?
What everyone is most concerned about is what interest rates are for savings treasury bonds? We also made it straight to the point. According to the notice, both savings treasury bonds have fixed interest rates, but the maturity is different. One period is three-year, and the other period is five-year, so the interest rates of the two periods are naturally different.
Among them, the interest rate of three-year savings treasury bonds is 3.2%. The interest rate for the five-year savings treasury bond is 3.37%.
0 The interest rate of electronic savings treasury bonds issued from August 10 is the same as the interest rate issued in July, but it has been lowered compared with the interest rate of savings treasury bonds issued in the first half of the year.
The interest rate of savings treasury bonds in the first half of the year was 3.35% for three years and 3.52% for five years. That is, since the second half of the year, the interest rate of savings treasury bonds has dropped slightly by 0.15 percentage points.
Although the interest rate of savings treasury bonds has dropped, it still has an advantage compared to bank fixed deposits. Now the five-year fixed deposit interest rate of for the four major banks is only 2.75%, and the highest three-year fixed deposit interest rate is only 3.15%. It can be seen that the interest rate of five-year savings treasury bonds has obvious advantages compared with fixed deposits.
However, compared with the interest rate of large-denomination certificates of deposit , the three-year large-denomination certificates of deposit of the four major banks can reach 3.25%, which is 0.05 percentage points higher than the interest rate of three-year savings treasury bonds. There is basically no trace of five-year large-denomination certificates of deposit and cannot be bought on the market, so there is no comparison.
So, from the perspective of interest, the interest rate of savings treasury bonds is higher than that of bank fixed deposits, especially the five-year interest rate. However, the interest rate of three-year savings treasury bonds is not as high as that of large-denomination certificates of deposit, which means they are in an intermediate position, neither high nor low.
So, should you buy savings treasury bonds?
Many people may think that the interest rate of savings treasury bonds is not that good, but in fact, savings treasury bonds are very popular. The savings treasury bonds in July were issued quickly on the day of issuance, especially electronic savings treasury bonds can be purchased through mobile phones, and the amount will be sold out quickly.
Why are savings Treasury bonds so popular? This is because savings treasury bonds have the highest credit rating and the safest way to invest. Moreover, the investment threshold for savings treasury bonds is also very low, only starting from 100 yuan, while the purchase threshold for large-denomination certificates of deposit is 200,000 yuan.
Moreover, savings treasury bonds can also be calculated based on the quota. If withdrawn in advance, the interest loss will be relatively less and the liquidity and flexibility will be higher. According to the notice, starting from August 10, 2022, the interest will be redeemed in advance for less than 6 months. Interest will be calculated at the face rate and deducted by 180 days of interest, and the interest will be calculated at the face rate for less than 24 months or less than 36 months or less than 36 months or less than 90 days of interest will be calculated at the face rate and deducted by 90 days of interest; the interest will be calculated at the face rate for less than 36 months or less than 60 months or less than 60 days of interest will be calculated at the face rate.
Moreover, the interest payment method of savings treasury bonds is to pay interest annually, and the interest can also be used for investment and financial management.
So, whether it is risk, liquidity, flexibility or interest payment method, savings treasury bonds have advantages, which is also the reason why savings treasury bonds are very popular.
It should be noted that savings treasury bonds can be purchased through the counter or through mobile banking, , but mobile banking can only be purchased through Industrial and Commercial Bank of China , China Postal Savings Bank , China Merchants Bank , Jiangsu Bank .
Will you buy savings treasury bonds? Welcome to leave a message to express your thoughts. Welcome to follow Sizhijingzhi and keep abreast of the latest developments in savings treasury bonds.
