Bank Deposit Interest Calculation Method Rules

The relevant provisions of deposit interest calculation are: 1, the starting point of interest for deposits is RMB, and the interest rate is less than yuan. The amount of interest is counted to be divided into four rounds and five entries. Except when current savings are incorporated into the principal at the annual interest rate, all savings deposits will not be renewed regardless of the duration of their deposits. 2, expiration withdrawal: interest is calculated on the basis of the time of deposit and withdrawal of the deposit date and the time deposit interest rate. 3, advance withdrawal: interest is calculated according to the current interest rate of savings deposit announced on the day of withdrawal. The portion of the advance withdrawals is payable on the basis of the current interest rate of savings deposit announced on the day of the withdrawal date, and the rest is paid at the time of expiration according to the notice of the opening date of the account, and the interest rate is calculated at the time limit. 4, overdue withdrawal: from the date of maturity, the original deposit period is automatically transferred. After the automatic transfer, the certificate of deposit is filled with a deposit period (according to the original deposit period of the deposit receipt), and the interest is paid at the time of maturity. The interest rate is calculated on the basis of the deposit and withdrawal rate of the time limit for the expiration date of the original certificate of deposit, and if the deposit is not saved again, the interest rate of the current savings deposit rate announced at the time of the withdrawal date will be calculated. 5, when the interest rate is adjusted, the interest rate will be calculated according to the corresponding fixed deposit rate announced on the account opening date. When interest rates are adjusted, interest rates should be calculated according to the interest rate of the current savings deposit announced on the day of interest payment when interest rates are 6. 7, large transferable time deposits: at maturity, interest is payable according to the large transferable time deposit rate announced on the opening day of the account. Do not take advance withdrawals, regardless of overdue interest. The specific calculation method is: 1, calculate the interest on demand savings: once a year, interest is added to the principal interest in July 1st. Before the date of the settlement, the household shall pay interest according to the interest rate of the current savings deposit announced on the day of the withdrawal, and the interest shall be counted one day before the date of settlement. In order to calculate the interest rate, we need to know the exact deposit period. In real life, the depositor's real life is not a whole year, and usually has a few days. Here is a simple and easy way to calculate the deposit time quickly and accurately. That is to say, the year, month and day of the day are deducted from the year, month and day of the day, and the difference is the number of days. For example: withdrawal day: June 20, 1998 - deposit day: March 11, 1995 = 3 March 9th, according to the stipulation of saving interest on the number of days in storage, the conversion days are: 3 * 360 (days) +3 * 30 (days) +9 if the birthdays are not enough, they can be deducted from the "month" minus "1" into 30 days plus on the withdrawal day, and then the respective reduction and the other analogy. This method is not only suitable for the deposit time, but also for the access time across the year. It is of practical value. 2, calculate the interest rate of the zero savings reserve interest at the time of maturity. The overdue part of the overdue payment shall be paid according to the interest rate of the current savings deposit announced on the day of the withdrawal. There are several ways to calculate interest rates in regular savings accounts. Generally speaking, households should use the monthly cumulative interest rate method. The formula is: interest rate = month deposit amount * cumulative monthly cumulative monthly interest rate, of which: accumulative month accumulate = (deposit frequency +1) * 2 * deposit times. Based on this, we calculate the cumulative monthly cumulative number of years (12+1) x 2 x 12=78, and so on. In this way, the cumulative monthly accumulative numbers of three and five years are 666 and 1830. respectively. In March 1, 1997, a depositor opened a deposit account for 100 yuan, and agreed to deposit $4.5 a month on a regular basis. The interest rate on the account is 4.5 per month, and the monthly interest rate shall be 4.5 yuan per month. The interest shall be: =100, 78, 4.5, 000 yuan, and the savings interest depositors will calculate the interest rate once a month. In case of urgent need, the depositor can make an advance payment of principal to the opening bank (not to take part in advance withdrawals), pay interest according to the current savings deposit rate announced on the day of the withdrawal date, and deduct the interest that has been withdrawn every month. The overdue part of the overdue payment shall be paid according to the interest rate of the current savings deposit announced on the day of the withdrawal. The method of calculating the interest of the reservoir is the same as the regular savings in whole storage and withdrawal. After calculating the total amount of interest, the average interest rate will be allocated according to the agreed interest rate. Example: in July 1, 1997, a depositor deposited 10 thousand yuan in interest saving interest, three years in fixed interest rate, 7.47% interest rate per annum, and agreed to take interest once a month. The total amount of interest and the amount of interest drawn each time were: the total interest amount was =10000 * 3 (years) * 7.47%=2241 yuan. The interest on each withdrawal is =2241 36 yuan (month) =62.25 yuan. 4, calculate the fixed interest rate and the saving interest rate: the fixed dual saving has the dual nature of regular or current savings. If the deposit period is less than three months, according to the current account, the rate of three months or more shall be calculated according to the forty percent off of the deposit rate of the same class. The period of deposit is more than one year (including one year), no matter how long the deposit period is, the whole deposit period will be calculated at forty percent off interest rate according to the one-year deposit interest rate fixed on the day of withdrawal. The formula is: interest = principal amount * deposit period * interest rate * 60%. Because of fixed interest, two deposits will not be fixed. The time of withdrawal is very likely to occur. This happens to the daily interest rate to calculate interest. Example: in February 1, 1998, a depositor deposited 1000 yuan in fixed assets and saved two yuan in June 21, 1998. How much interest should he receive? The real deposit of the deposit is 140 days, and it should be calculated on the basis of the forty percent off days of the three month interest rate (annual interest rate 2.88%). The interest shall be =1000 yuan * 140 days * 0.8%% (daily interest rate) * 60%=6.72 yuan.