You can't borrow 300,000 yuan from a deposit of 200,000 yuan, and you can't exceed 200,000 yuan at most.

What's the interest for saving 22,000 yuan for three years?

If it is a large deposit certificate, the interest rate of a three-year large deposit certificate can reach 4%, and 200,000 yuan can be saved for three years. The calculation formula of interest is as follows:

Interest = 200,000 4% 3 = 24,000 yuan.

However, there is a certain threshold for large deposit certificates. Some banks should deposit at least 200,000 yuan, while others should deposit 300,000 yuan.

3. How much can I borrow for a deposit certificate of 200,000 yuan?

Every bank is different. For example, the maximum deposit certificate of ICBC can be 0, which means that the deposit certificate of 200,000 yuan can be 1.8 million yuan. But generally speaking, the loanable amount of 80%-90% certificates of deposit and 200,000 certificates of deposit is 6.5438+0.6 million to 6.5438+0.8 million.

1. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out in the form of loans, which can meet the needs of social expansion and reproduction to supplement funds, and banks can also obtain their own loan accumulation.

Second, the risk review of microfinance

The emergence of loan risk often begins at the stage of loan review. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links.

(1) The loan examiner of the bank was omitted from the review content, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.

(2) In practice, some commercial banks do not have due diligence, and often only pay attention to the identification of documents, but lack due diligence. In this way, it is difficult to identify fraud in loans and it is easy to cause a credit crisis.

(3) Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.

Three:

(1) Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established, whether it has the qualifications and qualifications to engage in related businesses, and check the business license, annual inspection or relevant verification.

(2) Regarding the credit standing of the borrower, check whether the registered capital of the borrower is suitable for loans; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.

4. How much can I borrow from a deposit certificate of 200,000 yuan?

Every bank is different. For example, the maximum deposit amount of ICBC can be 90% of the deposit amount, which means that the deposit amount of 200,000 yuan can be 1.8 million yuan. But generally speaking, 80%-90% of the loanable certificates of deposit, 200,000 certificates of deposit, the loanable amount is 654.38+0.6 million to 654.38+0.8 million. First, loan is a form of credit activity that banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. Two. Microfinance review risk The risk of a loan often begins at the loan review stage. What happened in the comprehensive judicial practice can be seen that the risks in the loan review stage mainly appear in the following links. (1) The loan examiner of the bank was omitted from the review content, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects. (2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk. (3) Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place. 3. The legal content of the pre-loan investigation (1) examines the legal status of the borrower's legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is established according to law, whether it has the qualification and qualification to engage in relevant business, and check the business license and qualification certificate, and pay attention to whether the relevant certificate has passed the annual inspection or relevant verification. (2) Regarding the credit standing of the borrower, check whether the registered capital of the borrower is suitable for loans; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.