Today is December 19th, and when it comes to China Construction Bank, this powerful institution among the six major state-owned banks can be described as a household name, and its business outlets are everywhere throughout the country. On the Forbes list of global banks, China Construction Bank actually ranked second, second only to the bank known as "the largest bank in the universe".
Such a large state-owned bank undoubtedly has a high reputation, and people feel that saving money here is both powerful and safe and reliable. As a result, many depositors prefer to keep their idle funds in a safe place with CCB.
So, if we deposit 40,000 yuan in CCB for three years, how much interest can we get?
1.Current.
Let's talk about demand deposits first, and I would like to remind everyone: anyone who chooses to deposit money in demand is simply working as a "wage earner" for the bank. This is because the interest rate on demand deposits is quite low.
At present, CCB's demand deposit interest rate is only 020%。Suppose we deposit 40,000 yuan into a current account, and the interest for one year is only:
40,000 020% = $80.
This means that 40,000 yuan is deposited into a current account, and the interest for a whole year is only 80 yuan. According to this interest rate, even if you save for three years, the total interest is only 240 yuan. Considering that the interest rate on bank deposits is falling every year, the actual interest may not even be 240 yuan.
Demand deposits are of course principal and interest guaranteed, and they are very flexible. But we can't just go for security and give up the opportunity to pursue more interest. After all, the survival period of money is really a bit of a "money is stupid".
Regular. Here, I have to praise the savers who like to choose fixed deposits, they are really down-to-earth and very pragmatic people in life.
Because the deposit period is very simple, there is no routine at all. Deposit your money, remember to protect your password, and then you can wait for the principal and interest to be withdrawn at maturity. Don't worry about anything at all, just sit back and wait for the money to double.
Fixed deposits are a particularly safe choice, and you are not afraid of anything that happens. Some people just don't like this routine. When I see someone else's time shelf, I will laugh at it and say that it is an old antique.
These people would rather take the money to speculate on ** and tickets, and start talking about finance when they meet. Outsiders accidentally think they are such senior experts. However, what about the facts?
Many people have been busy for several years, and in the end they didn't get anything, and the principal was put in a miserable way. Compared with those who are old-fashioned and fixed-term, people can steadily receive interest every year. Instead of an old antique, it's more like a wise fool.
With 40,000 yuan, it will be deposited in China Construction Bank for three years, and you can choose to save it for three years. The annual interest rate is 260% with interest at maturity for three years is:
40,000 260% 3 3120 yuan.
The biggest advantage of a three-year deposit term is that the interest rate is relatively high. Moreover, you don't have to worry about the bank cutting interest rates for these three years. No matter how the interest rate falls, the interest at maturity will not be less.
Of course, the three-year term is relatively long, and the flexibility is a little less. If there is something urgent and you need to withdraw the money in advance, then all the interest will be settled according to the current interest rate. In other words, all the regular interest is lost.
There are 40,000 yuan, which can be deposited in China Construction Bank for three years. You can also choose to deposit for one year, and then roll over one year after the expiration date.
CCB's one-year fixed deposit interest rate is 1 per annum80%。If you save 40,000 yuan for a fixed period of one year, the interest for one year will be 720 yuan. According to this interest rate, if you redeposit it year by year, the total interest for three years is 2,160 yuan. However, the interest rate on our bank deposits is declining every year, so the interest on the redeposit will definitely decrease year by year, and the total interest for three years may not reach 2,160 yuan.
One of the advantages of a one-time deposit for three years is that the interest rate is higher and it can also lock in interest income for three years. However, the disadvantage of this method is that it has a longer term and is less flexible. If you withdraw early, you will lose all the regular interest.
In contrast, the year-to-year rollover method has its advantages and disadvantages. The advantage is that it is more flexible, but the disadvantage is that the interest rate is lower and it is susceptible to interest rate cuts, resulting in less interest year after year.
Therefore, when depositing a fixed period, you must choose the most suitable period according to your actual situation. If it is determined that the funds can be used for three years, then a one-time deposit for three years can be considered. If you are not sure whether you will need money in the next three years, it is better to choose to roll over the money year by year, which is more secure.
In addition, there is another option to buy savings bonds. If you deposit 40,000 yuan in CCB for three years, you can buy savings 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 per annum63%。
If you use 40,000 yuan to buy a three-year treasury bond, the interest after three years will be 3,156 yuan. Treasury bonds have higher interest rates than fixed deposits and are more flexible. If the fixed deposit is withdrawn in advance, all interest will be calculated according to the current interest rate, but the withdrawal of treasury bonds can be calculated according to the grade. If you have spare money to save for three or five years, it is a good idea to buy treasury bonds.
There are many misconceptions about government bonds, and some people think that ordinary people can't buy them at all, and even think that the quota has been booked internally. This is an outrageous idea. Many people can't buy Treasury bonds because of their own problems. Someone knew that the treasury bonds were going to be issued, and they told him, but he just didn't take it seriously and didn't go to the bank until almost noon
It is not difficult to buy government bonds, as long as you do enough preparation, you can easily buy them. CCB is a long-established state-owned bank with strong strength, and the biggest advantage of keeping money there is that you never have to worry about bank bankruptcy. Moreover, CCB has branches all over the country, making it easy to deposit and withdraw money wherever you go.