1. The current account is 0.30%;

Second, on a regular basis:

1. lump sum deposit and withdrawal are: three-month interest rate 1.35%, half-year interest rate 1.55%, one-year interest rate 1.75%, two-year interest rate, three-year interest rate and five-year interest rate.

2. The lump-sum deposit and withdrawal and interest withdrawal are: one-year interest rate 1.35%, three-year interest rate 1.55% and five-year interest rate1.55% respectively; 3. These two things are: the interest rate is fixed at one time within one year, and the interest rate of the same grade is 60% off;

3. The agreed deposit interest rate is1.00%;

4. Notice deposit is: one-day interest rate is 0.55%, and seven-day interest rate is 1. 10%.

limited time

This means that depositors can only withdraw money on a specific date after deposit, or they must be notified a few days before they are ready to withdraw money.

The term of a deposit in a bank can range from 3 months to 5 years, from 10 years. Generally speaking, the longer the deposit term, the higher the interest rate. Traditional time deposits include not only certificates of deposit, but also passbooks, also called passbook time deposits. However, 90 days is the basic interest-bearing days, and no interest will be calculated after 90 days. Compared with demand deposits, time deposits are more stable and have lower operating costs, and the deposit reserve ratio held by commercial banks is correspondingly lower. Therefore, the capital utilization rate of time deposits is often higher than that of demand deposits.

Deposit method

The deposit methods of fixed deposit include lump-sum deposit and withdrawal, lump-sum deposit and withdrawal, principal deposit and withdrawal and lump-sum deposit and withdrawal.

Fixed deposit in lump sum and withdrawal

It is a time deposit in which customers choose the deposit term, lump-sum deposit and withdrawal, and withdraw the principal and interest at maturity.

Service function:

1. Higher stable income: the interest rate is higher, and the interest rate is directly proportional to the length of the term; When the stock market crashed, banks became safe havens.

2. Convenient and worry-free: It has the function of automatic transfer after the lump-sum deposit expires, and customers can change the deposit in the account from a current account to a current account or an expired account through various transfer channels provided by the bank. Customers can also flexibly manage the principal and interest, deposit period and deposit form of their lump-sum deposits through the agreed transfer function;

3. Flexible funds: when the lump-sum deposit in the bank expires, the customer can pledge the lump-sum deposit in the account and obtain personal loan financing through self-service loans; Partial withdrawal can be made in advance, but interest will be calculated according to the deposit interest rate listed on the withdrawal date;

4. Low minimum deposit: the minimum deposit in each currency is as follows: RMB 50 yuan, foreign currency: HKD 50 yuan, Japanese yen 1000, and other currencies are original currency10;

5. Many deposit options: RMB deposit options: three months, six months, one year, two years, three years and five years; Term selection of foreign currency deposit: one month, three months, six months, one year and two years.

Installment time deposit

If customers need to gradually accumulate monthly balance, they can choose the deposit method of "lump sum deposit and withdrawal". Lump sum deposit and withdrawal refers to the fixed deposit with an agreed amount, which is deposited monthly according to the agreed amount and the principal and interest are withdrawn at maturity.

What is the personal time deposit limit of China Bank?

Personal time deposit limit of China Bank:

1. The starting point of personal time deposit limit of China Bank is RMB 1000 yuan.

2. For RMB and USD time deposits, the loan pledge rate shall not exceed 90% of the denomination of time deposits; The pledge rate of time deposits in other currencies shall not exceed 85% of the denomination of time deposits. Foreign currency time deposits are calculated by converting the foreign exchange (paper money) purchase price announced on the same day into RMB.

3. For the business handled through personal online banking/personal mobile banking of Bank of China, the maximum amount of single payment and single-day cumulative payment shall not exceed 300,000 yuan.

Due to differences in business in individual regions, please consult the acceptance outlets or call the customer service hotline of China Bank at 95566 (please call 86 10-95566 for overseas and Hong Kong, Macao and Taiwan regions) for details.

The above contents are for your reference. Please refer to the actual business regulations.

What is the national bank loan interest rate?

As of February 20 19, 19, the People's Bank of China stipulated that the benchmark interest rate for short-term loans within one year (including one year) was 4.35%, and that for medium-and long-term loans from one year to five years (including five years) was 4.75%, and that for more than five years was 4.9%. Personal provident fund housing loans for less than five years (including five years) are 2.75% and 3.25% for more than five years.

The interest rate in China is managed by the People's Bank of China. The bank loan interest rate refers to the benchmark interest rate stipulated by the People's Bank of China. The actual contract interest rate can fluctuate within a certain range on the basis of the benchmark interest rate, and the loan interest rates of different banks and different regions will be different.

Extended data

As of February 20 19, the current benchmark interest rate for demand deposits is 0.35%, the interest rate for three-month time deposits is 1. 1%, the interest rate for six-month time deposits is 1.3%, and the interest rate for one-year time deposits is 1.5%.

Taking China Agricultural Bank as an example, the interest rate of 20 19-year fixed deposit of China Agricultural Bank is as follows: three-month interest rate1.43%; The six-month interest rate is:1.69%; The one-year interest rate is:1.95%; The two-year interest rate is 2.73%; The three-year interest rate is: 3.30%; The five-year interest rate is: 3.58%. (As of February 8, 20 19, 19)