How much is the interest due for 50,000 yuan deposited in rural commercial banks for three years? Is

<> under the condition that interest rates are completely market-oriented, the deposit interest rate of rural commercial banks is generally higher than that of state-owned banks and joint-stock banks, and can rise by up to 55% on the basis of the benchmark interest rate promulgated by the central bank. However, rural commercial banks across the country are not unified legal persons across the country, and there are differences in the implementation of interest rates. Taking a three-year fixed deposit as an example, the lowest interest rate is only about 3%, and the highest can be reached.

Calculated at the lowest interest rate for 3 years, 50,000 due interest: 50,000 * 3% * 3 = 4,900 Calculated at the highest 3-year interest rate, 50,000 due interest: 50,000 * Compared with state-owned banks and joint-stock banks, it is still cost-effective:

The 3-year interest rate of state-owned banks is generally 50,000 yuan due interest: 50,000*, a difference of more than 2,000. Joint-stock banks take Huaxia Bank as an example, the 3-year interest rate is, and the interest due of 50,000 yuan is:

The purpose of putting funds into the bank as a deposit is definitely to ensure the safety of the funds and obtain higher returns. If this analysis is made, if the real interest rate does not break 4%, it can only be said that it is a better choice, but it is not the best choice, for the following reasons: in terms of principal and interest protection products, there are better alternatives, such as 3-year treasury bonds.

Taking the 7th Treasury bond in 2018 as an example, the coupon rate of the 3-year bond is 4%, and it can be withdrawn in advance. No interest will be accrued for less than 6 months, less than 1 year interest rate for full 6 months, less than 2 years for 1 year and less than 2 years, and less than 3 years for full 2 years. If it is withdrawn in advance after 2 years, 50,000 interest:

5000*, deducting the handling fee of 50000*, there is also 3440 interest; However, the interest on the 2-year demand deposit is only: 50000*, and the difference between the two is 3090, which is too big. Therefore, government bonds are not only more profitable than time deposits, but also have higher liquidity.

Second, the interest rate on fixed deposits of private banks will be higher, and there is no shortage of strong liquidity. For example, MYbank's Dinghuo Treasure is also equivalent to a 3-year fixed deposit, with an early withdrawal execution interest rate and a 3-year maturity interest rate, and there is no threshold for depositing and withdrawing. In this way, the interest withdrawn from 50,000 a year is 1,750.

The 3-year time deposit of the Rural Commercial Bank, if it is withdrawn in 1 year, it is calculated as the current interest rate, which is only 175 yuan, a difference of 10 times. WeBank's smart deposit + is more powerful, known as the king of deposit cost performance. As long as the deposit is completed for 1 month, the execution interest rate is 4%, and the interest rate can be reached after 1 year.

For the same maturity withdrawal, calculated according to the highest interest rate, the interest of 50,000 yuan of rural commercial bank is, while the interest of WeBank is 6750, a difference of 573 yuan. If withdrawn early, the spread is also as high as 10 times or more. To sum up, as long as the single fund does not exceed 500,000 yuan (subject to the full protection amount of the deposit insurance regulations), in order to obtain higher interest income on the deposit, in addition to choosing a good deposit type, it is also necessary to choose a good bank.

State-owned banks are no match for joint-stock banks, and joint-stock banks are no match for private banks, and the best of private banks are online banks. Cost determines benefit, which is the law of value.

The three-year fixed annual interest rate of the Rural Commercial Bank is 4,125 yuan. In this way, it is not suitable to make a deposit, and you can choose a wealth management product of about 4% on the Alipay platform, which is more cost-effective.

The interest due for three years can be about 6,000 yuan, and I think such a deposit is very inappropriate, because my own funds will be seriously occupied.

If you want to keep 50,000 in the bank. Truth be told, his interest is not high. It is recommended that you learn some financial products and buy some financial products. Choose some financial products with high security.

The three-year regular annual interest rate is about, and the interest is about 5,250 yuan after three years of maturity.

5% for a five-year termFive years later, 50,000 yuan interest. It's just a bit long.

50,000 yuan is deposited in the rural commercial bank for three years, and the interest due is 45,000 yuan. This kind of interest is still relatively high, which is more suitable for people who have a small amount of funds, do not want to take risks and want to obtain benefits. Although the interest is not particularly large, the risk is very small and you don't need to worry about losing money after you have deposited money.

Nowadays, many people will deposit their money in the bank, and it is a fixed deposit, so the interest rate is relatively high. However, netizens also need to make sure that the Rural Commercial Bank is not a bank, but a local financial institution. It is more convenient to save money here, because the rural commercial bank is mainly rooted in the grassroots to serve the farmers.

The controlling person of the rural commercial bank in different regions is different, you can also ask more, and then find a bank with a higher interest rate to save money. On the Internet, I learned that the interest rate of some rural commercial banks for three years is that the interest rate is, and some of them are, and the gap between them is still relatively large. In fact, there are more state-owned banks in China, and these banks are relatively large and very safe, and if you have more money, you can deposit it in these banks, which is very safe and will not make you unable to withdraw money.

Like many village and township banks, they are private banks, which most likely refer to absorbing funds but not allowing users to withdraw money.

The interest rate on ordinary deposits is actually relatively low, which may be between 2% and 3%. Therefore, fixed deposits are the choice of some people, because they do not need to use money, and they will deposit money in a unified manner. 50,000 yuan, if the interest of the current deposit may only be a dozen yuan per month, it is still more cost-effective to save the fixed term.

I also took a look at the deposit product of the Rural Commercial Bank, which is still relatively good, and netizens who want to save can also go to the bank's business department to consult.

Be mentally prepared before saving money, as it is fixed and may be difficult to withdraw when it is not due, unless you can provide proof that you need money urgently, such as if your parents are sick.

The interest due is generally about 100 yuan, and I don't think it's appropriate to deposit like this, because you have too little interest.

The interest rate of each rural commercial bank is different, and the interest after maturity is about 4,500 to 5,500 yuan. It's still more appropriate.

You can get at least 1,000 dollars. I don't think it's quite suitable. Mainly because the interest is so little, I think you should save for 5 years.

50,000 yuan in the Agricultural Bank.

3 years fixed deposit.

The interest is 5,250 yuan.

Calculation method: The interest rate of ABC for a fixed term of 3 years is;

Interest for 3 years. = Principal x Interest Rate x 3

1750x3

5250 yuan.

At present, the interest rate of ABC for 3 years is an annual interest rate.

Please refer to the actual time of handling the specific interest rate.

The interest calculation formula of the whole deposit and withdrawal is divided into the following situations:

1.Withdrawals at maturity:

1) If the interest period is the whole year (month): interest principal year (month) number of years (month) interest rate - interest income tax.

2) If the interest-bearing period has a whole year (month) and a fractional number of days: interest, principal, year (month), year, year, month, interest rate, principal, fractional days, daily interest rate-interest income tax.

2.Withdrawal due after rollover: interest = (principal of the previous period + interest due in the previous period - interest income tax) Interest rate of the deposit period - interest income tax.

3.Full Early Withdrawal: Interest = Principal Actual Deposit Period Current Deposit Interest Rate on Withdrawal Date - Interest Income Tax.

4.Partial early withdrawal: interest = principal partially withdrawn Actual deposit period Current deposit interest rate on the date of withdrawal - interest income tax (The amount not withdrawn in advance is still calculated according to the interest rate on the original deposit date or the rollover date.) ）

It should be noted that interest rates will change, and the specific interest rate should be consulted with the corresponding bank in detail. Interest is calculated as a percentage of the principal interest rate per annum.

Interest tax is charged if the deposit period is held.

(1-5%) Total principal and interest = principal + interest accrued interest is calculated as follows: Accrued interest = principal Interest rate Time 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. ps：

The deposit period should correspond to the interest rate, not necessarily an annual interest rate, but also a daily interest rate or a monthly interest rate.

Extended Information: Provisions for Calculation of Deposit Period:

1. When calculating interest, the number of deposit days will be counted as the beginning and not the end, that is, from the date of deposit to the day before withdrawal; 2. Regardless of leap year or ordinary year, regardless of month size or month, the whole year is calculated as 360 days, and each month is calculated as 30 days; 3. The maturity date of all kinds of fixed deposits is calculated on a yearly, monthly, and daily basis. That is, from the deposit date to the same day of the next year and the same month as a pair of years, and the deposit date to the same day of the next month is a pair of months; 4. On the maturity date of regular savings, such as not working on statutory holidays, you can withdraw it one day in advance, and the interest will be calculated as if it is due, and the procedures will be handled with early withdrawal.

The three-year deposit interest rate of the Agricultural Bank of China is raised, and it may be raised in various places. The highest in Beijing, Shanghai, Guangzhou and other places, raised to. Therefore, the interest of 50,000 yuan deposited for 3 years is:

50,000 yuan).

According to the fixed deposit of 50,000 yuan for three years, the deposit interest rate is calculated according to the three-year fixed deposit interest rate of the rural credit cooperative. With the deposit principal * deposit interest rate = annual interest rate income * years = total interest income, then the 50,000 yuan that can be obtained quickly is 50,000 yuan * yuan Through the above calculation, the total interest income for three years is 5,982 yuan, and the principal and interest after maturity are 55,982 yuan.

If it is an ordinary family and the income is not too high, this deposit rate is okay, the deposit interest rate is higher than that of other banks, and it is relatively reasonable and appropriate to choose a three-year fixed deposit of 50,000 yuan in rural businessmen. No need to choose a new way to deposit.

Further information: 1. Definition of rural commercial bank:

1) Rural Commercial Bank, also known as a credit cooperative, is a local commercial bank and a formal bank established with the approval of the central bank.

ii) Its main business area is to raise rural idle deposits and provide financial services to agricultural, peasant and rural economic development, as well as the development of small and medium-sized enterprises.

2. What is the difference between survival and survival period?

a) Interest rates are different. Generally speaking, the interest rate for the lifetime is lower than for the term period.

ii) The timing is different. The current account can be withdrawn at any time, and the regular period must be withdrawn after the specified date, and the interest rate will be lost if it is withdrawn in advance.

3) For the only fractional deposits that must be deposited every month, there are three types of deposits: one-year, three-year, and five-year deposits, which must be deposited in a fixed amount of money every month, but the interest rate is lower than that of the same period of deposits.

4) To apply for a fixed deposit, it can be a certificate of deposit or a passbook. For non-compromising cards, banks are generally unable to reissue passbooks, and for individual settlement accounts, they can replace the card.

3. How to choose a deposit bank?

1) The choice of a deposit bank should first conform to its own basic situation, for example, it is necessary to choose a deposit bank according to its own payroll bank, which has the smallest cost and is the most convenient.

2) Choose a bank with better online banking to facilitate online business.

3) For banks with high expected interest rates on target deposits, such as postal savings banks with high interest rates for three years. These banks are relatively good, ICBC, Postal Savings Bank have higher interest rates, Rural Commercial Bank has good offline services, China Merchants Bank and China CITIC Bank.

The annual interest rate of the bank's three-year fixed deposit should not exceed 4, and 50,000 yuan is about 6,000 yuan for three years. Personally, it is recommended to buy short-term low-risk Yuxiangyan risk management products, with higher returns than deposits and flexible turnover.

50,000 yuan deposited in the rural commercial bank for a fixed period of three years, how much interest can I get, is there a better way to save money, 50,000 yuan in three years, there should be more than 1,000 yuan a month.

It is okay to deposit 50,000 yuan in the rural commercial bank for a period of three years, and the interest due is about 1,500, which is still a good way to save money.

50,000 yuan from the rural commercial bank for three years, depending on the interest rate at that time, the pressure is based on the interest rate multiplied by 50,000 3 to get the amount.

How much interest can I get if 50,000 yuan is deposited in the rural business sedan bank for three years? 10,000 yuan is almost money, and now it is 200 a year, so 50,000 yuan is more than 3,000 yuan if it is 1,300 years old.