Interest-bearing rules for national debt:
1. Voucher bonds:
① Interest shall be calculated from the date of purchase, and the principal and interest shall be repaid once due, excluding compound interest and overdue interest;
(2) Early withdrawal: interest is calculated by installments: if it is held for less than half a year from the date of purchase, no interest will be paid; If it is held for less than half a year 1 year, the interest will be calculated at XX%; If it is more than 1 year and less than 2 years, the interest shall be calculated at XX%; Interest shall be calculated at XX% for more than 2 years and less than 3 years; If it is held for 5 years, if it is held for 3 years but less than 4 years, the interest will be calculated at XX%; If it is more than 4 years but less than 5 years, the interest will be calculated at XX%.
2. Electronic government bonds:
(1) Interest shall be calculated from the first day of issuance, with annual interest, repayment of principal at maturity, and the last interest;
② Withdraw in advance: deduct the interest for a certain number of days: if it is held for less than 6 months from the last interest payment date, it will be withdrawn in advance without interest payment; If it has been held for more than 6 months but less than 24 months, it will bear interest according to coupon rate, deducting 180 days; If it has been held for 24 months but less than 36 months, the interest will be calculated according to coupon rate, and it will be deducted for 90 days; If the holding period is 5 years, the interest will be calculated according to coupon rate for more than 36 months and less than 60 months, and the interest will be deducted for 60 days.
Voucher bonds and electronic bonds only pay interest in different ways, but the interest earned is the same.
You can log in to Ping An Pocket Bank-Investment and Wealth Management-Wealth Management-National Debt for details.
Response time: 2021-11-15. Please refer to the latest business changes announced by Ping An Bank in official website.