Today is December 15th, and Industrial and Commercial Bank of China, as one of the six state-owned banks, has strong strength and business outlets all over the country. In addition, ICBC has always ranked first in the world on the Forbes list of global banks, and is truly the "largest bank in the universe".
The big state-owned banks are well-known and safe to save money. Many depositors like to keep their money in ICBC.
Let's take a look, how much interest can be paid if you deposit 30,000 yuan in ICBC?
current
It must be said: whoever puts the money in the survival period is a big fool.
Because the interest rate of demand deposits is very low. If you keep a large amount of savings in the current account for a long time, you are working for the bank for a long time.
At present, the interest rate of ICBC demand deposit is only 0.20% per annum. If you put 30,000 yuan in the survival period, the interest for that year is:
30,000×0.20%=60 yuan
In the survival period of 30,000 yuan, the interest for one year is only 60 yuan. This can no longer be called saving money, that is, taking your own money and contributing to the bank in vain. Then the bank saw that you were too stupid, and some couldn't bear it, and finally reluctantly gave you a little hard money.
We all know that saving money must put safety first. Because it only makes sense to talk about interest if the principal is safe. However, it is not possible to just be safe and not have any interest at all.
Demand deposits are very safe, principal and interest guaranteed. And the flexibility is very good. You can take it out at any time, or you can consume it directly. However, the interest rate is too low, and the money will survive for a long time, which is a big fool.
This kind of "money is stupid" thing, you must not do it in the future.
regular
For fixed deposits, we must tell the truth: all depositors who like to put their money in the fixed deposit must be down-to-earth and particularly pragmatic people.
Many people are very disdainful of fixed deposits, thinking that people who put money in fixed deposits are antiques. If you buy money for wealth management, fund speculation, or stock speculation, the money you make in a day may be higher than the interest on saving for a year.
But, in reality?
These people may make money in a day or two, but in a year or two, they are losing money. Especially for some people, as long as they talk about financial management on weekdays, they are really the first to be the way, and they are more expert than experts. And it is often these people who lose the most.
And depositors who keep their money on a regular basis only need to protect the deposit password, and they can sit back and relax. Go to work with peace of mind and don't have to worry about anything. When the term expires, you can withdraw the principal and interest.
Every year, I take the interest safely, and I don't know how many times stronger than those who toss blindly.
Therefore, saving money for a fixed period is the most suitable way for us ordinary people to save money.
ICBC December, time deposits, the latest deposit interest rate table is as follows:
For a three-month term, the interest rate is 1.50% per annum. Put 30,000 yuan, save it for three months, and the interest for three months at maturity is:
30,000×1.50%÷2=112.5 yuan
For a six-month term, the interest rate is 1.70% per annum. Put 30,000 yuan and save it for a period of six months, and the interest for six months at maturity is:
30,000×1.70%÷2=255 yuan
For a one-year term, the interest rate is 1.80% per annum. If you put 30,000 yuan for a fixed period of one year, the interest for one year at maturity is:
3万×1.80%＝540元
For two-year term, the interest rate is 2.10% per annum. If you put 30,000 yuan in a fixed period of two years, the interest for two years at maturity is:
30,000×2.10%×2=1,260 yuan
For a three-year term, the interest rate is 2.60% per annum. If you deposit 30,000 yuan for three years, the interest for three years is:
30,000×2.60%×3=2,340 yuan
Five-year term with an interest rate of 2.65% per annum. If you put 30,000 yuan in a fixed period of five years, the interest at maturity for five years is:
30,000×2.65%×5=3,975 yuan
The interest rate of a fixed deposit is that the longer the tenor, the higher the interest rate. Therefore, when you save money, if you can ensure that the money can not be used for a long time, it is best to save it for a longer period and get more interest.
However, there is also a disadvantage to long deadlines, which is that they are very inflexible. What will happen in the future, no one can predict. Once the money is used in the middle of the deposit and withdrawn in advance, all the interest on the fixed deposit will be settled according to the current interest rate.
Therefore, it is not certain whether this money will be used in the future. That is safe, that is, the deposit period is shorter. After the expiration date, continue to roll.
Large certificates of deposit
When it comes to large-value certificates of deposit, many people know about them, but not many depositors have actually bought them. Because large-value certificates of deposit are more "dislike the poor and love the rich", there is a minimum purchase threshold of 200,000 yuan.
ICBC in December, large-amount certificates of deposit, the latest deposit interest rate table is as follows:
The interest rate for one-month certificates of deposit is 1.60%.
The interest rate on three-month certificates of deposit is also 1.60%.
The interest rate on a six-month certificate of deposit is 1.80%.
The interest rate for one-year certificates of deposit is 1.90%.
The interest rate for two-year certificates of deposit is 2.15%.
The interest rate on three-year certificates of deposit is 2.65%.
For the same deposit amount, it is definitely more cost-effective to buy a large certificate of deposit than to deposit a fixed amount. However, this threshold of 200,000 yuan turned away most depositors.
For small deposits, go to the fixed deposit. If you have a large amount of money (up to 200,000 yuan), you can buy a large certificate of deposit.
Savings Treasury bonds
The latest issue of savings treasury bonds is a certificate-type treasury bond, and the interest will be settled in a lump sum at maturity.
The interest rate on the three-year Treasury bond is 2.63% per annum.
The five-year Treasury bond has an interest rate of 2.75% per annum.
Put 30,000 yuan to buy a three-year treasury bond, and the interest for three years at maturity is:
30,000×2.63%×3=2,367 yuan
Put 30,000 yuan to buy a five-year treasury bond, and the interest for five years at maturity is:
30,000×2.75%×5=4,125 yuan
The interest rate on savings bonds is higher than that on fixed deposits. Moreover, if the treasury bonds are used in the middle of the way, if they are withdrawn in advance, they can also rely on the file to calculate interest. If you have money in your hand that you can not use for three or five years, it is really recommended that you buy savings bonds.
summary
Industrial and Commercial Bank of China, as a veteran state-owned bank, has strong strength. The biggest advantage of depositing money in ICBC is that you don't have to worry about the bank going bankrupt one day.
Moreover, ICBC's business outlets are also all over the country. No matter where you go, it is very convenient to deposit and withdraw money.
We ordinary people, it is a very good choice to deposit money in ICBC.