At present, the one-year interest rate is 3.0%, and now the interest tax has been abolished. So if you save 10,000 yuan for one year, the interest is 10000*3.0%=300.

1. What is a dead deposit?

Dead deposit is also a time deposit, which is a deposit in which the bank and the depositor agree on the term and interest rate in advance and withdraw the principal and interest after maturity. It has the characteristics of minimum deposit period of 3 months, maximum deposit period of 5 years, wide choice and stable interest income.

2. What is a time deposit?

1. Time deposit means that after you deposit money in one lump sum, you must withdraw money at a specified time to get the specified interest on time deposit. If you withdraw money before maturity, it will be calculated according to the current interest. There are usually six months, one year, two years, three years and so on.

2. Within a certain period of time, depositors can withdraw their deposits by certificates of deposit or in an agreed way.

3. Time deposit: according to the term, it is divided into one month, three months, six months, nine months or one to three years, with different interest rates.

Generally speaking, the longer the term, the higher the interest rate, but if you cancel the contract halfway, the interest will be gone.

5. Time deposit: Only natural persons can open an account, and the interest is higher than that of time deposit, which can be divided into one year, two years and three years.

6. According to the deposit method, it can be divided into:

1. lump sum deposit and withdrawal: depositors deposit a fixed amount at regular intervals and get back the principal and interest in one lump sum after the agreed period expires.

2. Lump-sum deposit and withdrawal: all the money is deposited at one time, and the principal and interest can be withdrawn after maturity, and the interest is higher according to compound interest.

3. lump sum deposit and zero payment: deposit a considerable amount at one time, and receive the principal and interest monthly after one month.

4. Deposit principal and interest: deposit a considerable amount at one time and receive interest every month (calculated by simple interest). You can withdraw the principal and the last interest at maturity.

3. What is a foreign currency time deposit?

Foreign currency time deposit is based on foreign currency, just like Taiwan dollar, it is agreed that foreign currency will be kept in the bank for a period of time and will not be retrieved before maturity. The interest rate of foreign currency time deposits varies from currency to currency, and is usually linked to the interest rate of foreign currency countries. Just like time deposits in Taiwan dollars, banks will also give certificates of deposit (some of which are registered on the back of the passbook) to collect principal and interest at maturity. If you already have a foreign currency account, you can deposit it directly. If not, you can also change Taiwan dollars into foreign currency first, and then change the foreign currency into Taiwan dollars at the time of exchange, so there will be an exchange rate difference between the converted currencies.