1, domestic cash withdrawal
Peer cash withdrawal: 5000*0.0 1=50
Inter-bank cash withdrawal: 5000*0.0 1+2=52
2. Withdraw cash from overseas
5000*0.0 1=50
Two, China Postal Savings Bank credit card charges are as follows:
Annual fee: 65438 yuan +025 yuan/year for the main gold card and 60 yuan/year for the supplementary card; Puka is free of annual fees for life.
Minimum repayment ratio: 10%
To recover the overpaid handling fee: 0.5% of the domestic transaction amount, with a minimum of 10 yuan, and 2 yuan handling fee will be charged across banks. Overseas, 0.5% of the transaction amount, the lowest is 20 yuan.
Withdrawal fee: 1% of the domestic transaction amount, with a minimum of 10 yuan; Inter-bank charge 2 yuan. Overseas, the transaction amount 1%, the lowest in 20 yuan.
definition
Time deposit refers to a form of savings in which depositors deposit cash in a time deposit account opened in a banking institution, and agree in advance to deposit it for a fixed period of time, and get a return at a higher interest than the current deposit, and receive principal and interest after the expiration.
Time deposit is the currency or currency that the depositor temporarily transfers the right to use to the bank while retaining the ownership, and it is the most important source of credit funds for the bank.
Note: If the depositor withdraws the time deposit before the agreed deposit term expires, the bank will usually treat this business as a demand deposit. Before depositors need to collect large deposits, they often need to inform the bank one day in advance and apply for an appointment to withdraw money in case the bank prepares enough cash to pay.
related notion
1. Document:
There are usually two kinds of certificates for time deposits: "time deposit certificate" and "time passbook"
2. Type:
Generally, it is divided into three months, six months, one year and three years according to the storage period.
3. Interest rate:
The interest rate of time deposit refers to the rate of return that banks pay to depositors for time deposits.
4. Extraction method:
① Full withdrawal at maturity, and one-time settlement of principal and interest at the specified interest rate;
② Full withdrawal in advance, and the bank pays interest according to the deposit rate listed on the withdrawal date;
(3) part of the withdrawal in advance, the withdrawal part is calculated according to the current period, and the rest is still regular.
Usually, the interest rate of time deposits varies according to the number of years.
The interest rate of bank deposits is not adjusted every year, but the state adjusts it at any time according to the economic operation. China Industrial and Commercial Bank, China Construction Bank, China Bank, Agricultural Bank, Bank of Communications and other domestic banks have the same time deposit interest rates, which are uniformly stipulated by the People's Bank of China.
Interest calculation
Interest rates are divided into simple interest rates and compound interest rates:
Interest I=P*i*n, where I stands for interest, I stands for interest rate and n stands for deposit period. China adopts a simple interest calculation method.
① Simple interest method.
Interest = principal × interest rate × term.
② Compound interest method
(Used to calculate interest during automatic renewal)
F=P×( 1+i)N (power)
F: compound interest final value.
P: the headmaster.
I: interest rate.
N: an integer multiple of the interest rate acquisition time.