How to deposit the existing RMB 600 million in the bank specific steps and calculation of interest T

The steps to deposit a relatively large deposit amount are as follows:

1.Because the deposit amount is relatively large, you need to make an appointment with the bank.

2.Bring the money to the bank to go through the deposit process.

3.The money was deposited successfully.

Interest is calculated as follows:

Demand deposit. 3 months fixed deposit.

Semi-annual fixed deposits.

One-year fixed deposit.

2-year fixed deposit.

Three-year fixed deposit.

The interest on the deposit is calculated based on the tenure of the deposit and the interest rate, assuming that the deposit has a one-year fixed term, the interest is as follows:

600 million * million, a fixed year is 10.5 million interest.

Extended information: Many people may not know the existence of large-amount certificates of deposit, from the encyclopedia we can know that large-amount certificates of deposit are actually a kind of large-amount deposit certificates, which are similar to ordinary time deposits in many aspects, but have more advantages than ordinary time deposits.

First: higher interest rates on deposits. The interest rate on large deposits of the same bank must be higher than that of ordinary time deposits.

Second, there is more flexibility, and large certificates of deposit can be transferred before maturity.

Of course, large certificates of deposit are not something that can be deposited if you want to, as the name suggests, large deposits require a relatively large deposit amount to be deposited, for individual investors this limit is 200,000, for institutional investors this amount is 10 million.

When we have 200,000 yuan in our hands ready to deposit, we can choose a large deposit, but it should be noted that each bank has a quota for large deposits, and if the quota is used up, we may need to wait for the quota to be applied for again before depositing.

If you don't need to consider the flexibility of funds, then it is natural to deposit how to deposit with more interest, but in fact, many people often need to consider the flexibility of funds when depositing, after all, everyone has a time when they need money urgently. If you need to withdraw it before it matures, you will lose a lot of interest, so you can try the tiered deposit method to make our deposit funds have a certain flexibility and at the same time have a lot of returns.

Example of ladder deposit method: If we have 200,000 yuan in hand, we can divide this money into 3 parts, which are 70,000, 70,000, and 60,000 yuan. All the money is deposited in the bank, but the deposit period is one year, two years, three years, and after the one-year deposit expires, if it is not needed, it is deposited into a three-year deposit, and so on.

After three years, a deposit matures every year, and the interest rate on each deposit is calculated based on the three-year deposit rate.

The use of the tiered deposit method maximizes the flexibility of our funds, and even if we need to use the money in the middle of the process, the loss of interest is minimized.

The interest is the same about 3% (before tax) You can put the interest into a card every year It is recommended to deposit it in batches It is best to be a foreign bank Domestic banks have a lot of trouble! For example, if you have more than 300,000 deposits, you need to apply in advance! I don't know whether to withdraw money or borrow money, trouble!

Let's go to the business hall and ask The inside story is only known to the manager

Why do you keep so much money in the bank? Of course, it's a business!

If you deposit it, you will be a super invincible VIP customer, and everyone in the bank, including the president, will nod to you, and you will not have to queue up from now on.

Just put it on the bed at home (this is, if you don't choose me, I'm in a hurry with you!!

My card number: 9558800408112958991, please call me 10,000 on the line, thank you, help the little brother, I've been short of money recently!!

6e!!!Go directly to a larger bank and talk to their key account manager.

What's good, you just have to come more.

According to the current annual interest rate of the bank, the interest of RMB 100 million per day is calculated as follows: RMB, that is, RMB interest can be earned in one day.

Calculated at the 2015 annual interest rate.

100,000,000 * yuan 1003,000,000 annual interest.

6000000000 * 612 million annual interest.

Hope you can.

Time deposit interest rate, 600,000,000 yuan (year).

Tool Description: Check the deposit interest rate and minimum deposit amount of various types of savings deposits in RMB and foreign currencies at each bank.

Operation steps: "Currency" can be selected in various currencies such as RMB, USD, etc.; "Type" can select various types of deposits such as "Current", "Fixed", "Fixed Deposit", "Call Deposit", etc.;

Calculated on a current basis:

The daily interest is: 2600000000 * (yuan (simple calculation).)

When calculating the remaining interest rates, you will be able to change them to the interest rates that need to be exchanged.