In January 2023, the interest rate of the two banks' large-amount deposit certificates reached 4.05%, and the interest of 300,000 deposits exceeded 36,500 for three years
Soon to enter the 2023 Spring Festival, many migrant workers have worked hard for a year, have a lot of savings on hand, for ordinary people, the money earned will basically not be spent indiscriminately, but choose to deposit money in the bank. It is mainly used to buy a house and a car in the future, and to deal with some emergencies. Depositing money in a bank not only guarantees the safety of the funds, but also earns the corresponding interest.
For the people, they all hope that deposits can get higher interest, to know that the deposit interest rate of state-owned banks in recent years is very low, basically only about 2.75%, you must know that before the epidemic, the interest rate of 3-year time deposits is still very high, can reach more than 4%, sometimes even up to 5%. However, judging from the deposit interest rate in recent years, if you want to get a higher deposit interest rate, you can only rely on large deposit certificates.
Compared with other deposit products, the restrictions of large deposit certificates are still more, first of all, large deposit certificates are not want to save can be saved, large deposit certificates have a minimum deposit limit, and basically reached more than 200,000, but the advantage of large deposit certificates is that the withdrawal is more flexible, some banks in order to absorb large deposits, will not limit the deposit period, for people who need to have frequent money is definitely a good choice.
In January 2023, various banks announced the latest deposit products and deposit interest rates, of which 2 banks have a large deposit certificate interest rate is very likely, can reach 4.05%, if you meet a good bank, it is still good to deposit money in it. Next, let's take a look at 2 banks with a deposit interest rate of 4.05 for large certificates of deposit, and money can be deposited in these two banks.
The first is Beijing Zhongguancun Bank. The bank announced in January 2023 that the interest rate for deposits in large certificates of deposit reached 4.05%, but there are restrictions on the deposit period and the minimum deposit amount, of which the minimum deposit amount is 200,000 and the deposit period is 50,000. Most people are reluctant to choose a 5-year certificate of deposit, because they are worried that they will not be able to withdraw their money when they use it, and they are worried that they will cause trouble to their lives.
In fact, the large deposit certificate of Beijing Zhongguancun Bank can be taken out in advance in the third year, or it can be directly transferred to a third party, and the interest of three years will be calculated according to the interest of the large deposit certificate, and will not be converted into demand interest, which is still relatively friendly for depositors, and there is no need to worry about losses.
The second bank is Suning Bank, a joint-stock commercial bank that issues the same requirements for large deposit certificates as Beijing Zhongguancun Bank, so you don't need to worry about losing money. At present, both banks participate in the bank deposit insurance regulations, even if the bank fails, you can still get your deposit back, and you don't need to worry too much.
According to the current deposit interest rate, assuming that 300,000 yuan is deposited in these two banks, and saved for 3 years, the interest can be obtained is 36450 yuan, if it is 5 years, you can get 60750 yuan, so if you have spare money, you can consider depositing it in these two banks.
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