Three Tactics To Teach You To Win The Battle Of Wallet.

1 year deposits in 35 days, 2 years deposits in 72 days, 3 years deposits in 92 days, 5 years.

Deposit portfolio

For larger deposits, certificates of deposit with different maturities of three months, six months and one year can be equally matched.

If necessary, a passbook can be drawn in advance without losing interest on all time deposits.

return

Most banks carry out new mortgage interest rates on New Year's day next year. Therefore, the customers who will loan the loan before February 9th will carry out the interest rate at the end of last year, and will not need to rush to repay the loan ahead of time.

Financial planners suggest that if you are the first suite and enjoy 30 percent off interest rates, you should not consider paying the loan ahead of time.

On the evening of February 8th, the central bank announced the third increase in interest rates since October last year, and the one-year deposit and loan interest rate reached 3% and 6.06% in February 9th.

Although it is only 25 basis points to float, but every time the interest rate hike affects the nerves of the Chinese people. Most experts believe that China has entered the cycle of interest rate increase from the three increase in interest rates of the central bank.

So, in the face of a possible increase in interest rates in the short term, how should people manage their pocketbook to avoid "being hurt" and "attack" to gain more profits? The Chengdu business daily interviewed a number of bank financial planners in Chengdu City, asking them to answer the hot topics on raising interest rates to help readers prepare for the rainy day.

Focus question 1

Answer: blind pfer is not worth the candle.

Should interest be pferred after raising interest rates?

Answer: blind pfer is not worth the candle.

After raising interest rates, many people choose to deposit regularly.

In February 9th and 10th, the business hall of many banks in Chengdu was full of customers who came to handle the pfer.

However, a problem should be considered before pferring the deposit: once the deposit is pferred, the interest from the previous deposit to the pfer date will be calculated according to the current interest rate, and then calculated according to the new regular interest rate.

In addition, if the interest rate is raised again in the next three to six months, should it be renewed again for higher profits? If the deposit is renewed again, the deposit will only enjoy the current interest rate in the past one year.

The general recommendation of financial planners is that from a one-year deposit interest rate, 10 thousand yuan will earn interest more than 25 yuan before and after raising interest rates.

If the interest loss caused by the pfer is greater than the income from the new interest rate, or basically flat, there is no need to go to the bank to "toss" its deposits.

Then, how long does it take to deposit the deposit in advance after the deposit is taken? The common people can make a judgement through a formula, that is, the formula for calculating the annual number of days (=360) of the existing number of days (the new regular annual interest rate - the existing single interest rate) (the new regular annual interest rate - the original interest rate of interest)) is calculated by the formula: 1 year deposits in 35 days, 2 years deposits in 72 days, and 3 years deposits in 92 days and 5 years deposits in advance within 176 days.

In addition, Chen Yu, a financial planner of Pudong Development Bank Chengdu branch, suggests that investors should not split the amount of a single time deposit.

For example, deposit 200 thousand, can be divided into 10 cases of pen, 5 in case of pen, 2.5 in case of pen, 12 thousand and 500 two, can also be equal to three months, six months, a year and other different periods of deposit.

In case of need, a passbook can be drawn in advance without losing interest on all time deposits.

Focus question two

Answer: idle money can be invested in short-term financial products.

How can deposit earnings run out of CPI?

Answer: idle money can be invested in short-term financial products.

Financial planners say recently, many customers have such doubts when facing financial planners: fixed deposits still do not run CPI, how should they invest in the interest rate cycle?

For this problem, most financial planners give the suggestion that if there is more than 50 thousand yuan of spare cash (the average purchase price of financial products is 50 thousand yuan), it is better to buy low-risk bank financial products instead of saving money.

The yield of bank guaranteed financial products is generally higher than the fixed interest rate of banks in the same period, and the number of winning CPI is also rare.

Many of the bank's customer managers suggest that investors buy no more than three months of financial products in the interest rate increase cycle, as short-term products can quickly enjoy the increase in income from the increase in interest rates.

And when the interest rate is raised again, it can also flexibly adjust the funds so as not to miss the opportunity to get higher returns.

Cao Zhen, a financial manager of the Chengdu branch of the Construction Bank, told the Chengdu Commercial Daily that recently, among the clients who came to consult him, many clients were seeking products of higher returns, except for some middle-aged and elderly customers who insisted on the fixed period.

Cao Zhen generally recommends that customers choose to purchase three to six months' financial products. The risk of such products is low, and according to the past release records, most of them can achieve the expected return.

"There is an advantage in making short-term financial products, that is, timely adjustment of investment allocation according to market conditions, and products with an annual yield of about 3% can also meet investment needs well."

At the same time, reporters also learned that there are still some banks aiming at the continued interest rate increase expected to launch a revenue linked to interest rate financial products, the public can consult more banks, choose their own products.

For clients with high risk tolerance, Cao Zhen also suggests that they can invest in funds or brokers' collections of financial products. "Despite the tight financial situation, the stock market may not be able to rise unilaterally, but there are still opportunities for the fund. The collection of financial products is more flexible to the fund, and the performance in the past few months is also very good, many of which have won the market."

Focus question three

Answer: it is not urgent to repay the loan ahead of time.

Mortgage loans for the month, should the loan be paid in advance?

Answer: it is not urgent to repay the loan ahead of time.

The central bank's interest rate increase makes people more and more strongly anticipate that the market will enter the interest rate cycle, especially the problem of early repayment of loans, which has been forgotten by the people.

However, the reporter interviewed found that since most banks implemented the new housing mortgage loan interest rate on New Year's day next year, the interest rate of the customers who will loan the loan before February 9th this year will also be implemented at the end of the year, and the loan customers will not rush to repay the loan ahead of schedule.

After February 9th this year, the loan customers will implement the new interest rate.

After the interest rate increase, how much does the cost of housing loans increase? For example, the loan is 1 million yuan, with a term of 20 years, assuming that the principal and interest repayment will be made in the form of equal principal and interest. The monthly gross principal and interest rate will be 7129.94 yuan before the interest rate rises under the benchmark interest rate, and the interest rate will be 7245.31 yuan after the interest rate increase, which means that the monthly interest payments will be more than 115.37 yuan, and the total interest rate will be more than 27737.29 yuan.

As the rate hike is not large, the monthly supply will not rise much, and will not be too much pressure on borrowers.

Financial planners suggest that if you are the first suite and enjoy 30 percent off interest rates, you should not consider paying the loan ahead of time.

After raising interest rates this time, the benchmark lending rate over five years is 6.14%, 30 percent off discount is 4.298%, which is a very low interest rate.

According to such a rate increase, even if added two times, interest rate is only 6.54%, 30 percent off interest rate is 4.578%.

Cao Zhen told reporters that many of the "30 percent off" and "15% off" preferential interest rates "old" mortgage customers, the attitude of this increase in interest rates is relatively calm.

"Customers who have already got loans and old mortgage customers are just asking how much they will increase. A few people say they want to pay in advance. Most people just know that they are not ready to pay in advance. They want to wait until the end of the year."

Cao Zhen said that people who have spare cash on hand now do not have to rush to repay their loans ahead of time, but if there is an advance repayment plan in advance, they need to queue up two to three months in advance.