Principal and interest deposit is a time deposit product with both profitability and liquidity. The customer deposits the principal in the bank at one time, and then draws interest every month. When the principal expires, the bank will return the principal to the customer. If the principal is withdrawn in advance during the deposit period, the interest will be calculated according to the deposit interest rate corresponding to the actual deposit period of the principal, and the interest previously withdrawn will be recovered every month.

Features of deposit and withdrawal business:

1, lock in future earnings in advance, and don't worry about cutting interest rates. Get a "salary" once a month and get the principal at maturity. Daily consumption and long-term savings are correct.

2. It is safe enough. To some extent, it can be used as a substitute for annuity insurance, dividend-paying life insurance, children's insurance and pension and education trust funds. At present, the minimum guaranteed interest rate of annuity insurance is around 3%. The five-year deposit rate is 4.8%, and the income is more stable and reliable.

3, high income, comparable to wealth management products. The income of most guaranteed wealth management products is 3%-4.5%, while the deposit interest can reach 4.8%. In addition, this product can be withdrawn flexibly, unlike wealth management products, which can only receive principal and income when they expire, and can realize wealth management and savings.

4, more flexible, if there is an urgent need, take it if you want. General deposit interest can be withdrawn in advance, and interest can only be calculated according to current demand. However, the deposit interest of Jinzhou Bank can be calculated by file, and the income is flexible.