The deposit interest rate is 0.35%, and the three-month interest rates for lump-sum time deposits and personal savings deposits are 1. 10%, half a year 1.30%, one year 1.50%, two years 2. 10%.
Loans: 4.35% within one year (including one year), 4.75% for one to five years (including five years) and 4.90% for more than five years.
Housing provident fund loans for less than five years (including five years) 2.75%, more than five years 3.25%.
The deposit interest rate is an economic lever for banks to absorb deposits, and it is also an important factor affecting the cost of banks. China's deposit interest rate is determined by the state according to objective economic conditions, currency circulation, supply and demand of market materials, and taking into account the interests of all parties.
Deposits can be classified in many ways. For example, according to the mode of production, it can be divided into original deposits and derivative deposits, according to the term, it can be divided into demand deposits and fixed deposits, and according to different depositors, it can be divided into unit deposits and personal deposits (taking China as an example). Personal deposits, that is, residents' savings deposits, are the money that residents deposit in banks.
Time deposit is a kind of deposit in which the bank and the depositor agree on the term and interest rate in advance at the time of deposit and withdraw the principal and interest after maturity. Time deposits are used to settle accounts or withdraw cash from time deposit accounts. If customers need funds temporarily, they can apply for early withdrawal or partial early withdrawal. The term varies from 3 months to 5 years, and from 10 year. Generally speaking, the longer the deposit term, the higher the interest rate.
Demand deposit refers to a kind of bank deposit that depositors can deposit and withdraw at any time without prior notice. Its forms include checking account, certified check, promissory note, travel payment and letter of credit. Demand deposits account for the largest part of a country's money supply and are also an important source of funds for commercial banks.
Call deposit is a kind of deposit with no agreed term, and can only be withdrawn after notifying the bank in advance and agreeing on the date and amount of withdrawal. No matter how long the actual deposit period is, individual notice deposits can be divided into one-day notice deposits and seven-day notice deposits according to the length of advance notice of depositors. One-day notice deposit must inform the agreed withdrawal amount one day in advance, and seven-day notice deposit must inform the agreed withdrawal amount seven days in advance.
Go to a bank outlet with my ID card, open an account that can be docked with notice deposit, and deposit a certain amount (generally more than 50,000). Choosing notice deposit can not only get higher interest than demand deposit, but also get back the funds in a short time, which is more suitable for people who have a lot of idle funds in a short time but also have irregular capital needs.