As we all know, Bank of China is one of the 6 largest state-owned banks. Its comprehensive strength is second only to Industrial and Commercial Bank of China, China Construction Bank and Agricultural Bank of China, and ranks fourth in the domestic banking industry. Since the beginning of this year, the six major state-owned banks have lowered their deposit interest rates three times in a row, and the Bank of China is among them. Recently, the Bank of China has made a new adjustment to the deposit interest rate. At present, China's deposit interest rate is showing a downward trend and has hit a record low.
As a result, some netizens raised the question of how much interest can you get if you deposit 200,000 yuan in Bank of China?In this regard, some industry insiders said: different deposit varieties and different deposit periods give different deposit interest rates. If you put a 200,000 life deposit, the current deposit interest rate of Bank of China is only 02%, even if the depositor saves 200,000 yuan for a year, there is only 400 yuan of interest income, which is too low.
In fact, for banks, they prefer depositors' survival deposits, so that they can give lower deposit interest rates, banks' financing costs will be significantly reduced, and the spread between deposits and loans will be further expanded. And for depositors, it must be a loss to deposit their money for the survival period. It is recommended that as long as the deposit exceeds 30,000 yuan, you can deposit a fixed deposit.
Many people may suggest that I should withdraw this fund from the book at any time. But in fact, the money you need at any time can also be saved for 3 months or 6 months, so that the interest income will be much higher. Even if you want to use the money in advance, it will be calculated as the current deposit interest rate at most.
1. Bank of China's 3-month deposit interest is 15%, if you deposit 200,000, you can get 200,000 15% 4 = $750 interest.
2. Bank of China's 6-month deposit interest is 17%, if you deposit 200,000, you can get 200,000 17% 2 = $1,700 interest.
Of course, in real life, most savers will not choose a 3-month or 6-month fixed deposit, mainly because the time is too short and the interest is too low. People often choose 1-year, 2-year, and 3-year fixed deposits. If you deposit 200,000 yuan in a 1-year deposit, the maturity interest rate is 3,600 yuan, although the income is not high, but at least you can ensure that the principal is not lost.
1. The interest rate of the 1-year deposit of Bank of China is 18%, if you deposit 200,000, you can get 200,000 18% = $3,600 interest.
2. The interest rate of the 2-year deposit of Bank of China is 21%, if you deposit 200,000, you can get 200,000 21% 2 = 8,400 yuan interest.
3. The interest rate of the 3-year deposit of Bank of China is 265%, if you deposit 200,000, you can get 200,000 265%х3=1.$59 interest. Recently, however, I heard that some banks have cancelled their three-year term subscriptions because they are not short of money. Therefore, if a depositor wants to save a 3-year fixed deposit now, he should still deposit the money early.
In fact, now the Bank of China has also launched a large-value certificate of deposit business, and the threshold for large-value certificates of deposit is more than 200,000 yuan. It is worth mentioning that the difference between the interest rates of large certificates of deposit and fixed deposits of Bank of China is very small. At present, domestic people mainly buy large-amount certificates of deposit with tenors of 1 year, 2 years, and 3 years
1. The interest rate of the one-year large-denomination certificate of deposit of the Bank of China is 190%, if you deposit 200,000, you can get 200,000 190% = $3,800 interest.
2. The interest rate of the 2-year large-denomination certificate of deposit of the Bank of China is 215%, if you deposit 200,000, you can get 200,000 215% 2 = $8,600 interest.
3. The interest rate of the Bank of China's 3-year large-denomination certificate of deposit is 265%, if you deposit 200,000, you can get 200,000 265% 3 = 15,900 yuan interest.