Starting from next year, friends with a deposit of more than 200,000 yuan, you need to prepare early.
I would like to tell you the good news, which I have just learned, from a classmate who has been working in a bank for more than 20 years.
Otherwise, I really don't know that there is so much knowledge in the bank! It's really professional and skillful.
This is indeed the case, and it is not false at all, there should be 95% of friends who do not know that depositing money in the bank is knowledgeable. I will share it with you today, so that everyone knows and prepares early.
Yesterday, I went to the bank and wanted to put the 210,000 yuan on my salary card, which is the hard-earned money I have saved in the past few years, and I want to save it for a fixed time, thinking that I can have an interest! At the same time, I can save money, afraid that if I do business again, not only will I not make any money, but I will also make my family angry.
Oh, yes! In recent years, it has been difficult to find a job and make money, and our ordinary family is not suitable for investment and business at all. In case of loss, lose all the money in the family. How many years can't turn over, what can I do when I get old and have no money! It's hard to move an inch!.
So I went to work for a classmate at the Agricultural Bank of China, who was a bank manager who had worked for more than 20 years.
I'm thinking about saving for a three-year term, which is neither long nor short, and it feels just right. Before I met my classmates, other people recommended a variety of financial products to me, and I felt unreliable, wasn't it insurance? Don't dare to buy.
When I saw my classmate ten years later, I explained to him what I was trying to do, and my classmate asked me directly, what is the purpose of saving money? I said you're stupid! I want to earn some interest! I also asked, do you know why the interest rate on fixed deposits has been decreasing? I said I don't know, I'm not a bank worker.
He said that the current economic depression, housing prices have fallen, fewer people are buying houses, developers are not building houses, and there are fewer people taking out loans!
At the same time, there are no real estate loans, and now no houses are built. Banks lend at high interest rates, and people have low interest on their deposits, and the banks earn the difference in the middle.
But now there are fewer people who take out loans, and more people who save money, so that the interest rate of the bank is bound to fall, otherwise there will be no money for those who deposit.
Your 210,000 yuan, if you save for a three-year fixed term, the annual interest is a few thousand yuan, which feels not cost-effective, and there is a high interest rate that is more suitable, that is, a large certificate of deposit.
This large deposit requires a deposit of at least 200,000 yuan, which is not available every day, but an elective deposit, and it can be deposited for a few days a year.
He said, since you don't need the money now, just save it all at once. At present, the economy is in recession, and there will not be many people taking out loans. Therefore, there is also a limit to this large certificate of deposit, and a higher amount may be required to deposit in the future.
If you want to deposit, you must make an appointment with the bank in advance, and there may not be any activities! So you need to be prepared.
The classmate also said that if you want to do financial management, you must be accurate, don't be attracted by high interest rates, and buy in a daze, otherwise your hard-earned money will be wasted. If you're buying a wealth manager, I can recommend a few to you.
Now that this large-amount certificate of deposit happens to be active, it is still recommended that you buy a large-amount certificate of deposit, after all, the interest rate is high! Aren't we just thinking about making some interest money?
It's really like waking up from a dream, I didn't expect that there are so many ways to save money!
Family, do you have any other good suggestions? Feel free to chat in the comment area.
#宾利车主不顾血污将受伤路人送医##大额存单可以提前支取吗?##大额存单的存款利率是多少?##心系家国#