Which bank is better for a lump sum deposit? Which bank is better for a lump sum deposit What bank i

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).

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

The formula for calculating the interest on fixed savings is: interest, monthly deposit, accumulated monthly accumulation, and monthly interest rate. Among them tired.

Monthly accumulation (deposit times 1) 2 deposit times.

At present, the annual interest rate of the bank's fractional deposit is: 1 year 3 years % 5 years Assuming a monthly deposit of 500 yuan and a deposit period of one year, how much can be withdrawn after one year.

The cumulative monthly accumulation for a one-year period is (12 1) 2 12 78 Month Interest Rate: 12

Interest 500 78 yuan.

Sum of principal and interest at maturity = 6000+ yuan.

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

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Interest on a lump sum deposit.

It's the same for all banks.

So. All you have to do is choose a bank that's close to you.

Good service. Easy access to the deposit can be done.

A bank card can open multiple (including 2) lump sum deposits, which is a basic type of bank fixed savings, which refers to a savings method in which depositors agree on the deposit period, monthly fixed deposit, and withdraw principal and interest at maturity when making bank deposits. So which bank is better for fractional deposit and withdrawal?

1. The highest interest rate for small deposits and withdrawals (five years): Ping An Bank.

2. The highest interest rate for one-year deposit and withdrawal: China CITIC Bank, Ping An Bank, Everbright Bank, Industrial Bank.

3. The highest interest rate for lump sum deposit and withdrawal (2 years, 3 years, 5 years): Ping An Bank.

4. The highest interest rate for lump sum deposit and withdrawal (3 months, 6 months, 1 year): China CITIC Bank, Ping An Bank, Everbright Bank, Industrial Bank.

5. The highest interest rate on demand deposits: China CITIC Bank and Ping An Bank.

6. The highest interest rate for fractional deposits and withdrawals (three years): China CITIC Bank, Ping An Bank, and China Everbright Bank.

It must be pointed out that it is definitely more cost-effective to deposit and withdraw the whole thing. Deposit rates for both methods.

It's different. Time deposit.

The interest rate is higher, so fixed deposits are more cost-effective. Lump sum fixed deposit refers to a deposit with an agreed deposit term, lump sum deposit and lump sum withdrawal, and a lump sum withdrawal of principal and interest at maturity. Deposit terms are divided into three months, six months, one year, two years, three years, and five years.

During this period, it can only be withdrawn in advance once, and only in the certificate of deposit.

Account opening office. The expected annualized rate of fixed deposits for most banks.

It has risen to the highest level, which is a multiple of the baseline expected annualized rate. Features and applicable groups: Expected annualized interest rate.

It is the highest among deposits in the same period, and the liquidity is poor. It is suitable for the pursuit of high interest expected annualized expected returns, and can withstand certain liquidity risks.

of investors. Extended Resources:

1. Lump sum fixed deposit refers to a savings method in which the depositor agrees on the term of the deposit, makes a monthly fixed deposit, and withdraws the principal and interest at maturity. Small deposits and one-time withdrawals generally start from $5 per month and are deposited once a month. If there is a missing thing in the middle, it will have to be made up next month, and there is only one chance to make up for it.

Deposit terms are generally divided into one-year, three-year, and five-year periods. The expected annualized interest rate for a lump sum deposit is generally 60% of the expected annualized interest rate of a fixed deposit for the same period. Features and Applicable Population:

The deposit threshold is low. It is suitable for investors who do not have much money on hand and want to save money by saving. It is also suitable for saving pocket money for children.

and cultivating financial literacy.

2. Lump sum deposit and fixed deposit refers to an individual deposit with a fixed deposit period and principal agreed upon when opening a deposit account, and the principal is deposited at one time and withdrawn in regular installments. Deposit terms are available in one-year, three-year, and five-year terms. Deposits start from 1,000 yuan, and the withdrawal period is divided into one month, three months and half a year.

Interest is calculated based on the estimated annualized interest rate of all deposits listed on the account opening date and is withdrawn at maturity. Features and applicable people: The expected annualized interest rate advantage is low, but the liquidity is good.

It is suitable for parents to pay for the living expenses of their children. Withdrawal of principal and interest time deposit refers to a fixed deposit in which an individual deposits a large amount of RMB held by him at one time, withdraws interest in installments, and withdraws the principal at maturity. Deposit terms are available in one-year, three-year, and five-year terms.

Features: Low liquidity, low interest rates, ignored by the market.

Lump sum deposit is a method of fixed deposit, and the method of lump sum deposit and withdrawal is the same in various banks, and there is no comparison. Lump sum deposits are a basic type of fixed savings in banks.

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. The interest rate for a lump sum deposit is generally 60% of the interest rate for a fixed deposit in the same period.

It is a savings method in which depositors agree on the deposit period, monthly fixed deposit, and withdraw the principal and interest once at maturity when making a bank deposit. 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 lump sum deposit and withdrawal are the same for each bank.

You can deposit a few hundred dollars every month, albeit at a low interest rate, which can effectively save money.

It's not interesting, it is recommended to transfer to Yu Bao, the current annualized rate of return is close to 4%, 10,000 yuan a year has more than 380 yuan, the key is the current period, you can access it at any time, it is much more convenient.

Fractional deposit and lump sum withdrawal generally refers to the savings method in which the customer agrees on the deposit time when making a deposit, and then withdraws all the principal and interest at maturity at one time. Which bank is the most cost-effective for lump sum deposits? Relevant content has been prepared for your reference.

Generally speaking, all state-owned commercial banks and large commercial banks are basically the same, but the interest rate of some local commercial banks is likely to be slightly higher, because it is necessary to attract more customers to deposit.

Because the interest rate of the bank will change with time, so it is not specific which bank is good, basically the interest rate of the bank is about the same, there will not be a big change, the current interest rate of the deposit and withdrawal (five years) is relatively high is Ping An Bank, depositors in the bank, you can find more interest between some small banks to compare to choose the highest.

Generally, the lump sum deposit and withdrawal belong to the savings service varieties that first agree on the deposit period, the amount is fixed, and then the principal and interest are deposited at maturity and withdrawn month by month (only RMB is supported). The minimum deposit amount: 5 yuan (the starting point of the deposit machine is 100 yuan), and the deposit period can be selected for one year, three years and five years.

The formula for calculating the interest on fixed savings is: interest, monthly deposit, accumulated monthly accumulation, and monthly interest rate. (Among them, the cumulative monthly accumulation = the number of deposits + 1) 2 the number of deposits), if the depositor wants to calculate the interest, it can be substituted into the formula to calculate, and it is worth noting that the fixed savings of the whole deposit and withdrawal belong to the principal and interest protection, and investors do not have to worry about the loss of the principal when depositing it, and it is 100% safe.

Fractional deposit is a form of saving, but also a form of investment, which allows us to deposit a small amount of money on a regular basis and withdraw it regularly within a certain period of time, so as to achieve the dual purpose of saving and investing. So, which bank is better for a lump sum deposit?

1.Bank of China: Bank of China has three different products, namely time deposits, demand deposits and fixed deposits, which can be selected according to their needs, and the interest rate of Bank of China is relatively high, which is a good choice.

2.China Construction Bank: CCB also provides a lump sum deposit and withdrawal service, which is different from Bank of China in that it provides a combination of time deposits and demand deposits, which can be flexibly deposited and withdrawn, but the interest rate of CCB is relatively low.

3.Agricultural Bank of China: Agricultural Bank of China also has three kinds of fixed deposit and withdrawal products, namely time deposits, demand deposits and fixed deposit deposits, which have relatively high interest rates and are relatively good choices.

1.If you just want to achieve savings, you can use fixed deposits and demand deposits, and if you want to realize investment, fixed and current deposits are more suitable.

2.To choose according to your own financial ability, if you have less funds, you can choose Bank of China or Agricultural Bank of China, which have higher interest rates; If you have a large amount of funds, you can choose CCB, which provides a combination of time deposits and demand deposits, which can be flexibly deposited and withdrawn.

1.It can achieve the dual purpose of saving and investment: the dual purpose of saving and investment can be achieved by depositing and withdrawing the whole sum, so that we can deposit a small amount of money regularly without affecting our lives, so as to achieve the dual purpose of saving and investing.

2.Interest income can be obtained: Interest income can be obtained by depositing and withdrawing in a lump sum deposit, and the interest income of fixed deposit and live judgment deposit is relatively high, and the interest income of fixed deposit and fixed deposit is higher, which can allow us to get more income.

1.When choosing a product for partial storage, you should carefully read the introduction of the product to avoid unnecessary losses.

2.There is a certain amount of income from a lump sum deposit, but there is also a certain risk, so you should choose according to your own risk tolerance to avoid unnecessary losses.

Fractional deposit is a form of saving, but also a form of investment, which allows us to deposit a small amount of money on a regular basis and withdraw it regularly within a certain period of time, so as to achieve a double purpose of saving and investment. When choosing a lump sum withdrawal, you should choose according to your actual needs and economic ability, and read the introduction of the product carefully to avoid unnecessary losses. Fractional deposits and lump sum withdrawals allow us to achieve the dual purpose of saving and investing, and we can obtain certain interest income, but there are also certain risks, so we should choose according to our own risk tolerance to avoid unnecessary losses.