2023-08-18 02:37:30
The government announced the details of the distribution results of the silver bonds. Those who subscribed for 22 lots or less were allotted, and nearly 90,000 applications received 23 lots.
Many banks have previously disclosed that even though each person can only apply for a maximum of 100 lots (that is, 1 million yuan), there are still many customers who subscribe for more than 1 million yuan. It is estimated that these large buyers are for the refund of bank bonds, because the interest rate of Hong Kong dollar time deposits has been rising day by day recently, not only the ultra-short deposit period of 1 week/1 month, but even the longer deposit period (at least 3 months). If the rise exceeds 5%, you can make large deposits and receive more interest than bank bonds at any time.
Suppose you are allocated 20 lots of silver bonds with a principal of 200,000 yuan, a guaranteed annual interest rate of 5% and a 3-year interest rate of 30,000 yuan 43,000 yuan
Recently, banks have increased fixed deposit interest, most of which are high-threshold products with an initial deposit of 1 million yuan or more, or require new wealth management customers, who obviously want to absorb large-amount bank bond refunds.
For example, the 12-month 4.3% mentioned in the above table is a discount offered by China Merchants Wing Lung. If the initial deposit amount reaches 5 million yuan, there will be an additional 4.5%;
Citigroup has the highest 3-month 5.2% in the city, and the minimum deposit threshold is low, only 50,000 yuan, but there are many conditions attached. It requires a new private client (8 million yuan in assets), and at the same time holds designated investment products.
Refunds of bank bonds and new funds are not necessary
It should be noted that the main requirement of most banks is new funds, and it does not necessarily specify that the bank bond must be subscribed by the bank before the time deposit can be opened.For example, 4.75% of OCBC Bank, eligible customers are those who are qualified to apply for bank bonds, and they will refund the bank bondsorNew funds can be opened.
The following table shows the current high-interest time deposits with high thresholds, what is the initial deposit amount and the attached conditions, and readers can find the “foothold” that suits their bank bond refunds by themselves:
High-interest fixed deposit bank annual interest rate (deposit period) suitable for bank bond refunds Other conditions for deposits Citibank 5.2% (3 months) 50,000-8 million yuan New private customers (8 million yuan in assets);
Investment products with at least US$10,000 (or equivalent) Dah Sing Bank 5.1% (3 months) 100,000-500,000 yuan New VIP banking service customers (total wealth management value of 1 million yuan) 4.9% (3 months) 1 million VIP banking service customers new funds Chong Hing Bank 5.0% (3 months) 5 million new funds for all customers 4.8% (3 months) 1 million OCBC Bank 4.75% (9 months) 500,000 eligible banks 4.7% (3 months) for new funds of CCB Asia for qualified applicants for 1 million yuan All customers new funds CNCBI 4.68% (6 months) 10,000 yuan for bank bond refunds issued by branches 4.28% (12 months) ) Fubon Bank 4.6% (6 months) 1 million yuan for all customers, branch new funds 4.5% (3 months) China Merchants Wing Lung 4.5%
(December/September/6 months) RMB 5 million mobile bank opening, regardless of new and old funds 4.3%
(12/9/6 months) RMB 1 million ICBC Asia 4.5% (98 days) RMB 3 million Elite Club customers, branch new funds 4.3% (188 days) Bank of East Asia 4.4% (3 months) 2 million-5 million 4.3% (6 months) 4.1% (12 months) 4.3% (12 months) for 10,000 yuan new Supreme Private Wealth Management customers, 1 million yuan designated wealth management customers, online new funds
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[US dollar fixed deposit]5.5% higher interest rate than silver bonds, 5.1% for 1 year
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