1. Deposit interest rates: 1. Current demand: 0.35%; 2. Lump sum deposits and withdrawals: three-month interest rate is 1.1%, half-year interest rate is 1.3%, one-year interest rate is 1.5%, two-year interest rate is 2.1%, three-year interest rate

It is 2.75%; 3. Partial deposits and lump sum withdrawals, lump sum deposits and lump sum withdrawals, and deposit and interest collection: the one-year interest rate is 1.10%, and the three-year interest rate is 1.30%; 4. Fixed and fixed deposits: regular lump sum deposits within one year

40% off the interest rate of the same grade; 5. Agreement deposit: 1.15%; 6. Notice deposit: one-day interest rate is 0.8%, seven-day interest rate is 1.35%; 7. Personal housing provident fund deposit: 1.5% paid in the current year, carried forward from the previous year

1.5%.

2. The benchmark interest rates for various loans: the interest rate within one year (including one year) is 4.35%, the interest rate from one to five years (including five years) is 4.75%, and the interest rate for more than five years is 4.90%.

3. The benchmark interest rate for personal housing provident fund loans: the interest rate for five years or less (including five years) is 2.75%, and the interest rate for more than five years is 3.25%.

The interest rates of major banks are adjusted according to the base interest rate.

The above is the relevant content in the list of major bank interest rates in 2022.

The difference between large-denomination certificates of deposit and time deposits: 1. The deposit methods are different: large-denomination certificates of deposit are issued based on time limit and quota, and cannot be purchased at any time.

Time deposits can be deposited at any time; 2. The minimum deposit amounts are different: the minimum deposit amount for individual large-denomination certificates of deposit is 200,000 yuan, while the minimum deposit amount for general time deposits is very low; 3. The method of transfer out at maturity is different.

The same: after the large-denomination certificate of deposit expires, the principal and interest will automatically be transferred to the purchaser's current account.

If there is no agreement to transfer the time deposit, the interest will be calculated according to the current period after expiration; 4. The types of time limit are different: large-denomination certificates of deposit have three more time periods than ordinary time deposits: one month, nine months, and eighteen months;

5. Different interest rates: In comparison, the interest rate of large certificates of deposit is higher than the interest rate of general time deposits.

How users choose between large certificates of deposit and general time deposits depends on their individual circumstances.

If the user's money has not reached 200,000, or the user's favorite bank does not issue large-denomination certificates of deposit, you can choose ordinary fixed term.

What does the reduction in deposit interest rates mean? The reduction in deposit interest rates means that the income generated by the money deposited by users into the bank will decrease. Users will reduce their deposits in the bank. At the same time, the loan interest rate will also decrease with the reduction in deposit interest rates. The cost for users to borrow from the bank

Reduce and, to a certain extent, increase bank capital outflows.

When deposit interest rates are reduced, users can increase their income by purchasing some financial products: 1. Fixed investment funds: Fixed investment funds refer to investing a fixed amount in a specified open-end fund during a fixed period of time. Users can

When bank deposit interest rates are reduced, you can choose to invest in some funds every month to gain income over time; 2. Subscription for convertible bonds: Convertible bonds are a type of bond issued by listed companies to raise funds from the society, and include stocks and bonds.

Two-way characteristics, for some relatively stable users, they can subscribe for some convertible bonds, whose profitability is relatively generous, most of which hover around 10%; 3. Stocks: Although stocks are relatively risky, their profitability is also relatively high.

Large, when deposit interest rates are reduced, users can choose to buy some blue chip stocks and white horse stocks. In the long run, their yields are still relatively generous, and to a certain extent, they can maintain and increase the value of funds.

This article mainly writes about the knowledge points related to the 2022 major bank interest rate schedule. The content is for reference only.