2022 China Postal Savings Bank deposit interest rate:

Current deposit: 0.30.

Time deposit:

Three months: 1.35

Half a year: 1.56

One year: 1.78

Two years: 2.25

Three years: 2.75

Five years: 2.75

Zero deposit and lump sum withdrawal:

One year: 1.35

Three years: 1

Five years: 1.56

Fixed job is convenient: enjoy a one-time discount of 60% interest rate of the same grade within one year.

Agreement deposit: 1.00

notification

One day: 0.55

Seven days: 1. 10

Extended data:

The interest rate of savings deposits shall be stipulated by the state and promulgated by the People's Bank of China. Interest rate, also known as interest rate, is the ratio of interest to principal on a certain date. The annual interest rate is expressed as a percentage, the monthly interest rate is expressed as one thousandth and the daily interest rate is expressed as one thousandth.

If the annual interest rate of 9% is written as 9%, that is, the fixed annual interest rate per thousand yuan deposit is written as 6‰, that is, the monthly interest rate per thousand yuan deposit is 6 yuan, and the daily interest rate 1% 5 cents is written as 0. 15‰, that is, the daily interest rate per thousand yuan deposit is 1.5 cents.

In order to facilitate the calculation of interest, three interest rates can be converted, and the conversion formula is: interest rate ÷30= daily interest rate; Annual interest rate ÷360= daily interest rate.

When calculating the interest on savings deposits, no interest will be paid for the cents below 0 yuan, and the interest amount will be calculated to ten digits. For the deciles below ten digits, the total interest will be rounded to the nearest four digits.

Classification:

The interest calculation formula is mainly divided into the following four situations: the basic formula for calculating the interest of savings deposits is: interest = principal × deposit term × interest rate;

The second is the conversion of interest rate, in which the conversion relationship among annual interest rate, monthly interest rate and daily interest rate is: annual interest rate = monthly interest rate × 12 (month) = daily interest rate ×360 (day12 (month) = daily interest rate ×30 (day); Daily interest rate = annual interest rate ÷360 (days) = monthly interest rate ÷30 (days). In addition, the interest rate is used.

Third, the interest starting point in the interest calculation formula, 1, does not pay interest from the perspective of saving; 2. The interest amount shall be calculated to one decimal place and rounded to one decimal place when actually paid; 3. Except for current savings, which are settled on an annual basis and interest can be converted into principal, all other savings deposits, regardless of the duration, are paid with the principal at the time of withdrawal, excluding compound interest;

Fourth, the calculation of the deposit period is in the interest calculation formula, 1, and the calculation of the deposit period adopts the method of not counting the first number and the last number; 2. Every month is counted as 30 days, regardless of big month, small month, flat month and leap month, and every year is counted as 360 days. 3. The maturity date of all kinds of deposits shall be calculated annually and monthly. If the account opening date is the missing date of the due month, the last day of the due month is the due date.

2. What is the mortgage interest rate of real estate license of Postal Savings Bank?

Second-hand real estate transaction or commercial loan?

Second-hand real estate transactions are generally based on a 93% discount.

General operating loans will rise above the benchmark 10% to 30%.

3. What is the interest rate of post bank mortgage in 2022?

1. Short-term loans: 4.35% within six months (including six months) and 4.35% from six months to one year (including one year);

2. Medium and long-term loans: 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.90% for more than five years;

3. Personal housing provident fund loan: the loan interest rate for five years or less is 2.75%, and the loan interest rate for five years or more is 3.25%.

4. What is the latest interest rate of the Postal Savings Bank mortgage?

The benchmark interest rate of the current loan is as follows:

Loans within six months (including six months) 4.60%

Loans from six months to one year (including 1 year) 4.60%

One to three years (including three years) loan 5.00%

3 to 5 years (including 5 years) loan 5.00%

Loans for more than five years 5. 15%