請推薦高利率一年定存(辛苦錢30萬元) - 銀行
By Lucy
at 2008-06-18T00:29
at 2008-06-18T00:29
Table of Contents
省吃儉用的存下一筆30萬小錢(賺錢真辛苦囧rz),目前存放在台銀內,
因為明年要還學貸,所以說單純只想定存約一年^^"""
爬文之後,有以下銀行利率最高
機動利率 固定利率
陽信商銀 六至未滿七個月 2.380 2.890
一年至未滿十五個月 2.550 2.680
萬泰銀 純新台幣定存加碼
三個月 2.85%
ps.說明要臨櫃辦理,那是要每三個月辦理一次@.@?
煩請各位板友提出有更有利方案,謝謝<(_ _)>
推 maydaychi:萬泰的活動到7月中,所以你只有這3個月可以有2.85%,活動 06/18 00:35
→ maydaychi:過後基本上就恢復到一般利率,沒有繼續加碼,沒啥賺頭 06/18 00:37
→ maydaychi:並不是你存了這一次,就永遠給你3個月2.85%的高利 06/18 00:37
原來如此,我懂了,謝謝maydaychi的解說^^ 推 TZUYIC:存臺銀就好了,不用再考慮了,若月底央行升息,臺銀也將是 06/18 00:59
→ TZUYIC:第一個調升利率的銀行,你可以考慮六月底後存機動一年期。 06/18 01:00
恩,那存固定利率會不會錢比較多@.@? 推 hlyf:萬泰的活動一直都有在舉行...就看他何時比較不缺XD 06/18 01:00
恩~~~,銀行真賊XD 我們也很賊^^a → TZUYIC:況且整存整付一年是複利計息,那個萬泰三個月存四次會比臺 06/18 01:01
→ TZUYIC:銀整存整付優嗎? 06/18 01:01
推 maydaychi:如果是以台銀的利率為準,民營銀行一年期定儲跟台銀一樣 06/18 01:16
→ maydaychi:2.7%還有聯邦,台新..他們都跟台銀利率一致調整 06/18 01:18
推 TZUYIC:聯邦調整速度都有夠慢的,臺銀調整完約莫快二個月才跟進, 06/18 01:22
→ TZUYIC:要存就存臺銀就好了,不用麻煩到民營銀行開戶了。 06/18 01:23
推 ahchikan:南非幣 06/18 08:03
謝謝各位板友的意見^^ ※ 編輯: chingpig 來自: 192.83.187.104 (06/18 09:33)
推 TZUYIC:你有看到我的這句嗎『若月底央行升息』,而且若央行還不停 06/18 09:39
→ TZUYIC:止升息,繼續的話,你應該就會了解我為什麼寫機動。 06/18 09:40
→ chingpig:恩,我了解,因為我貪年利率0.06的差額~"~a 06/18 09:55
→ chingpig:剛剛查了一下台銀的升息歷史,機動的確會比較有利^^謝謝你 06/18 09:57
推 cuteju:陽信一年固定利率是2.9才對喔 06/19 00:08
推 maydaychi:天阿. 陽信一年2.9%..央行大概還要再升息個幾次台銀才會 06/19 00:39
→ maydaychi:到2.9%..150萬以內真的考慮轉去存了 06/19 00:39
推 socu:台銀升息個一碼就到2.9%了 =,= (定期儲蓄存款機動) 06/19 10:04
→ socu:如果一年升息個兩次 科科 06/19 10:04
推 socu:不過升的也通常不是定期的利息.... 06/19 10:12
推 TZUYIC:升的幾乎都是定存利率,最近一次升息也是升定存利率,調降 06/19 10:25
→ TZUYIC:活存利率,我之前貼的報導就寫的很明白。 06/19 10:25
推 maydaychi:央行如果升1碼,銀行覺對不會升到1碼..不然哪來利差?? 06/19 11:23
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