Savings bonds is mainly sold by outlets of several major state-owned banks such as China, agriculture, industry and construction. Investors can go to the official websites of these big banks to inquire about their issuance announcements, and they can also go to some bond websites, such as He Xun bonds.
The announcement of the issuance of savings bonds will generally be announced in advance. Through the announcement, investors can know the amount, term, coupon rate, start and end date and maturity date of the current national debt.
It should be noted that there are minimum and maximum purchase amounts for purchasing government bonds, with the minimum being 100 yuan, and the excess being an integer multiple of 100 yuan and the maximum being 5 million yuan. The purchase of "voucher-type treasury bonds" can not exceed 300,000 yuan in a single transaction, but it can be purchased by stages. If you buy electronic government bonds, the maximum purchase amount of the account in the current period is generally 5 million yuan.
After buying savings bonds, investors can choose to hold it, repay the principal and interest at maturity, or withdraw it in advance, and the interest will be calculated in different grades. Specific interest rates are as follows:
If you hold savings bonds for more than half a year but less than 2 years, interest will be deducted for 6 months; If savings bonds holds it for more than 2 years but less than 3 years, the interest for 3 months will be deducted; If you hold savings bonds for more than 3 years but less than 5 years, you will be deducted 2 months' interest. At the same time, investors often need to pay a certain fee according to 1‰ of the redemption principal.