What is the interest rate for depositing 300,000 yuan in Ping An Bank for 3 months

The annual interest rate of Ping An Bank's three-month fixed deposit is 300,000* yuan for a one-year deposit of 300,000 yuan.

2. The principal and interest will be automatically renewed according to the original deposit period after the maturity of the lump sum deposit;

3. The whole deposit and lump sum withdrawal support all or part of the early withdrawal, and the interest is calculated according to the current deposit interest rate on the day of withdrawal, and the interest is still calculated according to the interest rate listed on the original deposit period and the original deposit date.

Ping An car owner loan] can get a loan if you have a car, up to 500,000.

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300,000 three-year fixed interest, taking the annual interest rate of Bank of China as an example, according to the calculation formula of bank interest: interest = principal * interest rate * deposit period. According to the 2021 Bank of China deposit rate:

Demand deposit. The annual interest rate is 300,000 yuan for a deposit in the Bank of China for one year.

Further information: Time deposit refers to a form of savings in which the depositor deposits cash into a fixed savings account opened by a banking institution, agrees in advance to save for a fixed period of time, and receives a return at an interest higher than that of the current deposit, and can receive the principal and interest after the maturity.

A fixed deposit is the money or currency that the depositor temporarily transfers the right to use to the bank under the condition that the depositor retains ownership, and is the most important source of credit funds for the bank.

If the depositor withdraws the fixed deposit before the agreed savings period, the bank will usually handle the transaction in the form of a demand deposit. Depositors are often required to notify the bank one day in advance to request an appointment for withdrawal before they need to withdraw a large amount of deposit, in case the bank has enough cash to make the payment.

The interest rate on bank deposits is not adjusted every year, but is made by the state at any time according to the operating conditions of the economy, and the interest rates on fixed deposits of all banks in China, such as the Industrial and Commercial Bank of China, the Construction Bank, the Bank of China, the Agricultural Bank of China, and the Bank of Communications, are the same, and this is uniformly set by the People's Bank of China.

Interest rates are divided into simple interest and compound interest rates:

Interest i=p*i*n, where i represents interest, i represents interest rate, and n represents the number of years of deposit. China uses the simple interest calculation method.

Simple Interest Method: Interest = Principal Interest Rate Term.

Compound interest method (used to calculate interest on automatic rollover): f=p (1+i)n (power).

f: Compound interest terminal value. p: Principal. i: Interest rate. n: an integer multiple of the time the interest rate was obtained.

The interest rate is the basis for calculating the amount of interest, and it is an important lever to mediate economic development.

Interest rates generally have three forms: annual interest rate, monthly interest rate and daily interest rate. The annual interest rate is expressed as a few percent of the principal amount and is called in China"points";The monthly interest rate is expressed in thousandths of the principal amount and is called in China"PCT";The daily interest rate is expressed in a few ten-thousandths of the principal amount and is called in China"milli"。

Deposits can be classified in a variety of ways, such as original deposits and derivative deposits according to the mode of generation, demand deposits and time deposits according to the maturity, and unit deposits and individual deposits according to the different depositors (taking China as an example). Personal deposits, i.e., resident savings deposits, are the currencies deposited by individual residents in banks.

。According to the latest People's Bank of China deposit and loan interest rate table: the interest rate of three-month time deposit is; The interest of a 300,000 fixed deposit for three months is 300,000*.

Bank deposit interest = principal interest rate term, for example, an investor deposits 100,000 yuan in a bank, the term is 3 years, and the interest rate is, then the maturity deposit interest = 10 30,000 yuan, it should be noted that some time deposits, large deposits, before the maturity of the withdrawal, according to the date of withdrawal of the bank demand deposit listed interest rate, will lose a part of the interest income. If the user also withdraws the deposit in advance after 2 years, the bank will calculate the interest according to the current deposit interest rate, and the user can only get 100,000 yuan of interest, compared with the maturity withdrawal, the user will lose more than 9,000 interest income.

The three-year benchmark bank deposit interest rate is that both local banks and state-owned banks are raised by a specific percentage above this benchmark interest rate, and what they get is the final deposit interest rate, and the floating ratio of local banks is much higher than that of state-owned banks, and it is also relatively safe, and the risk is relatively low. The three-year deposit interest rates of the four major banks (Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, and China Construction Bank) are all around.

Extended Materials. Is a bank deposit good.

In China, the principal and interest of deposits within 500,000 yuan are protected by deposit insurance regulations, and the security is very high, but it is also risky to go to the bank to deposit money, so you need to be careful of deposits and financial management. In actual life, some people originally went to the bank to handle deposits, but were fooled into buying financial products, this phenomenon is especially common in the elderly, bank staff in the introduction of such products, often say: "Now there is a product than the bank deposit income is several times higher, if you handle it, you can also send you a bag of rice or a barrel of oil", and tell you the income, may only be the highest income of this product.

It is not indicative of the actual benefits you will get. In this case, many people are easily misled by the emphasis on high returns. Because, compared with before, bank wealth management products are no longer allowed to promise to guarantee principal and interest, and they have been transformed into net-worth wealth management, and the income is floating and there is a possibility of loss.

300,000 yuan for 3 months interest; 300000*。$5. Banks provide depositors with fixed deposit services, and the interest for three months can be calculated according to the formula: interest = deposit amount * interest rate 12*3.

It is understood that the central bank implements a three-month regular benchmark interest rate, and major banks have certain adjustments in the central bank's benchmark interest rate in combination with their own conditions, such as ICBC and CCB regular three-month interest rates.

Look at what the bank's interest rate is for 3 months, generally around, then yuan.

Dear, hello, deposit interest = deposit amount * deposit time * deposit annual interest rate.

The interest rate on large deposits of each bank is slightly different to that of China Merchants Bank.

Deposit as an example, the specific analysis is as follows:

Minimum purchase of 300,000 yuan: according to the 6th period, three months of large-amount certificates of deposit.

The annualized interest rate is. For example, if you go to China Merchants Changchai Bank to deposit 300,000 yuan, the deposit method is a large-amount certificate of deposit, and the deposit period is 3 months, so the interest generated in 3 months is 300,000 * yuan.

The actual interest rate of each bank will fluctuate, please refer to the actual transaction interest rate.

Which bank is it?

Calculated at an annual interest rate, the interest of 300,000 yuan for 3 years = 300,000 * yuan.

In 2019, 300,000 yuan will be deposited in the bank, generally speaking, there are three situations: 1. Treasury bonds: the three-year coupon rate of savings treasury bonds is 4%, and the three-year interest rate of 300,000 deposits 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.

Ping An Bank's interest rate of 200,000 yuan for a three-year fixed registration period is the difference between the cash interest and the macro rate of the deposit, and the interest on the deposit is 20,000 yuan, which is about 200,000 yuan.

According to the relevant information, the three-year fixed interest rate of Ping An Bank is 200,000.

The annual interest rate of 200,000 deposits in Luxiang Ping An Bank has reached 2% for one year. The annual interest rate for a two-year term is 3%. For a three-year term, the interest rate reaches 4% per annum.

200,000 yuan will definitely choose Ping An Bank's large deposits, and the fixed term is also a three-year bank rotation letter, with an annual interest rate of 5%. Then the interest that can be obtained every year is 200,000 5% = 10,000 yuan. In three years, you can get a total of 30,000 yuan.

RMB deposit and loan interest rate table.

Deposit Rate, Business Loan Rate, Provident Fund Loan Rate.

Ping An Bank. Deposit cycle.

Demand deposit. Lump sum deposit and lump sum withdrawal (3 months).

Whole deposit and whole withdrawal (6 months) posture shooting.

The whole manuscript is saved and taken (1 year).

Whole deposit and whole take (2 years).

Lump sum deposit and lump sum withdrawal (3 years).

Lump sum deposit and withdrawal (5 years).

Deposit interest rates. Annual interest rate.

300,000 deposits, bank deposits, three-year interest, about 9,000 yuan. If there are no special circumstances, it is usually recommended to handle a fixed deposit business for large deposits. It is worth noting that the interest rate of fixed deposit is difficult to determine, and the interest rate of fixed deposit will continue to be determined according to the different years of deposit.

Among them, the highest annual interest rate is the 3-year deposit, which has a yield of about 10 years.

In addition to fixed deposits, ICBC's large-denomination certificates of deposit are also widely welcomed by depositors. However, it is worth noting that there is a certain threshold for large-amount certificates of deposit, and according to the current official data, the entry threshold for large-amount certificates of deposit of ICBC is 200,000 yuan. If you choose a large certificate of deposit, you can get a higher interest rate, up to a higher rate.

If we run a 3-year large-amount deposit project at ICBC, we will get about 10,050 yuan of interest a year. Relatively speaking, such a benefit is already very impressive. According to the relevant statistics of relevant departments, the interest rate of fixed deposits of many small local banks in China has reached 4%.

According to the 4% fixed deposit interest rate, the principal of 300,000 yuan can bring about 10,000 yuan of interest every year. This kind of profit is 2,000 yuan more than the large deposit of ICBC.

Summary. Qinqin, the loan is 300,000 yuan for 3 years, assuming that the repayment method is equal principal and interest, and the annual interest rate of the loan is, then the monthly repayment is 8, yuan, the total interest is 23, yuan, and the total repayment amount is 323, yuan, and the interest accounts for the total repayment.

Kiss, loan 300,000 for 3 years, assuming that the repayment method is equal principal and interest, and the annual interest rate of the loan is, then the monthly repayment is 8, yuan, and the total interest is 23, yuan, and the total repayment amount is 323, yuan, and the interest accounts for the total repayment.

Loan of 500,000 for 5 years.

Kiss, 500,000 yuan ear branch for 5 years, such as the suspicion of the fruit according to the annual interest rate of the loan, the total interest is 60, yuan, the total repayment is 560, yuan, and the monthly payment is 9, yuan.

Dear, the conditions of Ping An loan are as follows: Changchun.

1. The conditions for the first-hand housing loan: 1. Provide valid identity certificate and marriage certificate 2. Have a stable job and income, and have a certain ability to repay principal and interest 3. The property information purchased, such as the purchase contract, down payment invoice, etc. 4. Good personal credit with a basis 5. Other conditions stipulated by Ping An Bank.

2. Conditions for car purchase loans1, the borrower is required to be a Chinese citizen, and foreigners, Hong Kong, Macao and Taiwan must meet other requirements 2, be over 18 years old 3, be able to provide valid identity certificates and marriage certificates 4, have good personal credit 5, and the first-hand car model needs to cooperate with Ping An Bank, and the service life of the second-hand car purchase vehicle shall not exceed 5 years 6. The purchased vehicle information, such as the purchase of a car and the down payment invoice.