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加息后,存了多久的定期存款重新转存才划算面对加息,很多人肯定想到得把手上的存款重新转存。但仅从一年期的存款利率来看,1万元在加息前后多得利息25元。而定期存款一旦重新转存,从以前的存入日到转存日这段时间的利息,就按照活期利率计算,转存日之后才按照新的定期利率计算。如果转存造成的利息损失大于新利率到来的收益,或基本持平,就没必要去银行“折腾”自己的存款了。
After the interest rate hike, how long the deposit of fixed deposits was rescheduled was in the face of raising interest rates. Many people surely thought that the deposits on hand should be re-deposited. However, only from the one-year deposit interest rate point of view, 10,000 yuan interest rate before and after interest more than 25 yuan. Once the time deposit is resumed, the interest from the previous deposit date to the deposit date will be calculated on the basis of the current interest rate, and will only be calculated on the new fixed interest rate after the deposit date. There is no need to go to the bank to “toss” your own savings if interest losses due to rollovers are greater than the benefits of new rates or basically flat.