Demand deposit: the interest rate is 0.3%;
2. Regular access: 3 months 1.35%, 6 months 1.56%, 1 year/.78%, 2.25% for 2 years, 2.75% for 3 years and 2.75% for 5 years;
3. installment withdrawal, lump-sum withdrawal and deposit withdrawal: 1 annual interest rate 1.35%, 3 annual interest rate 1.56%, 5 annual interest rate1.56%;
4, fixed work and two conveniences: a 40% discount on the same interest rate within one year;
5. Agreement deposit: interest rate1%;
6. Notice deposit: 1 day interest rate 0.55%, 7-day interest rate 1. 1%.
Second, the loan interest rate:
1. Short-term loans: 4.35% within 6 months (inclusive) and 4.35% from 6 months to 1 year (inclusive);
2. Medium and long-term loans: 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for more than five years;
3. Housing provident fund loans: 2.75% for less than 5 years (including 5 years) and 3.25% for more than 5 years.
The above is the latest interest rate of China Postal Savings Bank in 2022.
What does it mean to lower the deposit interest rate?
The reduction of deposit interest rate represents the funds deposited by users in the bank. As profits decrease, users will reduce their bank deposits. At the same time, the loan interest rate will also decrease with the decrease of deposit interest rate. Users have reduced the cost of bank loans and accelerated the release of bank funds to a certain extent. When the deposit interest rate decreases, users can increase their income by purchasing some financial products:
1. Fixed investment fund: The fixed investment of the fund refers to the fixed amount invested in a specific open-end fund within a fixed time range. When the interest rate of bank deposits decreases, users can choose to invest in some stock funds every month to make a profit;
2. Subscription of convertible bonds: Convertible bonds are bonds issued by listed companies to better finance the society. It has the characteristics of stocks and bonds. For steady users, you can buy some convertible bonds, which have benefits, mostly around 10%;
3. Stocks: Although stocks are relatively risky, they have relatively large profit margins. When the deposit interest rate drops, users can choose to buy some blue-chip stocks and white-horse stocks. In the long run, its rate of return may be very rich, which can increase the value of capital to some extent.