Like other wealth management products, treasury bonds also have a specified investment period, which is generally relatively long, with 3 years, 5 years or even 10 years, and can only be held to obtain the specified expected returns. Investors can also withdraw treasury bonds in advance if they encounter an emergency, but not all types of treasury bonds can be withdrawn in advance. Can the certificate treasury bonds be withdrawn in advance?
Certificate-type treasury bonds, that is, after we buy this treasury bond, we will have a certificate. It is a lump sum repayment of principal and interest at maturity, which means that we can only get the principal plus interest in a lump sum when it matures. Does that mean that when money is urgently needed, there is no way to withdraw the certificate treasury bonds in advance?
In fact, certificate treasury bonds are allowed to be withdrawn in advance. However, the investor must withdraw in full, and partial withdrawal in advance is not allowed, except for the deduction of funds frozen by law. Certificate-type treasury bonds can be withdrawn in advance from the day after the purchase date to the maturity date, except for the last day of the issuance period.
The purchase method of certificate treasury bonds is mainly at the bank counter, and the physical certificate treasury bonds purchased here will have a treasury bond receipt certificate. Therefore, if investors want to withdraw in advance, they need to bring their valid personal identity documents and the receipt voucher of the treasury bonds, and go to the designated outlets to go through the early payment procedures. Certificate-type treasury bonds generally use the method of calculating interest by grade.
In short, certificate treasury bonds, it can be provided to withdraw, but it will lose a small part of the income, and there is a certain handling fee. However, certificate treasury bonds are still more suitable for stable investors, and if they are held for a long time, they can bring good returns, and when they encounter urgent need for money, they can also be withdrawn in advance to solve the current problem.