“Time Deposit Bian Jian Hao” analyzes the best time deposits of Bian Jian Bank from different angles, remember to click the other articles at the end of the article!
Apart from Hong Kong dollars and US dollars, Hong Kong people most often place RMB time deposits. The recent rise in the dollar has eased slightly, and the yuan has rebounded regarding 2 percent once morest the dollar so far in November.This website compares the RMB regular annual interest rates of nearly 20 banks. The current method isshould be short rather than longup to 15% in one week, and up to 7% in one month, but the highest long-term interest is only 2.75%, which is a long way from foreign currencies such as Hong Kong dollars, US dollars, and even British pounds.
Renminbi fixed deposit ratio
Short-term storage is better than playing, and the exchange rate risk is also lower
Renminbi fixed term should be short rather than long. Firstly, the exchange rate fluctuates. Second, long-term interest rates are not attractive. On the contrary, short-term interest rates are higher than ordinary foreign currencies.For example, Citi currently offers1 month 7%RMB fixed term, but must be opened in a branch. Fubon and CNCBI also have a one-month fixed term of more than 4%, and the initial deposit amount is not high, only 100,000 Hong Kong dollars equivalent and 10,000 Hong Kong dollars equivalent respectively.
For 1 week, the highest interest rate isCCB Asia’s 15%However, this offer needs to be opened at the same time as the bank’s “Monthly Interest Increase Savings Account”, otherwise it is 11%. Get rid of this choice,Both Fubon and Nanshang have 13.88%CNCB has 13.8%, all of which are only required to be exchanged funds.
2.75% requires 5 million yuan to be deposited for 2 years
At present, the long-term RMB interest rate is not attractive. The highest interest rate is 2.75% of China Merchants Wing Lung, but the initial deposit must be as high as 5 million RMB, and the deposit period must be as long as 24 months. If this requirement can be met, the interest rate will be 27.5% in 2 years. ten thousand yuan.
If the initial deposit is a little less, 100,000 yuan, CMB Wing Lung also has 2.7%, and 10,000 yuan is 2.65%. However, depositing for 24 months is a long time for many readers to lock up funds, and the risk of exchange rate is high.
12 months up to 2.6%
If it is a 12-month deposit period, China Merchants Wing Lung’s maximum is 2.4%, which is inferior to the 2.6% of Standard Chartered and Bank of Communications. Moreover, the initial deposit of the latter two is only 10,000 yuan, which is relatively close to the people.
2.3% for 6 months 2.15% for 3 months
Due to the recent interest rate cut by Public Bank, the current maximum deposit period of 6 months is 2.3% of Fubon’s, but the initial deposit needs to be 1 million Hong Kong dollars or equivalent in new funds or exchange funds. NCB’s 2.3% threshold is relatively low. If you open online/mobile banking, the minimum deposit is only 1,000 yuan.
In terms of 3 months, the above-mentioned merchants have the highest rate at 2.15%, and the minimum deposit amount is 100,000 yuan for new funds or exchange funds; Xuyin Furong has 2.1%, and a deposit of 500,000 yuan is required.
Want to watch the US dollar regularly:The margins of USD time deposits are good – up to 10% for 12 months and up to 5.1% Nearly 20 Bank long-term and short-term deposit terms read clearly
Hong Kong dollar time deposit benefits:
【100,000 yuan for regular 2 banks, 5% and 9 at least 4.6%】
【Have 500,000 yuan to spare? 11 banks are higher than 4.5%】
【Are the 4 major banks good at regular intervals?HSBC up to 4.3% note issuing bank】
【Fixed deposit ─ 5% article: Dah Sing Bank up to 5.2% 6 banks up to 5% or above】
Fixed deposit lazy bag: 【How regarding a high-interest time deposit?A lazy bag】
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