Although with the development of Internet finance, the current types of investment and financial management methods are increasing, but time deposits are always the investment choice of the vast majority of Chinese people, then for time deposits, "100,000 yuan deposit for 1 year" and "10 10,000 yuan deposit for 1 year", will the interest rate of the two be the same? I believe that no one has studied this problem in detail.
Under normal circumstances, in the same bank, the interest rate of the two deposit methods is the same; but everything has special circumstances, in some banks, the interest of the two deposit methods is inconsistent, 100,000 yuan deposit for 1 year compared with 10 10,000 yuan deposit for 1 year can get higher interest.
Normal
We take China Construction Bank as an example, as shown in the following figure, the deposit interest rate table published on the official website of CCB, from the figure we can get to the one-year fixed deposit interest rate of 1.75% (you read it correctly, it is 0.2% lower than the interest rate of the offline counter), so to handle the deposit, in the case of time, you still have to go to the counter to handle, especially the automatic transfer, many of which are directly in accordance with the interest rate of the official website instead of the offline deposit rate).
100,000 yuan deposited for 1 year, interest is: 100,000 yuan * 1.75% = 1750 yuan;
10 10,000 deposits for 1 year, the interest is: 10,000 yuan * 1.75% * 10 = 1750 yuan.
Through the above calculation, we can see that the interest between the two is consistent, and there is no difference, the only difference should be liquidity, 10 10 10,000 yuan deposit for 1 year compared to the direct 100,000 yuan fixed deposit 1 year liquidity is higher, because the bank for time deposits only allow the part of the payment once, so 100,000 yuan fixed deposit 1 year only has the opportunity to withdraw in advance, but 10 10,000 yuan fixed deposit 1 year there are 20 opportunities for advance payment, so its liquidity is higher.
Special circumstances
I believe many people know that the higher the amount of deposits in the bank, the higher the interest rate that can be enjoyed, such as the familiar large certificate of deposit, in any bank, the interest rate of the large certificate of deposit in the same period is definitely higher than the ordinary regular interest rate. Of course, the minimum deposit amount of large certificates of deposit is as high as 200,000 yuan, and many depositors' deposits are difficult to reach this value, so in reality some banks will reduce this value, such as 100,000 yuan, 50,000 yuan, or even 10,000 yuan. As shown in the figure below: for deposits above 100,000 yuan, the interest rate of a 1-year bank counter is 2.22%, while the interest rate of deposits below 100,000 yuan is 2.1%. In this case:
100,000 yuan deposited for 1 year, the interest is: 100,000 yuan * 2.22% = 2220 yuan; 10 ten thousand deposit for 1 year, the interest is: 10,000 yuan * 2.1% * 10 = 2100 yuan, it is obvious that the interest of direct deposit of 100,000 yuan is relatively high, of course, the interest difference between the two is not large.
summary
"100,000 yuan deposited for 1 year" and "10 10,000 yuan deposited for 1 year", in the bank that does not distinguish the interest rate of the minimum deposit amount, the interest obtained is the same; but in the bank that distinguishes the minimum deposit amount, the interest rate is different. However, although the interest of 10 10,000 yuan may be relatively low, the liquidity of its funds will be higher than the direct fixed deposit of 100,000 yuan, especially in today's day when interest calculation by file has been banned, in the case of liquidity requirements, you can choose 10 10 10,000 yuan fixed deposit for 1 year.