What is the bank interest this year and how much is the bank interest now?

Bank interest is calculated according to the interest rate, according to the current central bank's deposit interest rate, the benchmark interest rate of major banks is stipulated as follows: current three months, half a year, one year, two years, three years, five years.

Adjustment Table of RMB Deposit and Loan Benchmark Interest Rate of Financial Institutions Unit: % Adjusted Interest Rate.

1. Deposits of urban and rural residents and units.

1) Demand deposits.

2) Lump sum deposit and lump sum withdrawal of fixed deposits.

Three months and half a year.

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

2. Loans.

Six months for one year.

One to three years. Three to five years.

More than five years. 3. Personal housing provident fund loans.

Less than 5 years (including 5 years).

More than five years. Effective April 6, 2011.

The latest deposit interest rate table just adjusted on April 6, 2011:

The interest rate is raised again, you can go to the relevant bank's official website to see if there is a difference in the interest rate of different banks!

The annual interest rate is different for different banks, and even the interest rates for different branches of the same bank can also be different. However, they are all based on the benchmark interest rate set by the central bank, and the actual loan interest rate may rise. The annual interest rate is divided into the deposit rate and the loan interest rate.

Here are the central bank's annual interest rates:

The benchmark interest rate of the People's Bank of China demand deposit in 2021 is:

There are three types of deposit methods:1Whole deposit and withdrawal; 2.Fractional deposit, lump sum deposit, principal and interest; 3.Fix two pennies.

1.Whole deposit and withdrawal; The interest rate for a lump sum deposit and withdrawal for three months is; The interest rate for half a year is; The interest rate for one year is; The interest rate for two years is; The interest rate for three years is:

2.Fractional deposit, lump sum deposit, principal and interest; The interest rate for one year is; The interest rate for three years is:

3.Fix two pennies. 6% discount at the same grade interest rate for regular deposits within one year.

The following are the 2021 annual interest rates for central bank loans:

1.Short-term loans. The interest rate of the loan for six months (inclusive) is; The interest rate for loans from six months to one year (including 1 year) is:

2.Medium and long-term loans. The interest rate of the loan for one to three years (including three years) is; The interest rate of the loan for 3 years to 5 years (including 5 years) is; The interest rate for loans over five years is.

3.CPF loans. The interest rate for loans less than five years (including five years) is; The interest rate for loans over five years is.

If someone wants to deposit 1 million, if there is a foreign bank with the lowest interest rate, the annual interest rate for 1 year, 2 years, 3 years and 5 years is 10,000, 10,000, 10,000 and 10,000 respectively.

If there is a bank with the highest interest rate, the annual interest can reach 10,000, 10,000, 10,000 and 10,000 respectively, which is more than that of foreign banks. The interest rate for a year is nearly 10,000 yuan at most, so I believe that no one wants to deposit money in a foreign-funded bank if it is not necessary.

It should be noted that the above is only the average deposit interest rate of various types of banks, in fact, deposits may vary from bank to bank. For example, among the large commercial banks, the Postal Savings Bank has the highest deposit interest rate, and the average one-year deposit interest rate is, and the Bank of Communications, which has the lowest interest rate, has only the average one-year deposit interest rate.

In addition, the deposit interest rate of the same bank may be different in different regions. For example, the one-year deposit interest rate of the Postal Savings Bank can be reached in Beijing and Shanghai, but only in Shenzhen. Of course, this may not be the case for some smaller regional banks, which are all located in the same region.

Therefore, the average deposit interest rate of each bank can only be used as a reference, and the specific deposit interest rate should be subject to the local bank.

More than 10,000 yuan a year for a regular period of about 2 years for about 2 years and about 3 years for about 3 years.

Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Bank of China: Demand Deposit Interest Rate is: . The three-month interest rate for fixed deposits is:

The half-year interest rate for deposits is:, the one-year interest rate for deposits is:, and the two-year interest rates for deposits are:

The interest rate for the deposit is :for three years, and the interest rate for the deposit for five years is:.

Abstract: Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Bank of China: demand deposit interest rate is: .

The interest rate for a fixed deposit is :, the interest rate for a half year is :, and the interest rate for a one-year deposit is:

The two-year interest rate for deposits is:, the three-year interest rate for deposits is:, and the five-year interest rate for deposits is:.

1.Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Bank of China, Bank of Communications: Current Deposit Interest Rate is: .

The interest rate for a fixed deposit is :, the interest rate for a half year is :, and the interest rate for a one-year deposit is:

The two-year interest rate for deposits is:, the three-year interest rate for deposits is:, and the five-year interest rate for deposits is:.

2.China Merchants Bank: Demand Deposit Interest Rate is: . The interest rate for the three-month fixed deposit is: , the half-year interest rate for the deposit is: , the interest rate for the deposit is for one year, the interest rate for the two-year deposit is :, the interest rate for the deposit is for three years, and the interest rate for the deposit is for five years.

3.Shanghai Pudong Development Bank: Demand Deposit Interest Rate is: .

The interest rate for a fixed deposit is :, the interest rate for a half year is :, and the interest rate for a one-year deposit is:

2%, the two-year interest rate of the deposit is:, the three-year interest rate of the deposit is:, the five-year interest rate of the deposit is:.

The deposit interest rate refers to the currency deposited into the bank account by the customer according to the agreed conditions, and the interest amount is the same as the interest rate of the principal amount of the loan amount within a certain period of time. There are current interest rates and fixed interest rates, and there are year, month, and day interest rates.

Since the central bank cut interest rates on October 24, 2015, deposit rates have remained relatively stableAs of December 2019, the current benchmark interest rate for one-year deposits is ,On this basis, major banks can adjust according to their own circumstances. Let's take a closer look:

1. According to the deposit interest rate data on the official websites of the four major state-owned banks of China Agricultural Industry and Construction, the current interest rates of the four major banks are three-month interest rates, six-month interest rates, one-year interest rates, two-year interest rates, three-year interest rates, and five-year interest rates.

2. There is a difference between the deposit interest rate on the bank's official website and the actual deposit interest rate, and the local branches have the right to adjust it on the basis of the bank's official deposit interest rate, and generally increase it on the basis of the above-mentioned deposit interest rate. Therefore, even if it is the same bank, the deposit interest rate will be different in each place, and some interest rates will be quite different.

Now the bank's interest is calculated:

1. The benchmark interest rate of fixed deposits for lump sum deposits.

1.The benchmark interest rate for a three-month lump sum time deposit is;

2.The benchmark interest rate for a half-year lump sum fixed deposit is;

3.The benchmark interest rate for a one-year lump sum fixed deposit is;

4.The benchmark interest rate for a two-year lump sum deposit is;

5.The benchmark interest rate for a three-year lump sum fixed deposit is.

The above is the benchmark interest rate for bank deposits, and the actual interest rate will rise to a certain extent from the benchmark interest rate, and the proportion of the increase will vary. Generally speaking, rural commercial banks and commercial banks will rise more.

For example, in the case of a rural commercial bank, the interest rate for three months is fixed, the interest rate is half a year, the interest rate is one year, and the interest rate for two years is three years. Obviously, the rural commercial bank has a large increase in the benchmark interest rate.

2. Benchmark interest rate for demand deposits.

The benchmark interest rate for demand deposits in 2018 is, for example, if 10,000 yuan is deposited in the bank demand, the one-year interest income is 10,000*.

The above is the 2018 bank interest rate and interest calculation sample compiled by the credit steward, I hope it can help you!

2011-07-07 Benchmark Deposit Rate.

Current %3 months, 6 months, 1 year, 2 years, 3 years, 5 years, 2011-07-07-07 Loan benchmark rate.

6 months %; 6 months to one year; one to three years; three to five years; 5 years (the deposit interest rate is generally implemented by the bank, and the floating interest rate is implemented for loans, with a maximum of 120% of the same grade).

Project Annual Interest Rate (%)

1. Deposits of urban and rural residents and units.

a) Current. b) Periodically.

1.Whole deposit and withdrawal;

Three months and half a year.

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

2.Fractional deposit, lump sum deposit, principal and interest;

One year and three years. 5 years 3Fixed two pence: 6% discount at the interest rate of the same grade according to the regular lump sum deposit within one year.

2. Agreement deposits.

3. Call Deposit

Seven days a day.

You should be talking about the interest rate, the following is the latest deposit rate implemented from July 6, 2012.

1. Deposits of urban and rural residents and units.

a) Current. b) Periodically.

1.Whole deposit and withdrawal;

Three months and half a year.

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

2.Fractional deposit, lump sum deposit, principal and interest;

One year and three years. 5 years 3Fixed two pence: 6% discount at the interest rate of the same grade according to the regular lump sum deposit within one year.

2. Agreement deposits.

3. Call Deposit

Seven days a day.

Bank interest includes deposit interest and loan interest, calculated at the benchmark interest rate, and the interest on bank deposits of 10,000 yuan or loan of 10,000 yuan is as follows:

1. Interest on bank deposits.

1. Current deposit: the interest rate is, and the interest rate for 10,000 yuan is 35 yuan for one year.

2. Fixed deposits.

The three-month deposit interest rate is, and the three-month interest of 10,000 yuan deposit is yuan.

The interest rate for semi-annual deposits is 65 yuan for 10,000 yuan for half a year.

The interest rate for a one-year deposit is 150 yuan for a one-year deposit of 10,000 yuan.

The interest rate for a two-year deposit is 420 yuan for a two-year deposit of 10,000 yuan.

The three-year deposit interest rate is 825 yuan for a three-year deposit of 10,000 yuan.

2. Interest on bank loans.

1. Short-term loan: The interest rate of the loan term is less than one year, and the interest rate of borrowing 10,000 yuan is 435 yuan for one year.

2. Medium and long-term loans: the loan term is one to five years, the interest rate is 2,375 yuan for five years if you borrow 10,000 yuan.

3. Long-term loan: the loan term is more than five years, the interest rate is 2,450 yuan for five years.

Generally speaking, the interest rate of bank demand deposit is, the interest of three-month time deposit is, the interest rate of one-year time deposit is about 2, and the interest rate of three-year and five-year deposit is above, but the interest regulations of different banks will be different According to the deposit bank.

For example: 1. Bank of China: interest on demand deposits, three-month interest on fixed deposits, six-month interest, one-year interest, two-year interest, three-year interest, five-year interest. 2. Industrial and Commercial Bank of China:

Interest on demand deposits, 3 months of interest on fixed deposits, 6 months of interest, 1 year interest, 2 years of interest, 3 years of interest, 5 years of interest. 3. China Construction Bank: interest on demand deposits, three-month interest, six-month interest, one-year interest, two-year interest, three-year interest, five-year interest on fixed deposits.

4. Bank of Communications: interest on demand deposits, three-month interest on fixed deposits, six-month interest, one-year interest, two-year interest, three-year interest, five-year interest.