How to deposit, the interest can be higher?
I. Time deposit
The interest rates of fixed deposits and linked deposits of banks are: one-year interest rate 1.75%, two-year interest rate 2.25% and three-year interest rate 2.75%. Some commercial banks and joint-stock banks have higher interest rates, and the five-year interest rate can reach 3.2%. The threshold for time deposits is low. As long as 50 yuan starts, the risk is low and the principal is guaranteed. Taking the annual interest rate of 3.2% as an example, the estimated interest income of 60,000 yuan in five years is 9,600 yuan, with an average annual interest rate of 1.920 yuan.
Second, private smart deposits.
Smart deposit is a product issued by commercial banks. By cooperating with the Internet financial platform, the deposit demand can be met. The minimum deposit threshold, 50 yuan, is much higher than the ordinary deposit interest rate, and the one-year interest rate can reach 5%. For example, the smart deposit on the xx platform has a one-year interest rate of 4.5%, with low risk and guaranteed capital and interest. If the product with an annual interest rate of 4.5% is deposited, the expected income after the maturity of 60,000 yuan is 2,700 yuan *5 years, and the total income in 5 years is 1.35 million yuan.
time deposit
starting procedure
1. Open a fixed all-in-one account at the counter;
2. Apply for opening the personal online banking financial management version or VIP version of China Bank at the counter;
3. Associate the term all-in-one account with online banking;
4. If you want to handle the business of lump-sum withdrawal or renewal of education savings in online banking, you need to open a lump-sum withdrawal or education savings account at the counter and associate it with online banking, and you can renew it in online banking only after agreeing with the bank on the monthly deposit amount and deposit term;
If you want to deposit and withdraw interest in online banking, you need to open a deposit and withdrawal account (demand deposit) at the counter before you can deposit and withdraw interest in online banking.
Lump sum deposit and withdrawal: the principal is deposited in one lump sum, and the principal and interest are withdrawn in one lump sum at maturity.
Fixed life is convenient: the principal is deposited in one lump sum, and there is no fixed deposit period. You can only withdraw the principal and interest in one lump sum, not in part.
Deposit principal and interest: deposit the principal in one lump sum, withdraw the interest by stages, and withdraw the principal at maturity.
China Agricultural Bank has a deposit of RMB 65,438+00,000, with an annual interest rate of 0.35%;
10000 * 0.35% * 30/365 = 2.877 yuan;
2 1 day interest settlement in the third month of each quarter;
How many days is the credit card overdue?
Each bank's credit card has a certain grace period for repayment, during which the repayment will not be recorded in the credit report. Most bank credit card repayment grace period is 3 days, and the application does not need to take effect automatically. However, some banks have special provisions on the grace period for repayment, as follows:
1, Bank of China:
The grace period for repayment of the Platinum Credit Card of China Bank is 9 days, and the grace period for repayment of other credit cards of China Bank is 3 days.
2. Postal Bank:
The grace period for repayment by China Post Bank is 4 days.
3. Guangfa Bank and Citibank:
Both Guangfa Bank and Citibank need to apply for a special grace period for repayment, usually around 3 days.
4. Agricultural Bank:
The grace period for repayment of China Agricultural Bank is 2 days.
5. ICBC:
ICBC's Star Card and Struggle Card can have a grace period of three days, while ICBC's other credit cards have no grace period.