How much is the interest of the bank s monthly investment of 1,000 yuan in fractional deposits?

1. The one-year annual interest rate of the lump sum deposit, the lump sum deposit and the interest rate of the principal deposit is one-year, the three-year annual interest rate is, and the five-year annual interest rate is, because the interest rate is not fixed, different banks may be different in different time periods.

2. The interest for one year is RMB, the interest for three years is RMB, and the interest for five years is RMB.

It's too much of a hassle. The interest is calculated on a monthly basis, for example, the first month of the one-year lump sum deposit will give you 12 months of interest, and the second month will only have 11 months of interest, and the interest will earn interest. Don't dwell on how much it is, not much anyway.

Hello, glad for your question!

First of all, the formula for calculating the interest of fixed savings is: interest, monthly deposit amount, accumulated monthly accumulation, and monthly interest rate.

The cumulative monthly accumulation (deposit times 1) 2 deposit times.

The cumulative monthly accumulation of one year is (12 1) 2 12 78 The annual interest rate of the bank's fractional deposit is: 1 year 3 years 5 years Therefore, the interest is 1000 (12) 78 yuan Finally, the sum of principal and interest at maturity = 12000+ yuan.

Interest tax was suspended on 9 October 2008 and is currently exempt).

At present, the one-year interest rate for bank deposits and lump sum withdrawals is.

The formula for calculating the interest on a lump sum deposit is: interest = monthly deposit amount, accumulated monthly accumulation, monthly interest rate.

The cumulative monthly accumulation (deposit times 1) 2 deposit times. Based on this, the cumulative monthly accumulation of a one-year period is (12+1) 2 12=78

1000 78 yuan.

Extended information: 1. Fractional deposit and withdrawal.

If you save 1,000 yuan a month, the most worry-free way is to save it as a whole deposit. The lump sum deposit is a fixed amount of deposit on a monthly basis, with a minimum deposit amount of 5 yuan, and the deposit period also has a variety of options such as 1 year, 3 years, and 5 years.

However, the interest rate of the lump sum deposit is not high, taking ICBC as an example, the interest rate of the one-year lump sum deposit is only.

The formula for calculating the interest on a lump sum deposit is: interest = monthly deposit amount accumulated monthly accumulation monthly interest rate, where the cumulative monthly accumulation (deposit times 1) 2 deposit times. Then save 1,000 yuan per month, and the expected return on interest after one year is about 87 yuan.

2. Whole deposit and withdrawal.

Lump sum deposit and lump sum withdrawal refers to the agreed deposit amount and deposit interest rate at the time of account opening, generally with a minimum deposit of 50 yuan. If you deposit 1,000 yuan per month, you can only deposit it as an independent 1-year certificate of deposit every month, which means that you will have 12 certificates of deposit of 1,000 yuan in hand after 1 year.

If you deposit 1,000 yuan per month for a one-year deposit certificate, the expected interest return after one year is about 104 yuan according to the interest rate.

3. Smart deposit products.

Many small and medium-sized banks have launched smart deposit products that support deposit and withdrawal at any time, which are similar in essence to time deposits, but such deposits can be withdrawn in advance, and the interest is calculated according to the interest rate.

The average interest rate of smart deposit products is about 4% after one year of deposit, and the average interest rate for more than half a year is about 4%, and the deposit interest rate is relatively high compared with that of fractional deposit and lump sum withdrawal.

The fixed deposit is one year, and the monthly fixed deposit is 1,000 yuan, and the total amount of principal and interest that can be obtained after maturity is about yuan, that is, the interest is about yuan.

Lump sum deposits are a basic type of bank fixed savings. It refers to a saving method in which depositors agree on the deposit period, fixed deposit every month, and withdraw principal and interest once at maturity when making bank deposits.

Extended information: Loose deposit is generally 5 yuan per month, once a month, if there is a missing deposit in the middle, it should be made up in the next month, and there is only one chance to make up for it. The deposit period is generally divided into 1 year, 3 years and 5 years.

The interest calculation of the lump sum deposit is calculated according to the actual deposit amount and the actual deposit period, and the specific interest rate standard is implemented according to the interest rate table. The procedures for opening an account for a lump sum deposit are the same as for current savings, except that they must be renewed every month according to the amount at the time of account opening, and the procedures for depositors to withdraw in advance shall be handled in accordance with the relevant procedures for lump sum deposits and lump sum time savings deposits. The interest rate for a lump sum deposit is generally 60% of the interest rate for a fixed deposit in the same period.

Applicable quotas. The minimum limit for a lump sum deposit is 5 yuan, and the amount deposited for the second time can only be fixed to the amount deposited when opening an account, and cannot be changed.

There are three main types of savings deposits: individual fixed savings deposits, collective fixed savings deposits and education savings.

Collective fixed savings deposit refers to a kind of savings deposit with a pre-agreed amount that is centrally handled by enterprises, public institutions or mass organizations and voluntarily participated by employees, deposited at the agreed amount on a monthly basis, and the principal and interest are withdrawn at maturity. The minimum deposit amount is 50 yuan, and the deposit period is one year.

In the case of education savings time deposits, which are set up for students at school (including the fourth grade) or above, the principal and interest can be withdrawn at one time by presenting the deposit slip and the identity certificate of the students who are receiving non-compulsory education provided by the school. Depositors with"Proof"Preferential interest rates and exemption from income tax on savings interest rates. The deposit period is divided into one year, two years and six years, with a minimum deposit amount of 50 yuan and a total principal limit of 20,000 yuan.

Eligibility. The method of fractional deposit and lump sum savings can be integrated into a whole, with the functions of planning, binding and accumulation. The interest rate of this deposit is lower than that of a lump sum fixed deposit and higher than that of a current deposit, which can enable depositors to obtain slightly higher interest income from deposits than current deposits.

The lump sum deposit is applicable to all kinds of depositors to participate in savings, especially for the needs of low-income people to accumulate their living surpluses. The deposit opening amount is set by the depositor, deposited once a month, if there is any missing deposit in the middle, it can be redeposited in the next month, but if it is not redeposited in the next month, it will be deemed to be in default, and the interest will be calculated on the principal part before the default according to the actual deposit amount and the actual deposit period when it is withdrawn at maturity; Interest is calculated on the principal portion deposited after default based on the actual deposit period and current interest rate.

The lump sum savings method is suitable for savers with fixed income and small balances, and has strong accumulation. The most important trick for this stock is:"Persistence", must not be missed for 2 consecutive months.

Some depositors think that such a small amount of storage is meaningless, and then give up, and this practice of abandoning the previous work is the most costly. If there are many colleagues who handle the lump sum deposit business at the same time, they can entrust the trade union and other organizations of the unit to handle it collectively in batches, which can save everyone the fatigue of monthly bank deposits.

Summary. Kiss <>, I'm happy to answer your <>

Deposit 10,000 per month and deposit for 10 years, and the interest is 1,550 yuan. The ten-year interest of 10,000 yuan is related to the interest rate, and the formula for calculating the interest is:

Interest = Principal * Interest Rate * Deposit Term. Take, for example, the deposit in the Bank of China. The annual interest rate of demand deposit is 10,000* yuan for 10,000 yuan deposited in Bank of China for 10 years.

The 5-year interest rate for a fixed deposit is 10,000* yuan for 10,000 yuan deposited in Bank of China for 10 years. The 5-year interest rate of fixed deposit is 10,000*yuan for 10,000 yuan deposited in Bank of China for 10 years.

How much is the interest of 10,000 deposits per month for 10 years.

Kiss <>, I'm happy to answer your <>

Deposit 10,000 per month and deposit for 10 years, and the interest is 1,550 yuan. The ten-year interest of 10,000 yuan is related to the interest rate, and the formula for calculating the interest is:

Interest = Principal * Interest Rate * Deposit Term. Take, for example, the deposit in the Bank of China. The annual interest rate of demand deposit is 10,000* yuan for 10,000 yuan deposited in Bank of China for 10 years.

The 5-year interest rate for a fixed deposit is 10,000* yuan for 10,000 yuan deposited in Bank of China for 10 years. The 5-year interest rate of fixed deposit is 10,000*yuan for 10,000 yuan deposited in Bank of China for 10 years.

<> the interest refers to the remuneration that the holder of the currency receives from the borrower for lending money or money capital. This includes interest on deposits, loans, and interest on various bonds. The source of interest is the surplus value created by the wage workers.

The essence of interest is a special form of transformation of surplus value, which is part of the profit.