Interest = principal x interest rate x term =100000 * 0.35% * 30/360 = 291.67 yuan.
Extended data
Regular interest on large bank deposits:
At present, the interest rates of large deposits of the four major banks are all 50% higher than the benchmark interest rate of the central bank; The interest rates of large deposits in joint-stock banks and listed city commercial banks are 52% higher than the benchmark maximum floating limit. The benchmark interest rate of central bank deposits: one year 1.50% and two years10%.
The bank's deposit interest rate is very high, and the interest rate is different with different initial investment amount and term. The interest rates of major banks fluctuate within a range, and their minimum deposits are also extremely high.
The deposit amount in China Construction Bank shall not be less than 200,000 yuan, and the initial deposit amount of the bank shall be 200,000 yuan. The annual interest rates of lump-sum deposit and lump-sum withdrawal are 65,438+0.53% for 0 month, 65,438+0.54% for 3 months, 65,438+0.82% for 6 months and 9 months respectively. The annual interest rate is 1 year 2. 10%, 18 months 2.52%, 2 years 2.94%, 3 years 3.85% and 5 years 3.85%.
Commercial banks have two main provisions for large withdrawals:
1. According to the regulations of the bank, a depositor who withdraws more than 50,000 yuan (excluding 50,000 yuan) in cash from a savings account (including a bank card) is a large amount of cash. When withdrawing a large amount of cash, in addition to handling the withdrawal receipt and other procedures according to the original regulations, it is also necessary to provide valid identity documents to the counter staff of the savings institution, and the savings institution can only pay after reviewing it.
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2. For a one-time withdrawal of more than 200,000 yuan (including 200,000 yuan), the depositor should also make an appointment with the savings institution by telephone at least 1 day in advance, so that the savings institution can prepare cash.
Valid identity documents include resident identity card, household registration book, military identity card, passport and residence permit for foreign depositors.
In order to avoid liquidity risk and avoid the situation that depositors suddenly withdraw a large amount of cash, and the cash on hand is not enough to meet the withdrawal requirements of depositors, banks are required to make an appointment in advance to inform banks so that banks can make overall arrangements and prepare cash in advance.