What is the maximum interest rate in the bank right now?

1. At present, the maximum deposit interest of the bank is that the fixed deposit is required for more than five years (including five years).

2. At present, the maximum loan interest of the bank is more than five years.

3. Since the annual interest rate of deposits and loans is floating, please consult the bank for details.

The maximum interest rate of the bank is the annual interest rate.

What is Interest?

Interest is the fee for the use of money for a certain period of time, and refers to the remuneration received by the holder of the currency (creditor) from the borrower (debtor) for lending money or monetary capital. This includes interest on deposits, loans, and interest 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.

1. Money other than the principal obtained from 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. Interest is less abstract and generally refers to the remuneration paid by the borrower (debtor) to the lender (creditor) for the use of borrowed money or capital. Also known as sub-gold, the symmetry of the mother gold (principal).

The formula for calculating interest is: interest = principal interest rate deposit term (i.e. 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 to the real economic sector, and its calculation formula is: interest = principal interest rate 100% of the deposit period

Interest formula: interest (annual) = principal annual interest rate (percentage) deposit period.

or interest = principal interest rate time.

Deposit interest = principal number of days listing interest (daily interest rate) = number of interest-bearing days daily interest rate.

Interest tax = interest on deposits (amount of income tax payable) Applicable tax rate.

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.

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.

The benchmark interest rate for RMB deposits of financial institutions announced on October 20, 2010. Demand deposit.

Trimester. Half. Year.

One. Year. Two. Year.

Three. Year. Five. Year.

Interest = Principal Interest Rate Term.

Interest for one year = 100,000

2500 yuan.

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

That's a trust or buying a wealth management product. Trusts can be considered, some even more than 10%, but the threshold is high, and you should have a chance with a million.

Treasury bonds are similar to fixed-term bonds, and most of them are currently three-year or five-year tenors, and the interest rate is about 5%.

Agreement deposit, you can talk to the bank, your money is relatively large, see if they can give you a better interest rate.

You can also directly buy Southern Cash** or GF Currency**Class A**, with a minimum investment of at least one million and a performance of more than two years.

But the flexibility is quite good. When using the money, you can redeem it two business days in advance.

1. The court will not support the change of the interest paid to the principal.

2. The law stipulates that the maximum amount of inter-bank loans shall not exceed 4 times of the current bank's benchmark interest rate, and some courts will not support it.

3. It cannot be calculated according to the maximum borrowing interest rate of 5 years, and if it is overdue for 17 months, it belongs to 1 to 3 years of medium and long-term borrowing.

4. You should pay interest 10,000 = 34,850 yuan.

The maximum interest rate of the bank is the annual interest rate.

Commercial loan interest rate: The bank determines the differential loan interest rate according to various factors such as the purpose of the loan, the nature of the loan, the term of the loan, the loan policy, the personal credit of the lender, etc., that is, it is up (plus points) or down (minus points) on the basis of the benchmark interest rate. The upper limit is that the borrowing rate shall not exceed four times the one-year loan market** interest rate LPR (four times the one-year loan rate published since April 2020.

The maximum interest rate is the annual percentage rate.

Bank interest in 2021.

Bank of China. % p.a

Deposits of urban and rural residents and units.

Current and fixed-term.

Whole deposit and whole withdrawal. Three months and half a year.

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

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

One year and three years. Five-year fixed life and two pence Deposit with a fixed deposit of the same grade within one year and a 6% discount agreement at the interest rate of the same grade.

Call Deposits. Seven days a day.

Summary. Hello dear, glad to answer for you! Japan Post Bank has the highest interest rate.

Among the six major state-owned banks, the post office and the Agricultural Bank of China have the highest interest rates on fixed deposits. Especially at the post office, if you go to deposit for a fixed period of one year, in addition to interest, there are many points gifts. China Post Bank:

The interest rate for one-year deposits is, the interest rate for two-year deposits is <>, and the interest rate for three-year deposits is

What bank interest is the highest.

Hello dear, glad to answer for you! Japan Post Bank has the highest interest rate. Among the six major state-owned banks, the post office and the Agricultural Bank of China have the highest interest rates on fixed deposits.

Especially at the post office, if you go to deposit for a fixed year, in addition to the interest leakage, there are many points gifts. Postal Bank of China: The one-year deposit interest rate is, the two-year deposit interest rate is frank, and the three-year deposit interest rate is <>

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Industrial and Commercial Bank of China. The interest rate of ICBC's demand deposit is six months, and the interest rate of five years and three years is relatively high compared with other banks. Abc.

The interest of the Agricultural Bank of China for three months, six months, one year, and two years is the same as that of the Industrial and Commercial Bank of China, but the interest of the Agricultural Bank of China for three years and five years is relatively low. <>

Banks with high interest on deposits: Postal Bank, Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, and China Construction Bank.

1. Postal Bank

The highest interest rate is the Postal Savings Bank, only the current account is the same as the other five major banks, and the interest rate from three months to five years is significantly higher than that of the five major banks, especially the three-year term is very obvious.

2. Industrial and Commercial Bank of China

The interest rate of ICBC's demand deposit is six months, and the interest rate of five years and three years is relatively high compared with other banks.

3. Agricultural Bank of China

The interest rate of the Agricultural Bank of China for three months, six months, one year, and two years is the same as that of the Industrial and Commercial Bank of China, but the interest rate of the Agricultural Bank of China for three years and five years is relatively low.

4. Bank of China

The deposit interest of Bank of China is the same as that of Agricultural Bank of China, whether it is current or fixed, so it can be deposited in either Agricultural Bank of China or Bank of China.

5. China Construction Bank

The interest rate of CCB's fixed deposits for three months, six months, one year, and two years is higher than that of industry and commerce, agriculture, and Bank of China, but a little lower than that of postal services. And for three and five years, the interest is the lowest, only.

The maximum interest rate of the bank is:

The deposit interest rate of each bank is different, and the highest interest rate among the six major banks in China, namely Bank of China, Agricultural Bank of China, Industrial and Commercial Bank of China, China Construction Bank, Bank of Communications, and Postal Savings Bank, is the most common type in China.

The most cost-effective way to make a deposit:

1. The longer the savings period.

The higher the annual interest rate of the deposit, the higher the rent, and the investor can choose a deposit product with a longer maturity.

2. The higher the minimum deposit amount, the higher the profit.

Products such as large deposits and special bank deposits will be more profitable than traditional deposit products.

3. Under the premise of rising interest rates, the profit of deposits is relatively high.

When the state has a policy of raising interest rates, the interest on inventory will increase, and the profit will expand. <>