Generally speaking, regardless of the nature of the bank, depositing money in the bank has the characteristics of high security and strong capital preservation ability. Because of the high anti-risk ability of banks, they often have strong security for bank deposits, which is very suitable for users who attach great importance to safety and capital preservation. But the disadvantage is that compared with other investment and wealth management products, the income of bank deposits is low. Take the money fund as an example. Usually, the annual interest rate of money funds is above 2%, and some good money funds can have an annual interest rate of more than 3%, which is even more flexible than bank time deposits. You can withdraw money on the same day. Therefore, many people will also use the money fund as a way to store daily change.
As for other investment and wealth management products, their yields are often higher, such as funds, stocks, precious metals investment and futures trading. However, compared with bank deposits, the way these funds are deposited is more risky, and people who are not familiar with wealth management products can easily lose their principal. Therefore, it is not recommended for wealth management users to transfer the money deposited in the bank to other wealth management products. Bank deposit requires users to have a bank deposit account in advance. After having a bank deposit account, they can handle bank deposits through counters, networked computers and mobile apps. The operation process is relatively simple, and it is really unclear how to deal with it. You can go to the bank savings outlets on weekdays to inform the service staff of the outlets, and the service staff will handle it for you.
Answer on 2021-10-18.
Agree 7
How much is the financial interest of 10 thousand yuan a month? Small amount and full amount, flexible loan repayment, and transparent interest expenses. Yes 12. Pay it back in installments.
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What is the financial interest of 10 thousand yuan a month? The amount can be as high as 200 thousand yuan. You can apply online using your identity information. Subject to the actual examination and approval results, the source of funds: Chongqing Duxiaoman Microfinance Co., Ltd. and cooperative financial institutions.
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What is the fixed annual interest rate for a deposit of 30,000 yuan?
The annual interest rate of a deposit of 30,000 yuan is about 1.75 to 2.0, so if you deposit 30,000 yuan a year, the highest interest rate is only around 600 yuan.
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The answer? 2022-05-23
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What is the annual interest rate of 30 thousand in the bank?
1. demand deposit: if the deposit interest rate of demand deposit is 0.3%, the deposit is 30,000 yuan, and the one-year interest is 30,000 * 0.3% *1= 90 yuan. 2. lump sum deposit and withdrawal (time deposit): If the one-year deposit interest rate is 1.75%, the deposit is 30,000 yuan, and the one-year deposit interest is 30,000 *1= 525 yuan. 3. Installment deposit, installment deposit and withdrawal, principal and interest deposit (time deposit): If the one-year deposit interest rate is 1.35%, the deposit is 30,000 yuan, and the one-year deposit interest is 30,000 *1= 405 yuan. 4. Time deposit (fixed deposit): 60% discount at the same interest rate for fixed deposit and withdrawal within one year. How to buy bank certificates of deposit: certificates of deposit are bank deposit products, and investors need to buy them through bank channels. Most banks have supported banks to handle large deposit certificates at counters, mobile banking and online banking. Taking China Construction Bank as an example, the purchase path of mobile banking is: login to China Mobile Construction Bank-investment and wealth management-all investments-deposit products-certificates of deposit. However, some banks also require signing at the counter for the first time. To handle the bank counter, you only need to bring your personal ID card to the outlet and handle it under the guidance of the outlet staff. Can I buy a large deposit certificate every day? Unlike time deposits, time certificates of deposit are issued on schedule, and the amount of each issue is limited. Because investors are more enthusiastic about buying certificates of deposit, some banks will have insufficient certificates of deposit and can't buy them every day. In particular, large banks with strong energy absorption and storage capacity have insufficient incentive to issue large deposit certificates and small issuance quotas. However, most banks issue certificates of deposit. In addition to the four major state-owned banks and joint-stock banks, small and medium-sized banks such as rural commercial banks and city commercial banks also issue certificates of deposit, and the deposit interest rate is higher than that of large banks. Therefore, investors can choose several banks for comparison and basically buy them. It is worth noting that the principal cannot be withdrawn in advance in the early period of monthly interest payment. If the depositor wants to withdraw the principal in advance, the bank will reduce your deposit interest rate to the current interest, and then deduct the previous monthly interest from the remaining principal. This will cause great losses to depositors. Of course, if depositors choose to pay interest on a monthly basis, the interest they get will definitely not be as high as the one-time repayment of principal and interest at maturity. In these aspects, depositors must consider clearly. Judging from the current situation, most depositors like to deposit their money in small and medium-sized banks, because the interest rate of large deposit certificates in small and medium-sized banks is relatively high, and they are also wary of the high interest rate of large deposit certificates issued by rural banks and private banks. In fact, the deposit certificate is also protected by the deposit insurance system, and it is safe within 500,000 yuan. If it exceeds 500,000, it can be dispersed in several banks with little risk. Of course, many depositors are now waiting to see what "innovative" high-interest deposit products small and medium-sized banks will launch.