How much interest is there on a lump sum deposit of 10,000 a year in the postal service?

Lump sum deposit is a basic type of bank fixed deposit, which refers to a saving method in which depositors agree on the deposit period, monthly fixed deposit, and withdraw principal and interest at maturity when making bank deposits. The minimum deposit is 5 yuan per month, and it is deposited once a month, and if there is any omission in the middle, it should be made up in the next month. The deposit period is generally divided into 1 year, 3 years and 5 years.

If you deposit a whole deposit for a year, do you save 1000000 per month for a whole year or save 10000 per month for a whole year 12.

Interest on lump sum deposit: interest = monthly deposit amount, accumulated monthly accumulation, monthly interest rate.

Principal and interest of the whole deposit principal and interest = monthly deposit amount * deposit n months accumulated monthly interest rate.

Monthly interest rate for lump sum withdrawal: monthly interest rate = annual interest rate 12

Fractional deposit for one year; Cumulative monthly accumulation: 78

Three-year lump sum withdrawal; Cumulative monthly accumulation is 666

Deposit for five years; Accumulated monthly accumulation 1830

Whole deposit and withdrawal year; Accumulated monthly accumulation 1830

For example, the annual interest rate of the one-year lump sum deposit is 1000 yuan, and the principal and interest due at the annual interest rate of the one-year lump sum deposit are 1000*12+1000*78*lump sum deposit, which is a kind of regular savings, which refers to a kind of savings with an agreed deposit period, a lump sum deposit, and a one-time withdrawal of principal and interest at maturity.

Minimum deposit of 50 yuan, no limit on more deposit.

For example: lump sum deposit for one year, deposit 10,000, current lump sum deposit and lump sum for one year annual interest rate due principal and interest: 10,000 + 10,000 * yuan.

Hello, the calculation method of interest on the lump sum savings is as follows: interest = daily accumulation * daily interest rate; Daily accumulation = deposit balance * actual number of days; On July 6, 2012, the Postal Savings Bank of China began to implement the one-year interest rate of zero deposit and withdrawal; The interest rate and calculation method are provided here for reference or contact the staff of the business office of the Postal Savings Bank for specific inquiries; Hope mine is helpful to you.

Just multiply the numbers you save.

According to the current one-year deposit interest rate of the postal bank, the one-year deposit interest of RMB 10,000 is calculated as follows: RMB. If you need to deposit enough money at one time, you need to prepare more money at one time, and you can choose to deposit and withdraw a certain amount of money at one time.

If you are usually short of funds, it is not recommended to choose time deposits, and it is more appropriate to choose demand deposits.

Extended Information: Deposit Bank Term.

Banks have three months, six months, one year, two years, three years, five years, etc., generally if the use of funds is not too certain, will choose to save for one year, and can put more time, generally choose three years, because the interest rate difference between three years and five years is very small, there is no need to choose five years. But the difference in interest rates between different banks, different maturities, is obvious.

1.Large banks.

Interest rates are generally relatively low in the state-owned banks. One-year interest rate, 1 million yuan a year interest of 10,000 yuan;

The three-year interest rate is, and if you deposit for three years, the one-year interest is 10,000 yuan.

2.Medium-sized banks.

Except for the four major banks, the interest rate is relatively higher, the one-year interest rate is 2%, and there is 20,000 interest for 1 million a year; The three-year interest rate is 1 million for three years, and the one-year interest is 10,000 yuan.

3.Credit cooperatives, postal savings banks, city commercial banks.

The interest rate of these types of banks is higher, with a one-year interest rate, and 1 million yuan of interest for a year; The three-year interest rate is 1 million for three years, and the one-year interest is 10,000 yuan.

Large certificates of deposit. Now most banks have launched a large-amount certificate of deposit business, large-amount certificates of deposit generally require a minimum deposit of 200,000 yuan, the interest rate rise is greater than that of general time deposits, the interest rate of three-year large-amount certificates of deposit is in, if the higher value is taken, 1 million yuan to buy a three-year large-amount certificate of deposit, a year can get interest of 10,000 yuan.

In fact, the money is stored in the state-owned banks, although the income is not higher than many private banks, but it is still relatively safe, the so-called high yield will be high risk at the same time, when choosing how to manage money, we must consider many aspects, do not regret because of the so-called "high interest".

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The above are the deposit rates of the Postal Savings Bank of China.

Hello, the Postal Savings Bank deposits 10,000 yuan and withdraws 10,000 yuan for one year, and the interest is 10,000 yuan.

This interest is similar to that of Yu Yu Bao.

1. Demand deposits. The current interest rate of the Postal Savings Bank is, then the current interest of 10,000 yuan for one year is: 10,000 * yuan.

2. Time Deposits:

1. Whole deposit and withdrawal. The annual interest rate of the whole deposit for one year is, then the interest of 10,000 yuan for one year is: 10,000 * yuan.

2. Fractional deposit, lump sum deposit, principal and interest. The annual interest rate for one year is, then the interest of 10,000 yuan for one year is: 10,000 * yuan.

3. Set up two pennies. 6% discount at the same grade interest rate for regular deposits within one year. The interest rate of the whole deposit and withdrawal for one year is, then the fixed and active two convenience rates are, then the interest of 10,000 yuan for one year is 10,000 * yuan.

Extended information: 1. Loan interest rates and interest.

The General Principles of Loans stipulate that:

1. Determination of loan interest rate: The lender shall determine the interest rate of each loan in accordance with the upper and lower limits of the loan interest rate stipulated by the People's Bank of China, and specify it in the loan contract;

2. Calculation and collection of loan interest: The lender and the borrower shall collect or pay interest on a regular basis in accordance with the loan contract and the relevant interest calculation regulations of the People's Bank of China. When the extension period of the loan plus the original term reaches the new interest rate level, the interest rate of the new term grade will be calculated from the date of extension.

Penalty interest will be charged on overdue loans in accordance with regulations.

3. Interest discount of loans: According to national policies, in order to promote the development of certain industries and regional economies, relevant departments can subsidize interest on loans. For loans with interest discounted by the relevant departments, the undertaking bank shall independently review and issue them, and strictly manage them in accordance with the relevant provisions of the General Principles of Loans.

4. Loan interest suspension, interest reduction and interest exemption: Except for the first provisions, no unit or individual has the right to decide on interest suspension, interest reduction, and interest exemption. The lender shall, in accordance with the decision of the lender, specifically handle the interest suspension, interest reduction and interest exemption in accordance with the scope of its responsibilities and authority.

2. Loan interest.

The interest rate for medium and long-term loans (with a term of more than one year) is fixed for one year. The loan (including all funds that should be disbursed in installments within one year from the effective date of the loan contract) shall be calculated according to the statutory loan interest rate of the corresponding grade on the effective date of the loan contract according to the term determined in the loan contract, and the interest rate for the next year shall be determined according to the statutory loan interest rate of the corresponding grade at that time after each full year (the disbursement date of the first loan shall prevail in the case of partial disbursement). Medium and long-term loans are settled on a quarterly basis, with the 20th day of the last month of each quarter as the interest settlement date.

The interest that cannot be paid on time during the loan period will be compounded at the contract interest rate on a quarterly basis, and the penalty interest rate will be compounded after the loan is overdue.

The interest rate on bank fixed deposits is now one year. Postal savings will also implement the country's fixed deposit, the interest rate can rise to a certain extent, but it will not be very high, under normal circumstances, 10,000 yuan saved for a year is about 200 yuan.

<> postal savings of 10,000 yuan for one year, the interest is 178 yuan.

Interest Principal x Interest Rate x Deposit Term.

If the interest rate of a one-year deposit of the Postal Bank is, then the interest of a one-year deposit of 10,000 yuan is: yuan).

If you have a fixed term for one year, the annual interest rate should be around the same level.

The current interest of the bank is very low, and you can choose to invest in some fixed income **, with an annualized return of 4-5 points.

The annual interest of the 10,000 RMB demand deposit of the Postal Savings Bank of China is 30 yuan; The corresponding interest for a one-year fixed deposit of 10,000 yuan (lump sum deposit and withdrawal) is 178 yuan (answer on December 7, 2020).

According to the RMB Deposit Interest Rate issued by Postal Savings of China on November 20, 2020, the bank's annual interest rate of 10,000 yuan for demand deposits is a one-year fixed deposit interest rate. Therefore, the corresponding interest can be calculated by multiplying the principal by the corresponding annual interest rate.

Hello dear, glad to answer for you! Postal savings of 10,000 yuan for one year, the interest is 10,000 * yuan. Japan Post Bank Fixed Deposits are divided into deposit methods:

1. Whole deposit and withdrawal. 2. Zero deposit and withdrawal, whole deposit and zero withdrawal, principal deposit and interest 1, whole deposit and withdrawal. The annual interest rate for one year is, then the interest of saving 10,000 yuan for one year is 10,000 * yuan. 2. Fractional deposit, lump sum deposit, principal and interest.

The annual interest rate for one year is, then the interest of saving 10,000 yuan for one year is 10,000 * yuan. <>

The interest calculation formula is: interest = monthly deposit amount accumulated monthly interest monthly interest rate.

At present, the interest rate of the Postal Savings is calculated as the annual interest rate of 1 year, the annual interest rate of 3 years, and the annual interest rate of 5 years. If your deposit amount is $100,000 and the deposit term is 5 years, then the interest is about $7,800.

However, the specific interest is subject to the actual situation.

Postal Savings Bank of China has a history of 100 years, dating back to 1919. In March 2007, on the basis of reforming the original postal savings management system, Postal Savings Bank of China Co., Ltd. was formally established. In January 2012, the overall restructuring was made into shares.

In December 2015, 10 domestic and foreign strategic investors were introduced. In September 2016, it was listed on the Hong Kong Stock Exchange. In December 2019, it was listed on the Shanghai Stock Exchange, successfully completing the three-step reform goal of "share reform, leading the war, and listing in A and H".

The Bank has nearly 40,000 business outlets, serving more than 600 million individual customers, giving full play to the advantages of the unique model of "self-operation + **" to serve the "three rural", urban and rural residents and small and medium-sized enterprises. With excellent asset quality and significant growth potential, we are a leading large-scale retail bank in China. Persist in serving the real economy, actively implement national strategies and support the construction of China's modern economic system, and achieve its own sustainable development.

Adhere to the customer-centric, create an online and offline interconnected, integrated financial service system, and provide customers with high-quality, convenient and efficient integrated financial services. Adhering to the risk-oriented approach, we continued to improve the construction of a comprehensive risk management system of "comprehensive, whole-process, and all-staff", and maintained an excellent level of asset quality. Adhere to the mission of "inclusive urban and rural areas, so that financial services have no distance", and provide inclusive financial services; In line with the trend of residents' wealth growth and consumption upgrading, the development of wealth finance; support the transformation and upgrading of industrial structure and the development of industrial finance; Implement major deployments for carbon peaking and carbon neutrality, and develop green finance.

Empower high-quality development with financial technology, and build a digital ecological bank serving rural revitalization and new urbanization.