The interest rate of the provident fund loan you mentioned here is the nominal interest rate, not the real interest rate, because it mainly involves the repayment method. If you repay the principal and interest on the last day, it is the real interest rate, but if you repay the principal and interest on a monthly basis, it is not the real interest rate. The real interest rate is much higher than this nominal interest rate! Therefore, if the wealth management income is less than twice the loan interest rate, it is meaningless to buy wealth management!
Second, how much interest does the provident fund loan cost 10,000 yuan a year?
Hello, the interest rate of the provident fund is generally 4. The annual interest on your loan of 10,000 yuan is about 450 yuan. If you put it in the balance treasure, one day is about 1. 1 yuan, and one year is 400 yuan. The interest rate of construction funds is definitely higher than that of deposits.
3. Is the interest rate of Yu 'ebao higher than the provident fund loan?
The interest rate of provident fund is not as high as that of Yu 'ebao. The annual interest rate of the provident fund is generally less than 2%, and the income is calculated once a year. The average annual interest rate of Yu 'ebao is above 2%. The calculation formula of Yu 'ebao's income: income = (confirmed amount/10000)× ten thousand income of the day; After the user transfers money, he will pay it on time every day after generating income. The income generated by Yu 'ebao can continue to enjoy the income, and Yu 'ebao's wealth management is equivalent to a kind of compound interest.
4. Is the interest of the provident fund account high or the balance treasure high?
There is no comparison. The interest of provident fund is 1. 1%- 1.5%, and the interest of Yu 'ebao is usually income. The interest of Yu 'ebao is daily, and the interest of the same amount is different every day. For example, the annualized rate of return of Yu 'ebao in April 20 19 was 2.308%. If you want to know the amount of income, you can pay attention to its changes every day. The calculation formula of Yu 'ebao's income: income = (confirmed amount/10000)× ten thousand income of the day; After the user transfers money, he will pay it on time every day after generating income. The income generated by Yu 'ebao can continue to enjoy the income, and Yu 'ebao's wealth management is equivalent to a kind of compound interest.