How much interest is there on saving 10 million a month

Approx. dollars. State-owned commercial banks and joint-stock banks.

Or it is a city commercial bank or a rural commercial bank.

If any bank deposits 10 million yuan, the interest rate on its current savings has hardly changed, and the interest rate of even the four major state-owned banks is just. Just according to the benchmark interest rate.

Calculated, the monthly interest of 10 million yuan is:

That is to say, under the current deposit rate, if 10 million yuan is deposited in the bank demand, the monthly interest is about 2,916 yuan.

If you choose a one-year fixed deposit with a bank, the monthly interest of $10 million is at least $12,500. But if you select a currency**.

According to the annualized rate of return of Yu'e Bao.

3% calculation, then the monthly income is about 25,000 yuan! It can be seen that choosing a bank current savings is the least cost-effective.

Extended Materials. For time deposits, the tenors of time deposits are generally 3 months, 6 months, 1 year, 2 years, 3 years and 5 years. If the deposit period is longer, the interest rate on the deposit will be higher.

With 10 million, no matter which bank you go to, you will be treated as a VVIP, after all, whoever pulls such a large deposit will earn it.

At this time, you can not only enjoy the best treatment, but also enjoy the best deposit interest rate. If it is one of the four major banks, you may be able to enjoy an interest rate of 3%, and some small and medium-sized banks will give a relatively large interest rate at this time in order to pull deposits, and the highest may reach 5%, and a deposit of 10 million is likely to exceed 5%.

Time deposits and demand deposits.

It is the choice we will face in saving money, so what is the difference between a fixed deposit and a demand deposit?

1. Interest rates are different. The interest rate on time deposits is higher than the interest rate on demand deposits, the central bank.

The prescribed benchmark interest rate for demand deposits is the annual and 1-year time deposit rates.

It's the year. Generally speaking, the longer the deposit, the greater the interest rate.

2. Liquidity is different. Demand deposits can be withdrawn at any time, and the interest on early withdrawal of time deposits will be calculated according to the interest of demand deposits, and there is a time limit for time limit on time deposits.

Demand deposit refers to a bank savings method that does not have a fixed term, can withdraw money at any time, and can be withdrawn by the depositor at his own discretion, and its interest rate is generally lower than that of a fixed deposit in the same period.

A fixed deposit, also known as a "certificate of deposit", is a deposit in which the bank and the depositor agree on the term and interest rate in advance at the time of deposit, and withdraw the principal and interest after maturity.

Some CDs can be sold in the market before maturity when the depositor needs funds. However, some certificates of deposit are not transferable and require the depositor to pay a fee to the bank if he or she chooses to withdraw funds from the bank before maturity.

In general, there is a big difference between a fixed deposit and a demand deposit. Demand deposits are more flexible, but fixed deposits have higher interest rates. When depositing, you can choose the deposit method according to your needs.

You can find someone who needs to make a loan return, and it will be more convenient if you have someone who knows the bank. The specific return depends on the ** of each place, and some places are 10,000 to return 200, that is to say, if you are 10 million, you can get an additional 200,000 income in addition to bank interest. 10 million bank fixed term 1 year can get interest of 350,000 yuan.

It depends on what you have saved, and the interest on the survival period is yuan.

The one-day call deposit is at least doubled, and the seven-day call deposit is almost five times that of the current account, and if you buy currency** or short-term wealth management products, it may reach about 6,000. For such a large amount, you can go to the bank and talk to the wealth manager.

You belong to a large amount of capital deposits, is a large customer of the bank, the deposit has preferential treatment, you can go to the bank to consult the specific preferential treatment, now the one-year time deposit interest is.

It is recommended that you go to a big bank, and it is convenient for you to have many business outlets.

Based on the latest Bank of China deposit rate, one month is calculated based on the current interest rate.

The interest is: 10,000,000*RMB.

The interest rate of the bank is fixed, and a certain amount of RMB is deposited in the bank, and the term of the deposit and the interest earned becomes

At present, the annual interest rate of China Merchants Bank is.

The interest of 10 million RMB deposited for 1 day is RMB.

Both current and fixed terms are uniformly stipulated by the central bank, and the deposit bank is the same, if it is replaced with a wealth management product, there is a difference!

Interest on 1-day demand deposit = deposit principal * deposit interest rate 360 per annum. For example, if the deposit is 10 million yuan and the annual interest rate of the demand deposit is, then the interest of one day is yuan.

What is Bank Rate?

The bank interest rate, also known as the interest rate, represents the ratio of interest to principal over a certain period of time, expressed by using percentages.

Formula: Interest Rate = Interest Principal * 100%.

Generally speaking, interest rates are expressed in the following ways: annual interest rate, monthly interest rate, and daily interest rate according to the term standard of measurement.

According to the economic relationship on which the interest rate depends, the interest rate can be divided into the deposit interest rate and the loan interest rate.

Bank interest rate calculation method:

1. The calculation formula of equal principal and interest loan: monthly repayment amount (referred to as monthly principal and interest) = loan principal x monthly interest rate [(1 + monthly interest rate) number of repayment months] [(1 + monthly interest rate) number of repayment months] - 1

2. The calculation formula of equal principal loan: monthly repayment amount (referred to as monthly principal and interest) = (loan principal and number of repayment months) + (principal - cumulative amount of repaid principal) x monthly interest rate.

The latest loan calculator, the difference between the interest calculation method of the two loans.

These two calculations are not the same. Equal principal and interest loans are calculated at compound interest rates. At the settlement time of each instalment, the interest generated by the remaining principal is calculated together with the remaining principal (loan balance), which means that the unpaid interest is also calculated, which seems to be more powerful than "rolling interest".

In foreign countries, equal principal and interest loans are recognized as a loan method that suits the interests of lenders.

However, interest is calculated on a simple interest rate basis for equal principal loans. At the settlement time of each instalment, it only accrues interest on the remaining principal (loan balance), saying that the unpaid loan interest is not calculated as interest together with the unpaid loan balance, but only the principal is calculated as interest. However, the longer the loan period, the more interest will be generated on an equal principal and interest loan than on an equal principal loan.

Therefore, if the borrower is unable to adjust (or choose) the repayment method, the longer the loan period, the more the borrower should choose the same principal loan.

I don't know if your deposit is current or fixed, if you deposit a fixed term, the length of time is different, and the interest rate is different, so I will calculate it for you according to the current one. The interest rate for a current term for one year is.

A day's worth of interest income is:

10,000,000 * yuan (keep 2 decimal places).

But if you calculate it according to one year, you still can't get so much money, because the bank charges 20% interest tax, which means that you can get 100000008* yuan for saving for one year.

10 million deposited in the bank has about 30,000 yuan of interest a month.

1. If it is deposited in a state-owned bank.

One-year fixed deposit interest rate.

Probably around, 10 million yuan per month interest is 10 million * yuan, three-year fixed deposit interest rate is about 10 million * yuan, 10 million yuan per month interest is 10 million * yuan, 10 million deposit state-owned bank fixed deposit interest rate is about 30,000 yuan per month.

2. If you want to take interest every month, state-owned banks also have large certificates of deposit.

The interest rate of the 3-year large-amount certificate of deposit is about the same, with a monthly interest of 34,833 yuan, and the interest can be withdrawn on a monthly basis, which is more liquid than that of time deposits.

3. One-year fixed: At present, the interest rate of most banks for a one-year fixed term is between to, but a one-year fixed deposit of 10 million, most banks can at least give the above interest rate, and a few banks may even get an interest rate of 3%, which means that a deposit of 10 million will receive at least 250,000 to 300,000 interest per year, and the average is between 20,000 and 10,000 per month.

4. Two-year fixed: At present, the interest rate of most banks for two-year fixed interest is between 3%, but for 10 million deposits, most banks can give the interest rate between them, which is equivalent to 10 million deposits, and the annual interest is about 280,000 to 350,000, which is equivalent to the monthly interest between 10,000 and 10,000.

5. Three-year fixed-term interest: At present, the interest rate of the three-year fixed term of most banks is between 10 million, but for a huge deposit of 10 million, many banks can give an interest rate of between 4% and 5%, which is equivalent to an annual interest of about 400,000 to 500,000, and the average monthly interest is between 10,000 and 10,000.

6. Five-year fixed-term: At present, many large banks do not like five-year fixed-term loans, and for many small banks, the five-year fixed interest rate.

It is similar to a three-year term, but if you deposit a one-time deposit of 10 million for 5 years, most banks can give the above interest rate, and even give about the interest rate, which is equivalent to a year's interest between 450,000 and 550,000, and the average monthly interest is between 10,000 and 10,000.

The monthly interest of 10 million deposited in the bank is 2,916 yuan. Rip the bridge.

The term of fixed deposits of the central bank and major banks is from three months, so 10 million deposited in the bank can only be a demand deposit for one month. According to the calculation formula of the current interest rate and interest on the official website of the central bank (interest = principal deposit interest rate), the one-month interest of 10 million deposited banks is 2,916 yuan.

In addition, the deposit rates of other storage methods of the central bank in 2020 are as follows:

1. Time Deposits:

1) Three-month, half-year, one-year, two-year, three-year.

2) One year or three years for the lump sum deposit, the lump sum deposit and the interest on the principal deposit.

3) The fixed life and two points shall be implemented at a 6% discount at the interest rate of the same grade for regular deposits and lump sum withdrawals within one year.

2. Call deposit: one day, seven days.

3. Personal housing provident fund deposit: paid in the current year and carried forward from the previous year.

In addition to the central bank, the Industrial and Commercial Bank of China, the Agricultural Bank of China, the China Construction Bank, the Bank of China, the Bank of Communications, the China Merchants Bank, the Postal Savings Bank, the CITIC Bank, the Ping An Bank, the Guangfa Bank and other major banks have current deposit interest rates.

Difference Between Time Deposit and Demand Deposit:

1. Define the difference.

A fixed deposit is a deposit in which the depositor temporarily transfers the right to use the funds or currency to the bank under the condition of retaining ownership, and withdraws the principal and interest after maturity.

2. Difference in liquidity.

Fixed deposits have a specific deposit period, as little as three months, as many as five years, ten years, can not be withdrawn in the short term, if in advance, the interest rate is calculated according to the current deposit, demand deposits are deposited at any time and withdrawn, and the liquidity of funds should be higher.

3. Difference in interest rates.

The longer the term of a fixed deposit, the higher the interest rate, and a demand deposit is a type of deposit with no fixed tenor, and the interest rate is generally fixed and usually lower than the interest rate of a fixed deposit.

10 million deposited in the bank has about 30,000 yuan of interest a month.

If it is deposited in a state-owned bank, the interest rate of a one-year fixed deposit is about 10 million yuan per month, the interest rate of a three-year fixed deposit is about 10 million yuan per month, the interest rate of 10 million yuan per month is about 10 million yuan, and the interest rate of a fixed deposit of 10 million yuan in a state-owned bank is about 30,000 yuan per month.

If you want to take interest every month, state-owned banks also have large certificates of deposit, and the interest rate on 3-year large certificates of deposit is about the same, with an interest rate of 34,833 yuan per month, and you can take interest on a monthly basis, which is better than time deposits. Extended Resources:

One-year fixed-term interest: At present, most banks have a one-year fixed interest rate, but 10 million deposits are fixed for a year, most banks can at least give more than the interest rate, and very few banks may even get a 3% interest rate, which means that 10 million deposits will get at least 250,000 to 300,000 interest per year, and the average is between 20,000 and 10,000 per month.

4. Two-year fixed: At present, the interest rate of most banks for two-year fixed interest is between 3%, but for 10 million deposits, most banks can give the interest rate between them, which is equivalent to 10 million deposits, and the annual interest is about 280,000 to 350,000, which is equivalent to the monthly interest between 10,000 and 10,000.

5. Three-year fixed-term: At present, the interest rate of the three-year fixed interest rate of most banks is between 10 million, but for a huge deposit of 10 million, many banks can give an interest rate between 4% and 5%, which is equivalent to an annual interest rate of about 400,000 to 500,000, and the average interest per month is between 10,000 and 10,000.

6. Five-year fixed-term: At present, many large banks do not like five-year fixed-term ten-term, for many small banks, the five-year fixed lease interest rate is similar to the three-year fixed, but if you save a five-year fixed term of 10 million at one time, most banks can give the above interest rate, and even give about the interest rate, which is equivalent to a year's interest between 450,000 and 550,000, and the average monthly interest is between 10,000 and 10,000.