In order to get more benefits, some people take the high-speed rail to save money across provinces. Is it really a good deal?

Recently, many banks in many cities have lowered their deposit interest rates.

In order to enjoy more interest and keep their money bags, more and more depositors even take the high-speed train to save money across the city at 6 am.

Whether it is cost-effective, let's analyze it together:

To save money by taking the high-speed train across the city, we should not only consider saving, but also consider sitting after maturity. So two round trips need to buy four high-speed rail tickets, which means transportation costs and time costs.

There is another key point. If you want to get more interest, first, you need more principal. Second, higher interest rates are needed; Third, it will take a long time. Moreover, these three elements are indispensable.

30000*0. 1%*5= 150 yuan.

30000*0.5%*5=750 yuan.

In the above data set, when the principal is only 30,000 yuan, even if the interest rate in different places is higher than the local interest rate, it is assumed to be 0.5%, and the total interest will be 750 yuan for five years and 600 yuan for five years. This money does not exclude transportation expenses, but it is obviously hundreds more;

300,000 * 0.1%* 5 =1500 yuan.

300,000 * 0.5% * 5 = 7,500 yuan.

In the above data set, when the principal is 300,000 yuan and the interest rate is 0.5%, you can take the high-speed train to save money for five years. If you can honestly hold the maturity, you can get more than 7000 interest income, excluding transportation expenses. And there is still a lot of interest income, which is more cost-effective.

Through the comparison between the two groups, it can be seen that the overall cost performance is very high.

As my friend calculated, after deducting the transportation expenses, she saved 654.38+ten thousand yuan, which can add 1250 yuan interest. We are all ordinary people, and our main source of income is work. Looking for bank deposits with better interest rates across provinces can be said to be an "open source" way. What about the extra 1250 yuan interest? Who doesn't want it? If you are very rich, forget it.

Moreover, saving money across provinces is not so troublesome, and it is not difficult to operate. Now that the traffic is so developed, a high-speed train is just around the corner, so it's good to visit other provinces.

I also saw a message on the Internet. Just at the end of April this year, Ms. Xu of Suzhou found that the local three-year time deposit interest rate of Jiangsu Bank was 3. 1%, while that of Shanghai was 3.5%, and she also gave gifts. So she and her best friend set off from home at 6 am and arrived at the bank at 9: 30. As a result, she was shocked that there were already 50 people waiting in line in front, which showed that there were really many people coming. Later, she also bought the most cost-effective three-year time deposit. Tell me, is this trip worth it? !

Calculate another account according to Ms. Xu's situation: Jiangsu 3. 1%, Shanghai 3.5%. If it is a deposit of 200,000 yuan, the three-year interest difference is 2,400 yuan; If it is a deposit of 500,000 yuan, the three-year interest difference is 6,000 yuan. The high-speed train from Jiangsu to Shanghai is fast and cheap. Why not come?

However, it should be noted that it is necessary to ensure that the money can be withdrawn when it expires. If you withdraw in advance, you will enjoy the final interest rate. Not only did not get more interest, but also wasted time and transportation costs, which was really uneconomical.

In short, it is more cost-effective to take the high-speed rail across the city to save money. You think, if you lend someone 20 yuan, you have to pay it back! What's more, there are hundreds of thousands, as well as bank gifts. If I were you, I would do the same.

Let's look at the interest rate again. Interest rates will be lowered. No, you can make a reference:

Dong Ximiao, chief researcher of Zhilian Finance, said in an interview: Guiding commercial banks to moderately lower deposit interest rates is a concrete manifestation of the role of the market-oriented adjustment mechanism of deposit interest rates, which is in line with the policy orientation of the central bank. It is expected that the deposit interest rate will still fall in the future.

The account manager of a business outlet of Nanjing Bank in Fengtai District, Beijing also told the reporter: "The decline in deposit interest rates has become a general trend. It is recommended that customers extend some funds and recommend insurance products. "