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全港11大銀行港元定期存款優惠!高達4.8厘!起存額$10000!匯豐/恆生/中銀/渣打 @ 2023-10-11T04: Back Hot News
Keyword:定存
Concept:港元定存最高息 , 銀行港元定期存款優惠
華僑銀行的4.8厘也有驚喜,存期為9個月或6個月,50萬元起存。若以50萬元做9個月存期計算,收息約1.8萬元,比綠債3年收息更多。而且,目前該行提供的定存優惠,需要理財客戶才有最高4.5厘,所以綠債退款優惠高出0.3厘。
蘇先生收到退休金之後便將大部分轉為定期存款,分別將300萬元放了在一年定存,年息4.2厘,另外300萬放了在3個月定存,年息4.5厘。現時的環境,短期定存息率一般較長期定存高,估計原因是銀行不希望客戶只將資金保存在定期存款,希望他們有興趣購買其他理財產品。除此之外,亦可能反映了對未來中、長期的儲蓄利率會向下調整的機會。根據蘇先生現時所做的定存息率,及假設未來一年每三個月定存都能夠維持現時息率,由定存提供的平均息率便有4.35厘,當然息率並非保證,將來有機會增加或減少,要視乎當時利息周期走勢及銀行資金狀況而定,需要定期檢討。

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