You can buy stocks and funds with 10,000 yuan, or you can deposit it in a bank. Relatively speaking, the risk of a bank is lower. So, how much is the annual income from putting 10,000 yuan in a bank?

How much interest does it cost to lend RMB 10,000 to the bank in one year?

Below we have prepared relevant content for your reference.

Different types of deposits sometimes have different interest rates: if a user deposits 10,000 yuan in demand deposits for three years, the interest rate is 0.3%, and the interest earned is 10,000 × 0.3% × 1 = 30 yuan.

Time deposits. Time deposits of different banks have different interest rates, which are subject to the interest rates published by the bank. For example, if the interest rate of a one-year time deposit of a bank is 1.65%, then the interest that a depositor can obtain for 10,000 yuan = 10,000 × 1.65

%×1=165 yuan.

It should be noted that if a depositor withdraws his time deposit in advance, the income will be calculated based on the current interest rate on the withdrawal date.

For example, if a depositor deposits 10,000 yuan in a bank for one year with an interest rate of 1.65%, the interest after maturity = 10,000 × 1.65% × 1 = 165 yuan. If the deposit is withdrawn early after half a year, the interest will be calculated according to the current interest rate.

The interest = 10000 × 0.3% × 1/2 = 15 yuan.

Therefore, when depositing time deposits, depositors should also choose time deposits with a suitable period based on the time of their idle funds. After depositing, they should try to hold them until maturity. At the same time, there are also the following methods to deposit time deposits: 1. Twelve certificates of deposit

It is a savings and investment strategy that deposits a deposit into the bank every month on a regular basis for one year and persists for a full twelve months. Starting from the first month of the next year, you will get a lot of regular income every month.

2. Four-point savings method The four-point savings method is to divide the funds to be saved into four parts, the ratios are 1:2:3:4. For example, divide 10,000 into four parts: 1,000, 2,000, 3,000, and 4,000.

Equally divided, this is a more suitable storage method for savers who are not sure when to use it and how much to use at one time, but have liquidity needs. That is, within the storage period, if investors want to withdraw in advance, they can withdraw according to their own needs.

You can just withdraw part of it, and you don't need to convert all of it into current deposits, which reduces a large part of the loss.