Can I withdraw my bank fixed deposit in advance?

OK. If the remaining time deposit is not less than the initial deposit amount, the interest will be calculated and paid on the withdrawn part according to the current deposit interest rate announced on the withdrawal date, and the remaining part of the deposit shall be executed according to the original interest rate and term; If the remaining time deposit is less than the initial deposit amount, the interest shall be calculated and paid according to the current deposit interest rate announced on the withdrawal date, and the time deposit shall be liquidated.

Hello. Bank fixed deposits do not mature and can be withdrawn early. When withdrawing in advance, the interest is calculated based on the current interest listed on the day.

Interest losses are significant. Therefore, try not to withdraw the fixed deposit in advance. You can borrow money from friends or relatives.

Wait until the deposit matures. Withdraw your fixed deposit so that you can reduce the interest loss on your deposit.

Normally. Bank fixed deposits can also be withdrawn in advance. But your interest will be lost, for example, as of today, the interest is 10,000 yuan. But if you withdraw early, you can only withdraw the principal.

Yes, as long as I bring my ID card, I can withdraw it in advance, but I will lose interest, and it is best not to take it out until I have to, and the current interest rate is too low.

If you can withdraw it, you need to bring your ID number, and you can withdraw the money by asking the local ** department to open a letter of introduction.

Now bank deposits, whether you can withdraw them at will, you will understand after reading this.

Fixed deposits, which can be partially withdrawn once in advance if they do not mature.

Fixed deposit is withdrawn at maturity, and the interest is calculated

1. In the case of non-maturity of fixed deposits, the interest shall be calculated according to the current account for early withdrawal;

2. In the case of non-maturity, part of the fixed deposit can be withdrawn once in advance, and the interest on the part withdrawn in advance will be calculated according to the current period, and the interest will be calculated on the remaining part according to the original deposit period and the original interest rate.

Therefore, if you do not need to withdraw all of your money in advance, you can withdraw part of it in advance, which can reduce the loss of interest.

Note: 1. For fixed deposits, if they are withdrawn in advance before maturity or after the maturity date, the depositor's ID card must be provided;

2. If it is withdrawn by someone else, you need to provide the ID card of both the depositor and the person who takes it to withdraw the money.

Bank fixed deposits can be withdrawn in advance. Bring your ID and sign a consent form to withdraw your money in advance. If you withdraw less than 10,000 yuan, you generally do not need to make an appointment in advance, you can withdraw it at the bank, and if you withdraw more than 10,000 yuan, call the bank customer service ** at least one day in advance to consult and make an appointment.

In addition, the part that has not yet reached the withdrawal date will be withdrawn in advance, and the interest will be calculated according to the current savings deposit interest rate announced on the withdrawal date, and the interest will be paid at the original deposit interest rate when the remaining part matures.

Fixed deposits can be withdrawn in advance. When you withdraw money in advance, you can bring your ID card and sign the consent form. If you withdraw less than 10,000 yuan, you generally do not need to notify the bank, and you can withdraw it at the bank. Notify the bank at least one day in advance for more than 10,000 yuan.

1. The interest rate of fixed deposits.

The interest rate on a fixed deposit is the rate of return paid by the bank to the depositor for the amount of the fixed deposit paid by the depositor in return for depositing the deposit in the bank in the form of a fixed term.

A fixed 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. It has the characteristics of a minimum deposit period of 3 months and a maximum of 5 years, a large margin of choice and a relatively stable interest income.

Fixed deposit refers to a form of savings in which the depositor deposits cash into a fixed savings account opened by a banking institution, agrees in advance to save for a fixed period of time, obtains a return at an interest higher than that of the demand deposit, and can receive the principal and interest after the maturity of the deposit.

2. How to calculate the interest on early withdrawal of bank fixed deposits.

1. If the full amount is withdrawn in advance, the bank will calculate and pay interest according to the current deposit interest rate announced on the date of withdrawal;

2. If the remaining time deposit is not less than the initial deposit amount, the withdrawal part shall be calculated according to the current deposit interest rate announced on the withdrawal date.

Interest is paid, and the remaining part of the deposit is executed according to the original interest rate and term;

3. The full amount shall be withdrawn at maturity, and the principal and interest shall be settled at one time according to the prescribed interest rate;

3. Calculation of interest on early withdrawal of bank fixed deposits

Suppose a customer deposits 20,000 yuan for two years, the interest rate is, during which the funds need to be withdrawn in advance, and the full amount is withdrawn in 1 year, and the current interest rate is, how much interest can the customer get.

All early withdrawal: total interest income = principal interest rate term = 20,000 * yuan.

4. Precautions for bank fixed deposits.

1. Cash and current savings deposits can be directly applied for fixed savings deposits, and the minimum deposit amount for regular account opening is 50 yuan, and there is no limit to more deposits.

2. The deposit period is three months, six months, one year, two years, three years, and five years, and you can withdraw part of the deposit in advance once, and the principal and interest can be withdrawn with the deposit certificate when the deposit expires, or it can be automatically transferred to multiple times according to the original deposit period.

You can withdraw it, and if you withdraw less than 10,000 yuan, you generally don't need to notify the bank, and you can withdraw it at the bank.

Notify the bank at least one day in advance for more than 10,000 yuan.

If you can solve the problem by withdrawing a portion of your deposit early, it is better to withdraw a portion of it. Interest on the part of the deposit withdrawn is calculated on the basis of current account. The interest on the remainder is still calculated at the fixed deposit rate.

The answer, of course, can be taken out in advance. Fixed deposit is not a lock-in period, nor is it an insurance during the lock-in period, it is just a way to save money, and the money is deposited in the bank for a long time, but due to special circumstances, it will not lose the principal and do not need to pay any handling fees, only interest. Fixed deposits are wealth management products that guarantee capital and interest, but for most people, this may not be a listed wealth management product, because it is basically difficult to generate high profits and does not have much risk.

Fixed deposits can be withdrawn in advance. Even if the fixed term deposit in the bank has not yet matured, the depositor can withdraw it in advance. Because of the relevant regulations, the unexpired fixed deposit has one chance to withdraw all or part of it in advance; Interest will be calculated at the current interest rate published on the day of withdrawal, and interest will still be calculated at the fixed interest rate if it is not withdrawn.

Interest is calculated based on the current interest rate on the day of withdrawal. Fixed deposits are withdrawn in advance, and the depositor loses interest.

Withdrawals can be made at the end of the bank's regular period.

1. There is an opportunity to withdraw part or all of it in advance before the expiration of the term;

2. The interest on the withdrawn part is calculated according to the current period, and the remaining part is calculated on a regular basis.

Bank fixed deposits can be withdrawn in advance, but users can withdraw in advance and lose a part of the interest according to bank regulations.

There is an opportunity to withdraw part or all of the interest on the part of the withdrawal according to the current interest rate, and the interest on the remaining part is calculated at the regular interest rate. If the full amount is withdrawn, the interest will be calculated at the current interest rate. In general, the longer the term of a bank fixed deposit, the more cost-effective it is.

In the process of depositing, if there is a need for the use of funds, it is recommended to withdraw the deposit in advance, and try not to withdraw all of them, because it needs to calculate interest at the current interest rate. If you feel that the interest calculation method of fixed deposits is unreasonable, you can also pay attention to financial products such as Yu'e Bao.

Starting from January 1, 2021, for early withdrawal, the interest calculation rules applicable to the early withdrawal will be adjusted, that is, the interest will be calculated according to the listed interest rate of the bank demand deposit on the withdrawal date after the adjustment.

For example, if the user deposits a three-year fixed deposit interest rate in a bank, if the deposit is 100,000 yuan, the interest due is 100,000 yuan, and if the user also withdraws it in advance after the deposit is deposited for 2 years, the bank will calculate the interest according to the current deposit interest rate, and the user can only get the interest of 100,000 yuan, and compared with the maturity withdrawal, the user will lose more than 7,000 interest income.

Data Expansion] Bank fixed deposits for several years are cost-effective.

Generally speaking, you can choose from a term of three months, six months, one year, two years, three years, and five years to keep your money in the bank. At present, the benchmark interest rate of the central bank for fixed deposits with a three-month maturity is the interest rate for half a year, the interest rate for one year, the interest rate for two years, and the interest rate for three years and above.

If you are not in a hurry to use the money, the longer the deposit period, the higher the return, so it is better to keep a bank for more than 3 years. However, if the liquidity of funds is taken into account, then it is recommended to choose a period of less than three years.

From January 1, 2021, for deposits that are withdrawn in advance and are interest-bearing by the file, the interest-bearing rules applicable to early withdrawal will be adjusted to the applicable interest calculation rules when withdrawn in advance, that is, after the adjustment, the interest will be calculated according to the listed interest rate of the bank's current deposit on the withdrawal date.

For example, the user deposited a bank permeable three-year fixed deposit interest rate, deposit 100,000, the interest due 100,000 yuan, if the user also in the deposit 2 years after the early withdrawal, the bank will be in accordance with the current deposit interest rate to calculate the interest, the user can only get 100,000 yuan of interest, compared with the maturity of withdrawn, the user will lose more than 7,000 interest income.