2020 has just passed, and everyone has summed up the past year. Of course, what everyone cares most is how much money is in the bank card, but some people are happy and others are worried. Many people said that this year's work was too hard and the money was too difficult to make. Due to the impact of the epidemic, they did not save money. In fact, the situation that makes it difficult to make money has something to do with the working state and mentality of young people. Nowadays, most young people don't like to be restrained and want to have a high income. This is more difficult.
However, if you want to lie at home, you can earn 4000 yuan a month. Is this kind of life very pleasant?
But this kind of "comfort" can't be easily obtained. You should know that the current investment risk is very high, stability is not guaranteed, and losses may occur. If security is higher, then only bank deposits will be available. At present, there are more than 4,000 banks in China, which can be divided into state-owned banks, joint-stock banks, city commercial banks and credit cooperatives. Since the central bank liberalized interest rates in 2015, all Chinese banks have enjoyed the right to adjust independently. This is why we have seen some banks have high interest rates in the financial market while others have low interest rates.
Bank staff revealed that by 2021, as long as you deposit enough "this number" in the bank, you can earn 4,000 yuan a month. How many "this number" is there? Take a look.
The interest rate of bank deposits mainly depends on the selected bank type, deposit amount and maturity. At present, private banks have the highest deposit rates, followed by local banks, then joint-stock commercial banks, and finally state-owned banks. Take a state-owned bank as an example:
If the survival period is calculated based on the 0.3% interest rate of state-owned bank deposits, then you need to deposit 16 million yuan in the bank to get 4,000 yuan interest every month.
If the deposit period is one year, the basic interest rate of state-owned banks usually fluctuates between 20% and 30%, and the execution interest rate is usually around 1.95%. Calculated according to this interest rate, then the required principal will be Reached 2.46 million yuan.
If the deposit period is 3 years, the execution interest rate of state-owned banks is generally around 3.5%.If calculated according to this interest rate, then the principal only needs 1.37 million yuan.
In addition, large deposit certificates have always been favored by many depositors for their high interest rates and high flexibility. In other words, in products of the same maturity, the interest rate of large deposit certificates is much higher than that of fixed deposits. Taking state-owned banks as an example, the interest rate for 3-year time deposits is 2.75%, and the interest rate for large deposit certificates can reach 3.98%. For example, taking the Industrial and Commercial Bank of China as an example, the interest rate for one-year large deposit certificates reaches 2.255%, while the one-year fixed deposit interest rate is 1.75%, and the three-year deposit certificate interest rate is as high as 4.125%. Assuming it is a three-year certificate of deposit, if you want to get an interest of 4000 yuan per month, you need to deposit 1.164 million yuan in the bank.
However, due to the impact of special events, the state clearly requires banks to inject 1.5 trillion into the real economy. The interest rates of various bank deposit products are also relatively low. Therefore, this year's certificate of deposit interest rate is well below the peak of around 3.5%.
With the recovery of the national economy. According to a survey conducted by state media on December 9, some banks are raising interest rates on 3-year certificates of deposit. After the interest rate increase, the maximum annual interest rate is 3.95%, and some city banks are 4%. When the interest rate is 4%, the annual interest for a 300,000 yuan deposit is about 12,000 yuan, which is not a small amount.
Finally, the new type of deposit. The so-called new type of deposit is the smart deposit of private banks. In the past few years, private banks have used Internet third-party platforms to collect deposits, mainly promoting smart deposits. The main feature of this deposit is which interest is calculated and the interest rate is high. In 2019, the five-year smart deposit has an interest rate of up to 6%, other times it will also reach about 5.5%, and the three-year period is about 4.5%. Suppose you choose a five-year period and the interest rate is 5.5%. If you want to get an interest of 4,000 yuan per month, you need to deposit 872,000 yuan. If it is a three-year period, you need to deposit 1.067 million yuan.
Don’t think that 4,000 yuan is not much, you know that many people’s salary is only 3,000 to 4,000 yuan, so if you usually work hard, you have a certain income every month, plus every month can Receive a "salary" from the bank,There is no doubt that there can be a better standard of living. At this stage, there are not many people with 1 million deposits, especially for young people, this is a considerable number. Therefore, if you want to live a life of "laying and earning", you need to work hard. However, when there is pressure, there is motivation. Set a goal for yourself and work hard to achieve it.
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