In The Year Of Rabbit, The Rabbit Tail &Nbsp Was Managed, And The Word "Short" Took The Lead.

They say rabbit tail can't last long.

February 9th (the seventh day of Lunar New Year), the first day after the Spring Festival holiday.

In recent days, reporters in ICBC, China bank, China Merchants Bank, Minsheng Bank and other local banks have found that the rate of return of financial products launched after the new year's interest rate increase has been generally increased, and the investment period is generally shorter.

Take an investment bank of China for a period of 21 days as an example, the highest annual yield is expected to reach 4.2%. The yield of short-term financial products issued by other banks is also more than 3%, exceeding the fixed interest rate for one year.

According to data from the financial sector website, the current sales of RMB products, less than 3 months, the ultra short-term financial products reached 43, accounting for nearly half of all banking products in the sale period.

Among them, the annual yield of 20 products is 3% and above, while the expected yield is more than 4%, and there are 6.

"In the second half of last year, the annual yield of financial products with a majority investment period of one or two months is only about 2%."

Yang Fei, financial manager of Bank of China branch of Bank of China, said that with the continuous increase in interest rates by the central bank, the earnings of financial products rose rapidly. In just four or five months, the increase has reached 50% or even higher.

Some bankers believe that raising interest rates on the first day after the Spring Festival also means that this year is likely to enter the interest rate hike. There are still two to three increases in interest rates during the year.

When people buy financial products, it is best to choose short-term products with no investment period of more than 1 months. Once the central bank increases interest rates again, funds can purchase products with higher returns flexibly.

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The central bank announced that after raising interest rates in February 9th, many people rushed to the bank to handle the pfer business on the first working day after the Spring Festival holiday, and some mortgage slaves began to plan to repay the loan ahead of schedule.

On the morning of 9 in the morning, at the Hongshan bank gymnasium near the Bank of China ho ho long branch, some middle-aged and old citizens came to the bank to handle the deposit slip and passbook pfer business.

Citizen Yu Xiansheng said that the monthly interest rate has increased by nearly 100 yuan recently. He thought that he could repay some of the housing loans in advance with his savings of about 100000 yuan, which might save a lot of interest.

In this regard, bank professionals suggest that the public who intends to handle the pfer business can refer to the following formula: the 360 day deposit period (the new periodic annual interest rate - the original annual interest rate) (the new periodic annual interest rate current interest rate) = the appropriate pfer time limit.

Taking the one-year fixed deposit as an example, the formula calculation result is 34.6, that is, the original time deposit is within 35 days, and it can be withdrawn and pferred in advance. If it exceeds 35 days, it is not suitable to be pferred.

For the people who plan to repay the loan ahead of time, Wu Dan, a financial planner of the Bank of China, believes that although there are several interest rate hikes this year, most of the mortgage customers will carry out the last interest rate increase last year, which will not be affected by the interest rate hike this year.

Therefore, mortgage customers do not have to rush to repay the loan ahead of time, and use their spare cash for other investments. At the end of the year, interest rates will be determined at the end of the year to decide whether to repay the loan ahead of schedule.