How to calculate the interest of personal notice deposit business of China Bank?

Provisions of the Bank of China on Interest-bearing of Personal Notice Deposits;

1. Personal notice deposit bears interest according to the corresponding interest rate level announced on the withdrawal date and the actual deposit period, and the interest is paid off with the principal. In case of interest rate adjustment during the interest period, interest shall not be calculated by installments.

2. Automatic transfer of notice deposits

Interest shall be calculated according to the notice deposit rate announced on the day of transfer (if the notice deposit rate or interest-bearing method is adjusted, its interest income may be higher or lower than that of the notice deposit that has not been agreed to be transferred due to different applicable interest rates and interest-bearing days).

3. Don't transfer the notice deposit automatically.

The interest is calculated according to the corresponding interest rate published on the withdrawal date of the deposit. The interest-bearing days are the actual deposit period (that is, the day before the deposit date to the withdrawal date), and the interest is paid off together with the principal. In case of interest rate adjustment during the interest-bearing period, interest will not be calculated by stages.

4. Under the following circumstances, the notice deposit shall bear interest at the deposit interest rate.

(1) If the actual deposit period is shorter than the notice period, the interest will be calculated at the deposit rate.

(2) If the withdrawal is not notified in advance, the withdrawal interest shall be calculated according to the deposit interest rate.

(3) If the withdrawal is made in advance or overdue after notification, the interest on the withdrawal part shall be calculated according to the deposit interest rate.

(4) If the withdrawal amount is less than or more than the agreed amount, the interest will be calculated at the deposit interest rate.

(5) If the withdrawal amount is lower than the minimum withdrawal amount (50,000 yuan), interest will be calculated at the deposit interest rate.

5, one day, seven days notice deposit, deposit interest calculation rules and methods in addition to meet the basic provisions of interest calculation, there are the following provisions:

(1) If the notice deposit is not withdrawn or the notice is cancelled within the notice period, no interest will be accrued during the notice period.

(2) If the notice deposit is partially withdrawn, and the retained part is higher than the minimum deposit amount (50,000 yuan), it is necessary to fill in the notice deposit certificate again and calculate the deposit term from the original account opening date; If the retained part is lower than the initial deposit amount, it shall be closed or transferred to other deposits, and the interest shall be calculated according to the deposit interest rate listed on the closing date or the transfer date.

(3) You have agreed on the date of withdrawal, but in case of special circumstances (such as banking system upgrade or holidays), the last working day before the holidays will be the notice date. If it is impossible to withdraw the notice deposit on the agreed withdrawal date due to special circumstances (such as the upgrading of the banking system or holidays), a notice reservation can be established by countersigning, and it can be handled after being reviewed according to the relevant provisions of the bank countersigning business. At the time of withdrawal, interest is calculated according to the call deposit rate and actual deposit period on the withdrawal date, and interest is not calculated by installments.

(Answer time: 65438+February 6, 2023)

The above contents are for your reference. Please refer to the actual business regulations.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.