On that day, when the words "on september 6th, the interest rate adjustment of the bank deposits in business and industry" were written, i realized that one thought came out: "oh, it's over
As a result, the latest situation has been turned around, starting with a key message:
As of today, there is no new notice from the chamber of commerce stating “a flat down/upgraded deposit rate effective 6 september”, and who would tell you that “the most recent flat rate up to 7 per cent per annum and 12 per cent per annum” would be more or less possible for you to transfer directly, an interest rate that does not exist in regular bank deposits, especially in the case of state-owned businesses。
But then again, it is true that interest rates are moving downwards in both years, which is a significant trend. Then the real question is:
I've got $200,000, i've got a three-year job, i've got a three-year job, or i've got a firm product that his family can buy, and how much interest can i get for three years? Is it worth it
Today i'm going to split up the account from the perspective of a “general depositor” and i'm going to count it down to you。
You can read the draft against your own savings scheme。
Look at the background。
The bank's latest six-monthly report, with a net profit of 17. 37 billion and an operating income of 46. 5 billion in the first half of the year, increased by 9. 08 per cent and a net profit of 3. 32 per cent over the same period。
What do you mean
One thing: people live well, they make a lot of money, and the fear of “can't one day suddenly fall” is basically set aside. As far as safety is concerned, the word “freedom” is used, in particular for a number of older depositors。
It's the safe part that counts interest。
Let's start with the lowest interest rates。
Assuming a full release period of 200,000, the interest rate is only 0. 05 per cent, which will remain unchanged for three years:
200,000 x 0. 05 per cent x 3 years = 300 yuan
Three years down, 300 more。
On average, $100 a year and less than $10 a month. Think about it, it's basically like, "put two boxes of rice in the safe."。
It is also understandable why everyone now prefers to turn it into a “transit parking lot” and to put it on a long-term basis, when it comes to their own money。
Then look at the ordinary term。
Much is said to be different now because interest rates fluctuate slightly depending on the point of time, region, network, and amount. But let's look at the set of interest rates that we've given you, and we'll figure out where you'll be able to get 200 grand in three years。
This is how the regular data set is calculated:
1) 3 months at 0. 65% interest rate
Assuming you roll every three months, three consecutive years:
200,000 x 0. 65 x 3 = $39,000
2) six-month rate of 0. 85%
200,000 x 0. 85% x 3 = $5100
3. One-year rate of 0. 95 per cent
200,000 x 0. 95 per cent x 3 = $5,700
4) 1. 05 per cent interest rate for the biennium
It is four years for two years to be saved, and here it is three years for four years:
200,000 x 1. 05 per cent x 4 = $8,400
Three years = 8,400 ÷ 4 x 3 = $6,300
5) 3-year 1. 25% interest rate
A lock for three years:
200,000 x 1. 25% x 3 = $7,500
6) 1. 3% interest rate over five years
Total interest for five years:
200,000 x 1. 3% x 5 = 13,000 yuan
Three years = 13,000 ÷ 5 x 3 = 7,800 yen
You look down and you find a pattern:
The interest rate is low to high, probably
300 < short-term (thousands) < three and five years (78,000)。
It's also a three-year perspective, where the gap has been drawn from hundreds to seven or eight thousand, and it's more in the middle of it than whether you've moved and chosen a more appropriate way。
Most of the questions are: "what's the difference
In this set of numbers, let's count three more years。
Starting point: the large bill of deposit threshold is 200,000, which is a custom-made product for a level like yours。
1) january/march, large bill of deposit at 0. 9% interest rate
200,000 x 0. 9% x 3 = $5,400
2) six months at 1. 1% interest rate
200,000 x 1. 1% x 3 = $6,600
3) 1. 2% interest rate in one year/biennium
200,000 x 1. 2% x 3 = $7200
4) three-year 1. 55% interest rate
200,000 x 1. 55 per cent x 3 = $9300
5) for five years, 1. 6% interest rate
200,000 x 1. 6% x 5 = 16,000 yuan
3 years = 16000 ÷ 5 x 3 = 9,600
You see, this circle is calculated, in three years:
Regular three-year deposit: $7,500
Large three-year bill: $9,300
Five-year large conversion of three years: $9,600
The difference is around the $2,000。
The same thing about locking up money for three years, choosing whether it's a regular or a large deposit sheet, is like asking you:
"would you like to ask the clerk or the mobile bank two times more for 2,000 more interest?"
Note that there is a limit to the size of the large bill, which is really a “fault point”. If you want to buy it, ask the client manager in advance: "is there a limit? When's the new batch going up?"
If you look up, the national debt's coming up。
It's about the savings state debt, and the comptoir is one of the vendors that can buy it through it。
Current reference rate given:
Three-year savings state debt: 1. 63 per cent annual interest rate
200,000 x 1. 63% x 3 = $9780
Five-year savings national debt: 1. 7 per cent annual interest rate
200,000 x 1. 7 per cent x 3 = 10200 yuan
You compare:
Large three-year bill: $9,300
Five-year substantial discount: $9,600
Three-year national debt: $9780
Five-year debt service: $10,200
The whole of the national debt is half-higher than the interest rate on deposits and has a high security level, which many consider to be an “advanced periodic”。
But there was a hard wound: not necessarily bought。
The seven or eight distributions a year were limited and the hot spots were really “second light”. You want to buy the national debt, you gotta get it right:
The first is to look at the ministry of finance bulletin and the bank's own bulletin and see the specific issue date
The second is that the money was set up early that day, and the money was taken as soon as it opened
The third is not buying and not getting paid for by fraudulent text messages。
I've got an old lady crouching around on the state debt, and i didn't get it, and i've been fooled by a very high-interested “bankhouse” and stopped by the kids at home. There are plenty of these now。
Let's just say one more word of reality。
You may also find that there are online “posts” that say, “200,000 workers have 7% interest per year, 12% interest per year” and even add the word “internal interest rate” to the “update policy of the business”, which is all plunging on the red line of regulation, and that normal bank deposit rates cannot reach that level。
As long as:
It says "deposit."
It's another national name
The interest rate goes up to 7% and 10%
And remember: that is not to give you interest, that is to think of your principal。
The formal products that are now visible in the industry are basically the fine-tuning that you saw in the first place, even on a preferential basis, of the second decimal point, and it is impossible to overturn the whole world view of interest rates。
Talk about the first questions:
"now that interest rates are falling, what am i supposed to do? How much interest is reasonable for a two-million savings business for three years?"
Based on the current reference data, it is roughly this gradient:
If you're lazy, you're saving it for three years
If you keep an eye on the bill, it'll be over 9,000 in three years
If you have time to rob the country's debt, three years will be close to 10,000, and three years of five-year commutation will be up to 10,000
The sum of seven thousand to ten thousand dollars in the middle is actually "message" and "movement."。
For most ordinary families, it is true that the money is “stable”. So, if you want to do more and get yourself paid more, it depends on your habits。
That's what i'm writing。
How do you choose? More flexible, or more interest
It's interesting to talk about the way your parents save their money。
