How To Save Money And Manage More Money After The Year?

< p > < strong > doubt: automatic pfer can not enjoy a href= "http://www.91se91.com/" > interest rate < /a > discount < /strong > /p >

Before the P years ago, the banks of various banks fought closely together, and many banks launched interest rates to the top.

However, it is worth noting that for those old deposit certificates that were placed before, if the expiration of the deposit is automatic, they may not enjoy the same preferential rate as new customers.

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Ms. P, who has retired from home, told reporters: "as age increases, my memory is not good enough. Sometimes I think about it for six months, so I simply deal with the agreed pfer business, so that I can not avoid timely withdrawal and loss of interest after the expiration of the certificate."

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"P >" I went to the bank to do business years ago. I heard that if the automatic deposit of the certificate of deposit expires, it may not be able to enjoy the preferential interest rate.

The same is 50 thousand yuan, the interest of others can enjoy 10% discount of interest rate, and I will not be able to pay the interest rate automatically at the base rate.

Ms. Zhang was astonished to learn about this.

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< p > < strong > survey: the privilege should be manually pferred to the counter < /strong > < /p >.

< p > yesterday, the reporter consulted the bank that is currently carrying out personal deposit < a href= "http://www.91se91.com/" > interest less than /a > floating up to the top. It is indeed found, as Ms. Zhang said.

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< p > a golden management manager of Zhongjie sub branch of a state-owned bank in Shencheng told reporters: "the provisions of different banks are different. The benchmark interest rate is still executed on the official website of our bank. In fact, there are interest rates for some high-end customers. But if the old customers want to enjoy the preferential treatment, they need to apply to the network counter when they are expired, and then they can enjoy it through the background audit.

After automatic pfer, we can not know whether we can enjoy the discount. "

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< p > another state owned bank stipulates more broadly, the fixed deposit period of more than 10 thousand yuan is up to 2 years, and the amount of less than 10 thousand yuan is less than 1 years.

Whether the old certificate of deposit is about to expire or the new customer can enjoy the discount of interest rate as long as it meets the requirements of the original deposit amount during the concession period.

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< p > however, bankers remind you that in order to avoid loss of interest, it is best to consult the bank before the deposit expires. In order to be safe, it is recommended to manually pfer to the bank counter.

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< p > < strong > Accounting: is it worthwhile to settle accounts below a href= "http://www.91se91.com/" > < /a >? < /strong > /p >

After the interest rate liberalization, the interest rates of the major banks are different, so that there is a large gap between the customers' income and P.

For example, a bank deposit of 1 million yuan will be kept for a year, and the bank income of implementing the benchmark interest rate will be 30000 yuan. However, the banks who implement 1.1 times interest rates will earn 33000 yuan, with a maximum interest rate of 3000 yuan.

The spreads over five years are even greater.

If 1 million yuan is kept for five years, the benchmark interest rate for five years is 4.75%, 1.1 times the interest rate is 5.225%, and the difference in five years is 23750 yuan.

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< p > interest rates are so large that many investors will definitely want to move their deposits.

The industry has cautioned that the formula for calculating the critical point of general pfer is: 360 days * period of interest (* new interest rate - original interest rate) (new interest rate - current interest rate).

Suppose that the current 5 year deposit of the customer enjoys the interest rate of 4.75% of the state-owned bank, and the interest rate of 5.225% of the other banks is calculated. The calculation can be found that if the deposit period exceeds 175 days, it will not be pferred.

According to the calculation, if one year's regular savings have been stored for 6 days, there is no need to change them.

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After the floating rate, the banks are not allowed to handle automatic pfer, that is, when the deposit expires, they can only be pferred manually and continue to enjoy the fixed deposit rate at that time. Otherwise, the interest rate will be calculated according to the current interest rate. P

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