Regarding bank fixed deposit, what does bank fixed deposit mean

You are talking about the whole deposit and withdrawal, save a fixed amount of money every month, take it out once at maturity, the interest rate of the whole deposit is higher than the current account and lower than the regular (that is, the whole deposit and withdrawal), the formula of the whole deposit and withdrawal is more troublesome, not according to the regular algorithm, can not be calculated.

There are many types of fixed deposits, such as lump sum deposits, lump sum deposits, lump sum deposits, lump sum deposits, principal deposits and interest deposits, etc.

Lump sum deposit and lump sum fixed savings refers to a kind of savings deposit in which an individual deposits all his RMB into a bank savings institution, agrees on the deposit period, deposits in a lump sum, and the savings institution issues a certificate of deposit as a voucher to withdraw the principal and interest in a lump sum at maturity. The deposit period is divided into three months, six months, one year, two years, three years, and five years.

Fractional deposit and lump sum fixed savings refers to a kind of fixed monthly deposit of all RMB deposited by an individual into a bank savings institution, with a fixed monthly deposit, set up as a whole, agreed deposit period, and withdraw principal and interest at maturity. Generally, the minimum deposit is 5 yuan, and there is no limit to more deposits. The deposit period is divided into 1 year, 3 years and 5 years.

Lump sum fixed savings refers to a kind of fixed savings in which an individual deposits all his RMB in the bank at one time, withdraws the principal in installments, and withdraws interest at maturity. The deposit period is divided into 1 year, 3 years and 5 years.

Deposit principal and interest fixed savings refers to a kind of fixed savings in which an individual deposits all his renminbi in a lump sum in the bank, withdraws the interest in installments, and withdraws the principal at maturity. Generally, the minimum deposit is 5000 yuan. The deposit period is divided into 1 year, 3 years and 5 years.

Therefore, according to what you said, it should refer to the fractional deposit and lump sum withdrawal, which is only a kind of fixed deposit.

A bank fixed deposit is a bank fixed deposit. It can also be referred to as a "Certificate 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.

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.

The deposit period is 3 months, 6 months, 1 year, 2 years, 3 years, and 5 years. You can withdraw part of the deposit in advance once, and when the deposit expires, you can withdraw the principal and interest with the certificate of deposit, or you can automatically transfer it multiple times according to the original deposit period.

Interest shall be calculated and paid according to the deposit interest rate on the date of opening the certificate of deposit for withdrawal at maturity, and interest shall be calculated according to the interest rate of the current savings deposit on the date of withdrawal for early withdrawal.

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.

Expand the Nai Sho Bu information:

Definition. 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.

A fixed deposit is the money or currency that the depositor temporarily transfers the right to use to the bank under the condition that the depositor retains ownership, and is the most important source of credit funds for the bank.

Note: If the depositor withdraws the fixed deposit before the agreed savings period, the bank will usually handle the transaction in the form of demand deposit. Depositors are often required to notify the bank one day in advance to request an appointment for withdrawal before they need to withdraw a large amount of deposit, in case the bank has enough cash to make the payment.

A document for a fixed deposit, which usually has:"Certificates of Deposit"with"Regular passbook"Both.

2.Types: Generally, according to the deposit period, it is divided into 3 months, 6 months, 1 year, 3 years, etc.

3.Interest rate: The interest rate on a fixed deposit is the rate of return paid by the bank to the depositor on the amount of the fixed deposit.

4.Extraction method:

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;

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

Part of the withdrawal is made in advance, the withdrawal part is calculated according to the current period, and the rest is still according to the regular period.

Under normal circumstances, the interest rate of fixed deposits is different according to different years, and the interest rate of bank deposits is not adjusted every year, but is adjusted by the state at any time according to the economic operating conditions, and the interest rate on fixed deposits of all banks in China, such as the Industrial and Commercial Bank, the Construction Bank, the Bank of China, the Agricultural Bank of China, and the Bank of Communications, is the same, which is uniformly stipulated by the People's Bank of China.

Interest calculation. Interest rates are divided into simple interest and compound interest rates:

Interest i=p*i*n, where i represents interest, i represents interest rate, and n represents the number of years of deposit. China uses the simple interest calculation method.

Simple interest method. Interest = Principal Interest Rate Term.

Compound interest method. Used to calculate interest at the time of automatic rollover).

f=p (1+i)n (power).

f: Compound interest terminal value.

p: Principal. i: Interest rate.

n: an integer multiple of the time the interest rate was obtained.

Bank deposits and withdrawals have ushered in a major new travel regulation, requiring that from March 1, 2022, those who make deposits and withdrawals of more than 50,000 yuan from major banks, or handle cash deposits and withdrawals of more than 10,000 US dollars equivalent in foreign currency, will verify the identity of the handler. That is, for those who handle deposits and withdrawals of more than 50,000 yuan, the bank will ask you, where does the money come from? Going to ** again?

If you are not truthful or do not come up, then the bank will not only not handle the business for you, but it is also likely to be involved in breaking the law.

1.You can save a portion of your money every month, for example: $200. The deposit period is 1 year. You can choose a fixed deposit for 1 year.

2.Deposit rates are now the same across banks. Interest is calculated according to the deposit interest rate set by the People's Bank of China. You can choose a bank that is closer to home and has a good service attitude.

3.If you start from August 1st, save 200 yuan every month for a year. Then, starting from August next year, you will have a deposit slip of 200 yuan due every month, and you can withdraw the principal and interest of 200 yuan every month, plus the change of the month, and then save a fixed deposit.

In addition, if you need money urgently, you can withdraw the latest savings in advance. In this way, there will be less interest loss.

4.Suggestion: It is not advisable to choose a long-term term for a savings deposit. I think it's okay to choose 1 year. Some people prefer to opt for a 3-year or 5-year fixed savings deposit, believing that it has a higher interest rate.

Because we are currently in an era of low interest rates, if you choose to deposit for too long, the interest rate will increase during the deposit period, which will lead to a decrease in interest income.

Is it more cost-effective to keep a bank fixed deposit for a few years? If you don't know, come and take a 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.

I hope my answer is helpful to you

Question more than 140,000, that is, the profit on Alipay is, calculated that there is 3211 a year, but if I just calculated the bank interest, it is a total of 500,000, but only 1616,800, is it only 1600 hundred, why is it less a year.

A one-time fixed deposit can be deposited for up to five years, and the minimum should be ten yuan, because there is an annual fee, and there is no limit to the maximum.

I want to open a postal savings dead account·· I'd like to ask... If I do it today, I'll use it. A fixed amount time deposit is a fixed fixed denomination of a certificate of deposit.

The deposit period of fixed deposits is divided into six grades: three months, six months, one year, two years, three years and five years, and the minimum deposit amount is 50 yuan.

Dead deposit is a colloquial term for time deposit.

You are talking about a lump sum deposit, the concept of a fixed term is how much money you take out at a time, the deposit period is more than one year, and you don't withdraw money back in the middle, this is a fixed deposit, how to save a small amount of money is not a dollar, it is useless.

The minimum deposit is 10 yuan, and there is no limit to multiple deposits, and the general requirement is to withdraw at maturity, and if there are special circumstances, you can withdraw in advance.

Open online banking or mobile banking, after logging in, you can transfer to each other with your regular or current account, and the regular transfer to current account will be calculated according to the current interest, and the remaining untransferred will be calculated according to the original interest rate.

Banks all implement the interest rate set by the People's Bank of China, and the interest rate is the same in any bank. The longer the interest, the higher the interest rate, and the early termination reduces the interest. If it is possible to use some of the funds in advance and want high interest, you may wish to deposit in batches and segments:

If you save a fixed amount of money every month for one year, you will have money every month after one year, and the interest is higher than that of a fixed one-year deposit. And so on.

Do a regular one-pass with a regular deposit of 50 yuan.

1. Deposit a fixed deposit certificate for 1 year every month, advantages: when you want to use it, you can take one out, and the interest loss is less. Disadvantages: There are too many certificates of deposit, and you have to do them every month, which is very troublesome.

2. Open the lump sum deposit and withdrawal business, and ask the bank to automatically deduct a certain amount from your salary card to the fixed account every month, and you can also deposit it yourself. Advantages: It is very convenient and achieves the purpose of mandatory deposit.

Disadvantages: The amount saved each month must be the same, and if you want to use it temporarily, you have to calculate the interest according to the current account.

You should be referring to the fixed deposit, the meaning of the fixed deposit: if you have 100,000 yuan to put in the bank, you set a time to withdraw, the longer the interest, but the only inconvenient thing is that after setting that time, you must go to that time to withdraw the money, during this period, no matter what happens to you or relatives and friends need money, you can't take it out, and you can't withdraw it, do you understand?

Determine the deposit for a certain amount of time.