How much the specific deposit interest rate rises is slightly different from bank to bank. Annual interest rate of various loans%: within one year (including one year) 4.35 from one to five years (including five years) 4.75 for more than five years 4.90 for personal housing provident fund loans%: less than five years (including five years) 2.75 for more than five years 3.25.

3. What's the interest on the certificate of deposit?

Interest on certificates of deposit: the loan interest rate shall be subject to the loan interest rate of the same period and grade specified by the People's Bank of China, and the expected annualized interest rate of certificates of deposit shall be subject to the benchmark expected annualized interest rate of loans of the same period and grade specified by the central bank, but it shall not exceed 4 times of the benchmark expected annualized interest rate of the same period. The expected annualized interest rate is 4.35% for one year or less, 4.75% for one year to five years (inclusive) and 4.90% for more than five years. For example, the applicant wants to apply for a certificate of deposit of 20,000 yuan from the bank with a loan term of 12 months. The annual interest rate of the loan is 4.75%, and the interest is calculated by average capital repayment method. Monthly repayment amount = (principal/repayment months) (principal-accumulated principal paid) × monthly interest rate monthly repayment amount =(20000/ 12)(20000- accumulated principal paid )× 3.958 ‰ First month repayment = (20000/)× 3.958 ‰ =/.

4. What is the interest on the certificate of deposit?

Deposit certificate interest

Loan interest: The loan interest rate shall be subject to the expected annualized interest rate of loans of the same grade in the same period as stipulated by the People's Bank of China, and the expected annualized interest rate of loans of the same grade in the same period as stipulated by the Central Bank, but it shall not exceed the expected annualized interest rate of 4.3, 4.75% and 4.90% for more than five years.

Calculation method of deposit certificate interest

For example, the applicant wants to apply for a deposit certificate of 20,000 yuan from the bank with a loan term of 12 months and an annual interest rate of 4.75%.

Average capital

Monthly principal and interest repayment amount = (principal/repayment months) (principal-accumulated repaid principal) × monthly interest rate.

The monthly repayment amount is 12)(20000- accumulated repayment amount) ×3.958‰

Repayment in the first month =(20000/ 12)(20000- accumulated principal paid) ×3.958‰= 1746.

each

First repayment principal: 20000/ 12= 1667.

monthly interest rate

First interest: (20000- 169)

Total repayment interest = (repayment months 1)

Total repayment interest: (121) 2 = 514.54.