Bank deposits are rising interest rates again? The interest due on a deposit of 300,000 is as high as 385%
Has your bank savings rate increased? Up to 385% interest, deposit 300,000, and 57,750 interest at the end of the year.
Such a high interest rate, many people may think it is incredible, but in fact it exists, although most of the bank interest rates have been reduced, but there will always be some people who have escaped this catastrophe, which we can clearly understand.
First of all, according to the classification of banks, banks are divided into large state-owned banks, large joint-stock commercial banks, local banks, private banks, etc., and the larger the bank, the lower the interest rate, such as the six major state-owned banks, their highest interest is only 29%。
Compared with state-owned banks, the interest rate of other joint-stock commercial banks is higher than that of state-owned banks, because their overall strength is gradually declining, and increasing the deposit interest rate is a way for banks to attract savings, so the interest rate on savings of smaller banks is also higher.
Secondly, in terms of financial management, demand deposits have no limit and low interest, while time deposits have relatively high interest rates, because the flexibility is relatively small, but the entry threshold is not high, while large deposits, large certificates of deposit, etc., because they require a certain amount of funds, so the threshold is relatively high, and the interest is relatively high.
So, have the interest rates on bank savings increased? There is a kind of bank where the interest can reach 3What about 85%?
After investigation, there is indeed such an interest rate, for example, Xinnet, their five-year fixed deposit interest rate is 385%, 300,000 fixed deposits, the interest after maturity is 57750, compared to those banks with low interest rates.
Therefore, for the interest rate to maturity is relatively high, we can also call this differentiated interest rate "bank savings interest increase". So, is it worth it?
Although the interest rate is high, it is also very cost-effective, but it is important to know that this type of bank does not have many business locations, and most of the services are carried out online, such as mobile banking.
Therefore, when making a selection, it is necessary to be clear and specific, and the selection of commodities cannot be carried out, only after ensuring the characteristics of commodities, the safety of funds does not have to worry, and ultimately profits can be maximized.