2023-07-20 06:19:00
If there is a principal of 500,000 yuan, excluding the discounts given to selected customers by large banks, the maximum rate is 4.4%, and the annual interest rate is $22,000.
Previous article[Ifyouhave100000yuanwouldyouliketodoaregularjob?】Listthelow-thresholdoptionsofmajorbanksThedepositthresholdinthispaperis500,000 yuana longer deposit period of 3 months or more, excluding special offers from large note-issuing banks, up to4.4percent. This article adopts two simple charts, divided by new funds and existing funds, both new and old funds have a high interest rate of 4%!
Is it better to use 500,000 yuan as a fixed term?
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There are 4.4% for different deposit periods
After Fubon Bank’s latest interest rate hike, it will be 4.4% from one month to 12 months, and it needs to open a mobile bank with a new fund of 500,000 yuan. At present, among the long-term deposit discounts in the city, after OCBC Bank removed the 4.5% discount for 388 days, Fubon’s 12-month 4.4% discount is the highest, with a principal of 500,000 yuan and an interest of 22,000 yuan a year, half a year Also earned 11,000 yuan.
Fubon even increased the 1-month and 2-month deposit terms to 4.4%, excluding the new customer discounts of individual banks. This is currently the most profitable short-term deposit. With a principal of 500,000 yuan, the interest rate can be more than 1 month. 1800 yuan.
New funds 3 months 4.2%
For new funds with a deposit period of 3 months, Fubon’s 4.4% can be considered. However, several other banks have 4.2%. For example, Nanyang Commercial Bank’s wealth management customers, 100,000 yuan to less than 1 million yuan, have 4.2% for 3 months.
For new customers of Chong Hing and Citigroup, as long as they complete the designated projects, the maximum 3-month deposit period is 4.2%.
Existing funds earn $20,500 in 1 year
The principal of 500,000 yuan, the existing capital has 6 banks reaching 4%, 6 months and 3 deposit periods are the highest in Public Bank, because the bank has recently increased to 4.3%, the half-year interest rate is $10,750, and the 3-month earning is $5,375.
In terms of the 12-month long-term deposit period, it is also the highest among public banks, with a minimum deposit of 500,000 yuan at 4.1%, and an annual interest rate of 20,500 yuan.
Date this article was last updated: July 20, 2023
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