How to calculate the interest on the deposit of the Postal Savings Bank

1. Demand deposit: the interest rate is; 2. Fixed deposit and withdrawal: 3-month interest rate, 6-month interest rate, 1-year interest rate, 2-year interest rate, 3-year interest rate, 5-year interest rate; 3. Deposit and withdrawal, deposit and withdrawal, deposit and interest

1 year, 3 years, 5 years; 4. Fixed life and two pennies: the interest rate of the same grade will be discounted according to the regular lump sum deposit within one year; 5. Agreement deposit: the interest rate is 1%; 6. Call Deposit:

The 1-day interest rate is and the 7-day interest rate is.

All banks have the same amount of interest on deposits, and they all implement the unified interest rate of the People's Bank of China.

Benchmark interest rate for RMB deposits of financial institutions.

Demand deposit. Three months, half a year, one year, two years, three years, five years

Interest = Principal Interest Rate Term.

Assuming the principal is 10,000 yuan, the term is one year.

One-year interest = 10,000 225 yuan.

Note: Interest tax was abolished on October 9, 2008 and is currently exempt.

% of the annual interest rate of urban and rural residents and unit deposits

a) Current. b) Periodic 1Whole deposit and whole withdrawal.

Three months and half a year.

One year and two years. Three years and five years.

2.Fractional deposit and withdrawal, lump sum deposit and withdrawal, principal deposit and interest.

One year and three years. 5 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

Seven days a day. Interest = Interest Rate * Principal * Time.

Banks all implement the interest rate set by the People's Bank of China, and the interest rate is the same in any bank. The longer the interest, the higher the interest rate, and the early termination reduces the interest. If it is possible to use some of the funds in advance and want high interest, you may wish to deposit in batches and segments:

If you save a fixed amount of money every month for one year, you will have money every month after one year, and the interest is higher than that of a fixed one-year deposit. And so on.

The red book is called a passbook.

Demand rate. Interest will accrue to you on the 21st of each quarter.

Compound interest accrues.

According to the current one-year deposit interest rate of the postal bank, the one-year deposit interest of RMB 10,000 is calculated as follows: RMB. If you need to deposit enough money at one time, you need to prepare more money at one time, and you can choose to deposit and withdraw a certain amount of money at one time.

If you are usually short of funds, it is not recommended to choose time deposits, and it is more appropriate to choose demand deposits.

Extended Information] Deposit Bank Term:

Banks have three months, six months, one year, two years, three years, five years, etc., generally if the use of funds is not too certain, will choose to save for one year, and can put more time, generally choose three years, because the interest rate difference between three years and five years is very small, there is no need to choose five years. But the difference in interest rates between different banks, different maturities, is obvious.

1.Large banks.

Interest rates are generally relatively low in the state-owned banks. One-year interest rate, 1 million yuan a year interest of 10,000 yuan;

The three-year interest rate is, and if you deposit for three years, the one-year interest is 10,000 yuan.

2.Medium-sized banks.

Except for the four major banks, the interest rate is relatively higher, the one-year interest rate is 2%, and there is 20,000 interest for 1 million a year; The three-year interest rate is 1 million for three years, and the one-year interest is 10,000 yuan.

3.Credit cooperatives, postal savings banks, city commercial banks.

The interest rate of these types of banks is higher, with a one-year interest rate, and 1 million yuan of interest for a year; The three-year interest rate is 1 million for three years, and the one-year interest is 10,000 yuan.

Large certificates of deposit. Now most banks have launched a large-amount certificate of deposit business, large-amount certificates of deposit generally require a minimum deposit of 200,000 yuan, the interest rate rise is greater than that of general time deposits, the interest rate of three-year large-amount certificates of deposit is in, if the higher value is taken, 1 million yuan to buy a large-amount certificate of deposit, a year can get an interest of 10,000 yuan.

In fact, the money is stored in the state-owned banks, although the income is not higher than many private banks, but it is still relatively safe, the so-called high yield will be high risk at the same time, when choosing how to manage money, we must consider many aspects, do not regret because of the so-called "high interest".

1. Demand deposit: the interest rate is; 2. Fixed deposit and withdrawal: 3-month interest rate, 6-month interest rate, 1-year interest rate, 2-year interest rate, 3-year interest rate, 5-year interest rate; 3. Deposit and withdrawal, deposit and withdrawal, deposit and interest

1 year, 3 years, 5 years; 4. Fixed life and two pennies: the interest rate of the same grade will be discounted according to the regular lump sum deposit within one year; 5. Agreement deposit: the interest rate is 1%; 6. Call Deposit:

The 1-day interest rate is and the 7-day interest rate is.

In 2022, the one-year interest rate of the Postal Savings Bank of China's large-amount certificate of deposit will be about about 23,500 yuan, and the interest you will get after depositing 1 million yuan for one year will be about 23,500 yuan. The three-year fixed interest rate is about about 1,000,000*. The five-year term interest rate is about the same.

Precautions for purchasing large certificates of deposit: It depends on the bank where the deposit is made. The annual interest rate on large deposits in large state-owned banks has risen by up to 50 percent, joint-stock banks by up to 52 percent, and urban commercial banks and rural commercial banks by 55 percent.

This is mainly due to the fact that large state-owned banks are not bad for money, so the interest rate increase is smaller, while the interest rate of small and medium-sized banks and even private banks is higher. 2 Postal interest 2022: interest is.

For the high-yield products of the Postal Savings Bank, it is first necessary to clarify the attributes of the product, and if the bank is responsible for selling, then it is necessary to pay attention to whether it is an insurance and wealth management product distributed by the bank. The Postal Savings Bank's promotional campaign stated that the 5-year regular annualized interest rate could be reached. Therefore, if the nature of the product is really a 5-year fixed deposit, it is still worth buying.

3 The interest rate of the three-year fixed deposit of the Postal Savings Bank is now, so the interest due on the 300,000 fixed deposit is 29,250 yuan. The interest of the Postal Savings Bank is calculated by multiplying the principal amount of the deposit by the annual interest rate and then multiplying it by the time of the deposit. Postal Savings Bank deposit rates.

The interest rate of demand deposit is time deposit, the interest rate of three-month deposit is half-year, the interest rate of one-year deposit is one-year, the interest rate of two-year deposit is three-year, the interest rate of five-year deposit is 4, and the interest rate of Postal Savings Bank of China depositing 200,000 large-amount certificates of deposit for three months is about about 750 yuan. The interest rate for a fixed year is about that, and the interest rate for a regular term of three years is about that.

<> 2022, the three-year interest rate of the Postal Savings Bank of China is: The three-year interest rate for the whole deposit and withdrawal, the whole deposit and the interest on the principal deposit is:

The 2021 Postal Savings Bank of China RMB deposit interest rates are as follows:

Demand rate. The fixed interest rate includes lump sum deposit, lump sum deposit, lump sum deposit, principal deposit and interest and fixed deposit.

Lump sum deposit and withdrawal interest rate: 3 months, 6 months, 1 year, 2 years, 3 years, 5 years.

Interest rates for lump sum deposits, lump sum deposits, and interest rates for principal deposits: one year, three years, five years.

Fixed and easy rate: 6% discount at the interest rate of the same grade for regular lump sum deposit within one year.

In 2021, the three-year interest rate of China Wuzhao Postal Savings Bank and Hengqiao Bank is: The three-year interest rate for the whole deposit and withdrawal, the whole deposit and the interest on the principal deposit is:

The 2021 Postal Savings Bank of China RMB deposit interest rates are as follows:

Demand rate. The fixed interest rate includes lump sum deposit, lump sum deposit, lump sum deposit and rent, principal deposit and interest and fixed living.

Lump sum deposit and withdrawal interest rate: 3 months, 6 months, 1 year, 2 years, 3 years, 5 years.

Interest rates for lump sum deposits, lump sum deposits, and interest rates for principal deposits: one year, three years, five years.

Fixed and easy rate: 6% discount at the interest rate of the same grade for regular lump sum deposit within one year.