This article was updated on November 25, 2022.
“Fixed margins are good” analyzes the best fixed deposits of margin banks from different angles, remember to click to bury other articles at the end of the article!
The bank’s fixed deposit offer often has a headline rate. On the surface, the interest rate is very attractive, but it actually depends on the admission fee and the type of account of the customer. Previous【If you have 100,000 yuan, would you like to do a fixed-term plan?】List the low-threshold options of major banks.This time we raised the standard a little bit, if you loosen your hands, there is500,000 yuanif you want to put it in the bank for a fixed term, there are more high-interest options,There are at least 3 rooms for 5%there are 4 banks that reach 4.8%, and the options of 4.5% or above are listed below:
How regarding 500,000 yuan as a fixed term? (Arranged from lowest to highest annual interest rate)
HSBC, Standard Chartered and Bank of China Hong Kong’s three major note-issuing banks’ fixed deposits are up to 4.3%, which are not listed above. For details, please see:【Are the 4 major banks good at regular intervals?Hang Seng rises above 4% in 3 months, HSBC up to 4.3%】
3 Banks 5 Rs
The 5.5% discount of Ping An OneConnect ended early, but there are still 3 companies that can reach 5% when making a time deposit of 500,000 yuan.
Chong Hing Bank is a new classmate this week. The bank has recently increased the 12-month Hong Kong dollar regularly to a maximum of 5.05%, with a minimum deposit of 500,000 yuan, regardless of new or old funds, but it needs to be opened on the Internet/mobile bank. If it is opened at a branch, it must be new funds, and the maximum is 4.95%.
WeLab Bank is currently the only virtual bank with an annual interest rate of 5%. The deposit period is also the longest among the 5% army. It takes 15 months to deposit for 5%.
OCBC Wing Hang has recently extended its 12-month 5% discount until further notice. The minimum deposit amount is 200,000 yuan. Although it meets the deposit requirement of 500,000 yuan, please note that this discount requires a designated financial account, and the assets of the financial account The value must be 1 million yuan.
New students: Dah Sing Bank, livi bank
Dah Sing Bank and Livi Bank’s high-interest regular discounts have an initial deposit of 200,000 yuan, so if the principal is only 100,000 yuan, their interest rates will be lower. If this article adds it to 500,000 yuan, they will have the highest 4.8% and 4.6%.
500,000 yuan has an interest rate increase over 100,000 yuan
Fixed deposit is a game where the rich get richer. In the same bank, if the principal is increased to 500,000 yuan, there is a chance to have a higher annual interest rate. For example, the Bank of East Asia, the highest 4.7% for depositing 100,000 yuan, but the maximum 4.9% for depositing 500,000 yuan, but it needs to be a new customer of SupremeGold, and the deposit period is 12 months.
For Public Bank, CMB Wing Lung, etc., the more deposits, the higher the annual interest rate. However, banks may have other conditions, such as requiring new funds, opening online, or specifying a wealth management account. Look at the annual interest rate.
Written by: Liao Yiran
Revisit “Regular Boundary”:
【100,000 yuan for regular 2 banks, 5% and 9 at least 4.6%】
【Fixed deposit ─ 5% article: Dah Sing Bank up to 5.2% minimum 6 Bank 5% or above】
【Are the 4 major banks good at regular intervals?HSBC up to 4.3% note issuing bank】
“Regular time is good” lazy bag【Check the margins once and see if there are any risks】
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[Shi Sir’s one-week outlook and stocks with changes]Wharf Group, China Nonferrous Mining, COFCO Jiajiakang
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