1, current account: 0.35%;

2. lump sum deposit and withdrawal: three-month interest rate 1. 1%, semi-annual interest rate 1.3%, annual interest rate 1.5%, annual interest rate 2. 1% and annual interest rate 2.75%;

3. installment withdrawal, installment withdrawal and deposit withdrawal: the annual interest rate is 1. 10%, and the annual interest rate is1.30%;

4. Two conveniences of fixed work: 40% discount on the interest rate of the same grade on a regular basis within one year;

5. Agreement deposit:1.15%;

6. Notice deposit: one-day interest rate is 0.8%, and seven-day interest rate is1.35%;

7. Individual housing provident fund deposit: 1.5% in the current year and 1.5% carried forward from the previous year.

2. Benchmark interest rates of various loans: within one year (including one year), the interest rate is 4 .35%, for one to five years (including five years), the interest rate is 4.75%, and for more than five years, the interest rate is 4.90%.

3. Benchmark interest rate of individual housing provident fund loan: 2 .75% for less than five years (including five years) and 3.25% for more than five years.

The above is the benchmark interest rate of banks in 2022.

What does it mean to lower the deposit interest rate?

The reduction of deposit interest rate means that the income generated by users' money in the bank will be reduced, and users' deposits in the bank will also be reduced. At the same time, the loan interest rate will also be lowered with the reduction of the deposit interest rate, and the bank's loan cost will be reduced, which will increase the bank's capital outflow to some extent. When the deposit interest rate is lowered, users can increase their income by purchasing the following wealth management products:

1. Fixed fund investment: Fixed fund investment refers to the investment of fixed funds in designated open-end funds within a fixed period of time. When the interest rate of bank deposits is lowered, users can choose to invest in some funds every month in exchange for time;

2. Purchase of convertible bonds: Convertible bonds are a kind of bonds issued by listed companies to raise funds from the society, which have the dual attributes of stocks and bonds. For some relatively stable users, they can buy some convertible bonds, with rich returns, mostly hovering around 10%;

3. stocks: although stocks are risky, they are also profitable. When the deposit interest rate is lowered, users can choose to buy some blue chip stocks and white horse stocks. In the long run, their returns are still relatively rich, which can increase the value of funds to a certain extent.

Are the deposit rates the same in all banks?

The interest rate of bank deposits is different, and there will be subtle differences. If you want to know the deposit interest rate of a bank, you need to go to the sales department to inquire. After all, there may be differences between branches and business departments. The interest rate of any bank is not necessarily high. It is possible that this bank has a high deposit interest rate in one area and another bank has a high deposit interest rate in another place.

How to check the deposit interest rates of various banks?

1, outlet consultation: the most direct way to know the bank's deposit interest rate is to go to the bank outlet to consult the staff, and then you can know the deposit interest rate for the corresponding period;

2. Online inquiry: Investors can inquire about the interest rate of deposit products through online banking and mobile banking of banks. In this way, you can get the deposit interest rates of major banks without leaving home;

3. Customer service telephone number: You can also call the customer service hotline of the corresponding bank to find out the specific deposit interest rate. However, due to the different operating conditions of different regions and branches, there may be some differences in deposit interest rates.

This article is mainly about the knowledge of the benchmark interest rate of banks in 2022, and the content is for reference only.