In 2022, the annualized interest rate of bank certificates of deposit reached 4%. The term of office is three years. Then if you deposit 500,000 yuan, everyone can get interest of 500,000× 4% = 20,000 yuan. You can get a total interest of 60 thousand yuan in three years. If the time deposit certificate is five years, the annual interest rate will reach 4.5%. There are also some private banks or local banks whose interest rates on large deposits have reached 5%.
Interest rate of 500,000 large deposit certificates of banks in 2022
Summary of interest rates of large deposit certificates of the four major banks in 2022
Industrial and Commercial Bank of China
1200,000 individual certificates of deposit
The annual interest rate is 1.595% for three months, 1.885% for six months, 2. 175% for one year, 3. 15% for two years and 4./kloc-0 for three years.
2.3 million certificates of deposit.
The annual interest rate is 1.65% for three months, 1.95% for six months, 2.25% for one year and 3.045% for two years.
3.5 million personal certificates of deposit.
The annual interest rate is 3. 15% for two years and 4.0 15% for three years.
agricultural bank
1200,000 individual certificates of deposit
The annual interest rate is 1.595% for three months, 1.885% for six months, 2. 175% for one year and 3.045% for two years.
2.5 million personal certificates of deposit.
The annual interest rate is 1.65% for three months, 1.95% for six months, 2.25% for one year, 3. 15% for two years and 4.07% for three years.
3.8 million certificates of deposit.
The annual interest rate is 4. 1.25%.
465.438 billion+00,000 personal certificates of deposit.
The annual interest rate is 1.95% for six months, 2.227% for one year and 3.85% for three years.
Bank of China
200,000 yuan personal certificate of deposit: 3-month interest rate 1.585%, 6-month interest rate 1.885%, 1 year interest rate 2.35%, 2-year interest rate 3.045% and 3-year interest rate 3.85%.
300,000 certificates of deposit: the interest rate is 65,438+0.65% for three months, 2.25% for six months, 3.65,438+05% for two years and 3.85% for three years.
Certificate of deposit for 500,000 individuals: 3-year 4. 1.25%.
China construction bank
Initial deposit: 1 month interest rate is 1.53%, March interest rate is 1.54%, June interest rate is 1.82%, 1 interest rate is 2. 10%, 2 interest rate.
Initial deposit: 1 month interest rate is 1.59%, March interest rate is 1.60%, June interest rate is 1.89%, 1 interest rate is 2. 18%, 2 interest rate.
From the initial deposit of 800,000 yuan: 1, the annual interest rate is 2.25%, 3. 15% and 4. 13%.
Interest rate of 500,000 large deposit certificates of banks in 2022
Interest rate of 500,000 large deposit certificates of China Postal Savings Bank in 2022
The interest rate for large deposits is about 3. 15% for one year and 4.85% for five years. After saving 500,000 yuan for five years, the interest earned is about 500,000 times 4.85% times 5, which is equal to120,000 yuan.
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Second, how much interest does it cost to borrow 500,000 yuan from the bank every year?
The one-year short-term loan interest rate is 6.06%, and 100w is 6.06W..
What is the annual interest on a loan of 35,000 yuan?
The annual interest is 23,500 yuan.
According to the official interest rate tables of the six major banks, if a user applies for a one-year mortgage loan, the minimum loan height of the bank is 4.7%. As for why it is the highest 4.7%, because the benchmark interest rate of the central bank's one-year loan is 3.85%, with the highest increase of 24%. If the loan interest rate applied by the user is 500,000 yuan, the annual interest will be 2 1.750 yuan according to the minimum standard of 4.35%. If calculated according to the highest standard of 4.7%, the annual interest is 23,500 yuan, and each user's personal qualification is different. Different banks applying for loans and different regional policies will affect the final loan interest rate of users. The repayment methods of mortgage loans are also very diverse, including equal principal and interest, average capital, interest before principal, etc. Different repayment methods will lead to different loan interest rates.
Loan (electronic IOU credit loan) is simply understood as borrowing money with interest. Loans are subject to fixed interest rates and repayment conditions. Loans in a broad sense refer to the general term of loans. Banks put concentrated money and monetary funds out through loans, which can meet the needs of expanding social reproduction and promoting economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
"Three natures" refers to the basic principles of safety, liquidity and effectiveness. People's Republic of China (PRC) stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined."
1, loan security is the primary problem faced by commercial banks;
2. Liquidity refers to the ability to recover the loan according to the predetermined period and realize it quickly, so as to meet the demand of customers for withdrawing deposits at any time;
3. Efficiency is the basis of sustainable operation of banks. For example, if long-term loans are issued, the interest rate will be higher than short-term loans, and the benefits will be good. However, if the loan term is long, the risks will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious and need loans.
Interest refers to the purpose used by the borrower to obtain funds, which is the use price of funds (that is, the lent principal) in a certain period of time. Detailed calculation. In civil law, interest
4. What's the annual interest on the loan of Agricultural Bank of China for 500,000 years?
Then the annual interest of a loan of 500,000 yuan = 505,365,438+0% = 26, 550 yuan. 1, Agricultural Bank of China is one of the six state-owned banks, and so are its deposit products. ...