Take the deposit and loan principal of RMB 654,380,000+as an example:
1. If the annual interest rate of the deposit is 4.75%, the total annual income is: 10000*4.68%=468 yuan.
2. If the annual interest rate of the loan is 4.75%, the interest will be different according to the repayment method.
1) installment repayment: the interest is 10000*4.68%=468 yuan;
2) Average capital: interest is 257.29 yuan;
3) Matching principal and interest: the interest is 259. 16 yuan.
Time deposit is a kind of deposit in which the bank and the depositor agree on the term and interest rate in advance at the time of deposit and withdraw the principal and interest after maturity. It has the characteristics of minimum deposit period of 3 months, maximum deposit period of 5 years, wide choice and stable interest income.