What does regular mean? What does bank regularity mean

Periodic means: to set a date; Attribute words. There is a certain period; For a certain period of time: Publications. Deposit.

Pinyin] [ dìng qī ].

Example sentence] Go for a regular health check-up, don't wait for someone else to send you away at the end.

Synonym. On time, on schedule, on time.

Antonyms] current.

Periodic synonyms1. On schedule. Pinyin] [ n qī ].

Interpretation] In accordance with the prescribed deadline: delivery. Return.

synonyms] regular, punctual, on schedule, on time.

Antonyms] overdue, overdue.

2. As scheduled. Pinyin] [ rú qī ].

Explanation] According to the deadline: Done. Arrive at your destination.

synonyms] punctual, on time, on schedule.

Antonyms] no-show.

3. On time. Pinyin] [ n shí ].

synonyms] timely, punctual, on schedule, on time, on schedule.

antonyms] delay.

Fixed term is the meaning of fixed deposit in a bank.

Time deposits are also known as "certificates of deposit". 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.

There are two types of fixed savings deposits: lump sum deposit, lump sum deposit, lump sum deposit and interest, and lump sum deposit and withdrawal. The interest rate of each deposit method is different, and investors need to choose the deposit method reasonably according to their own situation to maximize their returns.

Introduction to Demand Deposits:

A demand deposit is a bank deposit that can be accessed and transferred at any time by the depositor without any prior notice. These can take the form of checking deposit accounts, certified cheques, cashier's checks, traveller's cheques and letters of credit.

Demand deposits account for the largest part of a country's currency** and are also an important fund for commercial banks**. Demand deposits not only have the functions of a means of payment and circulation of money, but also have a strong ability to derive, which is the focus of commercial banks' operations. The interest rate on demand deposits is generally low; Commercial banks in Western countries generally do not pay interest, and some even charge a certain amount of handling fees.

Periodically literally means to set a date. In deposits, time refers to a deposit method in which the bank and the depositor agree on the deposit term and interest rate before making a deposit, and after the agreed period is reached, the bank will repay the principal and interest to the depositor.

Periodical means: a certain period; a certain date; Set a date and agree on a date.

In deposits, time refers to a deposit method in which the bank and the depositor agree on the deposit term and interest rate before the deposit, and after the agreed period is reached, the bank repays the principal and interest to the depositor.

In terms of deposit period, it is generally divided into six situations: three months, six months, one year, two years, three years, and five years. When the deposit period is reached, if there is no further rollover, the interest will be calculated according to the current account.

Time deposit. Also known as "Certificate of Deposit."

The bank and the depositor do not agree on the term and interest rate in advance at the time of deposit, and withdraw the principal and interest after maturity.

A bank term is a fixed deposit made at a bank. It refers to the deposit term and interest rate agreed between the bank and the depositor when depositing the deposit, and the principal and interest are withdrawn at maturity. There are four types of fixed deposits: lump sum deposit, small lump sum deposit and lump sum withdrawal, and lump sum deposit and withdrawal with interest.

Lump sum deposit and lump sum withdrawal refers to a savings method in which customers freely choose the deposit period, then deposit funds at one time, and withdraw the principal and interest after maturity. Fractional deposit refers to the method of depositing a pre-agreed deposit amount, and then making a fixed deposit every month, and withdrawing interest in a lump sum after maturity. Deposit principal and interest withdrawal refers to a savings method that deposits the principal at one time, then withdraws the interest in installments, and withdraws the principal after maturity.

Lump sum deposit refers to a savings deposit with an agreed deposit period in which an integer amount is deposited at one time, the principal is withdrawn evenly in installments, and the interest is withdrawn on the maturity date.

Extended Materials: a. Can I withdraw my fixed deposit before it is time?

Bank fixed deposits can generally be withdrawn in advance, but when you withdraw in advance, you need to bring your ID card.

or ID card + depositor ID card. Because of the leakage, the principle of deposit in our country is the principle of freedom of deposit and withdrawal. However, when it comes to dealing with early withdrawals, different banks will have their own rules for dealing with different things:

1.Once the deposit is withdrawn early, then all the deposit will be considered as full early withdrawal, so all interest will be based on the demand deposit.

Interest rates are calculated over the years.

2.A portion of the deposit must be withdrawn in advance. Interest is calculated on the early withdrawal portion of the demand deposit at the current deposit interest rate, and interest on the unwithdrawn portion is calculated at the original deposit period and interest rate.

3.If you withdraw early, the interest rate applies. In other words, if the deposit period is 5 years and the deposit period is more than 3 years, the 3-year fixed deposit interest rate can be applied to early withdrawal.

Two. The difference between a bank fixed deposit and a demand deposit.

1.A demand deposit can be withdrawn at any time, whereas a fixed deposit has a certain maturity. The principal and interest will not be withdrawn until after maturity.

2.Differences in liquidity: Demand deposits can be deposited and withdrawn at any time, and the liquidity is high.

3.Interest rate differences: The longer the tenure of a fixed deposit, the higher the interest rate, while the interest rate on a demand deposit is generally fixed and usually lower than that of a fixed deposit.

Fixed savings is a kind of fixed savings that stipulates the deposit period at the time of deposit, deposits the principal at one time, and withdraws the principal and interest at one time at maturity.

Current account is a service that allows you to deposit and withdraw cash at any time during the bank's business hours through the counter or through the bank's self-service kiosk with a bank card or passbook and a reserved password. RMB demand deposit minimum deposit of 1 yuan, foreign currency demand deposit minimum deposit amount of not less than RMB 20 equivalent foreign exchange, demand is the deposit can be withdrawn at any time at any time deposit deposit and exchange, the capital operation is more flexible, but the interest is low.

Time Limit Provisions:

A type of bank deposit with a term that can range from 3 months to 5 years and more than 10 years. Generally speaking, the longer the deposit term, the higher the interest rate.

In addition to the form of certificate of deposit, traditional time deposits also have the form of passbooks, which are also called passbook time deposits, but they are based on 90 days of interest-bearing days, and no interest is calculated for less than 90 days. Compared with demand deposits, time deposits have stronger stability and lower operating costs, and the reserve ratio held by commercial banks for this purpose is correspondingly lower, so the capital utilization rate of time deposits is often higher than that of demand deposits.

Answering your good friend, I am happy to answer your question, the difference between current and fixed is as follows, the interest rate is different, the annual interest rate of the current account, the annual interest rate of the regular term, the above, the current account can be taken at any time, the regular term can be taken only when it expires according to the regulations, if you get it in advance, the interest will be much less, I hope my reply can help you, I wish you a happy life

Question: Is it okay to save a certain amount of money on a regular basis? What if I save 1500 a month? What is the interest after that 15 years.

It's a certain amount of time.

For example, if you have a fixed term for 15 years, the money will not be withdrawn until 15 years later.

Question: I know this, can this be saved every month, and then withdrawn in 15 years, is this the case?

It is a one-time transaction on a regular basis.

Not every month.

Demand deposit is a service that allows you to deposit and withdraw cash at any time during the bank's business hours through the counter or through the bank's self-service kiosk with a bank card or passbook and a reserved password. RMB demand deposit minimum deposit of 1 yuan, foreign currency demand deposit minimum deposit amount of not less than RMB 20 equivalent foreign exchange, demand is your deposit can be withdrawn at any time at any time deposit through deposit and exchange, the operation of funds is more flexible, but the interest rate is low, now only. A fixed deposit is a kind of fixed deposit that stipulates the deposit period at the time of deposit, deposits the principal at one time, and withdraws the principal and interest at the maturity of the deposit.

Minimum deposit of 50 yuan, no limit on more deposit. The deposit period is divided into three months, six months, one year, two years, three years, and five years, and each term will have a different interest rate.

Fixed: It is to save money for a fixed period of time, and it can be withdrawn after maturity, and the interest rate is higher. Current: Anytime access with no time limit and low interest.

What is the difference between demand and time deposits? The same 200,000 yuan is deposited in the bank, and the interest gap between the two is so big!

Regular refers to deposits and withdrawals within a certain period of time; Current account means that you can deposit and withdraw money at any time.

A fixed deposit is a fixed deposit for a certain period of time. The interest rate is relatively high compared to the current account, and the current account can be taken at any time!

Fixed term is the meaning of fixed deposit in a bank.

Time deposits are also known as "certificates of deposit".

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 the period of clearing the chaos. There are two types of fixed savings deposits:

Lump sum deposit, lump sum deposit, principal deposit and interest, lump sum deposit and zero withdrawal. The interest rate of each deposit method is different, and investors need to choose the slip side of the deposit reasonably according to their own situation to maximize their returns.

Extended Materials

1. The three taboos of fixed deposits are as follows.

The first point is to avoid turning deposits into financial management. When many people go to the bank to handle business, they will be recommended by the bank staff to various wealth management products. Someone may be interested in financial products.

I don't know enough about it, so I will buy it when I hear it and think it's good. In fact, high yield is often linked to high risk, and high-yield wealth management products are usually not very reliable.

The second point is not to choose auto-dumping. If the depositor chooses to roll over automatically, the bank will automatically roll over the deposit to the next installment when the deposit matures. This may result in a change in interest rates and a loss of interest.

The third point is to avoid the certificate of deposit being turned into an insurance policy. This kind of incident happens from time to time in China, and many depositors have complained after being recruited, because of the yield of most insurance products.

It's about 2, and it can't be withdrawn in advance, so you can only wait. Therefore, depositors must be careful when depositing deposits, especially for types that need to be signed with multiple names, and pay special attention to avoid falling into pitfalls.

2. Benchmark interest rate for RMB deposits.

As follows. 1.Demand deposit.

The benchmark interest rate is:

2.Time deposit.

Lump sum deposit and withdrawal: three months, half a year, one year, two years, three years.

Lump sum deposit, lump sum deposit, principal deposit and interest: - three years per year.

Agreement Deposits. The benchmark interest rate is:

Call Deposits. Seven days a day.

2. How to calculate the interest on the whole deposit?

The term of the lump sum deposit is different, and the interest rate given by the bank is the fixed deposit.

It's also different. For example, three months, half a year, one year, two years, and three years. The formula for calculating the interest on a lump sum deposit is as follows:

Deposit amount * deposit interest rate * deposit term. For example, if the deposit amount is 10,000 yuan and the deposit period is 1 year, then the interest is 10,000 * yuan.

Bank card fixed term is a deposit method that agrees with the bank for a period of time when the deposit is made, and the deposit can be withdrawn only when the deadline is reached.

There can be different types of bank cards according to different classifications. In China, bank cards can be divided into debit cards according to an individual's credit limit.

and the letter and the express card, which is also the most common classification method. Credit cards are further divided into credit cards and quasi-credit cards.

A credit card is a credit card in which the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and repay the loan later within the credit limit. A quasi-credit card means that the cardholder first deposits a certain amount of reserve money as required by the bank.

A credit card that can be overdrawn within the credit limit specified by the issuing bank when the reserve fund is insufficient to pay.

The differences between the two types of deposits mainly include the following:

1. Different types, fixed deposits.

It is a deposit that withdraws principal and interest after maturity, and a demand deposit is a deposit that can be withdrawn at any time;

2. The interest rate is different, the longer the deposit period of the fixed deposit, the higher the interest rate. A demand deposit is a type of deposit with an unlimited tenor, usually with a lower interest rate;

3. The minimum deposit conditions are different, the minimum deposit is 50 yuan for fixed deposits, and the minimum deposit is 1 yuan for demand deposits;

4. Different deposit methods;

5. There are several forms of fixed deposits, including lump sum deposits, lump sum deposits, lump sum deposits, and lump sum deposits, while demand deposits have fixed interest rates no matter what method they use to deposit money.

By the end of the first quarter of 2010, the number of cards issued in China reached 100 million, a year-on-year increase.

The utilization rate of bank cards has gradually increased, and card consumption accounts for 30% of social consumption. By the end of 2011, the cumulative number of bank cards issued exceeded 100 million, a year-on-year increase of 18%.

The consumption of credit cards exceeded 16 trillion yuan, a year-on-year increase of more than 50%, accounting for the total retail sales of consumer goods.

is expected to exceed 40 percent, an increase of about 6 percentage points from 2010.

In 2011, more than 10,000 new convenient payment outlets were added across the country, and 10,000 merchants were newly accepted by the secondary cities, and 210,000 POS machines were sold, with a total of 1.08 million households and 10,000 units.

Term deposits are those deposits that have a definite maturity period and are allowed to be withdrawn, and are deposited with funds that have not been withdrawn in the near future and are stored for value. Fixed deposits have a difference of 3 months and silver, 6 months, 1 year, 2 years, 5 years, the longer the term, the higher the interest rate, and there is a certain starting point. However, it cannot be withdrawn in advance, and if it is in advance, it will be calculated according to the current account, and some banks allow some deposits to be withdrawn in advance.

There are also some quasi-fixed deposits, such as lump sum deposits, call deposits, education savings, etc.

Extended information] 1. How to save bank fixed deposits?

1.Compare the floating level of deposit interest rates of different banks and choose the higher level of interest rate increase. Generally speaking, the deposit interest rates of the four major banks are relatively low, joint-stock banks.

City commercial banks and credit unions.

The interest rate is higher.

2.For an amount of more than 50,000 yuan, close to the holiday, consider a call deposit. Call deposit is a kind of deposit that can be withdrawn only after a fixed deposit period, one-time deposit, and multiple withdrawals, and it is necessary to notify the bank in advance and agree on the withdrawal date and amount before it can be withdrawn.

If you deposit at least 50,000 yuan, you will not need it for the next 1 day (or 7 days), so inform the bank 1 day (or 7 days) in advance to withdraw it. For example, after 15:00 on Thursday, over-the-counter currencies.

Interest doesn't start until the following Monday.

After 15:00 on Friday, you can't buy on-site currency** and treasury reverse repo.

Chinese New Year's Eve issued a year-end bonus I don't know how to invest, I need to apply for a large deposit certificate of less than 3 months, and a large amount of money needs to stay on the bank card for a few days? In these cases, you can use call deposits, and the return is about 4 times higher than that of current accounts. Earnings Calculation:

The days that meet the corresponding term and integer multiples of the corresponding term shall be calculated according to the specified interest, and the rest of the time shall be calculated according to the current interest. For example, interest will be calculated according to the interest of 7 days' notice for every 7 days, and interest will be calculated according to the current account for less than 7 days. When the call deposit is partially withdrawn, the balance should be guaranteed to be more than 50,000 yuan.

3.For more than 200,000 yuan, consider purchasing a large-value certificate of deposit.

A large-amount certificate of deposit is a large-amount certificate of deposit, which can be transferred before maturity, with a term of not less than 7 days, and a high investment threshold, starting from 200,000 yuan, and the amount is an integer. It has a higher interest rate than a fixed deposit of the same maturity. A certificate of deposit is a certificate of deposit with a large amount.

There are two ways to use unexpired CDs:

1) Most large-denomination certificates of deposit can be withdrawn in advance;

2) Large-denomination certificates of deposit in the designated secondary market.

For direct transfer, most banks can help with the transfer, negotiate the proceeds of the transfer with the transferee, and reduce losses.

The interest rate on the issuance of large-denomination certificates of deposit is not subject to the cap on the floating interest rate of deposits. Most of the interest rates are benchmark rates.

times or so. There are a variety of interest payment methods for large-denomination certificates of deposit, the monthly interest payment method is suitable for the retired elderly at home, and the monthly interest is the living expenses.

For more than 10,000 yuan, consider depositing it into multiple banks separately. The current deposit insurance regime.

Each depositor's maximum deposit of RMB 500,000 is guaranteed, including local currency, foreign currency and interest, excluding wealth management products offered by other banks.