Today is December 20th, and CCB, as one of the six major state-owned banks, has strong strength and business outlets all over the country. In addition, CCB is also ranked 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?
current
For demand deposits, everyone should know and know. Here is a reminder to all depositors: whoever puts the money in the survival period is a big fool.
Because the interest rate of demand deposits is very low. It's not that any bank is low, it's that all banks are low. Moreover, it is still the outrageously low kind. During the survival period of the money, it is equivalent to 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. Put 40,000 yuan, in the survival period, the interest of that year is:
40,000×0.20%=80 yuan
In the life period of 40,000 yuan, the interest for one year is only 80 yuan. This can no longer be called saving money, it is working for the bank for a day. Then the bank saw that you were too stupid, and a little unbearable, and finally reluctantly gave you a little hard money.
The demand deposit is principal and interest guaranteed, which is its advantage. However, we can't save money as long as it's safe, and we don't want any interest at all.
The survival period of money is "money is stupid", we must not do it.
Call Deposits
Here I would like to praise all the depositors who have deposited a call deposit are people who have studied the deposit of money and are especially good at taking care of it.
Because the flexibility of call deposit is very good, it is especially suitable for the majority of middle-aged and elderly depositors.
In CCB, there are two types of call deposits:
The interest rate is 0.90% p.a. for one-day call deposits. For each day you deposit, the bank will settle the interest on you. If you save for more than one day, you will settle the interest as many times as you want.
The interest rate for 7-day call deposits is 1.45% per annum. Every seven days you deposit, the bank will settle the interest for you. The interest will be settled as many times as you save for seven days.
Call deposits, which are also deposited through a fixed passbook. In fact, it is equivalent to a one-day fixed deposit and a seven-day fixed deposit.
Like many savers, they have money in their hands, but they can't save long-term deposits. Put it in the current account, there is no interest. Many depositors only recognize banks when they deposit money. In this case, you can deposit the money in the bank's notice deposit.
regular
It must be said here that all savers who like to keep their money in a fixed period are down-to-earth and very pragmatic people in life.
Some people don't like to save time deposits, and they don't like time deposits in their hearts. People who think that they have a fixed term are a group of old antiques. They prefer to use their money for financial management, or speculate in funds, stocks, etc.
The bank I work for often has this kind of customer. When he sees others saving a fixed amount, he will ridicule him, saying that the interest on the fixed deposit for one year is not as much as he earns in a day.
But what about the result?
Many people have speculated in funds and stocks for many years, and in the end, they have proved that they are tossing around. Because not a penny was earned, not to mention, the principal was still a mess.
And those who save a fixed period do not need to worry about anything, eat well, and sleep soundly. You just need to wait for the maturity and go to the bank to withdraw the principal and interest.
Fixed deposits, drought and flood protection, is the most suitable way for ordinary people to save money.
CCB, time deposit, the latest deposit interest rate table is as follows:
For a three-month term, the interest rate is 1.50% per annum. Put 40,000 yuan, save it for three months, and the interest for three months at maturity is:
40,000×1.50%÷4=150 yuan
For a six-month term, the interest rate is 1.70% per annum. Put 40,000 yuan, save it for six months, and the interest for six months at maturity is:
40,000×1.70%÷2=340 yuan
For a one-year term, the interest rate is 1.80% per annum. Put 40,000 yuan, save it for a one-year fixed term, and the interest for one year at maturity is:
40,000 ×1.80% = 720 forecast
For two-year term, the interest rate is 2.10% per annum. Put 40,000 yuan and deposit it for two years, and the interest for two years is:
40,000 ×2.10%×2=1,680 yuan
For a three-year term, the interest rate is 2.60% per annum. Put 40,000 yuan and save it for a three-year fixed term, and the interest for three years at maturity is:
40,000×2.60%×3=3,120 yuan
Five-year term with an interest rate of 2.65% per annum. Put 40,000 yuan and save it for a five-year fixed term, and the interest for five years at maturity is:
40,000×2.65%×5=5,300 yuan
Large certificates of deposit
Large-denomination certificates of deposit are not simple, and those who can afford to buy large-denomination certificates of deposit must be wealthy. Because there is a threshold for the amount of large-value certificates of deposit, a minimum purchase of 200,000 yuan is required.
CCB, 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%.
The interest rate on large certificates of deposit is higher than that on fixed deposits. For the same deposit amount, it must be to buy a large certificate of deposit, and get more interest.
However, there is a limit on the amount of large-denomination certificates of deposit, which rejects most depositors.
For small deposits, go to the fixed deposit.
If you have a large amount of deposits (up to 200,000), you can buy a large amount of certificates 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.
If you buy a three-year treasury bond for 40,000 yuan, the interest for three years at maturity is:
40,000×2.63%×3=3,156 yuan
Put 40,000 yuan to buy a five-year treasury bond, and the interest at maturity for five years is:
40,000×2.75%×5=5,500 yuan
The interest rate on savings bonds is higher than that on fixed deposits. Moreover, if you withdraw it in advance halfway, you can also rely on the file to calculate interest according to how long you have been saving.
If you have money in your hand and you can not use it for three or five years, it is really recommended to 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.