Today is December 4th, Bank of Communications, as one of the six major state-owned banks, has strong strength and business outlets all over the country. In addition, the deposit interest rate of Bank of Communications is the highest among the large state-owned banks.
The large state-owned banks are well-known, safe to deposit money, and relatively high deposit interest rates. Many low-level people like to store their money in the Bank of Communications.
Let's take a look at how much interest can be if you deposit 50,000 yuan in Bank of Communications for a year
1 .Current
As a veteran state-owned bank, Bank of Communications also has a lot of money deposit activities. Like current, fixed, treasury bonds, wealth management, ** and insurance products. There are all kinds of savings activities.
Among them, among all deposits, the interest rate of demand deposits is the lowest.
At present, the interest rate of demand deposits of Bank of Communications is only a pitiful annualized 020%。Put 50,000 yuan, in the survival period, one year's interest is:
50,000 020% 100 RMB.
If 50,000 yuan has a one-year survival period, the interest is only 100 yuan. This can no longer be called saving money, that is, taking your own money and working for the bank for a day. Then the bank president saw that you came all the way to deposit money, and it was very hard, so he gave you 100 yuan for hard work.
We often say that saving money comes first. Demand deposits are very safe, principal and interest guaranteed. However, it is not possible to just be safe and not interest-free. This kind of stupid thing to do for the bank for a day job, you must not do it.
2 .Call Deposits
When it comes to call deposits, it is estimated that many people do not know much about it. Not to mention that you have been to the bank to deposit, even if you have heard of it, you may not have heard of it.
In fact, the call deposit is not mysterious, it is a special kind of fixed deposit. There are two main reasons why it is special:
First, it has an amount threshold limit, requiring a minimum deposit of 50,000 yuan.
The second is that it has a very short duration, only one day and seven days, and it is particularly flexible.
Like many elderly savers, they dare not save their money in fixed long-term deposits. Because of physical reasons, you may need money to get sick or stay in the hospital. If you have a long-term deposit, once you use the money in the middle and withdraw it early, all the interest will be lost.
Moreover, many elderly people do not know how to use smartphones, and they cannot save them in WeChat and Alipay. In this case, you can deposit the money in the notice deposit.
For Bank of Communications, there are two types of call deposits: one-day call deposit and seven-day call deposit.
Put 50,000 yuan and save itOne-day call depositThe interest rate is 045%。The interest for each day is:
50,000 045%÷365＝0.62 yuan.
For every day you deposit, you can get 062 yuan. If you save for a year, you will have an interest of 225 yuan.
Put 50,000 yuan and save itSeven-day call depositThe interest rate is 1 per annum0%。The interest for every seven days is:
50,000 10%×7÷365＝9.$6.
For every seven days of deposit, you can get 9$6. If you save for a year, you will have an interest of 500 yuan.
Call deposit, guaranteed principal and interest, very flexible. If you have spare money in your hands, however, you may have to use it in ten days and half a month. Then you can put the money in the call deposit.
3 .Periodically
Fixed deposits, I believe most people, should be more familiar. Even if you don't go to the bank regularly to deposit money, you should know a thing or two about regular periods.
We ordinary people save money, generally there are three requirements: first, safety. Second, it should be easy to deposit and withdraw money. Third, you can also get a certain amount of interest income. Fixed deposits perfectly meet these three requirements.
First of all, fixed deposit, is written in black and white with guaranteed principal and interest. On the fixed passbook (certificate of deposit), the amount, time, and interest rate of your deposit money are all printed clearly.
It is no exaggeration to say that if you deposit your money regularly, you only need to protect your password and you can sit back and relax.
Secondly, fixed deposits, as long as the bank is open, you can say withdraw money at any time. Regardless of whether it expires or not, whether it is a holiday or not, you can withdraw money unimpeded.
Finally, the interest rate on fixed deposits, is OK. It's not very high, but it's not low either. It can already play a certain role in maintaining and increasing value.
Fixed deposits are the most suitable way for ordinary people to save money.
Bank of Communications, fixed one-year deposit, the interest rate is 205%。Put 50,000 yuan, save it for a fixed period of one year, and the interest for one year at maturity is:
50,000 205% 1025 yuan.
50,000 yuan is deposited for a fixed period of one year, and the interest is 1,025 yuan. It can not only ensure the safety of the principal, but also have so much interest income, which is already quite good.
Personally, I recommend that you go to the Bank of Communications to deposit a fixed term. Because, among the six major state-owned banks, the interest rate of Bank of Communications' fixed deposits is the highest.
Like a fixed one-year, China, agriculture, industry, and construction, these four large state-owned banks, the interest rate is only 1 per annum80%。Among them, the Agricultural Bank of China still relies on the file to calculate interest. The deposit amount must reach 30,000 yuan, and the interest rate is 180%。
Another large state-owned bank, the Postal Savings Bank, has a slightly higher one-year interest rate, which is only 1 per annum85%。
The same 50,000 yuan, deposited in the Bank of Communications for a fixed period of one year, is 125 yuan more than stored in several other large state-owned banks, and the interest is 125 yuan more a year.
For the same principal and interest protection, the higher the interest rate, the better. Therefore, depositors who like to deposit time can consider Bank of Communications.
4 .Other savings activities
As a large state-owned bank, Bank of Communications has many other money saving activities. Like wealth management, ** and various bancassurance products, etc.
But,Manage your moneywith, all of which are risky. And, the higher the return, the greater the risk. It is not easy for us ordinary people to have a little money in our hands, so we must stay away from risks.
WhileBancassurance products, are medium and long-term planning, the time is particularly long. Moreover, there are some bank employees who sell insurance, which are very non-compliant and deceive depositors.
For the above three ways to save money, it is better for us ordinary people to stay away.
Bank of Communications, as a large state-owned bank, has strong strength. The biggest advantage of depositing money in Bank of Communications is that you never have to worry about the bank going bankrupt one day.
Moreover, the business outlets of Bank of Communications are also all over the country. No matter where you go, it is very convenient to deposit and withdraw money.
The big state-owned banks are well-known, safe to deposit money, and easy to deposit and withdraw money. We ordinary people, it is a very good choice to deposit money in the Bank of Communications.