is a good habit to save money? That's for sure. You should know that if you want to buy some "big" goods at the moment, such as buying a house, buying a car, and children getting married, you need to spend a lot of money at one time. If there is no daily accumulation, almost most families will not be able to produce it. As for managing spare money, I believe many people have their own set of solutions, but most people will consider existing in a bank. After all, it is relatively safe and can also obtain interest.
"Congratulations" if you have spare money!
is about to reach the Lunar New Year. It can be said that during this period, major banks have also started deposit-raising activities. Some give gifts, such as rice, oil, etc., and some directly benefit depositors and increase the interest rate level of . However, no matter which one it is, it is good news for depositors. So if you have spare money now, you will "congratulations" on you, and you can get more benefits or interest than others.
Bank interest rate rise
The interest rate levels of major banks in my country are different, some are relatively high, and some are relatively low, so every depositor must choose a bank with high interest rate . Since 2015, the central bank has implemented interest rate marketization, and the competition between banks has become greater. After all, for banks, the importance of deposits is self-evident, and for depositors, banks can only make profits if they compete with depositors.
Then at this stage around the Spring Festival, has the bank interest rate level risen? The answer is yes, and the buoyancy is higher than usual, but not all banks will choose to engage in deposit-raising activities. For example, state-owned banks basically do not do any deposit-raising activities. The interest rate given is as much as the depositors, and depositors will not save them. According to relevant information, among state-owned banks, the maximum interest rate of fixed deposit is 3.25%, and the maximum interest rate of large-denomination certificate of deposit is 3.35%. This is the result of 50BP rising again based on the benchmark interest rate, which is 0.5%. What about other banks?
Big banks have the advantages of big banks, and small banks also have the benefits of small banks. For small banks, the pressure to attract deposits is relatively high, so they have to raise interest rates to attract deposits. In normal times, their interest rate buoyancy can rise again 70bp based on the benchmark interest rate, and the maximum interest rate for three-year fixed deposits can reach 3.45%. However, around the Spring Festival, it is obvious that this interest rate cannot effectively attract depositors, so raising interest rates again has become a choice that has to be made. According to the information I learned, among many small banks, the interest rates for three-year fixed deposits can now reach 3.75%, and a small number of banks can reach 3.98%. If it is a five-year fixed deposit, it is even more common to exceed 4%.
deposit 100,000 yuan a year interest rate exceeding 4,000 yuan?
If the interest rate of 100,000 yuan in a bank deposit of 100,000 yuan per year, the interest rate must reach at least 4%. Therefore, if state-owned banks are excluded, the maximum interest rate of their deposit products is only 3.35%. Among many small banks, the smaller the scale, the smaller the coverage, the higher the interest rate level may be.
If you can encounter the above three-year fixed deposit, the interest rate can reach 3.98%, and the interest rate of 100,000 yuan will be nearly 4,000 yuan per year. If not, you can consider a five-year fixed deposit. The interest rate generally exceeds 4%, which is normal to reach 4.5%. The interest rate of 100,000 yuan per year can be 4,500 yuan.
In addition, if you are lucky enough to encounter some special deposits issued by some small banks, then "congratulations". The interest rate for deposits of 100,000 yuan per year is easily exceeded 4,000 yuan, and the security is the same as that of fixed deposits. There is no need to worry too much. It is just that the issuance time of special deposits is not fixed, and it depends entirely on the bank's preferences. It is a time period that is likely to be issued around the Spring Festival, so you can consult more bank employees.Is
worth saving?
interest rate exceeds 4%, which is already considered a high interest rate at this stage. State-owned banks and joint-stock banks basically do not have this interest rate level. Perhaps only small banks can do it. So is it worth depositing? Whether to deposit or not, whether it is worth it or not, it actually depends on the liquidity or demand of the deposit. If you are not sure about the time of deposit, you may need to use it next month, or it may not be used within a few years. It is best to choose a product with a shorter deposit period, and the interest rate will be relatively low. If you can determine the time, then choose a long deposit period, and the interest rate will naturally be higher.
Summary
1 100,000 yuan in deposits a year of more than 4,000 yuan, which is already very good. However, you must be careful and make sure it is a deposit product. You must know that some banks are "stolen" and use financial products as deposit products to sell. Once this happens, you must take legal weapons to protect your legitimate rights and interests. Don't shrink. This is undoubtedly helping to increase your arrogance. What do you think?
