, and there is a serious lack of liquidity, which is its disadvantage.

The coupon rate of the recently issued 3-year treasury bonds is 4%, and although the interest due of 150,000 yuan is not much more than the interest calculated by the interest rate, the interest is not calculated according to the current interest rate, but the interest is calculated by the file, and the liquidity is much stronger than that of ordinary time deposits. The interest calculation method is based on the file, and the interest rate is not calculated for less than 6 months, the interest rate is less than 1 year for 6 months, the interest rate is less than 2 years for 1 year, the interest rate is less than 3 years for 2 years, and the interest rate at maturity is 4%. If it is withdrawn in exactly 2 years, the interest on treasury bonds is 150,000*, and the demand interest for early withdrawal of ordinary 3-year deposits is 150,000*, the difference between the two is 9,570*, which is too big.

If compared with the smart deposit of private banks, the gap is even greater. Take the Weizhong Smart Deposit + that has just closed the deposit channel as an example, with a minimum deposit of 50 yuan, the interest rate is 4% for 1 month, and it reaches for one year, but unfortunately it is currently sold out and suspended. However, there are still high-liquidity and high-yield private bank smart deposits that continue to be sold, such as the revitalization of the bank's one-year deposit, early withdrawal interest rate, and maturity interest rate.

If the interest of 150,000 is 150,000 * after one year, even if compound interest is not counted, the three-year interest will reach 22,500, and according to the calculation, the interest is only 17,500, and the interest on smart deposit is 5,000 more than that of ordinary deposits. There is also a 5-year fixed deposit of Yealink Bank, with an early withdrawal interest rate and a maturity interest rate, you can calculate by yourself! Ordinary fixed-rate deposits, both in terms of yield and liquidity, cannot be compared with smart deposits, which is the power of financial innovation.

If the 150,000 is saved for three years, it will be stored in the bank. There is also security, and the yield is also okay. This one is still quite cost-effective. If it is put into **, its income is a little lower.

I think it's still more cost-effective, a year's interest, about 5,008 a year, then three years have 15,000 income, which is still very appropriate.

I think it's more cost-effective. Because the deposit interest rate has remained unchanged for three years, this interest rate is higher than other deposit interest rates. So I think it's possible to make a deposit.

Taking China Merchants Bank as an example, the interest rate of China Merchants Bank's three-year fixed deposit is 150,000 yuan for three-year fixed interest of 150,000 yuan.

Taking Ping An Bank as an example, the current annual interest rate of Ping An Bank's three-year lump sum deposit and lump sum withdrawal (RMB) is 150,000 yuan for 3 years: 150,000 * yuan.

Further information: There are two types of deposit methods:

1.Time Deposit Certificate: As long as you fill in the deposit method (select lump sum deposit and withdrawal), name, address, **, deposit amount, ID card number, and finally select the deposit period and rollover period, and provide the original ID card, you can apply at the counter.

Now the deposit period is divided into: 3 months (interest rate month (interest rate year (interest rate year (interest rate year (interest rate year (interest rate year) interest rate year (interest rate 6 ways you can choose one.

Rollover Period: This is the period during which you continue to deposit the fixed deposit after maturity if you do not withdraw it.

For example, on January 1, 2008, I deposited a fixed deposit of 10,000 yuan for 2 years and transferred it for 1 year, and the interest rate for 2 years was.

The interest at the time of withdrawal on January 1, 2010 is: 10,000 * yuan after deducting interest tax, and the take-home interest is 963 * yuan.

If you do not withdraw on January 1, 2010, the bank will automatically roll over all your principal and interest at the prevailing interest rate for one year. This will reduce the loss you would not withdraw.

2.Fixed Deposit: Generally speaking, it is more suitable for people with more fixed deposits to handle this kind of deposit, and the first time you need to fill in the deposit method (choose a fixed deposit), name, address, **, deposit amount, ID card number, and finally select the deposit period and transfer period, and provide the original ID card can be handled at the counter.

In the future, you only need to fill in the deposit amount, select the deposit period and rollover period. The manner in which he holds and carries over the period is described above.

Friendly reminder: If you urgently need money to withdraw an unexpired fixed deposit in advance, the interest rate of this deposit will no longer be calculated according to the fixed interest rate, but according to the current interest rate on the date of withdrawal.

150,000 yuan for three years of regular interest, the interest is, and the interest due for three years is 150,000 yuan.

According to the current bank interest rate, the interest rate on deposits of each bank if the interest rate for a three-year period is between the time of the year.

150,000 deposit interest for 3 years: Generally, the annual interest for three years is about 15x350x3 15,750 yuan.

At present, the annual interest rate of China Merchants Bank for 5-year lump sum deposit and withdrawal is 20,625 yuan after 5 years of deposit.

Interest = Principal * Annual Interest Rate * 5.

The interest on saving 150,000 for three years is calculated as follows: 150,000 Then, the final result is the total interest you earn.

Further information: Generally speaking, interest is the fee for the use of money for a certain period of time, which refers to the remuneration received by the holder of the currency (creditor) from the borrower (debtor) for lending money or monetary capital. Generally speaking, it includes interest on deposits, loans, and interest incurred on various bonds. Under capitalism, the source of interest is the surplus value created by wage workers.

The essence of interest is a special form of transformation of surplus value, which is part of the profit.

Fixed income refers to the form of dividends paid to capitalists according to the amount of capital after China implements industry-wide public-private partnership for private industry and commerce. In 1956, it was stipulated that the amount of private shares determined according to the liquidation and verification of assets and capital at the time of the joint venture of the enterprise was set as an annual dividend of 5% regardless of industrial and commercial enterprises, large and small households, surplus households and loss-making households, regardless of region, and new and old joint ventures. If the fixed rate method has been adopted before this and the interest rate exceeds 5%, do not reduce it; Below 5% is raised to 5%.

The fixed interest rate was paid for seven years from 1956 and was extended for a further three years. Fixed interest is essentially a proper way to redeem the bourgeoisie.

Fixed interest rate is a form of redemption of the capitalist's means of production after the public-private partnership of the whole industry of the national capitalist enterprise in China, that is, regardless of the profit or loss of the enterprise, within a certain period of time, the state will pay the capitalist a dividend at a fixed interest rate (generally 5% per annum) according to the amount of private shares actually verified by the joint venture. It took a total of 10 years. This separates private shares from the right to use the means of production, and the means of production of enterprises are managed and used by the state in a unified manner.

After the fixed interest payment is stopped, the enterprise will completely become an enterprise owned by the whole people. The transformation of capitalist industry and commerce in China included the transformation of the bourgeois elements, which gradually transformed the exploiters into socialist laborers. With the completion of the capitalist industrial and commercial transformation, the bourgeoisie as a class was eliminated.

The annual interest rate of commercial bank fixed deposit for 3 years is 150,000 * 3 * yuan, and the maturity interest is 21,600 yuan.

150000*

The end result is the total interest you receive.

Total interest: RMB.

17,943 yuan 7 jiao 5 cents.

30,000 yuan fixed deposit for 15 years, the interest is 24,750 yuan.

Time deposit. The maximum term is 5 years, and if you want to save for 15 years, you need to save for 3 5 years. At the prevailing deposit rate.

Calculate, the interest can be earned in the first 5 years: Zen friends.

30,000 multiplied by 5 = yuan); If you don't take it when it expires, the bank will automatically transfer it by default, that is, you will deposit a 5-year fixed deposit, and add up the interest obtained from 3 5 years, which is the interest that can be obtained by saving 30,000 yuan for 15 years. Interest calculation formula.

It is mainly divided into the following cases:

1. The basic formula for calculating interest, the basic formula for calculating interest on savings deposits is: interest = principal * deposit period * interest rate;

2. Conversion of interest rates, including annual interest rates.

The conversion relationship between the monthly interest rate and the 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), in addition, the use of interest rate should be consistent with the deposit period;

3. The starting point of interest calculation in the interest calculation formula; The starting point for calculating interest on savings deposits is RMB, and no interest is payable on cents below RMB; The interest amount is rounded to the nearest cent, and the actual payment will be rounded to the nearest cent; Except for the annual settlement of current savings, which can transfer interest to the principal to earn interest, all other types of savings deposits, regardless of the deposit period, will be repaid with the principal at the time of withdrawal, without compound interest.

4. The calculation of the deposit period in the interest calculation formula; The calculation of the deposit period adopts the method of calculating the beginning and not the end; Regardless of the big moon or the small month.

Weekday months and leap months are calculated as 30 days per month, and 360 days for the whole year; The maturity date of all kinds of deposits is calculated on a year-to-month-to-date basis, and if the account opening date is a missing date in the maturity month, the last day of the maturity month is the maturity date.

On the maturity date of regular savings, such as not working on statutory holidays, you can withdraw it one day in advance, and the interest will be calculated as if it was due, and the procedures will be handled in the same way as early withdrawal. Interest is calculated as principal * annual interest rate (percentage).

Deposit period; Interest tax is charged.

Re* (1-5%); Total principal and interest = principal + interest.

15,750 yuan.

At present, the interest rate of the three-year large-amount deposit of the Jianxin faction implemented by China's famous banks is basically that the interest of 150,000 yuan for three years and one year is multiplied by 150,000 Tanna equals 5,250 yuan, and the interest for three years is 5,250 yuan multiplied by 3 equals 15,750 yuan.

Deposit 30,000 yuan per year for 5 consecutive years, and the interest is 10,000 yuan. Interest = principal and annual interest rate Deposit term, the principal is 30,000 yuan, the deposit term is 5 years, 4 years, 3 years, Hengheng 2 years, 1 year, the interest is respectively, 5 years interest = 10,000 yuan, 4 years of deposit for three years and one year, interest = 30,000 yuan, 1 year interest = 10,000 yuan, 4 years of deposit interest yuan. Interest on 3-year deposit = 3

10,000 dollars. 2-year deposit interest = 30,000 yuan, 1-year deposit or Bu interest = 30,000 yuan, 5 years total of 150,000 yuan, interest is 10,000 yuan = yuan.

164,850 yuan.

1. According to the deposit interest rate in the title, the annual interest rate of the 3-year fixed deposit is: , the interest available at maturity for 3 years is 150000 = yuan). plus the principal of 1,500,000 yuan, a total of 164,850 yuan.

2. Definition of interest: 1. Money other than the principal obtained due to deposits and loans (different from'Principal')。2. Interest (interest) abstractly refers to the value-added amount brought by the injection and return of monetary funds to the real economic sector.

To put it less abstractly, interest generally refers to the remuneration paid by the borrower (debtor) to the lender (creditor) for the use of borrowed currency or capital. Also known as sub-gold, the symmetry of the mother gold (principal). The formula for calculating the interest is as follows:

Interest = Principal Interest Rate The deposit period is large (that is, the time). Interest is the remuneration received by the owner of the fund for lending the money, which comes from the part of the profit generated by the producer using the money to perform the operating function. It refers to the value-added amount brought by the injection and return of monetary funds into the real economic sector, and its calculation formula is:

Interest = Principal Interest Rate Deposit period x 100% 3, classification of bank interest. According to the nature of the bank's business, it can be divided into two types: bank interest receivable and bank interest payable. Interest receivable refers to the remuneration that the bank receives from the borrower for lending funds to the borrower; It is the price that the borrower must pay to use the money; It is also a part of the bank's profits.

Interest payable refers to the remuneration paid by the bank to the depositor for absorbing the deposit; It is the price that the bank has to pay to absorb the deposit and is part of the bank's cost.