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Today is October 5th, as one of the six state-owned banks, China Construction Bank has strong strength and business outlets all over the country. According to the global bank Forbes list, CCB ranks second in the world, second only to the "largest bank in the universe". As a large state-owned bank, CCB has a high reputation,
Deposits are also safe, so many depositors prefer to deposit their funds in the bank. For the interest rate of CCB's large deposit certificate, let's take a look at the latest deposit interest rate table. The interest rate for one-month certificates of deposit is 1.60%, and the interest rate for three-month certificates of deposit is also 1.60%.
The interest rate for six-month certificates of deposit is 1.80 per cent, for one-year certificates of deposit 1.90 per cent, for two-year certificates of deposit is 2.15 per cent and for three-year certificates of deposit is 2.65 per cent. Compared to time deposits,
The interest rate of CCB's large certificates of deposit is slightly higher. It should be noted that the purchase of large certificates of deposit requires a certain amount threshold, and the minimum requirement is 200,000 RMB. For example, if we buy a one-month certificate of deposit, the investment amount is 200,000 RMB,
The interest rate is 1.60% annualized, then the interest at maturity of one month will be: 200,000×1.60%÷12=267 yuan. Among them, "200,000" is the principal, "1.60%" is the annualized interest rate, and "÷12" means that the one-month interest rate is 1/12 of the annualized interest rate.
From the above example, we can calculate the maturity interest of large certificates of deposit for other maturities. For example, the interest on the purchase of a three-month certificate of deposit is 800 yuan, the interest on the purchase of a six-month certificate of deposit is 1800 yuan, and the interest on the purchase of a one-year certificate of deposit is 3800 yuan.
The interest on the purchase of two-year certificates of deposit is 8,600 yuan, and the interest on the purchase of three-year certificates of deposit is 15,900 yuan. In addition to higher interest rates, the security of large certificates of deposit is also one of its advantages. Large certificates of deposit are deposits and are protected by law.
Even in the event of bank bankruptcy, as long as the amount does not exceed RMB 500,000, it can be fully compensated. In fact, as a large state-owned bank, the probability of failure of China Construction Bank is very low. In the decades since the founding of the People's Republic of China, the number of failed banks has not exceeded 5,
And these banks are small. Therefore, concerns about unsafe deposits are superfluous. The historical performance of large certificates of deposit also proves their safety. In addition, large certificates of deposit offer some flexibility. Unlike time deposits, large certificates of deposit can be transferred midway,
The depositor can transfer it to another person while holding it. Compared to early withdrawal of time deposits, the interest on large certificates of deposit is more generous. For example, if we deposit a three-year time deposit, the interest rate is 2.60% annualized, and we need to withdraw it in advance after two years of deposit.
Then the interest is only 800 yuan. However, if we buy a three-year certificate of deposit with an annual interest rate of 2.65%, and need to be transferred after two years of deposit, we can set the transfer amount to 210,600 yuan. In this way, the successor only needs to save for another year.
You can get 15,900 yuan in interest. It is equivalent to them depositing 210,600 yuan for one year and receiving interest of 5,400 yuan. Converted to an adult interest rate of 2.56%. Obviously, the receiver is more inclined to buy this large certificate of deposit because the interest rate is higher.
This transfer mechanism makes large certificates of deposit more flexible than time deposits, bringing more benefits to depositors. In conclusion, in the future, interest rate cuts will be the mainstream trend, and interest rates on bank deposits will only get lower and lower. Therefore, for deposits of small amounts,
There is an option for fixed deposits; For large deposits, it is more cost-effective to buy a large certificate of deposit. Large certificates of deposit not only have higher interest rates, but are also safe and reliable. In addition, large certificates of deposit also have the flexibility of intermediate transfers, which can be transferred in advance and obtain more interest income when needed.
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