Information > General article > Raiders channel > Novice loan >  text

How to deposit interest in 2015 is high? Four ways to pick with you!

Time: 2014-11-06         Source: Rong 360 original         Author: bamboo

        For those who don't want to take risks, bank deposits are an important means of financial management. So, how is deposit interest high in 2015? Experts teach you four tricks that are both simple and safe.

The first is to deposit in batches. Many people often encounter such a situation: just put a small amount of spare cash into a time deposit, and see that a year of expiration can yield good interest. At this time, the family is in a hurry to use the money. In the end, only a small amount of current interest is collected. If the money is split and deposited in the bank on a regular basis, once the cash is used urgently, one of the funds can be taken out, and the other deposit interest is not affected. Even when the funds are split, they are kept as small as possible. When there is a small amount of capital demand, only a small share will be accessed, so that it can meet the demand for money and maximize the interest income. For example, 100,000 yuan of funds are divided into 10,000 yuan, 30,000 yuan, and 60,000 yuan, respectively, to make one-year time deposits.

The second is to let interest regenerate interest. Usually we deposit a sum of money into a deposit and interest rate. After one year, the deposit has a little interest. For most people, it is entirely possible to take out the interest for the first year of the deposit, and then open a savings account with a deposit and deposit, and deposit the interest that is taken out. In the future, the interest generated in the first account will be fixed and deposited into the deposit and withdrawal account. In this way, not only the interest-bearing savings are earned, but also the interest is earned after participating in the deposit and saving. Small money can be saved into big money, and it can be saved as a deposit.

The third is the agreement to transfer. The agreed transfer is the bank's acceptance of the depositor's entrustment, and the account transfer is carried out according to the agreed transfer amount and transfer method on the transfer date entrusted by the depositor. Each of them needs to set 2 amounts, one is the transfer point amount, and the other is the current amount of the card. For example, the amount of the transfer point you set is 20,000 yuan, and the amount of the retained deposit is 10,000 yuan. When the amount of money in the user card is 20,000 yuan or more, the system will automatically leave 10,000 yuan of current deposit, and the rest will be Turn into a time deposit.

The last is to use the notice deposit. The notice deposit is divided into 1 day and 7 days, and the interest rate is much higher than the current period. The so-called 7-day notice deposit means that the bank will automatically transfer the deposit in 7 days. For example, the No. 1 deposit is taken on the 8th. This is 7 days, and the bank will calculate according to the 7-day interest rate. However, if the No. 1 deposit is taken at No. 10, then the bank will calculate the interest rate according to the 7-day interest rate for the first seven days and the daily interest rate for the next three days. At present, the annual interest rate of the bank's 7-day notice deposit is 1.35%, and the one-day rate is 0.8%. The current interest rate is 0.35%. There is no handling fee, but there must be at least 50,000 yuan in deposits.

Of course, the impact of Internet finance on commercial banks is also deepening. Many banks have also launched online "bao" products with a yield of 3% to 5%, which is very convenient. You may wish to try.

[Exclusive Manuscript and Disclaimer] Any work, such as "360 Original", without the written authorization of 360, may not be reproduced, extracted or otherwise used by any unit, organization or individual. If you have been authorized in writing, please indicate the source of 360. Anyone who violates the above statement and infringes on the legal rights and interests of Rong 360 shall be investigated for legal responsibility according to law. The materials and conclusions in the works are for user's reference only and do not constitute operational recommendations. To obtain written authorization, please send an email to: academy@rong360.com

Comment list (user comments are only for users to express their personal views, does not mean that the site agrees with its views or confirms its description)
you may also like
  • 2015 latest deposit interest rate table  On February 28, 2015, the central bank again announced a rate cut. Since March 1st, the benchmark interest rates for RMB loans and deposits of financial institutions have been lowered. The one-year lending benchmark interest rate of financial institutions was lowered by 0.25 percentage points to 5.35%; the one-year deposit benchmark interest rate was lowered by 0.25 percentage points to 2....
  • Which bank deposit interest is high in 2015?  In 2015, the Chinese economy officially entered the new normal. The new economic normal indicates that our country's economic growth has entered a new stage, while the central bank's monetary policy may enter the interest rate cut channel. Many people care about what they want to deposit after the central bank cuts interest rates, which 2015...
  • 2015 latest deposit benchmark interest rate table  Since June 28, 2015, the People's Bank of China has targeted targeted reductions in financial institutions to further support the development of the real economy and promote structural adjustment. (1) City commercial banks, non-county rural commercial silver, which account for the proportion of loans to agriculture, rural areas, etc.
  • What is the interest on 1 million deposits in 2016?  Many people are used to depositing money in banks, and the interest earned in different ways is different. The following is the 2016 bank deposit interest rate and interest calculation method. The bank interest rate table is shown in the following figure: Calculating the deposit interest of the deposit and withdrawal is based on the actual amount of the account opening date...
  • This type of deposit is three times higher than the regular interest, maybe you will fall in love  This article is the author of the 360 ​​column black bear love toss original works, only on behalf of the author's personal views, does not represent the official position of Rong 360, please contact the author's authorization. A few years ago, when the bank met P2P, the bank did not figure out what was going on, and many of them were ready to go to the bank to save money...