The differences between deposits and loans are as follows:
First, the theme is different. You are a debtor when you borrow money, and a creditor when you save money.
Second, interest rates are different. The deposit rate is lower than the loan rate.
Third, the collection time is different. You want to get 1 10,000, and save 2000 every month. How many years will it take to get it? This is called deposit. I also want to take 1 10,000 and deposit 2000 yuan every month, but if you want to take it now, this is the loan.
Fourth, the guarantee methods are different. Deposits don't need guarantees, but loans need guarantees.
Fifth, the procedures are different.
Deposits and loans are as follows:
First, take out money regularly;
Second, be sure to bring your ID card and go through the signing formalities.
Bank loans and bank deposits?
First of all, learn about loans and deposits.
A loan means that you go to the bank to borrow money, and the bank wants to earn your interest. So the interest must be high.
There are two ways to save money.
1, long-term deposit has a high interest rate, but your money will be fixed in it for a long time to come.
2. Short-term deposit interest rate is low. This advantage is that it can be taken out at any time, but there is not much interest.
In the next few years, prices will rise and currencies will depreciate. A bowl of powder used to be five yuan, but now it starts at six yuan, and one of them depreciates.
So is it necessary for you to save for a long time?
65438+100000 yuan to start a business, isn't Qian Shengqian fragrant? The businessman borrowed money from the bank to do it.
The first fund I started was 654.38+10,000 yuan. 50,000 projects, recruit 10 employees, choose one as the supervisor, just manage the supervisor, and the supervisor will lead 9 employees. It will be effective in the third month.
How to deal with the index problem of loans and deposits
Loan-to-deposit ratio: this indicator reflects the proportion of bank funds used for loans and the size of loan capacity. China's commercial banking law stipulates that the proportion of banks shall not exceed 75%. Deposit is a form of credit activity in which enterprises, organs, organizations or residents deposit monetary funds in banks or other credit institutions, which will keep them on their behalf and earn certain interest according to the principle of giving back. Loan is a form of credit activity in which banks or other credit institutions provide funds to enterprises and individuals at a certain interest rate according to the principle of repayment.
Which is the higher interest rate, deposit or loan?
Deposit interest: deposit interest = principal time deposit interest rate.
If the three-month deposit interest rate of 10000 yuan is 1. 1%, then deposit interest = principal time deposit interest rate =10003/121%= 27.5 yuan.
Note that the listed interest rates of banks are all annualized interest rates, not the deposit interest rate of three months 1. 1%. The specific monthly interest rate should be converted from the annual interest rate to the monthly interest rate. For example, three months is the result of 3/ 12, because there are 12 months in a year. Similarly, the bank's current interest rate is an annualized interest rate of one year (calculated by 360 days), and it is impossible to get a deposit interest rate of 0.35% (four major banks) every day.
If the three-year time deposit interest rate of 1 0,000 is 2.75%, then the total deposit interest = principal time deposit interest rate = 1 0,000 32.75% = 825 yuan. Note that annual conversion is not required, because it is annualized interest rate.
Extended data:
Loan interest:
There are two types of loan interest. One is consumer credit loans such as credit cards, which exist in the form of charging fees. The specific interest rate should be calculated by the internal rate of return formula or by the RATA function in excel. The annualized interest rate of general consumer credit loans hovers between 15%- 18%, and the specific interest can be calculated through the specific interest rate, which is not discussed here.
The other is mortgage and other loans. Mortgage can be divided into two repayment methods. But either way, the interest returned every month is: monthly interest = residual principal mortgage interest rate/12.
Monthly repayment of average capital = principal interest = loan principal/repayment months (repaid principal) loan interest rate/12, monthly repayment of average capital = principal interest = monthly repayment of principal (repaid principal) loan interest rate/12.
Note: No matter the average capital or the equal principal and interest, the repayment principal and interest and the monthly repayment amount will change with the change of the benchmark interest rate of the central bank's five-year loan, so the result calculated without mortgage calculator is not a fixed figure. The mortgage calculator only calculates the current loan interest rate, which will be adjusted with the adjustment of the benchmark interest rate of the central bank.