Bank of China, Industrial and Commercial Bank of China, China Construction Bank New Interest Adjustment for RMB Deposits: In February 2022, Bank of China, Industrial and Commercial Bank of China, China Construction Bank (10,000 yuan, 30,000 yuan, 50,000 yuan, 200,000 yuan, 300,000 yuan, 1 million yuan) all kinds of RMB deposits rose a new interest table.
In February 2022, Bank of China, Industrial and Commercial Bank of China and China Construction Bank will have a new interest table for all kinds of RMB deposits and a new interest rate table for large certificates of deposit.
Interest on time deposits: deposit amount, deposit interest rate, deposit term. Banks have a basic formula for calculating interest: deposit interest = principal× deposit interest rate× deposit term.
The interest rate of ICBC's large certificate of deposit starts at 200,000 yuan
1. Deposit for 1 month: deposit 200,000 yuan, interest rate of 1.54%; Deposit 3 Month Interest Rate1.54%
2. Deposit for 6 months: deposit 200,000 yuan, interest rate of 1.82%;
3. Deposit for 1 year: deposit 200,000 yuan, interest rate of 2.1%;
4. Deposit for 2 years: deposit 200,000 yuan, interest rate of 2.94%;
5. Deposit for 3 years: deposit 200,000 yuan,
6. The minimum deposit is 300,000 yuan
300,000 yuan deposit period 3 months interest rate 1.60%, 300,000 yuan deposit period 6 months interest rate 1.88%, 300,000 yuan deposit period 1 year interest rate of 2.18%, 300,000 yuan deposit period 2 year interest rate 3.04%
Industrial and Commercial Bank of China RMB deposit rate
Annual interest rate on the project
1. Deposits of urban and rural residents and units
(1) The current period is 0.30
(2) Periodic
1. Whole memory and round fetch
Three months 1.35
Half a year 1.55
1.75 a year
Two years 2.25
Three years 2.75
Five years 2.75
2. Zero deposit and whole take, whole deposit zero take, deposit principal and interest
1.35 a year
Three years 1.55
Five years 1.55
3. Fixed live two will be based on the regular consolidation within one year to take the same grade of interest rate 40% discount
2. Agreement Deposit 1.00
3. Notification of deposits
0.55 a day
Seven days 1.10
ICBC Annual Interest Rate Calculation
The annual interest rate is the interest rate of deposits or borrowings for one year, that is, the ratio of the amount of interest for one year to the principal of the deposit or the principal of the loan, which is similar to the algorithm of monthly interest rate and daily interest rate, but the form of expression is different.
The annual interest rate is generally expressed as a percentage, such as 11%, the monthly interest rate is generally expressed in thousands, such as 6‰, and the daily interest rate is a few parts per thousand, usually the interest rate of five thousandths is said to be the daily interest rate, the annual interest rate can be converted into a monthly interest rate, a daily interest rate, and vice versa.
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Bank of China's personal large-denomination certificate of deposit is a RMB standard fixed-rate large-denomination certificate of deposit, including 1 month, 3 months, 6 months, 9 months, 1 year, 18 months, 2 years, 3 years, 5 years and other 9 terms. The starting amount of the purchase price of each product of each term shall not be less than RMB 200,000.
Latest Interest Rate Table of Bank of China Large Certificates of Deposit
The minimum amount is January 3, June 1 year
200,000 yuan 1.531.541.822.10
300,000 yuan 1.591.641.892.18
1 million yuan 1.641.942.44
Bank of China Deposit Rate Table 2022
The above is the official website interest rate of the Bank of China for the whole country, but in fact, the listing interest rate of the Bank of China will be slightly higher than the official website interest rate, and the listing interest rate in each city may be different. Sort out the actual listing interest rates of the Bank of China in eight cities of Beijing, Shanghai, Guangzhou, Shenzhen, Tianjin, Chongqing, Nanjing and Hangzhou, and the data are as follows:
The life expectancy is 3 months 6 months 1 year
Beijing 0.301.431.691.95
Shanghai 0.301.431.691.95
Guangzhou0.301.431.691.95
Shenzhen 0.301.351.551.75
Tianjin 0.301.431.692.10
Chongqing 0.301.431.691.95
Nanjing 0.301.431.691.95
Hangzhou 0.301.431.691.95
The actual listing interest rate of CCB in Beijing, Shanghai, and other cities may also be different in each city:
Beijing: Current period 0.30, 3 months 1.43, 6 months 1.69, 1 year 1.95, 2 years 2.73, 3 years 3.58, 5 years 3.58
Shanghai: Current period 0.30, 3 months 1.43, 6 months 1.69, 1 year 1.95, 2 years 2.73, 3 years 3.58, 5 years 3.58
Guangzhou: Current period 0.30, 3 months 1.43, 6 months 1.69, 1 year 1.95, 2 years 2.25, 3 years 2.75, 5 years 3.30
Shenzhen: Current period 0.30, 3 months 1.35, 6 months 1.55, 1 year 1.75, 2 years 2.25, 3 years 2.75, 5 years 2.75
CCB's regular interest of 10,000 yuan for one year is 210 yuan.
The total interest of 10,000 yuan for two years is 450 yuan
The total interest of 10,000 yuan for three years is 825 yuan
The interest rate of 20,000 yuan for a regular year is 420 yuan
The total interest of 20,000 yuan for two years is 900 yuan
The total interest of 20,000 yuan for three years is 1650 yuan
The interest rate of 50,000 yuan for a regular year is 1050 yuan
The total interest of 50,000 yuan for two years is 2250 yuan
The total interest of 50,000 yuan for three years is 125 yuan
Note: The above interest rates are for reference only, do not make any suggestions, please consult the counters of each bank branch for specific details, and the interest rate published by the local business halls shall prevail.
