在邮政银行存款定期5年,5年后所存的钱会自动到卡上,还是要去银行说 我在邮政银行存了五年定期，工作人员说是一款百年人寿保险，五年...
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定期存款不能用ATM取钱！也不能刷卡，消费！只能在本地银行的柜台取钱！
要去银行的 ！很多霸王条款很隐蔽的！
绛旓細鍦ㄩ偖鏀块摱琛鐨勯摱琛屽崱閲瀛樻瀹氭湡5骞,閽辨湰鏉ュ氨鍦ㄩ摱琛屽崱閲岋紒5骞村悗鎵瀛樼殑閽辩殑鍒╂伅浼氳嚜鍔ㄥ埌鍗′笂,骞朵笖杩炲悓鏈噾鑷姩杞瓨锛佷笉闇瑕佸幓閾惰璇达紒鍙栭挶鍙互鍒伴摱琛岀殑鏌滃彴鍙栭挶锛侊紙闅忔椂閮藉彲浠ワ紝鏈埌鏈熶篃鑳芥彁鍓嶆敮鍙栵級锛佸畾鏈熷瓨娆句笉鑳界敤ATM鍙栭挶锛佷篃涓嶈兘鍒峰崱锛屾秷璐癸紒鍙兘鍦ㄦ湰鍦伴摱琛岀殑鏌滃彴鍙栭挶锛
绛旓細浜斿勾涔嬪悗杩炲悓鍒╂伅涓璧峰彇鍑烘潵锛屾槸涓嶆槸鐪熺殑涓嶈鐪嬪伐浣滀汉鍛樼殑璇存硶锛岃鐪嬪綋鏃惰喘涔颁繚闄╃鐨勫悎鍚岄噷鏄惁鍐欐槑銆瀛樹簲骞村畾鏈燂紝鍙樻垚浜嗙櫨涓囦汉瀵夸繚闄╃悊璐骇鍝侊紝杩欐槸鍏稿瀷鐨瀛樻鍙樼悊璐繚闄┿傚鏋滄湁缁忔祹鑳藉姏鐨勮瘽锛屽彲浠ヨ喘涔板垎绾㈠瀷浜哄淇濋櫓锛涘鏋滅粡娴庤兘鍔涗笉鍏佽鐨勮瘽锛屽敖閲忓湪鐘硅鲍鏈熷唴閫淇濓紝姣曠珶淇濋櫓鐞嗚储浜у搧涔熸槸鏈変竴瀹氶闄╃殑銆...
绛旓細姝ｅ父瀛樻鐨勮瘽鏄彲浠ョ殑銆傚湪鎮ㄦ兂鍙栫殑鏃跺欓兘鏄彲浠ュ彇鍑烘潵鐨勩傞氳繃鎮ㄩ棶棰樼殑鎻忚堪锛屾偍鍙兘鏄喘涔颁簡閭斂閾惰鐨勬煇绉嶉摱淇濓紝澶ф鏄憡璇変綘娌℃湁5骞涓嶈兘鍙栨锛岄氳繃閾惰閿鍞垨璐拱鐨勪繚闄╃О涓洪摱淇濓紝閾朵繚鏄繚闄╁叕鍙哥殑涓绉嶉攢鍞笭閬擄紝涓昏鏄熷姪閾惰琚ぇ浼椾俊浠荤殑浼樺娍锛岃繘琛屼繚闄╅攢鍞紝閾惰涔熶細鍒嗗緱鎻愭垚銆傝繖鏄竴绉嶄簰鍒╁叡璧...
绛旓細1. 鐩墠鍥藉瑙勫畾鐨閾惰5骞鏁村瓨鏁村彇骞村埄鐜囨槸5.50%锛屽厤鍒╂伅绋庯紱2. 5骞村悗鍒╂伅鎵寰 = 50000 x 5.5% x 5 = 13750锛3. 鏈伅鎬诲叡鎵寰 = 50000 + 13750 = 63750 鍗筹紝鍒版湡鍚庝綘鍙互鍙栧洖鏈噾鍜屽埄鎭叡锟63750銆
绛旓細6625鍏冦2023骞12鏈堬紝閭偍閾惰1骞存湡瀹氭湡瀛樻鍒╃巼涓虹櫨鍒嗕箣1.9锛5骞鏈熶负鐧惧垎涔2.65銆瀛樻5骞鐨勫埄鎭负锛50000涔樹互鐧惧垎涔2.65涔5绛変簬6625鍏冦傚疄闄呮敹鐩婁細鏈夋墍娉㈠姩锛屽彲浠ユ牴鎹閭斂閾惰鐨勫瓨娆惧埄鐜囧拰瀛樻鏈熼檺鏉ヨ绠楁渶缁堟敹鐩娿鍦ㄥ瓨娆鍓嶅悜閾惰宸ヤ綔浜哄憳鍜ㄨ锛屼簡瑙ｆ渶鏂扮殑鍒╃巼鍜岀浉鍏宠瀹氥
绛旓細鍚勫閾惰瀹氭湡瀛樻鍒╂伅涓鏍峰锛岄兘鏄墽琛屼汉姘戦摱琛岀粺涓鍒╃巼銆2011骞7鏈7鏃ュ叕甯冪殑鏈鏂伴噾铻嶆満鏋勪汉姘戝竵瀛樻鍩哄噯鍒╃巼 浜斿勾5.50 鍒╂伅=鏈噾脳鍒╃巼脳鏈熼檺 浜斿勾鍒╂伅=50000脳5.5%脳5= 13750鍏 鐩墠鏃犲埄鎭◣
绛旓細鐢变簬瀹氭湡瀛樻鏈闀5骞达紝瀛樹簡瀹氭湡鍏勾锛岃鏄庡埌鏈熷悗杞瓨杩囷紝濡傛灉鍙栧嚭锛屾渶鍚庝竴娆″畾鏈熷瓨娆炬寜娲绘湡鍒╂伅缁撶畻锛屼笉鏄緢鍒掔畻銆 瀹氭湡鍌ㄨ搫瀛樻鍒版湡鏀彇鎸夊瓨鍗曞紑鎴锋棩瀛樻鍒╃巼璁′粯鍒╂伅锛屾彁鍓嶆敮鍙栨寜鏀彇鏃ユ椿鏈熷偍钃勫瓨娆惧埄鐜囪鎭紝閫炬湡鏀彇锛岄炬湡閮ㄥ垎鎸夋敮鍙栨棩娲绘湡瀛樻鍒╃巼璁℃伅銆傚嚟鏈汉瀹氭湡瀛樺崟鍙姙鐞嗗皬棰濊川鎶艰捶娆俱 瀹氭湡瀛樻鏄閾...
绛旓細瀛閭斂閾惰9涓囧厓锛屽埄鎭槸4.76%锛5骞鍒版湡銆傚埌鏈熷悗锛屼綘涓鍏卞彇寰111420鍏冦瀹氭湡瀛樻濂斤紝杩樻槸娲绘湡濂姐傜幇濡備粖锛屽競闈笂鍚勭鍚勬牱鐨勭悊璐㈡柟寮忥紝澶у鍦ㄥ湪鐢熸椿涓篃浼氶夋嫨閫傚悎鑷繁鐞嗚储浜у搧鏉ヤ緵鑷繁鐢熸椿鐞嗚储锛岃禋鍙栧彟涓浠界敓娲绘潵婧愩傚叾瀹炲闈㈠緢澶氱悊璐骇鍝佽櫧鐒跺埄鐜囬珮锛岄闄╁嵈涔熷苟涓嶄綆锛屽湪涓嶅彲鎶婃帶鐨勬儏鍐典笅澶у鏁颁汉姣旇緝...
绛旓細瀛樺悇閾惰涓嶅悓鍒╂伅锛1銆50涓囧瓨涓浗閾惰5骞村埄鎭槸118750鍏冦備腑鍥閾惰浜斿勾瀹氭湡鍒╃巼鏄4.75%.鍒╂伅=鏈噾*鍒╃巼*瀛樻湡=50涓*4.75%*5=1187502銆佸瓨閭斂閾惰瀛5骞5骞鏈熷畾鏈熸椂锛屽勾鍒╃巼涓3.7%锛50涓囧厓5骞寸殑鍒╂伅灏辨槸500000*3.7%(骞村埄鐜)*5=92500鍏冦3銆50涓囧瓨涓浗鍐滀笟閾惰锛1锛夋暣瀛樻暣鍙栦簲骞寸殑鍒╃巼涓2...
绛旓細1銆瀹氭湡瀛樻锛鍋囧鎻愬墠鏀彇锛屾湰閲戞槸涓嶄細鏈夋崯澶辩殑锛屾崯澶辩殑鍙槸鍒╂伅2 銆佽繖绉嶆帹鑽愮殑鎵璋撳瓨娆撅紝鍋囧鎻愬墠鏀彇锛屾崯澶辩殑涓嶅彧鏄埄鎭紝鏈噾涔熸湁鍙兘鍙楀埌鎹熷け锛岃屼笖鍒╂伅涔熷埌涓嶄簡浣犻鏈熺殑鏀跺叆3 銆佸緢澶氶摱琛屽憳宸ユ湁钀ラ攢淇濋櫓鐨勪换鍔★紝浼氶噰鍙栬閬块闄╂潯娆撅紝涓嶅悜瀹㈡埛鍋氳缁嗚鏄庣殑鏂规硶锛屽皢鏉ュ嚭鐜伴闄╋紝濡傛灉鎮ㄥ悜閾惰鎶曡瘔锛岄摱琛浼...
