什么是存本取息定期儲蓄

什么是存本取息定期儲蓄

　　存本取息定期儲蓄是一種一次存入本金，分數次支取利息的定期儲蓄、這種儲蓄最適合那些一下子有整筆較大的款項收入，而在短時間之內又沒有比較大的計劃開支，將本金存入儲蓄所，按時支取利息安排日常生活即可的人士。接下來小編為大家整理了什么是存本取息定期儲蓄，希望對你有幫助哦!

　　Interest Withdrawal on principal deposited Time Deposit refers to savings deposit whose principal is deposited in a lump sum, whose interest is withdrawn by installment and whose principal is repaid upon maturity date. The minimum amount of the deposit is 5,000 RMB yuan and the maturities range from three grades: 1 year, 3 years and 5 years.

　　Service Features

　　1.Interest Withdrawal on principal deposited Time Deposit has the characteristics of long maturity and high interest rate ,and suitable for depositing of savings that will not be used within a quite long period of time.

　　2.The savings office will issue a deposit certificate(passbook) to you and you will be paid the principal in a lump sum when the deposit is due. The deposit amount is set by the depositor and the accrued interests are paid by installment.

　　3.The interest is calculated at the same rate on time deposit in the deposit term. If there is no withdrawal upon maturity date, the interest, whose principal is post-dated, is calculated at the current deposit rate quoted on the day of withdrawal. If the depositor agrees, the bank can manage a promissory or an automatic renewal time deposit. Then the interest will be calculated at the rate quoted on the redeposit day.

　　Procedures for Account Opening

　　1.In opening an account of Time deposit of small savings for lump-sum withdrawal, the depositor shall present his or her ID card or other valid credentials Chinese residents.

　　2.Such deposit may be withdrawn fully or partly prior to maturity for one time, or, upon authorization in advance, handled on agency renewal of depositing upon maturity by the bank.

　　3.At the time of account opening, the client may choose the method of withdrawal with a passbook or by password. If the method of withdrawal by password is chosen, the depositor shall enter on the spot a six-digit password into your savings account through the password processor on the counter.

　　存本取息定期儲蓄存款是指一次存入本金，分次支取利息，到期支取本金，起存金額為5,000元人民幣，存期分一年、三年、五年的一種儲蓄存款。

　　業務特點

　　1、存本取息定期儲蓄存款具有期限長、利率高的特點，適用于較長時期不用的節余款項的存儲。

　　2、由儲蓄機構發給存款憑證，到期一次支取本金。存款金額由儲戶自定，分期支取本息。

　　3、存期內按存入時同檔次定期利率計息，到期未支取，超過存期部份按支取日公布的活期利率計息 。也可根據儲戶意愿，辦理定期存款到期約定或自動轉存，存款到期轉存，按轉存日掛牌公告的利率計息。

　　開戶手續

　　1、開立存本取息定期儲蓄存款賬戶時，儲戶可憑其身份證或其他有效身份證件。

　　2、本存款可允許全部或部分提前支取一次，也可預約由銀行代辦到期轉期續存。

　　3、開戶時可選擇憑密碼取款或憑存折取款方式，如選擇憑密碼取款方式，儲戶須當場在柜臺上的密碼器上輸入一個6位數字作為賬戶的密碼。