Give some answers Fixed deposits, there are several ways to make fixed deposits, and there are the f

Whole deposit and whole withdrawal is often said"Fixed Deposits"

Generally, the minimum deposit is 50 yuan, the deposit period is divided into three months, half a year, one year, two years, three years, five years, the principal is deposited at one time, and the deposit certificate (pass) is issued by the savings institution, and the principal and interest are withdrawn with the deposit certificate (passbook) at maturity, and the interest is calculated according to the fixed interest rate of the same grade at the time of deposit during the deposit period, and the interest is withdrawn at the end of the period, and the interest is calculated according to the current interest rate announced on the date of withdrawal for the part exceeding the deposit period. According to the wishes of the depositor, the fixed deposit can also be agreed upon at maturity or automatically rolled, and the deposit will be redeposited at maturity, and the interest will be calculated according to the interest rate announced on the date of redeposit.

Advantages and disadvantages: The interest rate is higher, but due to time constraints, if you withdraw early, the interest loss is larger.

Eligibility: Funds that are used in advance or that have not been used for a long time.

Financial advice: 1) At the same time of the whole deposit and withdrawal, the depositor may wish to split the large amount of money, so that not only the interest will not be lost, but also in case of the need for early withdrawal or emergency situation, it will not "affect the whole body" to avoid interest loss.

2) Many depositors often forget to withdraw money after depositing money, and the overdue interest is only calculated according to the current period, if it is combined with automatic rollover, it can be automatically rolled over after expiration, even if you forget the date, you don't have to worry.

3) Large amounts of long-term idle funds should be considered for large-amount certificates of deposit and large-amount negotiable certificates of deposit.

4) When choosing the term of regular savings, you should choose the number of years you want to save and deposit directly, so that the interest is the highest. For example, if you want to save for 5 years, you can directly choose to save for 5 years, which has the highest return. If you are sure that you will not use the funds for 7 years, but the bank does not have this period of time savings to choose, in this case, the greater the difference between the two years, the higher the return.

In other words, if you want to save a 7-year fixed deposit, choosing 1 5-year term deposit and two 1-year term deposits will be more profitable than choosing two 3-year and 1-year term deposits.

Just give four words? Imagine an essay?

What kind of answer do you want to be specific?

The money is kept in the bank and deposited for a certain period of time, such as a year. 3 months, wait.

1. Lump sum deposit and withdrawal: refers to the term of the committed deposit, the whole deposit, and the principal one-time deposit. 50 RMB minimum deposit, the deposit period is divided into three months, six months, one year, two years, three years, five years of deposit, the process of opening a bank deposit account is the same as that of the current account, only the bank withdrawal certificate is a certificate of deposit;

2. Fractional deposit and withdrawal: refers to a kind of deposit with a committed deposit period, fixed savings every month, and a transfer of principal and interest at maturity. Generally, the minimum deposit is 5 RMB per month, and the deposit period is divided into one year, three years and five years, and the bank account opening process is the same as that of demand deposit, except that the amount of the bank account should be renewed every month.

The procedures to be prepared for depositors to transfer out in advance refer to the procedures for lump sum deposit and withdrawal of fixed deposits. Generally, the minimum deposit is 5 RMB, once a month, and if there is a missing deposit in the middle, it should be replenished in the next month;

3. Lump sum deposit and withdrawal: refers to the one-time deposit of savings in the bank and the withdrawal of batches. The procedures to open a deposit account are similar to the current account process, with a minimum deposit of 1000 RMB, and the withdrawal period is divided into one month, three months, and six months;

4. Deposit and interest withdrawal: refers to the savings of the promised deposit period, the whole deposit, the interest on the deposit withdrawn in installments, and the one-time withdrawal of funds at the expiration of the term. Generally, it is a minimum deposit of 5000 RMB, and the deposit period is divided into three years and five years, and the deposit interest is withdrawn every month by virtue of the passbook, and the principal is withdrawn at the expiration of the term.

The process of opening and withdrawing a bank account is the same as that of current deposits, and the procedures for early withdrawal are the same as those of fixed deposits;

5. Fixed life and two pence: refers to a kind of deposit that can be transferred out at any time without promising the deposit period in advance when the depositor saves. Generally, the minimum deposit is 50 RMB. The bank accounts opened and transferred out are based on demand deposit savings.

6. Call deposit: refers to a deposit method in which the depositor does not promise the deposit period and notifies the financial institution in advance when transferring out, with a minimum deposit limit of 1,000 yuan, and the depositor transfers out at one time or in installments.

1. China Construction Bank: The interest rate of 3-year fixed deposit in 2022 is;

2. Agricultural Bank of China: The interest rate of 3-year fixed deposits in 2022 is;

3. Bank of China: The interest rate of 3-year time deposit in 2022 is;

4. Industrial and Commercial Bank of China: The interest rate of 3-year time deposit in 2022 is;

5. Bank of Communications: The interest rate of the 3-year fixed deposit in 2022 is .

If the customer's deposit is placed in a savings card for a fixed deposit, it is usually possible to withdraw money from another place, and it can be transferred out at any service outlet of the same financial institution throughout China. This article mainly writes about the knowledge points about several ways of fixed deposit, and the content is for reference only.

1. Fixed deposit is a saving method in which depositors agree on the deposit period, deposit the principal in one or on a regular basis, and withdraw the principal or the interest of the chain in one lump sum or in installments or installments.

2. It can be divided into the following types: lump sum deposit, lump sum deposit, lump sum deposit, lump sum deposit, principal and interest, fixed and live two pences and through the shed potato deposit. The method of access varies depending on the type.

Answer]: b, d, e

Analysis] According to the different access methods, there are four types of fixed deposits: whole deposit and withdrawal, zero deposit and withdrawal, deposit and interest, and whole deposit and zero withdrawal. The principal of the whole deposit can be withdrawn in advance, not partially, and the interest will be withdrawn at the end of the term, and the interest rate is higher than that of the current deposit.

Answer: B, C, E

For item a, the minimum deposit amount for RMB lump sum deposit and withdrawal is 50 yuan; Item D or Sun, Principal and Interest Withdrawal Time Savings Deposit refers to the depositor's principal at one time, the interest is withdrawn in installments, and the principal of the syndicate is withdrawn at maturity, with a minimum deposit amount of RMB 5,000.

Answer]: A fixed deposit is a deposit with an agreed repayment period in advance, and its interest rate depends on the length of the term. According to different access methods, fixed deposits are divided into lump sum deposits, scattered deposits, lump sum deposits, and principal and interest.

Among them, the minimum deposit amount of the whole deposit is 50 yuan.

Answer]: A fixed deposit is a deposit with a pre-agreed repayment period, and its interest rate depends on the length of the term. According to different deposit and withdrawal methods, fixed deposits are divided into lump sum deposits, lump sum deposits, lump sum deposits, and principal deposits.

Among them, the minimum deposit amount of the whole deposit is 50 yuan.

Fixed Deposits are divided into:

1. Lump sum deposit and lump sum withdrawal fixed charge orange period savings include 3 months, 6 months, 1 year of elimination, 2 years, 3 years and 5 years.

2. Regular savings for lump sum deposit and lump sum withdrawal.

3. Deposit the principal and withdraw the group interest and save regularly.

There are six types of bank fixed deposits: three-month profit and loss rate, half-year profit and loss rate, one-year interest rate, two-year negative rate, three-year interest rate, and five-year interest rate.

If you want detailed contents, please read it.

1. It is an annual interest. 100,000 7 days to get interest, 14 days is yuan.

2. The interest rate for March is 100,000 yuan due to interest; Half-year interest rate, 100,000 yuan due interest 990 yuan.

3. Different banks have different ways to play smart time: for example, Everbright, her smart time is mainly to calculate the income according to the number of days of deposit when the interest rate changes, and automatically help you convert the fixed term into the deposit method with the highest interest; In Minsheng Bank, smart time refers to automatically helping you convert money that exceeds the fixed deposit amount into a fixed time, and when you want to use it, it will automatically help you turn it back to current account in a last-in-first-out order. So, you have to look at which bank provides it.

There is no set deposit amount, as long as you agree to it.

The first question is the annualized interest rate, if you only put it for 7 days and 14 days, it is not much different from the current account, the second question, three months is 430 yuan, half a year is 990 yuan, and the third question is directly consulted with the bank staff.

1. It refers to the annual interest, and the daily interest = 100,000 yuan*

Interest is calculated on an annual basis.

Multiplying the interest by your total quota is a year's worth of interest income.

Divide the interest income for one year by 360 days (the bank counts it as 360 days for one year), and multiply it by 7 days of call deposits, which is 7 days of interest.

2.Similarly. 3.Smart regularization, that is, you put a sum of money, let's say 1,000 yuan, within 10 days, to save a regular 100 yuan once a day.

So, if you want to use 100 money one day, go and get it. The bank will automatically convert the last fixed deposit into a current account for you to withdraw. That is, the last-in-first-out principle, which can ensure the annualized interest rate as much as possible.