Today is December 18th, and CCB, as one of the six 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 if you deposit 40,000 yuan in China Construction Bank for two years?
If you deposit 40,000 yuan in China Construction Bank for two years, how much interest income will you have?
1 . current
Here we must remind everyone: whoever keeps the money alive is a big fool.
Because the interest rate of demand deposits is really too low. You keep your money fixed and don't move it for a long time. Then you are either saving money, or you are taking your own money and giving it to the bank for free.
At present, the interest rate of demand deposits in China Construction Bank is only 0.20% per annum. The interest rates on demand deposits in the six major state-owned banks are all so low.
Put 40,000 yuan, in the survival period, one year's interest is:
40,000×0.20%=80 yuan
In the life period of 40,000 yuan, the interest for one year is only 80 yuan. According to this interest rate, even if you save for two years, the interest is only 80 yuan. Moreover, the interest rate on our bank deposits is falling every year. It's really saved for two years, and the interest is definitely not 80 yuan.
We often say that saving money comes first. Demand deposits are very safe, principal and interest guaranteed. However, it is not possible to have a single tendon as long as it is safe, and there is no interest at all.
The interest rate on demand deposits is really outrageously low. The survival period of money is really "money is stupid".
2 . regular
Here's a word to say: all savers who like to put their money in the fixed period are particularly down-to-earth and pragmatic people in life.
Because the deposit period is very simple, there are no routines, there are no traps. You can rest easy when you protect your passbook (or certificate of deposit) and password.
You don't have to worry about anything about this fixed deposit. You just need to wait for the maturity and go to the bank to withdraw the interest.
Some people are more "pursuing", and they don't look down on fixed deposits. I also think that the depositors who like to save a fixed term are all uncivilized antiques. These people take the money to speculate in funds and stocks, and pursue all the high returns.
But what about the result?
These people have been tossing for many years, and the final result is that they have not earned a penny, not to mention, and they have lost a lot of principal. And those who save for a fixed period of time will receive bank interest steadily every year, without any risk.
This comparison is obvious: people who like to save a fixed period are antiques, and they are clearly a group of wise and foolish people.
Put 40,000 yuan in China Construction Bank for two years, and you can choose to deposit it for two years. The interest rate is 2.10% per annum, and the interest on maturity for two years is:
40,000 ×2.10%×2=1,680 yuan
The advantage of saving for two years is that during these two years, you don't have to worry about interest rate cuts. No matter how the bank interest rate falls, the maturity interest will not be a penny.
However, the two-year term is relatively long, and if you use the money in the middle of the deposit and withdraw it in advance, all the interest will be settled according to the current interest rate.
Put 40,000 yuan in China Construction Bank for two years, or you can choose to deposit it for one year. After the expiration date, it will be transferred year by year.
This way of saving money can ensure the flexibility of money.
At present, CCB has a one-year fixed deposit with an annualized interest rate of 1.80%. Put 40,000 yuan, save it for a fixed period of one year, and the interest for one year at maturity is:
4万×1.80%＝720元
The interest of the fixed deposit for one year is 720 yuan, so according to this interest rate, the total interest for two years is 1440 yuan.
However, the interest rate on our bank deposits is falling every year. If you redeposit every year, the interest will definitely be less and less every year. The total interest for those two years is not 1440 yuan.
The advantage of a one-time deposit for two years is that you can lock in interest income for two years. The disadvantage is that the deadline is longer and the flexibility is poor. If you use the money in the middle of the deposit and withdraw it early, all the regular interest will be lost. It is equivalent to the time of the previous deposit, which is given to the bank free of charge.
The advantage of rolling over year is that it is more flexible. The disadvantage is that interest rates are relatively low and susceptible to interest rate cuts.
Therefore, when we save a fixed term in the future, we must choose the most suitable term according to our actual situation.
If you are sure that the money in your hand can not be used for two years, then you can save it for two years at a time to maximize the interest. If you are not sure whether the money will be used in the future, it is better to transfer it year by year, which is more secure.
3 . Large certificates of deposit
There should be a lot of depositors who have heard of large certificates of deposit. However, there are fewer people who have actually bought it. Because large-amount certificates of deposit are more "dislike the poor and love the rich", there is an amount threshold limit, which requires a minimum purchase of 200,000 yuan.
With only 40,000 yuan, you will definitely not be able to buy a large certificate of deposit.
However, large certificates of deposit are really very good. In terms of safety, it is also guaranteed principal and interest. In terms of interest rate, it is higher than that of fixed deposits. In terms of flexibility, it can be transferred halfway.
If you have a large amount of deposit, it is really recommended that you buy a large amount of certificates of deposit.
4 . Savings Treasury bonds
Compared with the larger certificates of deposit, savings bonds are very close to the people. There is almost zero threshold, and the minimum is only 100 yuan, and you can buy it.
The latest issue of savings treasury bonds is a certificate-type treasury bond, and the interest is settled in a lump sum at maturity.
The interest rate on the three-year Treasury bond is 2.63% per annum.
If you deposit 40,000 yuan in China Construction Bank for three years, you can buy three-year treasury bonds. The interest at maturity of three years is:
40,000×2.63%×3=3,156 yuan
The interest rate on savings bonds is also higher than that on fixed deposits. If you encounter an urgent need for money halfway through, if you withdraw it in advance, you can also rely on the file to calculate interest.
The amount of money in hand is not large, and it can not be used for a long time, so it is really recommended that you buy savings bonds.
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.