What is the current interest on UnionPay card deposits and how much is the interest on one year depo

% of the annual interest rate of urban and rural residents and unit deposits

a) Current. b) Periodic 1Whole deposit and whole withdrawal.

Three months and half a year.

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

2.Fractional deposit and withdrawal, lump sum deposit and withdrawal, principal deposit 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. Interest = Interest Rate * Principal * Time.

Please note that the time is 1 per year

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.

This is the standard based on the one-year deposit rate of the Agricultural Bank of China.

Current accounts are paid quarterly (interest is paid on the 20th of the last month of the quarter), and regular payments are made in a lump sum at maturity. The annual interest rate of the current term, one year fixed, of course, there are other deposit periods, the longer the deposit, the higher the interest rate.

The card is just a medium, and you can live under the card, which is generally the card reserve you deposit, and you can also deposit various fixed deposits. The interest is the same as the use of passbooks and certificates of deposit.

The one-year time deposit interest rate of each bank mainly refers to the deposit benchmark interest rate announced by the People's Bank of China, and the one-year deposit interest rate of the People's Bank of China is.

The following are the one-year deposit interest rates of each bank: Bank of China, Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China, Bank of Communications, China CITIC Bank, MYbank, Postal Savings Bank, WeBank, and Everbright Bank.

Calculation of the interest rate of the bank's one-year fixed deposit:

Most of the Shangyuan Shirt Zhongye Bank has a one-year fixed interest rate of about 175 yuan, and the interest of 10,000 yuan for a year is 175 yuan. (The method of calculating the interest on a fixed deposit: interest (year) = principal annual interest rate (percentage) deposit period).

Bank interest: Generally speaking, whether money deposited into a bank card will incur interest depends on the type of bank card, some cards have interest, and some cards do not. If the money is deposited into a debit card or quasi-credit card, the interest on the actual deposit period will be calculated according to the current interest rate listed on the day.

Generally, the deposit interest rate of different regions and banks may be different, the deposit interest rate of state-owned banks is low, and the deposit interest rate of joint-stock commercial banks, local banks and private small banks is relatively high, which can attract some users to make deposits. Some banks will also have some deposit activities to attract users and can get more revenue. <>

Interest = principal * interest rate * deposit period, the deposit interest rate of major banks will be different, taking Bank of China as an example, the details are as follows:

1. Demand deposit: annual interest rate; The interest on a deposit of 400,000 yuan for one year is 1,200 yuan.

2. Time deposit: one-year annual interest rate for whole deposit and withdrawal; The interest of a deposit of 400,000 yuan for one year is 400,000 * yuan. The annual interest rate for one year is 400,000 yuan for a one-year deposit of 400,000 yuan.

3. Large-amount certificates of deposit: The one-year annual interest rate of the minimum deposit amount of 300,000 large-amount certificates of deposit of Bank of China in 2022 is, and the interest of a one-year deposit of 400,000 yuan is 8,720 yuan.

Further information: Interest is the fee for the use of money over a certain period of time, and refers to the remuneration received by the holder of the currency (creditor) from the borrower (debtor) for lending money or money capital. This includes interest on deposits, loans, and interest on various bonds.

Under capitalism, the source of interest is the surplus value created by wage workers. The essence of interest is a special form of transformation of surplus value, which is part of the profit.

Definition of interest: 1. Money other than the principal obtained from deposits and loans (different from 'principal').

2. Interest (interest) abstractly refers to the value-added amount brought by the injection and return of monetary funds to the real economic sector. Interest is less abstract and generally refers to the remuneration paid by the borrower (debtor) to the lender (creditor) for the use of borrowed money or capital. Also known as sub-gold, the symmetry of the mother gold (principal).

The formula for calculating interest is: interest = principal interest rate deposit term (i.e. time).

Interest is the remuneration received by the owner of the capital for lending the funds, which comes from the profits generated by the producer using the funds to perform business functions. It refers to the value-added amount brought by the injection and return of monetary funds to the real economic sector, and its calculation formula is: interest = principal interest rate 100% of the deposit period

3. Classification of bank interest.

According to the nature of the bank's business, it can be divided into two types: bank interest receivable and bank interest payable.

Interest receivable refers to the remuneration that the bank receives from the borrower for lending funds to the borrower; It is the price that the borrower must pay to use the money; It is also a part of the bank's profits.

Interest payable refers to the remuneration paid by the bank to the depositor for absorbing the deposit; It is the price that the bank must pay to absorb the lack of deposits, and it is also part of the bank's cost.

Knowing the annual interest rate, the interest calculation formula is: interest principal annual interest rate deposit term (years).

If the annual interest rate is, then if you deposit 10,000 yuan, the annual interest is 10,000 yuan.

1.Calculate the interest for the whole year first:

Annual Interest = Principal * Annual Interest Rate;

10,000*.

2.Then use the annual interest to calculate the interest for a single month, and multiply the monthly interest by 3 to get the interest for three months:

170 12*3=yuan.

Interest rates are usually divided into three types: annual, monthly, and daily. The annual interest rate is expressed as a percentage of the principal, the monthly interest rate is expressed in thousandths, and the daily interest rate is expressed in thousandths.

Formula for converting daily interest rate to annual interest rate and monthly interest rate:

Daily interest rate = annual interest rate 360;

Monthly interest rate = annual interest rate 12.

Monthly interest rate = daily interest rate 30

Annual interest rate = monthly interest rate 12

Interest = Interest Accumulation Daily Interest Rate.

For example: 1. If someone borrows 10,000 yuan and the annual interest rate is, then the monthly interest rate = the interest that the business needs to pay every month = 10,000 * yuan.

2. If someone takes a loan of 10,000 yuan and the monthly interest rate is, then the annual interest rate = the interest he needs to pay in a year = 10,000 * yuan.

The interest rate of the bank is not fixed, it refers to the ratio of the amount of interest to the amount of borrowed funds, that is, the principal, for a certain period of time.

Interest rate is the main factor that determines the cost of capital of enterprises, and it is also the decisive factor for enterprise financing and investment.

Extended information: In the daily loan business, we often hear about the concepts of annual interest rate, monthly interest rate, and daily interest rate, so what do they mean? Interest rate, also known as interest rate, is the ratio of the amount of interest to the principal amount over a certain period of time, usually expressed as a percentage.

The annual interest rate, monthly interest rate, and daily interest rate are the interest rates calculated on a yearly, monthly, and daily basis, respectively. The annual interest rate refers to the interest rate on deposits for one year. 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. The annual interest rate is expressed as a percentage of the principal, the monthly interest rate is expressed in thousandths, and the daily interest rate is expressed in thousandths.

When the economy is in the growth phase, there are more opportunities for banks to invest, the demand for loanable funds increases, and interest rates rise; On the contrary, when the economy is sluggish and the society is in a period of depression, the willingness of banks to invest decreases, and the demand for loanable funds naturally decreases, and the market interest rate is generally low. Generally speaking, when the central bank expands the money supply, the total supply of loanable funds will increase, the supply will exceed demand, and the natural interest rate will fall accordingly; Conversely, the central bank implements a tight monetary policy to reduce the money supply, and the supply of loanable funds exceeds the demand, and interest rates will rise accordingly. The market interest rate is the sum of the real interest rate and the inflation rate.

When the ** level rises, the market interest rate also rises accordingly, otherwise the real interest rate may be negative. At the same time, due to the rise in **, the public's willingness to deposit will decline and the loan demand of industrial and commercial enterprises will rise, and the imbalance between deposits and loans caused by the demand for loans greater than the supply of loans will inevitably lead to an increase in interest rates.

There is an interest of 3,500 yuan for 100,000 yuan for one year and 8,800 yuan for two years. It is recommended to deposit to the Agricultural Bank of China, I am from the Agricultural Bank of China.

2. Six-month time deposit: the interest rate is;

Time deposit. The interest rate is less than 2%, and the interest is about 2,000 yuan.

5. Three-year fixed deposit: the interest rate is;

If 100,000 yuan is deposited in the Postal Savings Bank for 1 year, the interest due is 100,000 yuan, and the cost performance is still very good.

100,000 years of death in the postal deposit, 6, five years of time deposits: the interest rate is.

4. Two-year time deposit: the interest rate is;

The interest rate of the Postal Savings Bank's one-year ordinary time deposit is the highest compared with other state-owned banks. Even compared with other commercial banks, it is not far behind, because the average one-year time deposit interest rate of the national joint-stock commercial banks is that of urban commercial banks and foreign banks.

100,000 yuan is deposited in the postal bank for a fixed period of 3,500 yuan for one year, and 8,800 yuan for two years.

3. One-year time deposit: the interest rate is;

It is recommended to put Yu Bao and current account, which is convenient and the income is higher.

1. Three-month time deposit: the interest rate is;

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At present, the interest rates of the major state-owned banks (industry, construction, agriculture, China, postal services, communications, etc.) for one year are. Therefore, the fixed interest of 10,000 yuan for one year is:

10,000*.

At present, the deposit bank has a fixed term of one year, and although each bank is slightly different, it is roughly the same, because it is all floated on the base interest rate stipulated by Yang Han. It's about 2%. Therefore, if you save 10,000 yuan for a year, the interest will be about:

10000 2% = 200 (yuan).

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It's really hard to live alone.

When I let go of your hand.

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Drink indulgent liquor.

Wake up and finally accept.

When love is scattered.

What is the longevity of heaven and the eternity?

Suffered for a lifetime of time.

Do you understand. Whether it is enough.

How could you be so cruel to leave me.

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Can't tell whose fault it is.

Pay in exchange for this result.

How could you hurt me ruthlessly.

Pity me for loving you so much.

Lost joy.

Disillusioned with promises.

Keep the days of two.

Alone. ━━music≡━━

How could you be so cruel to leave me.

What the hell is all this.

Can't tell whose fault it is.

Pay in exchange for this result.

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Pity me for loving you so much.

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According to the current bank interest rate of 3% per annum, then the interest you get from saving 2,000 yuan a year is 60 yuan. 10 years is 600 yuan. But if you buy bank financing at an annual interest rate of 4%, then 10 years is 800 yuan, which is 200 yuan more.

One. The balance of wealth management products in ICBC is not safe.

One of the new wealth management products launched by ICBC can be used for financial management with the balance, which is a product named ICBC Credit Suisse Cash Express, which is simply put, ICBC Credit Suisse Cash Express is a cash account with expectations and returns that far exceed the bank's demand deposits, and at the same time, funds are withdrawn quickly and flexibly. Its use and financial risk rating are similar to Alipay's Yue Bao, which is relatively safe and almost risk-free.

Two. What does bank fixed deposit mean.

Deposit bank fixed deposit means that the investor deposits the assets in the hands of the bank and agrees with the bank for a period of time, and withdraws the principal and interest after the maturity of the deposit at the agreed time. For example, if an investor deposits 100,000 yuan in a bank with a deposit period of one year, then the deposit period after one year is the date on which the principal and interest are received. There are three types of fixed deposits: lump sum deposit, lump sum deposit, principal deposit and interest withdrawal, and fractional deposit and withdrawal.

Third, can I withdraw the fixed deposit in advance before the maturity of the answer?

Fixed deposits can be withdrawn before maturity. An early withdrawal of a fixed deposit is a type of early withdrawal. Under normal circumstances, if the time deposit is withdrawn before maturity, the part withdrawn in advance shall be calculated according to the interest calculation method of the current deposit interest rate.

There are two ways to withdraw a fixed deposit before maturity. One is to convert a fixed deposit directly into a demand deposit, so that the interest rate on all deposits is calculated according to the demand deposit rate. Second, the part of the fixed deposit should be withdrawn in advance.

Only the withdrawn part of the time deposit will be charged interest at the demand deposit rate, and the rest will be charged at the time deposit interest rate.

Four. What is the bank's demand deposit rate.

The benchmark interest rate for bank demand deposits is: Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Bank of China, Bank of Communications, Postal Savings Bank of China demand deposit interest rates are.