2. term lump-sum deposit and withdrawal: the interest rate is three months 1.35%, six months 1.56%, 1 year 1.78%, 2.25% for two years, 2.75% for three years and 2.75% for five years.

3. installment withdrawal, lump-sum withdrawal, deposit withdrawal: 1, 1.35%, 3-year, 1.56%, 5-year,1.56%;

4. Fixed job and two conveniences: enjoy a one-time discount of 60% interest rate of the same grade within one year;

5. Agreement deposit: interest rate1%;

6. Notice deposit: 1 day interest rate 0.55%, 7-day interest rate 1. 1%.

Second, the loan interest rate:

1. Short-term loans: 4.35% within six months (including six months) and 4.35% from six months to one year (including one year);

2. Medium and long-term loans: 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for more than five years;

3. Housing provident fund loans: 2.75% for less than five years (including five years) and 3.25% for more than five years.

The above is the latest interest rate related content of China Postal Savings Bank's interest rate table in 2022.

What does it mean to lower the deposit interest rate?

China Postal Savings Bank interest rate table 2022 latest interest rate, deposit and loan interest rate list.

The reduction of deposit interest rate means that users have money in the bank, which leads to the reduction of profits. At the same time, the loan interest rate will also decrease with the decrease of deposit interest rate, and the cost of users' loans from banks will be reduced, which will accelerate the bank's capital discharge to some extent. When the deposit interest rate decreases, users can increase their income by purchasing some wealth management products:

1. Fixed investment fund: Fixed investment refers to investing a fixed amount in a specific open-end fund within a fixed time range. When the interest rate of bank deposits decreases, users can choose to invest in some stock funds every month to make a profit;

2. Subscribe for convertible bonds: convertible bonds are bonds issued by listed companies in order to better finance the society. They have two characteristics of stocks and bonds. For steady users, you can subscribe for some convertible bonds, and the income is relatively rich, mostly around 10%;

3. Stocks: Although stocks are risky, their profitability is relatively high. When the deposit interest rate decreases, users can choose to buy some blue-chip stocks and white-horse stocks. In the long run, their yields are very rich, which can increase the value of the fund to a certain extent.

The difference between three-year time deposit and five-year time deposit

China Postal Savings Bank interest rate table 2022 latest interest rate, deposit and loan interest rate list.

1, the deposit period and rollover period are different: the three-year period is short, and the three-year fixed rollover will last only six years, while the five-year fixed rollover will last ten years;

2. The coordination ability of funds is different: three-year fixed deposit is more convenient than five-year fixed deposit because the deposit period is shorter;

3. Different risk levels: The hidden danger here is not the risk of a specified period, but the risk of users withdrawing cash in advance. If the user moves out early, the interest lost in three years will be less than that lost in five years.