As of July 2020, according to the latest deposit rate, 1 million in the bank can get after-tax interest: 1,000,000 × 0.72% × 30/360 × 0.95 = 570.
Each bank's deposit interest rate is not the same, usually the deposit rate of the major banks are in the central bank's benchmark interest rate, the floating rate. Currently, the central bank's benchmark interest rate is:
One, the benchmark interest rate for demand deposits is 0.35 percent;
Two, time deposits: three-month interest rate of 1.10 percent; half-year interest rate of 1.30 percent; one-year interest rate of 1.50 percent; two-year interest rate of 2.10 percent; three-year interest rate of 2.75 percent.
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Expanded Information:
Unlike other deposits For example:
Deposited on January 1, February 1 to calculate the number of days of interest for 31 days, interest = demand deposit * interest rate × 30/360
Deposited on January 15, February 18 to calculate the number of days of interest for 34 days, interest = demand deposit * interest rate × 33/360
Deposited on January 15, February 10 to calculate the number of days of interest for 26 days, interest = demand deposit * interest rate × 25/360
Meanwhile, unlike other deposits, which are calculated according to the level of interest rates on the date of withdrawal, the interest on demand deposits is adjusted in a timely manner in line with the adjustment of the central bank's interest rates.
1 million in the bank, how much interest a year?
1 million deposits in the bank is mainly divided into several cases: 1, the demand call deposit interest rate of 0.35%, then 1 million deposits in the bank for one year interest for 3500 yuan. 2, regular regular one year deposit interest rate of 1.5%-1.85%, then 1 million deposits in the bank interest for 15000 yuan -18500 yuan. 3, large certificates of deposit large certificates of deposit are divided into 3-year and 5-year period, the CCB large certificates of deposit are divided into 3 years and 5 years. The bank's large depository receipt, for example, the bank's monthly payment of large depository receipt subscription starting point for 1 million yuan, the depository receipt period of 3 years, the annual interest rate of 3.85%, then 1 million to save a year's interest is 38500 yuan.
According to the People's Bank of China's benchmark interest rate for deposits, deposit bank 1 million a year can get different interest, specifically divided into the following cases:
1, demand deposits
Central Bank of China's benchmark interest rate for demand deposits is 0.35%, the majority of commercial banks are also based on the benchmark interest rate, 1 million deposits a year of demand earnings of 1,000,000 x 0.35% = 3500 yuan.
2, one-year term deposits
Central bank one-year term prime rate of 1.5%, the commercial banks on this basis, the proportion of floating varies, more than 20%-35%, the return of the lowest 1,000,000 × 1.5% × = 18,000 yuan, the highest return of 1,000,000 × 1.5% × = 20,250 yuan.
3, large certificates of deposit
Banks large certificates of deposit starting amount varies, mostly more than 200,000 yuan, interest rates compared to the benchmark of 45% -50%, the return of the lowest 1000000 × 1.5% × = 21,750 yuan, the highest return of 1000000 × 1.5% × = 22,500 yuan.
4, bank financial products
Wealth management products are divided into capital-protected and non-capital-protected two types, non-capital-protected wealth management income than capital-protected wealth management, interest rates are mostly 4.5%-5.5%, the expected return of a minimum of 1,000,000 × 4.5% = 45,000 yuan, the highest for 1,000,000 × 5.5% = 55,000 yuan.
In 2020, the People's Bank of China's time deposit interest rates are as follows:
One, the demand deposit interest rate of 0.35%.
Two, time deposits
1, whole deposits and withdrawals
Three-month interest rate of 1.1 percent, half-year interest rate of 1.3 percent, one-year interest rate of 1.5 percent, two-year interest rate of 2.1 percent, three-year interest rate of 2.75 percent.
2. Zero deposit, whole deposit, capital deposit
One-year interest rate 1.35%, three-year interest rate 1.56%, five-year interest rate 1.56%.
3, the fixed living two convenient
This deposit method in accordance with the regular deposit within one year of the same grade of interest rate 60% discount.
4, one-day interest rate of 0.55% per annum.
5, seven-day interest rate of 1.10% per annum.
Deposit 1 million a year interest how much
1 million deposits in the bank in the bank for a year, can be divided into three deposit methods, interest are as follows:
1. demand: demand deposit interest rate of 0. 35%, then 1 million deposits in the bank for a year interest is 3500 yuan.
2. fixed-term: fixed-term deposit interest rate for one year between 1. 5% - 1. 85%, then 1 million deposits in the bank interest for 15,000 yuan - 18,500 yuan.
3. large certificates of deposit: large certificates of deposit are divided into three-year and five-year periods, the CCB large certificates of deposit, for example, CCB monthly payment large certificates of deposit subscription starting point for 1 million yuan, the term of the certificate of deposit for three years, the annual interest rate of 3. 85%, then 1 million deposits for one year of interest is 38,500 yuan.
With the rise of the economic level, we have more and more deposits on hand, and as we all know, storing money in the bank is a way to earn interest income. If you put a million dollars in the bank, then many banks are able to enjoy VIP VIP services. But if you do not take the initiative to mention this matter, the bank may not take the initiative to give you the appropriate VIP. but 1 million to save the bank, to discuss the security and stability, and has a certain liquidity, preferred or bank large deposit, basically able to realize the benchmark interest rate of 40% to 50% or so, the specific bank may not be the same.
The formula for calculating bank interest is: interest = principal * interest rate * time. If the daily rate is used to calculate, interest = principal × daily rate × number of days of deposit; if the monthly rate is used to calculate, interest = principal × monthly rate × number of months.
Deposit period description:
1, counting the first and not the last, when calculating interest, the number of days of deposits are counted first and not the last, that is, from the date of deposit to the day before the withdrawal of funds;
2, regardless of leap year, flat year, regardless of the month, month, month, the whole year is calculated on the basis of 360 days, each month is calculated on the basis of 30 days;
3, to the year, to the month, to the day of calculating the maturity date of all kinds of time deposits are calculated on the basis of the year, to the month, to the day of calculation The maturity date of all kinds of time deposits is based on the year, month and day. That is, from the deposit to the same day of the same month of the following year for a pair of years, the deposit to the same day of the next month for the month;
4, the maturity of fixed-term savings, such as in the case of legal holidays are not in office, can be withdrawn one day in advance, as if the maturity of the calculation of interest, and the procedures with the withdrawal in advance to deal with.
What is the interest rate for a one-year deposit of one million dollars?
Now the fixed-term annual interest rate is about 1.75%, 1 million * 1.75% = 17,500,000, so 1 million deposited in the bank, the fixed-term interest for one year is 1-75,000,000.
Please adopt thank you
What is the interest rate of 1 million deposited in the bank for 1 year?
1 million in the bank belongs to the large deposits, the annualized rate of return of about 2.2%, a year of interest is about 22,000.
How much interest can you get on a million deadlines a year
A million a year dead deposit interest is about 15,000 yuan. 1,000,000 deposited in the bank for a year, is based on the deposit method and the bank's different, generating different interest. The formula for calculating interest: interest = principal x interest rate x time.
1.1 million deposited deadlines a year interest is about 15000 yuan. According to the central bank benchmark interest rate, the annual interest rate of one year of time deposits is 1.5%, the interest is 1,000,000 × 1.5% × 1 = 15,000 yuan. But each bank's deposit rate will be adjusted on the basis of the central bank benchmark interest rate, so the exact interest rate and interest need to be based on the specific data given by the chosen bank.
2. 2021 Industrial and Commercial Bank of China interest rates, for example: regular interest rates have a whole deposit one year interest rate is 1.75%, then a million of interest is 1,000,000 * 0.0175 * 1 = 17,500 yuan. Zero deposit, whole deposit, deposit and withdraw interest rate of one year is 1.35%, then one million interest is 1000000x0.0135x1=13500 yuan. ICBC large certificate of deposit one-year interest rate is 2.25%, then the interest on one million is 1,000,000 X 0.0225 = 22,500 yuan.
: 1. Bank card dead period refers to the bank card fixed term. Most of the banks in China, the term of RMB time deposits include: three months, six months, one year, two years, three years, as well as five years. Generally speaking, the longer the duration of the deposit term, the higher the corresponding deposit rate will be, then the more interest will be paid. It should be noted that the user has chosen a fixed-term deposit, if it is to be spent in advance, then it is a loss of interest.
2. Time deposits are also known as "time certificates of deposit". The bank and the depositor both agree in advance on the period of deposit, interest rate, the maturity of the deposit to withdraw the principal and interest. Some of the fixed-term certificates of deposit in the maturity of the depositors need funds can be sold in the market; some fixed-term certificates of deposit can not be transferred, if the depositor chooses to withdraw funds from the bank before maturity, you need to pay a certain amount of money to the bank. Fixed-term savings deposits are: whole deposit, zero deposit and withdrawal, deposit of principal and interest, whole deposit and withdrawal.
The whole deposit and withdrawal is a kind of fixed-term savings in which the customer chooses the deposit period, deposits the whole amount and withdraws the principal and interest at maturity.
Zero deposit and withdrawal is a kind of fixed-term savings in which the amount is agreed upon in advance, deposited month by month according to the agreed amount, and the principal and interest are withdrawn at maturity. Deposit and withdrawal of interest is a kind of regular savings that deposit the principal at one time, withdraw the interest in installments, and withdraw the principal at maturity.