How much interest can I get on a deposit of 200,000 yuan in the Postal Savings Bank in a year? This is a question asked by a fan friend, and I believe that many depositors have the same confusion, so I think this content is very representative, so let's take a closer look at it together.
Postal Savings Bank of China, it belongs to one of the six major state-owned banks, its scale and strength are naturally needless to say, business outlets are distributed throughout the country, as large as every city, small to the township area has postal savings bank business outlets, which is also an important reason why it is well known to many people.
So how much interest can I get a year on a deposit of 200,000 yuan in the Postal Savings Bank? We might as well calculate it by checking the interest rate announced by the bank.
First of all, from the name of the product, if 200,000 yuan is deposited as a demand deposit, the current savings interest rate is 02% is calculated at a glance, and the interest is 400 yuan a year. This interest is really a bit small, you may feel strange or even incredible, 200,000 yuan principal is also a huge amount, why is the annual interest only 400 yuan? In fact, this interest rate is related to the characteristics of the product, the flexibility of demand savings is very high, it can be withdrawn at any time, and for the bank, the interest to depositors is because the deposit itself also has to bring benefits to the bank, and the demand deposit may be withdrawn at any time, so the bank can not accurately invest and make profits, so the interest rate is naturally very low.
Secondly, we choose the most and very familiar time deposits, 200,000 yuan if deposited into a fixed term, the interest rate is naturally much higher than the current deposit, but it also has a lot to do with the deposit period, such as the shortest term of three months, the interest rate is 14%, and the time of copying and transferring four times a week is exactly one year, so that the interest that can be obtained in one year is 2,800 yuan, and the interest rate for six months is 175%, the same calculation, the one-year interest is 3500 yuan, and the one-year interest rate is 195%, the interest that can be obtained in one year is 3900 yuan, the interest rate for two years is 2%, the interest that can be obtained in one year is 4000 yuan, and the interest rate for three years is 235%, the interest that can be obtained in a year is 4,700 yuan, that is to say, if 200,000 yuan is deposited in the Postal Savings Bank, the maximum interest income can be 4,700 yuan a year.
However, there is a product with higher stability and higher threshold requirements, that is, large-amount certificates of deposit, which have higher requirements at the same time, the interest rate is relatively high, and the amount of funds of 200,000 yuan just meets the requirements of large-amount certificates of deposit, and the minimum deposit amount of large-amount certificates of deposit is 200,000 yuan, which is completely consistent with time deposits, and is also a deposit savings product, which belongs to the guaranteed principal and interest, and is also protected by the deposit insurance system.
Its advantages are very obvious, the most dazzling is the higher interest rate, take the three-year large certificate of deposit, the interest rate can reach 2About 5%, if you choose a large certificate of deposit, the interest you can get a year is 5,000 yuan, and the interest income is higher than all previous products.
To sum up, the minimum interest rate for a year is 400 yuan and the maximum interest is about 6,000 yuan, which means that the interest income for a year is not the same, the minimum interest rate is 400 yuan and the maximum is 6,000 yuan. The security of funds is completely consistent, on the premise of ensuring the safety of principal and interest, it can be seen that if you want to get higher interest when depositing, you also need to make the right choice, only in this way can you maximize your benefits.