How much interest can you get by putting money in the bank? It mainly depends on the deposit interest rate, but it is not only related to the deposit interest rate. Under the conditions of the deposit interest rate, the amount of interest is related to how to deposit it.
So, if you use 100,000 yuan to deposit a one-year deposit, the deposit interest rate is 2.05%, how much interest can you get in three years?
deposit of 1.1 million yuan, and the interest rate is 2.05%. It can be easily calculated that the interest for one year is 2,050 yuan. So just multiply the interest for three years to deposit by 3, which is 6,150 yuan. Is that calculated? Although this calculation is not wrong, it may not be consistent with the actual deposit interest.
Because if you want to calculate this method, there are certain prerequisites, that is, you must withdraw it every year after the deposit expires and deposit the principal again. In addition, there is no change in the deposit interest rate when you deposit the next year.
If there are no these conditions, the interest will not be settled. In addition to depositing according to the above method,
has several deposit methods, which will make the deposit interest different.
The first method is to deposit it in the first year until it is withdrawn after three years, and there is no automatic transfer.
If you deposit according to this method, the interest for the first year is still 2,050 yuan, but the interest for the second and third years is different.
Because if the fixed deposit is not automatically transferred, if it is not withdrawn after the deposit expires, it will be converted into a current deposit. The one-year current deposit interest rate is only 0.35%, and the lowest is even 0.25%.
Even if you deposit it at an interest rate of 0.35%, the interest for 100,000 yuan for one year is only 350 yuan, and the interest for two years is only 750 yuan. Adding the interest for the first year, the total is 2,800 yuan, which is not as much as half of the interest deposited in the first method.
The second method is to deposit it in the first year and withdraw it after three years, and apply for automatic transfer.
If the automatic transfer is processed, if the deposit is not withdrawn after the deposit expires, it will automatically deposit another period. If the bank deposit interest rate does not change, the deposit interest rate for the next year will be the same as the previous year, which is equivalent to depositing for another year of fixed period.
Not only that, the deposits automatically transferred from the deposit will also be deposited as the principal of the next period. For example, if you get interest of 2,050 yuan in the previous period, the principal deposited next year is 102,050 yuan.
is deposited in this way. With the deposit interest rate unchanged, the interest in the second year is 2,092 yuan, and the interest in the third year is 2,135 yuan. The total interest rate for three years is 6,277 yuan.
The third method is to automatically transfer the money, but the money will be withdrawn every year and then deposited.
If there is no processing, it will be withdrawn in time after the deposit expires every year, and the principal and interest will be deposited in again. When the deposit interest rate remains unchanged, use this method to deposit the interest. The interest is the same as depositing according to the second method. The interest will be totaled about 6,277 yuan after 3 years. Although the method of
is more troublesome than the second method, it is not without its advantages. Because the actual interest rate of bank deposits may be different from the listed interest rate, the listed interest rate is usually the lowest interest rate that banks can give, and the actual interest rate may be higher than the listed interest rate.
If the deposit is automatically transferred, the interest rate for transfer may only be calculated based on the listed interest rate. But if you take out the money and deposit it, you will have a chance to get higher interest.
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