Interest on bank deposits, interest on bank deposits

Bank interest is calculated according to the interest rate, according to the current central bank's deposit interest rate, the benchmark interest rate of major banks is stipulated as follows: current three months, half a year, one year, two years, three years, five years.

Annual Interest Rate (%)

1. Deposits of urban and rural residents and units.

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.

I heard that for large deposits, banks can raise interest rates depending on the situation.

If the bank has an acquaintance, save 1 year for a fixed deposit, save 10,000 yuan, in addition to the bank's interest, I gave 150 yuan at that time, I have saved many times since a few years ago, this is better.

Buy Treasury bonds. However, the national debt is only 3 and 5 years.

The interest rate for 3 years is 5 years.

What about bank interest? People like to keep their money in the bank because it is not only safe but also earns interest. Everyone who makes a deposit in the bank will ask what the interest is.

Usually, the bank staff will tell you the current bank interest rate, but this is not very helpful to depositors because many people do not know how the bank interest is calculated. What they want to know is how much they can earn in a year. So today, Bian Xiao will teach you how to calculate interest on bank deposits.

Bank Deposit Interest = Deposit Principal * Annual Interest Rate * Tenor. Interest rates and tenors are what affect the interest on deposits. Interest rates include daily, monthly, and annual percentage rates.

Annual interest rate 12 = monthly interest rate; Monthly interest rate 30 = daily interest rate. The current interest rate of the central bank is; The interest rate for a three-month fixed deposit is; semi-annual fixed interest rate; A fixed interest for the term of the jujube reputation, and a fixed interest for two years; The three-year fixed interest rate is: Generally, the bank interest rate will fluctuate on the basis of the central bank's benchmark interest rate, so the deposit interest rate will vary from bank to bank.

You can compare the interest rates of several banks before making a deposit. What is the interest of 100,000 yuan deposited in the bank? There are two forms of bank deposits:

Time deposits and demand deposits. If you deposit $100,000 in the bank and choose different deposit methods, the interest will vary greatly. 1.

If the deposit is a demand deposit, the bank interest rate is subject to the central bank's benchmark interest rate, then if you deposit 100,000 yuan a year, the interest you can get is: 100,000 * * 1 = 350 yuan; 2.If there is a one-year fixed deposit, the interest rate of the one-year term is, then the interest is 100,000 * 1 = 1,500 yuan; 3.

If there is a 2-year fixed deposit, the interest rate for 2 years is 100,000 * 2 = 4,200 yuan; 4.If there is a 3-year fixed deposit with a 3-year interest rate, then the interest is 100,000 * 3 = 8,250 yuan; The above interest income is calculated based on the benchmark interest rate. Usually the bank's interest rate will fluctuate on top of the benchmark rate; For example, the current recommended interest rate on bank deposits; One-year interest rate, two-year interest rate, three-year interest rate.

If the user Hu Duan deposits 100,000 yuan in China Construction Bank, the interest rate is as follows: 1The current deposit of rock mill money for one year, the interest is 100,000 * 1 = 300 yuan; 2.

Fixed term for one year: interest 100,000 * *1 = 2,100 yuan; 3.Fixed term for two years:

Interest 100,000 * *2 = 5,880 yuan; 4.One-year fixed: interest 100,000 * 3 = 11,550 yuan;

Summary. Hello, dear, I'm honored to answer for you! <>

Interest on bank deposits is pro. Benchmark interest rate: 1 year, 2 years, 3 years; Bank of China:

1 year, 2 years, 3 years, 5 years; China Construction Bank: 1 year interest rate, 2 year interest rate, 3 year interest rate, 5 year interest rate.

Interest on bank deposits.

Hello, dear, I'm honored to answer for you! <>

Interest on bank deposits is pro. Benchmark interest rate: 1 year, 2 years, 3 years; Bank of China:

The interest rate is 1 year, the interest rate is 2 years, the interest rate is 3 years, and the interest rate is 5 years; Builders Pat Sui Bank: 1-year interest rate, 2-year interest rate, 3-year interest rate, 5-year interest rate.

Interest refers to the remuneration received by the owner of the fund for lending the money, which comes from a part of the profit generated by the producer using the money to perform the operating difficulties. Interest is the form of the time value of money, and in its form, it is the remuneration that the owner of the money receives from the borrower for issuing the money money.

Summary. Hello dear! The benchmark interest rates for RMB deposits are as follows:

1. Demand deposit: The benchmark interest rate is. 2. Fixed deposits:

1) Lump sum deposit and withdrawal: three months, half a year, one year, two years and three years. (2) Deposit and withdrawal, lump sum deposit and withdrawal, and principal deposit and interest

One year and three years. 3. Agreement deposit: The benchmark interest rate is.

4. Call deposit: seven days a day.

Hello dear! The benchmark interest rate of RMB deposits is as follows: 1. Demand deposits:

The benchmark interest rate is: 2. Time deposit: (1) Lump sum deposit and withdrawal:

Three months, half a year, one year, two years, three years. (2) Zero deposit, lump sum deposit, principal and interest: one year and three years.

3. Agreement deposits: the benchmark interest rate is. 4. Call Deposit:

Seven days a day. Hello dear! The benchmark interest rate of RMB loans is as follows: 1. Short-term commercial loans

Within 1 year (including 1 year), the annual interest rate is. 2. Commercial loan with medium and long term Zhaosong: 1 to 5 years (including 5 years), with an annual interest rate; For more than 5 years, the annual interest rate is.

3. Personal housing provident fund loan: less than 5 years (including 5 years), the annual interest rate is; For more than 5 years, the annual interest rate is.

The interest rate on bank deposits is generally the current interest rate, the interest rate for one year for a fixed term, the interest rate for two years for a fixed period, and the interest rate for three years for a fixed period.

Recently, the deposit interest rate of many banks has fallen, some time ago the bank interest rate market self-discipline mechanism required the major banks to consciously envy the reduction of 10 basis points of deposit interest rates, although this requirement is not mandatory, but many banks finally implemented, starting from April 25, many banks have lowered the deposit interest rate of 10 basis points.

Generally speaking, there are two ways to go to the bank to deposit money:

Offline and online. The offline channel is the traditional bank counter channel, where you can take the money to the bank's business outlets to deposit, whether it is a certificate of deposit or a passbook, there will be the bank's official seal, so everyone will not question the deposit deposited in the offline channel.

At present, there are more doubts about online brother trembling and deposit channels, more accurately it should be online third-party deposit channels, because online deposits are also divided into two types, the bank's own APP and third-party platforms. The bank's own app must also be the bank's own deposit, and there is nothing to doubt about this.

Third-party platforms began to appear when Internet deposits were on the rise, such as Alipay, WeChat Mini Program, JD Finance, Du Xiaoman, etc. Basically, we can see a logo for the bank deposits of these third-party platforms, the deposit insurance logo, and as I said before, as long as we see this standard cave travel knowledge, we can think that the money deposited is a bank deposit and is protected by the deposit insurance system.

Summary. Hello, happy to answer your <>

The interest rate of bank demand deposit is, the interest rate of three-month time deposit is, the interest rate of one-year time deposit is about 2, and the interest rate of three-year and five-year deposit is above, but the interest regulations of different banks will be different The specific interest rate is determined according to the deposit bank.

Interest on bank deposits.

Hello, happy to answer your <>

The interest rate of bank demand deposit is, the interest rate of three-month time deposit is, the interest rate of one-year time deposit is about 2, and the interest rate of three-year and five-year deposit is above, but the interest regulations of different banks will be different.

1. The so-called interest rate is the abbreviation of "interest rate", which refers to the ratio of the interest amount to the principal of the deposit or loan within 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, to put it simply, is the one-year deposit interest rate, and the general wealth management or loan platform is the annual interest rate, which is expressed in the form of a few percent.

Monthly interest rate, the interest rate calculated according to a monthly cycle, the monthly interest rate is generally expressed according to the number of thousandths of pants, if a platform shows 5, it must be the monthly interest rate. The daily interest rate, as the name suggests, is the interest calculated according to the daily interest calculation cycle, which is generally expressed in a few ten-thousandths. 2. Interest rate conversion formula:

Annual interest rate = monthly interest rate 12 (month) = daily interest rate 360 (days); Interest calculation is divided into accumulation method and case-by-case interest method: 1) Accumulation interest method: The daily accumulated account balance is calculated by multiplying the accumulated accumulation by the daily interest rate. It is calculated as follows:

Interest = Cumulative Interest-bearing Accumulation Daily Interest Rate, where the cumulative interest-bearing accumulation is equal to the total daily balance during the interest-bearing period. 2) The interest calculation method is calculated on a case-by-case basis according to the predetermined interest-bearing formula, which is divided into interest calculation according to year, month and day and interest calculation according to the actual number of days.

The formula for calculating interest on bank deposits is as follows:

The basic formula is: interest = principal tenor interest rate.

The conversion relationship between the annual interest rate, the monthly interest rate, and the daily interest rate is:

Annual interest rate = monthly interest rate 12 (month) = daily interest rate 360 (days);

Monthly interest rate = annual interest rate 12 (month) = daily interest rate 30 (days).

Daily interest rate = annual interest rate 360 (days) = monthly interest rate 30 (days).

Further information] Deposit interest refers to the interest paid by the bank to the depositor. The size of the deposit interest amount varies depending on the type of deposit and the length of the tenor. The longer the term of the deposit, the higher the depositor's interest income; Demand deposits are the most volatile, so depositors have the lowest interest income.

loan interest". Interest on deposits must be included in the bank's operating costs. The size of the deposit interest amount varies depending on the type of deposit and the length of the term.

The longer the term of the leased deposit, the more interest income the depositor has, and due to the instability of the demand deposit, the depositor's interest income is also the lowest. In some countries, commercial banks do not even pay interest on demand deposits.

Deposit Interest = Deposit Principal Deposit Interest Rate Deposit Term. Depending on the tenor of the deposit, there are also annual interest, monthly interest and daily interest rate. It should be noted that the deposit interest rate announced by the bank is generally an annual interest rate, and the deposit interest is not simply the principal multiplied by the interest rate, but also combined with the deposit term.

For example, if the interest rate of a bank's three-month fixed deposit is, then the interest due for a three-month fixed deposit of 100 yuan is not yuan, but yuan.

Deposits can be classified in a variety of ways, such as original deposits and derivative deposits according to the mode of generation, demand deposits and time deposits according to the maturity, and unit deposits and individual deposits according to the different depositors (taking China as an example). Personal deposits, i.e., resident savings deposits, are the currencies deposited by individual residents in banks.

Enterprise deposits are state-owned enterprises, supply and marketing cooperatives and collective industrial enterprises, due to the inconsistency of sales income and the time of various expenditures and the temporary idle monetary funds, but also include the enterprise has been withdrawn but not used all kinds of special **, the most important of which is the depreciation of fixed assets**, but also includes profit retention.

The change of enterprise deposits depends on the scale of the purchase and sale of the production commodities and the operation and management status of the enterprise, and the expansion of production or commodity circulation, the deposit of the enterprise will increase, and vice versa. If the operation and management are improved and the capital turnover is accelerated, the deposits of enterprises will decrease, and vice versa. The vast majority of corporate deposits are demand deposits, and only a small number are time deposits.