Hello everyone, ^-^ I am the "way" that can let you know more about bank deposit products!
Solemn statement: This article is not advertising, no interest, no investment advice, only represent my views to share.
This morning, a group of friends broke the news that many 4.2% of the products in the transfer zone of Zhongli Cun were surprised, and the most critical transaction date of this batch of Zhongli Cun transfer products was yesterday (September 3).
If you have paid attention to the products of Zhongli Storage, you should know that the 5-year Zhongli Storage currently on sale on various platforms is 4.0%, and the 3-year Zhongli Storage is 3.0%.
In this issue, let's talk about this "high-interest bank deposit" and these transfer bank deposit products with this "SAO operation" of Zhongbang Bank.
<h1 class="pgc-h-arrow-right" > where did the high-interest mass deposit come from? </h1>
This batch of high-interest public deposits comes from the VIP area in the Zhongbang Bank APP. This VIP area is mainly for Diamond Card users or targeted users of Zhongbang Bank.
Interested friends, may wish to call the customer service phone to see if you can help you open the permission (do not be frightened by 1 million, the current understanding of the situation, in fact, the average daily to 50,000, you can open the permission).
In fact, there are 2 series of products in the zone, duobangli (please ignore) and zhongli storage.
The difference between them and ordinary multi-bank products is mainly in interest rates. The interest rate of the VIP Zone Zhongli is 0.2% more than that of the ordinary version of Zhongli. Don't underestimate the 0.2% interest rate, a little bit of detail about its impact.
<h1 class="pgc-h-arrow-right" > transfer risk associated with interest rate hikes</h1>
In fact, the previous interest rate cuts of Zhongbang Bank have been continuous for a period of time, and there have been several waves. Whether it is the Save or the public force, from the dominant products to the current state of chicken ribs.
The reason for the 0.2% increase in bank interest rates is actually not difficult to guess. Limited by the factors of the product, although zhongbang bank has more access channels. However, the situation of users and reserves is inconsistent with expectations. Raising interest rates is the simplest choice for violence.
However, here's the point! Interest rate hikes are not wrong, good for new users, but it is difficult to say a word for old users!
If there are friends who try to transfer 4.0% and 3.0% of Zhongli today, it is likely to be a very slow transfer process!
Why?
If a user chooses to buy a product that is transferred, it is bound to choose a product with a higher interest rate. If you know now that there are still 4.2% of the products on sale, but every normal person will not choose to accept 4.0% of the products! This will have a serious consequence, and your product transfer is likely to be unannounced.
And this situation is actually the biggest risk of this transferable product: no one is transferred! And this risk often occurs when similar products generate interest rate hikes!
<h1 class= "pgc-h-arrow-right" > the consequences of extreme cases of transfer products</h1>
So if you are in a hurry to use the money if you are unashamed for a long time? What to do?
Fortunately, this product still supports early withdrawal, but if you withdraw early, you can only calculate interest according to the current period. Are you willing to lose the unmatured interest in vain?
But what if you hold it for 5 years? Big brother, then you directly choose 5-year fixed deposits (basically at 4.875%+, some also pay interest in advance) is not more fragrant? Not to mention that there are now various types of innovative deposit products to choose from!
It is also added here that for now, interest rates should still be a downward trend. This kind of interest rate hike by Zhongbang Bank should still be a short-term behavior. (According to today's situation, the transfer of the interest rate of more than 4.0% of the current Zhongli Deposit product will basically take a morning to consume.) After that, some uninformed users choose the transfer of these low-interest products. ）
<h1 class="pgc-h-arrow-right" > 3 recommendations and 1 warning</h1>
I believe that friends who want to buy Zhongli Cun, in fact, the most valued it is the selling point that can be "transferred".
So I have 2 suggestions here for friends who are interested in buying Zhongli Storage for reference.
The first suggestion, may wish to go to the transfer area in the morning to find, more than 4.2% of the products should be more than a lot, the future is easier to transfer out;
The second suggestion, you can try to contact customer service to apply for the opening of the VIP area (whether you can open it depends on your communication skills), save 4.2% of the product, and it will be easier to transfer it in the future;
The third suggestion, if the funds are abundant (200,000 +), you may wish to consider the large-amount certificate of deposit A/B of WeBank, the transfer efficiency is higher, and you can also pay interest on a monthly basis (see the previous article, there is a detailed analysis), and it is easier to transfer it in the future;
In addition, there is a warning, friends who see it can consider it,
1. Try not to buy 4.0% and 3.0% versions of Zhongli Storage, even if it is transferred, it is not easy to transfer it in the future;
Of course, the above is purely a personal opinion sharing, for your reference only.
<h1 class="pgc-h-arrow-right" > summary</h1>
Bank deposits are certainly principal and interest guaranteed, but in the case of ensuring safety, there can be higher interest rates and better flexibility, why not enjoy it?