What is the interest on saving 60,000 yuan to the bank for one year?

Different bank deposit interest rates are different, but they are all above the central bank's benchmark interest rate, taking ICBC deposits as an example, the specific analysis is as follows:

The interest rate of ICBC demand deposit is, then the interest of 60,000 yuan for 1 year is 60,000 * 1 * yuan.

ICBC fixed deposits are divided into three deposit methods: 1. Lump sum deposit and lump sum withdrawal; 2. Deposit and withdrawal, deposit and withdrawal, and deposit and interest; 3. Set up two pennies.

1. Whole deposit. The interest rate for one year is, then the interest of saving 60,000 yuan for one year is 60,000 * 1 * yuan.

2. Deposit and withdrawal, deposit and withdrawal, and deposit and interest; The interest rate for one year is, then the interest of saving 60,000 yuan for one year is 60,000 * 1 * yuan.

3. Set up two pennies. 6% discount at the same grade interest rate for regular deposits within one year.

The actual execution interest rate of each bank will fluctuate, please refer to the actual transaction interest rate.

Now the highest interest rate you can find in a bank for a year is probably 10,225 yuan, which is estimated to be no higher than this, and many big banks may not be able to reach this number, so you can save 60,000 yuan a year for 1,350 yuan, you can save for two years, and two years will be a little higher. Of course, there are also those who recommend financial management, which is to take a longer time and the interest rate is relatively high, but I personally do not want to save financial products.

The one-year annual interest rate of bank fixed deposits is about 2%, so that the interest of 60,000 yuan for one year should be:

60000 2% 1200 (yuan).

60,000 yuan is deposited in the bank for one year, and the interest is about 1,200. Hope it helps.

At present, the interest rate of bank fixed deposits should be 10,000 yuan a year, and the interest rate should be 1050 yuan a year

The 6w block can give you a float, up to 2% annualized interest, 60,000* interest.

Deposit 60,000 yuan to the bank for a year, and the interest will be different from bank to bank, and there will probably be.

What is the interest on saving 60,000 yuan to the bank for one year?

60,000* if calculated at the bank's annual interest rate for one year

1350 (yuan).

Deposit 60,000 to the bank for one year, and the interest is:1260 yuan

Interest calculation: 60000 1

The one-year tenor interest seems to be an annual interest.

If you choose to deposit in ICBC, then according to the five-year interest rate of the whole deposit, the interest after saving 60,000 yuan for one year is 60,000*yuan.

ICBC: Current Interest Rate. Among them, the interest rates for three months, half a year, one year, two years, three years, and five years are respectively. The interest rates for one-year, three-year, and five-year interest rates are respectively for the lump sum deposit, lump sum deposit, and principal deposit and interest withdrawal.

The fixed and active convenience rates are discounted by 6% at the interest rate of the same grade for regular lump sum deposits within one year. The agreed deposit interest rate is 1%. For call deposits, the one-day and seven-day interest rates are:

In fact, the BOC's listed interest rate will be slightly higher than the official website interest rate. And the listed interest rate may be different in different cities.

The interest calculation formula is mainly divided into the following four situations:

First, the basic formula for calculating interest, the basic formula for calculating interest on savings deposits is: interest = principal tenor interest rate;

Second, the conversion of interest rates, in which the conversion relationship between annual interest rate, monthly interest rate and 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), in addition, the use of interest rate should be consistent with the deposit period;

Third, the starting point of interest calculation in the interest calculation formula, 1. The starting point of interest calculation of savings deposits is yuan, and no interest is calculated for the dime cents below yuan;2. The interest amount is calculated to the cent, and the centim is rounded to the centim when the actual payment is made3. Except for the annual settlement of current savings, which can transfer the interest to the principal to earn interest, all other kinds of savings deposits, regardless of the deposit period, will be paid off with the principal at the time of withdrawal, without compound interest

Fourth, the calculation of the deposit period in the interest calculation formula, 1. The calculation of the deposit period adopts the method of calculating the beginning and not the tail;2. Regardless of the big month, small month, ordinary month, leap month, each month is calculated according to 30 days, and the whole year is calculated according to 360 days 3. The maturity date of various deposits is calculated according to the year to the month and the day, if the account opening date is the missing date of the maturity month, the end of the maturity month is the maturity date.

1. Fixed deposits.

The interest rate of fixed deposits of various banks is ;One-year interest rate, two-year interest rate, three-five-year interest rate, some commercial banks, joint-stock banks interest rate is relatively high, 5-year interest rate can reach, time deposit threshold is low, as long as 50 yuan, low risk, the principal is guaranteed. According to the annual interest rate, the estimated interest income of 60,000 yuan for 5 years is 9,600 yuan, with an average of 1,920 yuan per year.

2. Private smart deposits.

Smart deposit is a product issued by commercial banks, through cooperation with the Internet financial platform, to achieve the demand for savings, the minimum deposit threshold is 50 yuan, which is much higher than the ordinary deposit interest rate, and the one-year interest rate can reach up to 5%, such as the smart deposit deposit on the xx platform, the one-year deposit interest rate can be up to, low risk, and the principal and interest are guaranteed. If you deposit into the product with an annual interest rate, the estimated income after the maturity of 60,000 yuan is 2,700 yuan * 5 years, and the total income of 5 years is 13,500 yuan.

Extended Materials. Deposit interest calculation.

Unlike other deposits, interest on demand deposits is calculated on the basis of the corresponding month of the deposit date, where interest is calculated on the 30th of each month and 360 days of each year. For example:

Deposit on January 1, the number of days to calculate interest on February 1 is 30 days, interest = principal * current deposit interest rate 30 360

Deposited on January 15, the number of days for calculating interest on February 18 is 33 days, interest = principal * demand deposit interest rate 33 360

Deposited on January 15, the number of days to calculate interest on February 10 is 25 days, interest = principal * current deposit interest rate 25 360

At the same time, unlike other deposits, the interest is calculated according to the interest rate level on the date of withdrawal, and the interest on demand deposits is adjusted in a timely manner with the adjustment of the central bank's interest rate.

Type of deposit. Corporate Deposits. This is the temporary idle monetary funds generated by state-owned enterprises, supply and marketing cooperatives and collective industrial enterprises due to the inconsistency between the sales income and the time of various expenditures, and also includes the various special funds that have been withdrawn and not used by the enterprises, the most important of which is the depreciation of fixed assets**, and also includes the retention of profits. 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.

Fiscal deposits. Banks ** state treasury, all financial receipts and expenditures must be handled through banks (see state treasury system). Fiscal revenues and expenditures are often inconsistent in time, and in the case of collecting first and spending later, the temporarily unused funds form fiscal deposits.

Capital Deposits: Deposits formed by funds used for capital construction that have not yet been expended.

Deposits of organs, organizations, and troops. It is a deposit formed by the above-mentioned units receiving unused funds from the financial pool.

Rural deposits. More than 90 percent of the deposits in banks of collective agriculture, township enterprises, and rural credit cooperatives are deposits.

At present, the annual interest rate for a fixed period of five years is, and the interest rate for a fixed deposit of 60,000 yuan in the bank for a fixed period of five years is:

Interest = Principal * Annual Interest Rate * Deposit Term = 60,000 * RMB.

This is not important, the important thing is that after 5 years, you will not even be able to buy something that was 50,000 yuan 5 years ago with interest! Got it!

$60,000 for a one-year fixed deposit, with an interest of about $900 at maturity. According to the current deposit interest rate of Bank of China, the interest rate of a one-year fixed deposit is about, therefore, the interest rate of 60,000 yuan is about 60,000 yuan after maturity.

Of course, the actual deposit interest rate of each bank will be different, and the interest will be calculated according to the interest rate given by the bank.

Extended Information: Calculating Interest on Deposits:

The most basic calculation method of deposit interest is: deposit interest = deposit amount deposit period expected annualized interest rate. For example, if the investor deposits 100,000 yuan, the interest on the fixed deposit will be 1,500 yuan after one year.

The interest rate on bank deposits will change with the country's monetary policy, for example, when the country raises interest rates, the deposit interest rate may increase, and when the interest rate is reduced, the deposit interest rate will be lowered. In addition, the longer the deposit period, the higher the return. At this stage, the deposit rate is usually:

The interest rate of demand deposit is: the interest rate of fixed deposit is usually as follows:

The three-month interest rate is:;

The semi-annual interest rate is:;

The one-year interest rate is:;

The two-year interest rate is;

The three-year interest rate is:

The interest rate is for reference only, and it should be subject to the bank's actual interest rate, some banks may raise the interest rate of large certificates of deposit in order to attract savings, so the interest rate of large certificates of deposit is higher than that of general time deposits.

Calculation of the income of large certificates of deposit:

Income of large certificates of deposit = principal * interest rate * term, for example, a bank has a minimum deposit of 200,000 yuan for a large certificate of deposit, and the annualized return of the deposit period is 2 years, then it can be calculated: 200,000 * yuan.

Large-amount certificates of deposit is a type of time deposit, compared with ordinary time deposits, the starting point of investment is higher, the interest rate is also high, the interest rate of large-amount certificates of deposit is based on the benchmark interest rate of the People's Bank of China, the interest rate is different for each period, according to the investment period and the interest rate of the minimum investment amount are different, investors can consult at bank outlets, or log on to the mobile banking of various banks to inquire.

Calculation formula of annual interest rate of bank wealth management:

Annualized rate of return = (income principal) (investment days 365 days) * 100%, the annualized rate of return refers to the conversion of the rate of return obtained during the period of wealth management into an adult rate of return.

If the annualized rate of return is informed in advance, then the investor's return = principal * wealth management period * annualized rate of return of wealth management. The rate of return does not need to be manually calculated by investors.

The annual interest rate of a fixed term for one year is 60,000 yuan for one year: 60,000 * yuan.

The interest calculation formula is mainly divided into the following cases.

First, the basic formula for calculating interest, the basic formula for calculating interest on savings deposits is: interest = principal tenor interest rate;

Second, the conversion of interest rates, in which the conversion relationship between annual interest rate, monthly interest rate, and 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), in addition, the use of interest rate should be consistent with the deposit period;

Extended Materials. 1. Provisions on the calculation of interest.

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.

Second, the formula for calculating interest: principal annual interest rate (percentage) deposit period.

If interest tax is charged then (1-5%)

Total principal and interest = principal + interest.

The formula for calculating accrued interest is: Accrued Interest = Principal Interest Rate Time.

The 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.

3. Fixed deposits.

Interest shall be calculated and paid according to the deposit interest rate on the date of opening the certificate of deposit for withdrawal at maturity, and interest shall be calculated according to the interest rate of the current savings deposit on the date of withdrawal for early withdrawal. You can apply for a small pledge loan with your own fixed deposit certificate.

For unexpired fixed savings deposits, depositors must present the certificate of deposit and the depositor's identity certificate for early withdrawal; If the withdrawal is made on behalf of the depositor, the withdrawer must also hold his identity certificate, and the interest rate shall be calculated and paid according to the current savings deposit interest rate announced on the withdrawal date, and the withdrawer shall also sign the name of the withdrawer on the payment voucher.

For unexpired fixed savings deposits, depositors can withdraw part of them in advance as needed, and the verification procedures remain unchanged, and the interest rate for early withdrawal shall be settled according to the current savings deposit interest rate announced on the withdrawal date, and the retained part shall be settled and paid at the maturity of the original deposit date and the original interest rate. If a lump sum deposit and lump sum fixed savings can only be partially withdrawn once, and if a partial early withdrawal has been made, the savings institution shall indicate the words "partial early withdrawal" on the deposit receipts that have been paid and the newly opened deposit receipts for the retained part. (After March 1, 2011, lump sum deposits and withdrawals with CCB, regardless of whether they were previously deposited or subsequently deposited, can be partially withdrawn an unlimited number of times, and there is no longer a limit to one withdrawal.) ）