Jimu News Reporter Chen Hong
Reporter learned from many banks that the seventh and eighth savings bond (electronic) in 2022 will be issued from October 10.
Screenshot of the Ministry of Finance website
It is reported that both treasury bonds are fixed interest rates and fixed term varieties, with a maximum total issuance of 40 billion yuan. Among them, the seventh period is 3 years, the face value annual interest rate is 3.05%, and the maximum issuance amount is 20 billion yuan; the eighth period is 5 years, the face value annual interest rate is 3.22%, and the maximum issuance amount is 20 billion yuan. The issuance period of the two treasury bonds is from October 10 to October 19, 2022, with interest starting from October 10, 2022, with interest paid annually, and interest paid on October 10 each year. The seventh and eighth periods repaid the principal and paid the last interest on October 10, 2025 and October 10, 2027, respectively.
The investment period of treasury bonds is long. If you need to redeemed in advance, how should interest be calculated? The reporter learned that the two treasury bonds shall not be redeemed in advance during the issuance period, and they may be redeemed in advance after the issuance period ends. Early redemption business can only be handled through the counter of the bank outlets. When investors redeem two treasury bonds in advance, the bank shall calculate interest to investors based on the actual number of days from the previous interest payment date (inclusive) to the early redemption date (excluding) and the following execution interest rate, that is, from October 10, 2022, the interest will be redeemed in advance for less than 6 months without interest, and the interest will be calculated at the face rate for less than 24 months without interest, and the interest will be deducted at the face rate and 180 days will be deducted, and the interest will be calculated at the face rate for less than 24 months without interest for less than 36 months after the eighth period is calculated at the face rate and 90 days will be deducted; the interest will be calculated at the face rate for less than 6 months after the eighth period is calculated at the face rate and 60 days will be deducted. If the bank handles early redemption for investors, it can charge investors a handling fee of 1‰ of the early redemption of the principal.
As banks lower the fixed deposit rate , some investors listed savings Treasury bonds as new alternatives. A state-owned bank account manager said that savings treasury bonds have been welcomed by many depositors in recent years. Treasury bonds are guaranteed by national credit and have a higher credit rating than other bonds and bank wealth management products. The investment starting point is not high, and it is available for sale starting from 100 yuan. And it is a product with fixed term, fixed interest rate, and interest tax exemption, and the face value rate is the actual income. He also reminded that from the perspective of interest rates, although the interest rate of savings treasury bonds is higher than that of state-owned banks' fixed deposit rates, it is not as good as the long-term deposit rates of some small and medium-sized banks, and is suitable for depositors with less extreme demands on yields. In addition, savings treasury bonds are not easy to grab, especially electronic savings treasury bonds. Many banks' online credit limits will be sold out within a few minutes.
(Source: Jimu News)
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