China Industrial and Commercial Bank announced that it would suspend its deposit and loan services from June 1. Many people are worried that they can't manage money in ICBC in the future. However, ICBC staff said that the suspension of deposit and loan services will not affect personal financial management. Then, what impact will ICBC's suspension of deposit and loan services have on lenders? According to ICBC official website, since June 20 16 1 day, new personal account comprehensive wealth management business will no longer be accepted, and customers who have signed agreements will no longer accept extension business, and all existing customer agreements will be terminated after one year of suspension. According to the calculation, if the customer deposits 6,543,800 yuan in the four major banks, the net loss in 654.38+ 0 years is about 537 yuan; Similarly, if there are some joint-stock banks with 654.38+10,000 yuan, the net loss due is actually more than 293 yuan. In contrast, it is more cost-effective to buy bank wealth management products, although the expected annualized expected rate of return of the latter is also plummeting. Is it really impossible for ICBC to manage money after suspending the deposit-loan linkage? Don't worry, you can also buy new products from ICBC. If you have a mortgage of 6,543.8+0,000 yuan in ICBC and just have 6,543.8+0,000 yuan in cash, in order to pay less interest, you will consider using this 6,543.8+0,000 yuan to apply for early repayment. What is the prepayment process of ICBC 20 16? At this time, the bank will advise you to use this 6.5438+0 million yuan to purchase ICBC's personal account comprehensive wealth management business. 654.38+100,000 yuan does not enjoy the expected annualized expected return of high-interest wealth management, and the remaining 80% can enjoy it. Products with high annualized expected income from financial management can reach a level equivalent to 20% of loan interest. What concept? According to the current loan benchmark, the expected annualized interest rate is equivalent to the expected annualized interest rate of your mortgage. If necessary, you can use some money to speculate in stocks and invest in other products, which is quite attractive to lenders.