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Anonymous users2024-02-07How to calculate the interest on the lump sum deposit, when the interest on the savings of the lump sum deposit is calculated, the interest will be calculated and paid according to the interest rate of the fixed deposit and withdrawal of the fixed deposit announced on the account opening date. When the withdrawal is overdue, the interest shall be calculated and paid according to the interest rate of the current savings deposit announced on the date of withdrawal.
There are several ways to calculate interest on fixed savings in small deposits, and it is advisable for families to adopt the method of "monthly accumulation of interest". The formula is:
Interest = Monthly Deposit Amount Cumulative Monthly Accumulation Monthly Interest Rate, where: Cumulative Monthly Accumulation = (Deposit Number + 1) 2 Deposit Times.
Based on this, the cumulative monthly accumulation of the one-year period is (12+1) 2 12=78, and so on, the cumulative monthly accumulation of the three-year and five-year periods is 666 and 1830, respectivelySavers only need to memorize these constants to calculate the interest on the lump sum savings according to the formula.
For example, a depositor opened a lump sum deposit account on March 1, 1997, and agreed to deposit 100 yuan per month for a fixed period of one year, and the interest rate of the deposit is monthly interest on the account opening date, and the interest payable by depositing it on a monthly basis until the maturity of the deposit period is:
Interest payable = $100 78.
I would like to ask how the monthly interest rate is calculated.
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Anonymous users2024-02-06Because in 1997, the annual interest rate of the whole deposit was.
The monthly interest rate is the annual interest rate.
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Anonymous users2024-02-05The annual interest rate divided by 12 is the monthly interest rate, and the annual interest rate divided by 360 is the daily interest rate.
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Anonymous users2024-02-04Lump sum deposit is a common method adopted by ordinary residents, taking the calculation of the interest rate of lump sum deposit as an example.
The balance of the lump sum deposit is increasing day by day, so we cannot simply use the method of calculating the interest of the lump sum deposit, but can only use the simple interest annuity method to calculate, the formula is as follows:
sn =a(1+r)+a(1+2r)+…a(1+nr)
na+1/2 n(n+1)ar
Among them, A represents the principal deposited in each period, and Sn is the sum of principal and interest after N periods, and Sn can also be called the final value of simple interest annuity. In the above equation, na is the total amount of principal saved, and 1 2 n(n ten1)ar is the total amount of interest earned.
Usually, the lump sum deposit is made once a month, and the deposit amount is the same each time, so for the sake of convenience, we can make the deposit period constant as follows:
If the shelf life is 1 year, then d = 1 2 n (n ten 1) = 1 2 12 (12 + 1) = 78
Similarly, if the deposit period is 2 years, then the constant can be calculated from the above equation d=300, and if the deposit period is 3 years, the constant is d=666.
In this way, we have: 1 2 n(n ten 1) ar=dar, that is, the interest on the fractional deposit.
For example, you deposit $1,000 per month. The deposit period is 1 year, and the monthly interest rate of the deposit is the current one-year one-year zero deposit and withdrawal monthly interest rate implemented from October 29 of the year), then the annual interest at maturity is: 1000 78 yuan).
If the depositor withdraws overdue, then the interest on the balance at maturity on the number of days of expiration will be calculated according to the interest rate of the current account.
There is another way to calculate the interest on the lump sum deposit, which is the fixed interest calculation method.
The so-called fixed interest calculation method is to use the accumulation method to calculate the interest of each yuan into a fixed interest, and then multiply the fixed interest per yuan by the balance at maturity to obtain the interest amount.
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Anonymous users2024-02-03The formula for calculating the interest on fixed savings is: interest, monthly deposit, accumulated monthly accumulation, and monthly interest rate.
The cumulative monthly accumulation (deposit times 1) 2 deposit times.
The cumulative monthly accumulation of one year is (12 1) 2 12 78, then the interest in the example is: 1000 (12) 78 yuan, the sum of principal and interest due = 12000+ yuan.
Lump sum deposits are a basic type of bank fixed savings. It refers to a saving method in which depositors agree on the deposit period, fixed deposit every month, and withdraw principal and interest once at maturity when making bank deposits. Fractional deposit is generally 5 yuan per month, once a month, if there is a leak in the middle, it should be made up in the next month, and there is only one chance to make up for it.
The deposit period is generally divided into 1 year, 3 years and 5 years.
The interest calculation of the lump sum deposit is calculated according to the actual deposit amount and the actual deposit period, and the specific interest rate standard is implemented according to the interest rate table. The procedures for opening an account for a lump sum deposit are the same as for current savings, except that they must be renewed every month according to the amount at the time of account opening, and the procedures for depositors to withdraw in advance shall be handled in accordance with the relevant procedures for lump sum deposits and lump sum time savings deposits.
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Anonymous users2024-02-02The formula for calculating the interest on a lump sum deposit is: interest = monthly deposit amount, accumulated monthly accumulation, monthly interest rate. The cumulative monthly accumulation (deposit times 1) 2 deposit times.
Based on this, the cumulative monthly accumulation of the one-year period is (12+1) 2 12=78, and so on, the cumulative monthly accumulation of the three-year and five-year periods of hunger is 666 and 1830, respectively. Just keep these constants in mind to calculate the interest on your savings according to the formula.
This calculation formula is only suitable for calculation, the actual deposit interest is related to the customer's monthly deposit date in advance or delay, and the interest due is only used for the monthly deposit date if the shape of the limb remains unchanged.
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Anonymous users2024-02-01It is more commonly used by ordinary residents in the case of a lump sum deposit.
The balance of the whole deposit and withdrawal is increasing gradually, and I can simply use the whole deposit and withdrawal to calculate the interest, and I can use the calculation formula of the single touch Wang Lijin formula:
sna(1+r)+a(1+2r)+…a(1+nr)
na+1/2
n(n+1)ar
Its A represents the principal deposited in each period, SNN period principal and interest, SN is called simple interest, terminal value NA, and the total amount of principal saved by 1 2
n(n x1) ar
The total amount of interest earned.
Deposit every month and the deposit amount is the same for the sake of my deposit period:
Deposit period 1d=1 2
n(n ten1) = 1 2 12 (12 + 1) = 78
The number of 2 with the same deposit period is calculated by the formula Ashino d=300, and the number of 3 with the deposit period is d=666
Calculation: 1 2n(n ten1) ar=dar is the interest of the whole deposit.
For example: deposit 800 yuan per month, deposit period 1, deposit monthly interest rate from 29 months, implement the current period of zero deposit and withdraw monthly interest rate) then maturity monthly interest: 800 78 yuan).
The interest on the balance of the depositor's overdue withdrawal period is calculated at the current interest rate.
Separate deposits are calculated in another way, and the interest is calculated on a fixed amount.
The so-called fixed amount of interest is calculated by the accumulation of the fixed amount of interest per dollar, and then the fixed interest per dollar multiplied by the interest amount on the balance of the period.
Fixed interest per dollar.
n(n+1)nar÷na
1 2 (n x1) r
I calculate the monthly interest rate of the current fixed deposit: 1 2 (12+1).
Deposit 800 yuan per month and balance for the period: 800 12 = 9600 (yuan).
Interest: 9600 yuan).
Deduct 20% interest tax yuan, real interest yuan. Look, right?
Which is convenient to go to, and the whole deposit and withdrawal are similar to each bank. However, I still recommend that you do a regular one-time pass, on the one hand, the interest rate is higher, on the other hand, if you need it urgently, you can directly take one of them, and the whole deposit feels too dead. (Southern Fortune Network Bank Channel).
Generally speaking: that is, you open a small deposit account in the bank, and sign a contract with the bank when opening an account to deposit a fixed amount every month, and agree on a deposit period of several years, the minimum is one year, and the interest of the lump sum deposit is slightly lower than the interest of the dead deposit, but much higher than the interest of the current deposit, which can help you develop the habit of saving money regularly. There is also that when you open a small deposit and withdrawal account, you had better have a commonly used account in this bank and there is money in it, to ensure that the amount in this account is sufficient, then the bank will automatically transfer money from your card to the account of zero deposit and withdrawal on the first day of each month, without you to deposit money every month, if there is no money in your card in the middle of a month, then you must pay the amount owed in the previous month in the next month, if you do not pay the full amount of two months in the next month, then your account will automatically be converted to an ordinary current account.
The formula for calculating the interest on fixed savings is: interest, monthly deposit, accumulated monthly accumulation, and monthly interest rate. >>>More