The four major banks cut interest rates from December 22. Recently, as I predicted, the national joint-stock banks have lowered the deposit interest rate, and the interest rate on deposits of various maturities has been reduced by 10-30 basis points, don't underestimate the interest rate cut, in the context of the previous reduction of the deposit interest rate, the annual interest rate of the one-year fixed deposit of the four major banks is not even 1.5%.
Suppose you deposit 150,000 yuan in the Bank of China at the latest interest rate, how much interest will you get after three years? Let's calculate it.
150,000 yuan survival period, how much interest after three years?
The latest annualized interest rate of Bank of China's demand deposit is 0.2%, no interest rate cut, as before, the interest that can be obtained after three years of deposit of 150,000 yuan is: 150,000 * 0.2% * 3 = 900 yuan
The interest on demand deposits is too small, and it is not recommended that you keep a large amount of money in demand deposits for a long time.
How much is the interest on a fixed deposit of 150,000 yuan after three years?
The focus of this interest rate cut is on time deposits and large certificates of deposit, so let's look at time deposits first. Bank of China's fixed deposits are divided into 3-month, 6-month, 1-year, 2-year, 3-year and 5-year tenors according to different tenors, and the annualized interest rates have all declined to varying degrees.
1. 3-month time deposit
The annualized interest rate before the interest rate cut was 1.25%, 1.15% before the interest rate cut, 150,000 yuan was deposited into a 3-month time deposit, and the accumulated interest was: 150,000 * 1.15% * 3 = 5,175 yuan, and the interest before the interest rate cut was 5,625 yuan, 450 yuan less.
2. 6-month fixed deposit
The latest annualized interest rate of Bank of China's latest 6-month time deposit is 1.35%, 1.45% before the interest rate cut, and the accumulated interest after three years of deposit is: 150,000 * 1.35% * 3 = 6,075 yuan, and the interest before the interest rate cut is 6,525 yuan, 450 yuan less.
3.1 year term deposit
The annualized interest rate of Bank of China's 1-year fixed deposit after the interest rate cut is 1.45%, 1.55% before the interest rate cut, and the accumulated interest is: 150,000 * 1.45% * 3 = 6252 yuan after three deposits, and the interest before the interest rate cut is 6975 yuan, 450 yuan less.
4.2 years term deposit
The annualized interest rate of the 2-year time deposit has dropped more, 1.65% after the interest rate cut, 1.85% before the interest rate cut, and the deposit for two years has become four years, and we convert the interest into a three-year income: 150,000 * 1.65% * 3 = 7,425 yuan, and the interest before the interest rate cut is 8,325 yuan, 900 yuan less.
5.3 years term deposit
The annualized interest rate of Bank of China's 3-year time deposit after the interest rate cut is 1.95%, which is 25 basis points lower than the 2.2% before the interest rate cut, and the interest after the deposit of 150,000 yuan is: 150,000 * 1.95% * 3 = 8,775 yuan, and the interest before the interest rate cut is 9,900 yuan, which is 1,125 yuan less.
6.5 Year Term Deposit
The annualized interest rate of the 5-year time deposit is 2%, 2.25% before the interest rate cut, and the interest is due 5 years after the deposit of 150,000 yuan, we still convert the interest into 3 years of income: 150,000 * 2% * 3 = 9,000 yuan, and the interest before the interest rate cut is 10,125 yuan, which is 1,125 yuan less.
150,000 yuan to buy a large certificate of deposit, what is the interest after three years?
There is a minimum deposit point requirement for large-amount certificates of deposit, at least 200,000 yuan can be bought, and 150,000 yuan does not meet the threshold standard, but we can scrape together 200,000 yuan with relatives and friends to buy again, and share the interest according to the proportion of the investment principal at maturity.
Certificates of Deposit are divided into 1 month, 3 months, 6 months, 1 year, 2 years and 3 years according to different tenors, and the interest is calculated as follows.
1. 1-month and 3-month certificates of deposit
The annualized interest rate of the Bank of China's 1-month and 3-month certificates of deposit is 1.5% after the interest rate cut, 1.6% before the interest rate cut, and the interest after three years of buying 150,000 yuan is: 150,000 * 1.5% * 3 = 6,750 yuan, and the interest before the interest rate cut is 7,200 yuan, which is 450 yuan less.
2. 6-month certificates of deposit
The annualized interest rate of Bank of China's 6-month large-amount certificate of deposit is 1.6%, 1.7% before the interest rate cut, and the cumulative interest that can be obtained after 3 years of deposit of 150,000 yuan is: 150,000 * 1.6% * 3 = 7,200 yuan, and the interest before the interest rate cut is 7,650 yuan, which is 450 yuan less.
3.1-year certificates of deposit
The annualized interest rate of the Bank of China's one-year large-amount certificate of deposit is 1.8%, which was 1.9% before, and the accumulated interest is 150,000 * 1.8% * 3 = 8,100 yuan after three purchases, and the interest before the interest rate cut is 8,550 yuan, which is 450 yuan less.
4. 2-year certificates of deposit
The annualized interest rate of the 2-year large-amount certificate of deposit is 1.9%, 2.15% before the interest rate cut, 150,000 yuan to purchase a two-year large-amount certificate of deposit, and the interest before and after the interest rate cut is: 150,000 * 1.9% * 3 = 8550 yuan, and the interest before the interest rate cut is 9675 yuan, 1125 yuan less.
5. 3-year certificates of deposit
Bank of China's 3-year large-amount certificate of deposit is the largest variety of interest rate cuts, directly from 2.65% to 2.35%, three years after the purchase of interest, the cumulative interest is: 150,000 * 2.35% * 3 = 10,575 yuan, the interest before the interest rate cut is 11,925 yuan, less than 1,350 yuan.
From the above calculations, it can be found that the 3-year large-denomination certificates of deposit are most affected by this interest rate cut, followed by 3-year fixed deposits, 2-year fixed deposits and 2-year large-denomination certificates of deposit, and the interest rate cuts for fixed deposits and large-denomination certificates of deposit within 1 year (inclusive) are less, only 10 basis points.
The reduction in deposit rates is to reduce the pressure on banks, narrow net interest margins, and give banks a sigh of relief so that they can better lower lending rates to serve the real economy. From this point of view, it is actually the depositors who really make profits for the real economy, what do you think?
#文章首发挑战赛#