How to calculate the interest on the Bank of China s fixed deposit certificate 5

This is the content of the Bank of China** about the certificate of deposit.

2. Certificates of Deposit.

It is a savings deposit method in which the customer and the bank agree on the deposit period, the principal is deposited at one time, and the principal and interest are withdrawn at maturity, which exists in the form of deposit certificates, and can be fully deposited and exchanged at all business outlets of Bank of China.

Business characteristics: one fold can be deposited in multiple currencies. Multiple strokes on a regular basis.

1.One passbook can replace 30 certificates of deposit, making it easy to carry and keep.

2.RMB and foreign currencies are commonly used.

3.It can be deposited and exchanged at all savings outlets of Bank of China in the same city. The deposit period can be divided into 3 months, half a year, 1 year, 2 years, 3 years and 5 years. Foreign currencies can be divided into 1 month, 3 months, half a year, 1 year, and 2 years.

Supplementary calculation of interest on certificates of deposit.

Take 1 year as an example in this place.

The current annual interest rate is set by the state, and it is the same for all banks.

Then your interest income:

Withdrawn on the due date: amount*

Early withdrawal: calculated according to the current account, the deposit period (account opening date --- the day before the withdrawal of money) * Late withdrawal: interest due + overdue period (maturity date --- the day before the withdrawal of money) * You can use the last deposit calculator on the page you said, and you will know how to use it when you go in.

The interest rate of Bank of China for one-year fixed deposit is as follows, the interest rate for one-year deposit is as follows

The interest rate of the whole deposit and withdrawal of the whole deposit of the Bank of China is 3 months, the interest rate for half a year, the interest rate for 2 years, the interest rate for 3 years, and the interest rate for 5 years.

The interest rate of Bank of China is three years for small deposits, whole sum deposits and zero withdrawals, and interest on principal deposits for five years.

Bank of China's fixed deposit interest rate table is as follows:

This is the listed interest rate for the whole network, but each city depends on the basis of the floating. For details, please refer to the listed interest rate of the savings bank.

Bank of China deposit methods are divided into: current and fixed. Demand Deposits:

In 2021, the current deposit interest rate of Bank of China is: Fixed deposits: 1. Lump sum deposit and withdrawal:

The three-month interest rate is; The interest rate for half a year is; The interest rate for one year is; The annual interest rate for two years is; The annual interest rate for three years is; The annual interest rate for five years is: 2. Lump sum deposit, lump sum deposit and zero withdrawal, principal deposit and interest: the annual interest rate of one year is; The annual interest rate for three years is; The annual interest rate for five years is:

3. Fixed life and two pennies: 6% discount on the interest rate of the same grade according to the regular lump sum deposit within one year. The actual execution interest rate will fluctuate, please refer to the actual transaction interest rate.

Bank of China fixed annual interest rate: the interest rate of three months is, the interest rate of half a year is, the interest rate of one year is, the interest rate of two years is, and the interest rate of three years is.

Adjustment Table of RMB Deposit Benchmark Interest Rate for Financial Institutions (November 22, 2014) The People's Bank of China (PBOC) announced on Friday that it will reduce the one-year benchmark interest rate for loans of financial institutions by one percentage point from November 22 (Saturday) to; The benchmark interest rate for one-year deposits was lowered by one percentage point to.

The People's Bank of China (PBOC) also said that at the same time, in conjunction with the promotion of interest rate market-oriented reform, the upper limit of the floating range of deposit interest rates of financial institutions will be adjusted from multiple times of the benchmark deposit interest rate to multiple times. In addition, the benchmark interest rates for other grades of loans and deposits will be adjusted accordingly, and the maturity grades of the benchmark interest rates will be appropriately simplified.

If you have a fixed deposit of 60,000 yuan in the Bank of China and have been saved for three years, the interest is as follows:

1. Lump sum deposit and withdrawal: The annual interest rate of Bank of China fixed deposit for three years.

for, the deposit is 60,000 yuan, and the interest on the deposit for three years is 4,950 yuan.

2. Lump sum deposit, lump sum deposit, principal and interest: the annual interest rate for a three-year period is 60,000 yuan for a deposit, and the interest for three years is 2,790 yuan.

The one-year annual interest rate of the lump sum deposit is 10,000 yuan, and the maturity interest is 175 yuan. Bank of China's 10,000 yuan deposit for one year fixed interest is 330 yuan.

Bank of China fixed deposit interest calculation formula:

The principal amount is multiplied by the annual interest rate multiplied by the number of years. With 10,000 yuan of reserve principal, deposit for 3 months, the interest rate is calculated at 3%, then the interest that can be obtained after 3 months is equal to 10,000 times 3% multiplied by 3 divided by 12 = 75 yuan. Add the principal of 10,000 yuan, which is 10,075 yuan.

In other words, you can get 10,075 yuan after 3 months.

Bank of China's fixed deposit interest rates are as follows:

Lump sum deposit and withdrawal: 3 months is month is year is year is year is year, zero deposit and withdrawal, whole deposit and zero withdrawal.

Deposit and roll sensitive capital to take interest:

1 year is year is year is year.

Fixed life two pence: 6% discount at the interest rate of the same grade for regular lump sum deposit within one year. <>

The interest rate of the bank is an annual interest rate, such as 10,000 yuan, and the interest rate for three months is, then the interest you will get at the end of three months is (10,000 * yuan; The six-month interest rate is, and the interest is (10,000 * yuan; The interest rate for one year is 10,000 * = 200 yuan; The interest rate for two years is 10,000 * = 250 yuan, and the two-year maturity is 250 * 2 = 500 yuan. The interest rate is the abbreviation of "interest rate", which refers to the ratio of the amount of interest to the principal of the deposit or loan over a certain period of time. There are usually three types of interest rates: annual interest rate, monthly interest rate, and daily interest rate.

Daily interest rate = annual interest rate 360, monthly interest rate = annual interest rate 12.

Further information: 1. Interest rate refers to the ratio of the amount of interest due in each period to the par value of the amount borrowed, deposited, or borrowed, or the amount borrowed, known as the total principal. The total interest on the amount lent or borrowed depends on the total principal, the interest rate, the frequency of compounding, and the length of time the loan, deposit, or borrow.

The interest rate is the price that the borrower has to pay for the money borrowed from the borrower, and it is also the return that the lender receives for delaying its consumption and lending it to the borrower. The interest rate is usually calculated as a percentage of the interest to the principal amount for a one-year term.

2. The formula for calculating interest: principal annual interest rate (Zhengtong percentage) deposit period.

If interest tax is charged then (1-5%)

Total principal and interest = principal + interest.

The formula for calculating accrued interest is: Accrued Interest = Principal Interest Rate Time.

The accrued interest is accurate to 2 decimal places, and the number of interest-bearing days is calculated according to the actual number of days held.

3. The starting point of interest calculation in the interest calculation formula, the starting point of interest calculation of savings deposits is RMB, and no interest is paid for the corner points below RMB; The interest amount is rounded to the nearest cent, and the cherry ridge centim is rounded to the centile when the actual payment is made; Except for the annual settlement of current savings, which can transfer interest to the principal to earn interest, all other types of savings deposits, regardless of the deposit period, will be repaid with the principal at the time of withdrawal, without compound interest. Compound interest: Compound interest is to add interest to the interest at a certain interest rate. According to the regulations of the central bank, if the borrower fails to repay the interest within the time agreed in the contract, compound interest will be added.

Penalty interest: If the lender fails to repay the bank loan within the prescribed time limit, the penalty interest imposed by the bank on the defaulter according to the contract signed with the parties is called bank penalty interest.

1.The user logs in to the mobile banking of Bank of China, logs in to the personal account, and enters the homepage of the mobile banking.

2.Then select "Home - Deposit Management" to directly enter the Bank of China mobile banking deposit and wealth management page;

3.According to the deposit product information displayed on the page, select the time deposit product you need to handle;

4.Then follow the prompts on the page and sign up for a fixed deposit.

If the user wants to deposit the cash in his hand into the fixed term of the Bank of China, he needs to deposit it in the bank ATM first, or ask the staff to help him make the deposit.

Further information: 1. Introduction of Bank of China:

Bank of China is one of the largest state-owned banks under the management of the Communist Party of China and a state-owned financial institution under the leadership of the Communist Party of China, with a certain degree of internationalization and diversification. Like other large state-owned banks, Bank of China's business scope covers the fields of commercial banking, investment banking and insurance, and is mainly responsible for the related business of commercial banks, including corporate finance business, personal finance business, capital deposit and loan business, and financial institution business. Bank of China has a holding financial institution of Bank of China Hong Kong, Bank of China International and Bank of China Insurance, which is established to provide comprehensive and high-quality financial services to individual and corporate customers on a global scale.

2. From 1912 to 1949, the Bank of China successively exercised the functions of a first-class bank, an international exchange bank and an international first-class professional bank, adhered to the mission of serving the people and revitalizing the national finance, and went through hardships and arduous struggles to occupy a leading position in the national financial industry for a long time and occupied a place in the international financial community. After 1949, Bank of China has long been a national foreign exchange and foreign trade professional bank, unified operation and management of national foreign exchange, carried out international settlement, overseas Chinese remittance and other non-foreign exchange business, and vigorously supported the development of foreign trade and economic construction.