The six major violations of the interest rate hike recent media are discussing and guess whether the deposit and loan interest rate can be improved in seven-tongue. As a savvy investor, it should not regret it after the rate of interest, but it should be prepared before the rate of interest, do a variety of preparations, or immediately start the family financial adjustment immediately after the rate of interest.
Truals of housing and consumption loans as soon as possible.
Bank loan interest rates is performed for a certain policy. If you have credit needs such as buyers, consumption, you may wish to apply for loan procedures early. After the loan is completed, if the central bank has increased the deposit loan interest rate, you can enjoy the low interest rate before the rate of interest during a year, thereby occupying the bank's cheap.
The tricks are suspended to buy treales.
The implementation of the national debt is the contract interest rate, which means that today I bought the national debt. If the interest rate is raised tomorrow, you can only pay more than the interest rate agreed. Moreover, the payment of the voucher national debt has suffered a certain loss, and the inconsistent interest in the year is less than half of the year. It can only enjoy the deposit rate of the living period in half a year, and the other will pay one thousandth in advance. Surveying fee, so that shortly after the purchase of national debts, if the deposit tax rate is higher than the same national debt, then you are equal to being "set".
Trual three Consider transferring foreign currency to RMB savings.
At present, the deposit interest rate of common foreign currency such as dollar, yen, Hong Kong dollar, and euro is lower than the renminbi deposit. If you encounter the interest rate of RMB deposit, the stock currency will be more affirmary. If you do not consider the change of exchange rates, you will have a renovation interest, you can enhance the foreign currency in the hand into RMB savings, so that the high interest income after the rate of interest is enjoys.
Trual four use a good notice of deposits.
Notifying deposits refers to the deposit time without a deposit period, and the bank needs to notify the bank in advance, agreeing to pay a deposit species for the amount of information. Personal notice The lowest deposit amount is 50,000 yuan, and the length of the deposit is divided into two varieties in seven days, and seven days in advance. Notifying deposits of deposits do not indicate the comparative and interest rates, banks are based on the corresponding interest rates and actual residences of the listing announcement. That is, if the payment deposit is deposited before the rate of interest, the deposit can be allowed to enjoy the new interest rate after adjustment.
Trick five cautious purchase insurance.
Investment life insurance and dividend life insurance accounted for most of the current total insurance varieties, many insured is a replacement product of such insurance as a replacement product of savings. In this way, after the deposit rate is raised, the cash return rate of this product may not be as good as banks, and the actual dividends of recent dividends are not ideal, so investors who are simply pursue in cash return can change their income. High bank savings.
Truals Six by consumption to share the results of inflation in terms of consumption.
After the interest rate is raised, there must be a certain inhibition of inflation --- people who have saved money, there are few people who consume, some of the relative prices will fall, consumers will reach "small flowers at this time" The financial management effect of money and more work.
