How does general view of interest rate of newest bank deposit retain cash interest highest?

Dragon boat festival comes home, the adult on the mother asked me a thing.

"Did the saving interest rate of the bank go up recently? I see a lot of people saying. I see a lot of people saying..

Hum? Went up? How don't I know? Missed major news... went searching relevant report on Mimima.

One,

This is checked, I just know is how bout thing.

The similar caption in pursueing recently cans be found everywhere, at first sight, still hold out bluff person.

After reckonning a lot of classmates see, the first reaction is: Saving interest rate went up 40% , so big range, that can be put!

However, the fact is not such, rice rice explains an explanation to everybody.

The Central Bank has unified deposit standard interest rate, it attributes interest rate of a directiveness.

Of interest rate of saving of each big commercial bank make choose a site for the capital need to deposit money with " " of standard interest rate is a foundation, undertake be adjustmented appropriately again next, can appear at this moment the phenomenon of " rise " .

For instance, the Central Bank a year period the interest rate that puts surely is 1.5% , industrial and commercial bank is 1.75% , such word, the photograph of saving interest rate of industrial and commercial bank relatively the rise of standard interest rate at the Central Bank 16.7% .

"The deposit that rise " is a Central Bank is fiducial interest rate serves as compare an object, not be before be aimed at one year each saving interest rate of big bank undertakes comparative.

The attune on rise ≠ , rise of saving interest rate is annual the phenomenon that exists. Do not see headline so, think bank deposit interest rate rises somewhat.

2,

To make everybody clearer recent bank deposit interest rate, rice rice is with Beijing area exemple, chose 30 banks to make count (in the light of whole put work extraction deposit way) .

(data ends at the beginning of April)

Adopt this plan, we can discover the particle of a few keys:

The current saving interest rate of the bank is very low, most even the standard interest rate under the Central Bank;

5 big saving interest rate is endless also and same, among them Bank of China and the saving interest rate that build a bank are higher;

5 years period time deposit interest rate mixes 3 years period keep balance basically;

The saving interest rate of city commercial firm is average prep above is state-owned big.

3,

Put money way to do sth is very actually much also, it is 5 big, interest rate difference is very big also.

When depositing money so, how does ability gain higher income?

Choose the bank with a high interest rate

Deposit also cannot too optional, had wanted after all to want to be in which bank to put certainly.

Generally speaking, bigger, site jumps over the dimensions of the bank much, do not need money more, so the interest rate of state-owned bank is lowest normally, share-holding system bank next, the interest rate of city commercial firm is top.

The bank of merchant of short for Zhejiang Province that mentions in rice rice form, bank that include business, Chengjing bank, tianjin bank, interest rate is higher.

Everybody also need not fear money existence small bank is insecure, if it were not for is in false bank deposit, no matter big bank still is small bank, deposit very rely on chart.

2~3 year time deposit is more appropriate

Deposit time limit passes short word, interest rate is average very low.

For instance interest rate of saving of 3 lunar period has state-owned bank only 1.35% , 10 thousand yuan put one annual interest to cease to have 135 yuan only, have pity on really less.

Time is too long nevertheless improper also, 5 years period deposit had better not consider.

3 years period with 5 years period difference of interest rate itself is not big, in case to the 4th year when need spends money, ahead of schedule draw money can according to current 0.3% go plan breath, such meetings eat quite too deficient.

So Mimijiao gets 2~3 year the time deposit between is more appropriate.

Can adopt the method that puts money dispersedly

Distribute the fund in him hand a few, will deposit money according to different deadline.

Cite a case to everybody: King rice has 50 thousand yuan to want to put a bank, but later may use this fund, then she takes the pattern that puts money dispersedly.

Here not be to put different bank dispersedly, put different time limit however.

For instance 10 thousand yuan put 3 months, 10 thousand yuan put 6 months, 20 thousand yuan put 1 year, 10 thousand yuan put 2 years, the pattern that and when deposit money the option expires automatic add puts.

If intermediate need uses fund, at least has one share cash to be able to enjoy regular interest.

12 sheet put a way surely

Take out certain proportion every months to make sheet of a calm deposit from inside salary, deadline is set for a year.

Every month so do, come down one year we can have 12 pieces one year period time deposit is odd.

Rise from the 2nd year so, we can have every month a piece of deposit receipt expires, if have urgent need, can use, also won't loss deposit accrual.

If do not have urgent need, OK and automatic add collects these deposit receipt.

And rise from the 2nd year, in this piece of deposit receipt that can add the money that should put every months to that month to expire, make sheet of a piece of deposit afresh, continue to roll deposit.

This method to what just go to work party of hand of moon a group of things with common features, chop particularly appropriate, and deposit money compared with the announcement, 0 put whole take wait for deposit means, interest rate also wants a lot of taller.

When having a large sum of money, the most trustful memory ground still is a bank. Watch of saving interest rate and deposit method need not be used, but must know.