Today is December 17th, and CCB, as one of the six major state-owned banks, has strong strength and business outlets all over the country. In addition, CCB ranks second in the world on the Forbes list of global banks, second only to 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 CCB.
Let's take a look at how much interest can be paid if you deposit 40,000 yuan in China Construction Bank for one year?
If I deposit 40,000 yuan in CCB for a year, how much interest income will I have?
1 . current
For demand deposits, here is a prudent reminder to all depositors: whoever puts the money in the survival period is really a big fool.
Because the interest rate of demand deposits is not generally low, but outrageously low. If you put your money in the survival period, it is equivalent to taking your own money and contributing to the bank in vain.
At present, the interest rate of demand deposits of China Construction Bank is 0.20% per annum. Put 40,000 yuan, in the survival period, one year's interest is:
40,000×0.20%=80 yuan
In the survival period of 40,000 yuan, the interest for one year is only 80 yuan. With such a little interest income, it can no longer be called saving money, it is just working for the bank. Then the president saw that you were too stupid, and he couldn't bear to bully the fool, and finally reluctantly gave a little hard-earned money.
As we all know, saving money comes first. A risky way to save money, which is absolutely untouchable. However, we can't just be safe and don't want any interest at all. If you don't move the money for a long time, don't do this kind of "money is stupid".
2 . Call Deposits
When it comes to call deposits, most people may not know much about it. Some savers may have never heard of it.
Suffice it to say, any depositor who knows about call deposits must be people who are particularly good at taking care of their money. Because the flexibility of call deposits is particularly good, it is very suitable for many elderly savers.
In CCB, there are two types of call deposits:
The interest rate is 0.90% p.a. for one-day call deposits. A day is a cycle, and for each day you deposit, the bank will settle the interest for you. The bank settles the interest as many times as you deposit.
The interest rate for 7-day call deposits is 1.45% per annum. Seven days is a cycle, and for every seven days you deposit, the bank will settle interest on you. The bank will settle the interest as many times as you deposit for seven days.
Like many middle-aged and elderly savers, although they have money in their hands, they may use it at any time. During the survival period, there is no profit. Save a long-term deposit, and if you use the money in the middle of the deposit, all the interest will be lost.
In this case, you can deposit the money in the notice deposit. However, there is an amount threshold for call deposits, which requires a minimum deposit of 50,000 yuan.
3 . regular
When it comes to fixed deposits, everyone should know about it. In particular, the majority of middle-aged and elderly depositors like to store their money in the notice deposit.
Here is a word of praise: all depositors who like to put their money and save it for a fixed period are down-to-earth and particularly pragmatic people in work and life.
Because the deposit period is very simple, there are not so many routines. You deposit your money, and the bank issues you a fixed passbook (certificate of deposit) on which everything is printed clearly. You don't have to worry about anything, you can go to the bank to withdraw the principal and interest when it expires.
Others, on the other hand, are more "smart". They go to buy wealth management, speculate in funds, and speculate in stocks, and they can't look at the interest rate of fixed deposits. Every day he says that it is not good to save a fixed period, and often ridicules people who save a fixed period are a group of old antiques.
But what about the result?
People who save a fixed term eat and sleep soundly, and they get interest steadily when they expire every year.
And those who buy wealth management, speculate in funds, and speculate in stocks have been tossing for many years. Not to mention that not a penny was earned, the principal was also lost miserably.
It is clear who is a smart person and who is a big fool. It is no exaggeration to say that fixed deposit is the most suitable way for us ordinary people to save money.
If you deposit 40,000 yuan in CCB for one year, you can choose to deposit for one year. The interest rate is 1.80% per annum, and the interest at maturity for one year is:
4万×1.80%＝720元
Although this interest rate is indeed not high. However, the principal is safe and there is no need to worry about it. Earning interest steadily every year is already very good.
There are many people who like to keep their money in small banks because of the higher interest rates on deposits. For example, for the same fixed year, the interest rate of large state-owned banks is only 1.80%, and the interest rate of small banks can reach 2.25%. For the same 40,000 yuan, the difference in interest for a year is 225 yuan.
It's also a great way to save money.
The advantage of a large state-owned bank is that it is safe to save money. Moreover, there are many business outlets, so it will be more convenient and reassuring to deposit and withdraw money.
Local small commercial banks are also safe to deposit money, and the advantage is that the deposit interest rate is high.
If you are a saver who is very strict about security, you are not allowed to take the slightest risk. Then you will keep the money in a big state-owned bank. If you are interested in the interest on your deposits, you can keep your money in a small bank.
4 . Some other ways to save money
As a veteran state-owned bank, CCB has a lot of money saving activities. Among them, there are two kinds that can be called principal and interest guarantees.
For example, the purchase of large-amount certificates of deposit, the principal and interest are guaranteed, the interest rate is higher than that of the fixed term, and it can also be transferred in the middle. However, there is a threshold for the amount of large-value certificates of deposit, which requires a minimum purchase of 200,000 yuan.
Like savings bonds, they are also principal and interest guaranteed. The interest rate is higher than that of the regular term, and if you withdraw it in advance, you can also rely on the file to calculate the interest. The most important thing is that the savings bonds are very close to the people, and there is no limit on the amount of money. As little as 100 yuan, you can buy treasury bonds.
However, the maturity of savings bonds is relatively long, and the minimum period is three years.
Both of these ways to save money are safe and have their own advantages. However, they all have limitations. For only 40,000 yuan, if you can only save it for one year, you can't buy it.
summary
China Construction Bank, as a veteran state-owned bank, has strong strength. The biggest advantage of keeping money in CCB is that you never have to worry that the bank will go bankrupt.
Moreover, CCB's business outlets are also spread 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 CCB.