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All banks have the same amount of interest on fixed deposits, and they all implement the unified interest rate of the People's Bank of China.
The latest benchmark interest rate for RMB deposits of financial institutions was announced on 7 July 2011.
Demand deposit. Three months, half a year, one year.
2 years, 3 years, 5 years
Interest = Principal Interest Rate Term.
1..Assuming the principal is 10,000 yuan, the regular three-month interest is yuan.
2.Assuming that the principal is 10,000 yuan, the regular half-year interest is 165 yuan.
3.Assuming the principal is 10,000 yuan, the regular one-year interest is 350 yuan.
4.Assuming the principal is 10,000 yuan, the interest for two years is 880 yuan.
5.Assuming the principal is 10,000 yuan, the interest for three years is 1,500 yuan.
6.Assuming the principal is 10,000 yuan, the regular five-year interest is 2,750 yuan.
Note: Interest tax was abolished on October 9, 2008 and is currently exempt.
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The deposit and loan interest rates of all banks in China shall be uniformly set by the People's Bank of China, and shall be uniformly implemented by all commercial banks.
In addition, in practice, the interest rate on loans can go up and the interest rate on deposits can go down (however, no bank has lowered the interest rate on deposits because it cannot absorb deposits).
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Most of the bank's income comes from the interest rate spread, the high loan interest rate is the income, the low deposit interest rate is the expense, and the income is reduced and the income is the interest rate difference
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Calculation of interest on deposits:
The bank calculates the interest based on the percentage (%) of the principal amount of the deposit, and the interest rate marked is the annual interest rate, for example, the interest calculation method for the whole deposit and withdrawal of 10,000 yuan (calculated according to the interest table below).
Three months, half a year, one year.
Two years: <>
Extended Content:Interest. Interest refers to the remuneration that the holder of money (creditor) receives from the borrower (debtor) for lending money or money 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.
Influencing factors. The amount of interest depends on three factors: the principal, the tenor, and the level of the interest rate.
The formula for calculating interest is: interest = principal x interest rate x deposit term.
According to the provisions of the State Administration of Taxation Guo Shui Han No. 2008 No. 826, the individual income tax on the interest income of savings deposits has been temporarily exempted since October 9, 2008, so the interest tax on savings deposits is temporarily exempted.
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Bank Deposit Interest Calculation Formula:
1. The deposit interest rate is uniformly stipulated by the state and announced by the People's Bank of China. Interest rate, also known as interest rate, is the ratio of interest to principal within a certain date, which is generally divided into three types: annual interest rate, monthly interest rate, and daily interest rate. The annual interest rate is expressed as a percentage, the monthly interest rate is expressed in thousandths, and the daily interest rate is expressed in thousandths.
2. The three interest rates can be converted, and the conversion formula is: annual interest rate 12 = monthly interest rate; Monthly interest rate 30 = daily interest rate; Annual interest rate 360 = daily interest rate.
3. The basic formula for calculating interest, the basic formula for calculating interest on savings deposits is:
Interest = Principal Deposit Period Interest Rate 4, Conversion of Interest Rate, of which the conversion relationship between annual interest rate, monthly interest rate, and daily interest rate is:
Annual interest rate = monthly interest rate 12 (month) = daily interest rate 360 (days); Monthly interest rate = annual interest rate 12 (month) = daily interest rate 30 (days); Daily interest rate = annual interest rate 360 (days) = monthly interest rate 30 (days).
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The annual interest rate is calculated as follows: The total annual interest rate refers to the total amount of principal and interest, which is calculated according to simple interest and compound interest. Simple interest accrual: annual interest rate 1 month * monthly interest rate compound interest accrual: annual interest rate (1 + monthly interest rate) to the n power, n is the number of months.
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How to calculate the percentage of bank deposit rate.
That is, the interest of saving 100 yuan a year is yuan.
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The interest depends on whether you deposit BAI on a regular basis.
du is still active,
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This question bai
If you want to, the principal * interest rate du * time can be calculated The total deposit interest rate is generally stipulated by the central bank, and I am afraid that there will be an answer.
What a mess, you will see this year's deposit interest rate for three months, six months, the annual interest rate is slightly higher, so I personally feel that it is very inappropriate to deposit, if you want to save money through this is unlikely to be realized, so it is not as good as the wealth management platform on the Internet, wealth management is a good choice, and the web version of wealth management also supports a maximum of 10 million recharge.
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Deposit to your Alipay on it, really,
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There are 100 percent, estimate 1,000 percent.
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The interest rate of the bank is determined by the interest rate of the bank, and the following are the current interest rates of some mainstream banks:
1.The five major state-owned commercial banks (Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Bank of China, Bank of Communications): the interest rate of demand deposits is, .
The three-month interest rate for fixed deposits is ,, the half-year interest rate for deposits is ,, the interest rate for one-year deposits is ,, the interest rate for deposits is for two years,, the interest rates for three years are ,, and the interest rates for five years are ,.
2.China Merchants Bank: The interest rate on demand deposits is,. The three-month interest rate of the fixed deposit is,,,The interest rate of the deposit is ,,The interest rate of the deposit is the one-year interest rate of the deposit,,The interest rate of the deposit is ,,The interest rate of the deposit is ,,The interest rate of the deposit is the interest rate of the five-year deposit,.
3.Shanghai Pudong Development Bank: The interest rate of demand deposit is,. The interest rate for a fixed deposit is ,, the interest rate for a deposit for half a year is ,, the interest rate for a deposit is 2% for a year, the interest rate for a deposit for two years is ,, the interest rate for a deposit for three years is ,, and the interest rate for a deposit for five years is ,.
4.Postal Savings Bank: Demand Deposit Interest Rate is ,. The interest rate for a fixed deposit is ,, the interest rate for a half-year deposit is ,, the interest rate for a one-year deposit is ,, the interest rate for a two-year deposit is ,, the interest rate for a three-year deposit is ,3%, and the interest rate for a five-year deposit is 3%.
5.China Guangfa Bank: The interest rate of demand deposit is,. The three-month interest rate of the fixed deposit is,,,,The interest rate of the deposit is ,,The interest rate of the deposit is 2% for one year,The interest rate for the two-year deposit is,,The interest rate for the deposit for three years is,,The interest rate for the deposit for five years is,The interest rate for the deposit is ,,The interest rate for the deposit is 5 years,,The interest rate for the deposit is ,,The interest rate for the deposit is ,,The interest rate for the deposit is 2% for the first year,
Bank interest is a fee that the bank will charge to the customer when it gives a deposit or loan to the customer. It is calculated by the bank in accordance with the regulations and depends on the amount of deposits or borrowings, the length of time, etc.
Bank interest is generally calculated on a monthly or daily basis, that is, a certain amount of interest is charged to the customer on a monthly or daily basis. Generally speaking, the longer the deposit period, the higher the interest rate, and vice versa.
Bank interest can be divided into two categories, one is the interest on time deposits, and the other is the interest on demand deposits. The interest on fixed deposits means that the depositor deposits the deposit in the bank for a certain period of time, and the bank charges interest at a certain interest rate; The interest on demand deposit means that the depositor can withdraw the funds at any time, and the bank charges interest at a certain interest rate.
The specific bank interest rate is determined according to different banks and different deposit tenors, generally speaking, the interest rate of demand deposit is lower than the interest rate of time deposit, generally around. The interest rate on fixed deposits is generally between 1% and 3%, and the specific amount of interest depends on the regulations of different banks.
Bank interest is charged by the bank, generally on a monthly basis, but also on a quarterly basis, depending on the bank. Generally speaking, bank interest is automatically deducted from the customer's account by the bank, and the customer does not need to pay it manually.
The role of bank interest is to make the bank profitable, so as to compensate the bank for the cost of providing services to customers. Bank interest can also allow banks to play social functions, so that customers have more funds to invest, so that the economic development of the society is faster.
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Glad you guessed your question. A rough estimate is that after 100 years of destruction in the Sui Destruction Hall, this 1 million will be about 20 million, 100 (1+10%) 100, the above is mine, I hope it can help you.
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If you have 1 million in the bank, you can get 10 million after 100 years.
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1000000 10% per mu
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