The bank deposit is 10,000 yuan, and the electric car worth 3,000 yuan is given away, and the routine is full.
Yesterday, his uncle went to the postal office to withdraw money, and was told that the withdrawal can be, the principal of 7,000 yuan needs to be deducted, and the deposit of 20,000 yuan can only be withdrawn 13,000 yuan, and zero interest. What's going on here?
In 2020, the uncle and the eldest lady went to the postal service together to save 10,000 yuan, when two staff members and the uncle said that now the deposit is full of 10,000 to give an electric car, and then said a lot of financial insurance.
Uncle is more than 60 years old, does not understand this financial management that insurance, just want to save a regular. But the eldest lady did not withstand the temptation of the electric car, and under the guidance of the staff, filled out the form and signed it, and after the processing was completed, the old couple happily rode home with a brand new electric car.
During this period, in 2021, Uncle Dabo saved another 10,000.
This year, the uncle's sister wanted to buy a car, and the uncle wanted to take out 20,000 yuan for her to use, and then the scene that appeared at the beginning happened.
I asked a friend who works in the bank, and I learned that this is a regular 5-year financial insurance, which must be completed for five years, and 10,000 yuan must be saved every year. To surrender the policy 1 year in advance, the principal amount of 4,000 yuan should be deducted, and the principal amount of 7,000 yuan should be deducted in 2 years. Even if you can withdraw the full amount in five years, there is no interest of 1 cent, and you may have a return of about 4.0% in 20 years.
He also revealed that banks and insurance companies cooperate, the intermediate commission is very high, 10,000 yuan of regular insurance policies, the commission is basically more than 2,000 yuan, the cost of electric vehicles wool out of the sheep.
We can't manage money is financial management, insurance is insurance, but also have to manage financial insurance, to put it nicely, it is actually a legal fraud!
In short, there will be no pie in the sky, only traps.
I wonder what everyone thinks about the bank's operation? #Gold Powder Community# #我要上 Headlines ##银行 #
