But at any rate, he also borrowed 200,000 here. If there is no limit on withdrawing money from the VIP account, that would be fine.

The level of interest rates is secondary to him, it's just the icing on the cake.

Just put it in now, and when he goes home, you can take it all out in one go and take it back.

Again, since there is no Internet now, he is worried that the money will be gone. He has no other way out of town, and he is also worried that he cannot withdraw it all at once.

The average person's salary is only a few dozen yuan, and a family's income is several hundred yuan a year, and they still have to spend money. How can they have money to deposit in the bank? Nowadays, very few people can go to the bank to deposit and withdraw money.

Only when relatives in other places remit money do people go to the bank to withdraw money.

Ye Yaodong was very poor in his last life and had never saved any money. When he was a crew member, he would always get cash to go home during holidays, and he was already almost an old man.

"Let me take a look at the annual interest rate. There is a table. The deposit time is different, and the interest rate is also different. Please wait for me." After Shen Ming'e finished speaking, she hurried to the office upstairs.

Ye Yaodong had no choice but to sit and wait, while he also thought about whether to save it or not.

If you really want to open a VIP account for him, then he thinks it's okay.

It feels safer than keeping the money around and hiding it in various places.

Compared with the risks of banks, the risks of people are greater. Never consider human nature.

He only waited for a short while, and Shen Ming'e took the form directly for him.

"You can see for yourself, everything is listed clearly, and the interest rate is not low, it is higher than what I saw in foreign banks."

Ye Yaodong took a closer look and found that the annual current interest rate was 2.88...

“Three months 6.3!”

He was surprised and glanced at Shen Ming'e.

"Yes, that's why I asked you to deposit it in the bank. Don't exchange it for 50 yuan banknotes. How unsafe is it to have so much money in your hands? There will be interest if you deposit it directly in the bank. If you need it, please notify us a week in advance and the account manager will

Inform the bank to have the money ready and it will be withdrawn for you when the time comes."

Ye Yaodong no longer cared about listening to what she said, and stared at the list in his hand one by one.

Half a year is 7.74, one year is 10.08, two years is 10.98, three years is 11.88, and five years is 13.68!

"Fuck..."

"What's wrong?"

"nothing."

He widened his eyes and looked again. Yes, there was no dazzle.

“Interest rates are so high!”

"Yes, that's why I advise you to make a deposit. We can also open a VIP account for you and assign you a dedicated business manager."

He takes back what he just said, who said interest rates are secondary to him, they are just the icing on the cake!

Damn it, if he saves it for a year, 200,000 yuan can earn 20,000 yuan more in interest!

It's much easier to make money than him collecting rent.

And he borrowed 200,000 from the bank, did nothing, and deposited 200,000 more, and the interest in three years was more than 70,000?

Damn it! The loan is short!

Didn’t he gain blood by doing this?

He originally thought that if he had too much money on hand and it was no longer possible, he could simply repay the loan in advance to avoid being unsafe.

Who wants to pay back this damn thing? Of course I will save it and earn interest!

The interest rate is so high, the time deposit for 5 years is more than 13 points!

"Do you have a calculator? Calculate for me how much it would cost to save 200,000 for 5 years?"

"One year is 27360, five years is 136800."

Ye Yaodong was shocked!

After five years of storage, more than half of the blood will be recovered!

Nearly 70%!

How could he not know in his previous life that interest rates are so high these days!

He knew it would be high, but he didn't know it was so high!

You can't even collect that much in rent. Although you can make huge profits by buying a house or land in the future, it won't be so explosive in a few years.

Now this deposit is simply the best financial management!

Now I deposited it in 1987 and took it out in 1992, just in time to buy land!

Ye Yaodong slapped his thigh fiercely, "Oh my god."

Shen Ming'e was a little confused by his actions, "What are you doing?"

"Too late!"

"Hey, let me tell you, just deposit it and see how long it takes."

"Are you sure you can get it?"

"Don't worry about this. We are such a big bank. We are a formal state-owned bank. We are much more reliable than credit unions. We will give you a passbook and deposit slip for deposits. What are you afraid of?"

"Who is my business manager?"

"I!"

"Okay, if you don't give it to me after five years, I'll have to bring hundreds of workers to your house to pay off your debt."

Shen Ming'e looked at him speechlessly, "Don't worry."

Ye Yaodong was really excited about the 5-year regular interest rate of 13.65 years.

He still has about 700,000 to 800,000 yuan in cash at home.

This was what was left after investing in the fish canning factory, in which he invested 80,000 to 90,000 yuan.

The cash at home is enough now, and he still has to find a way to spend it, but he can't spend that much. If he really spends it, Lin Xiuqing will definitely not be able to part with it.

Now that the bank has such a high interest rate, he thinks he might as well just deposit the 200,000 on a regular basis.

Otherwise, just leave it alone, just like the money at home.

He repaid the loan of 200,000 yuan to this state-owned bank and just pretended to believe it.

"If 200,000 is deposited on a three-year term, how much is it per year? If it is deposited on a five-year term, how much is it per year?"

"The three-year regular payment is 23,760 per year, the three-year regular payment is 71,280, the five-year regular payment is 27,360 per year. After five years, in addition to the principal of 200,000, you can also receive 13,680. The difference between two years is 65,520."

"So much difference!"

He took the calculator and calculated it again.

After thinking about it, 5 years is still a good deal, since he still has a lot of cash at home.

I have earned 200,000 yuan in just over a month, and I can earn more than 100,000 yuan this month. When I get home, I will be able to save a lot of money and take it back with me.

It's better to deposit the money you have now to be safer.

The key is that his interest rate is so good!

If you save for 5 years, you can get back 70% of the principal in interest alone.

It is impossible for him to spend all the money at home, and Ah Qing will definitely not agree to it.

Just keep this money just in case.

For his current efficiency in making money, it is not very high. He can earn it in a month, but at the critical moment, this money can save his life and help him make a comeback.

Three Cunning Rabbit Cave.

Then, after a few boats from the factory are handed over, in a few months, he will accumulate a sum of money on hand, and then use it to book a 40-meter large boat.

In this way, he won't always have a lot of money. At least the money he earns in these few months will be arranged.

Shen Ming'e persuaded him again, "I suggest you just save for 5 years. The interest rate is always changing. If you have this interest rate now, you may not have it in the future."

This is true!

This interest rate is only available now. Although it will not be cut in half in a few years, it will definitely fall.

Only in the millennium will it be cut in half and interest rates will continue to be cut.

She added: "You have so much money, it is very cost-effective to save it, otherwise it would definitely not be safe for you to carry so much money with you."

"This interest rate may not be considered high for ordinary people, because if ordinary people save only one or two hundred, they will only get a few dollars more throughout the year."

"It's different for you. You are a big boss, and you have a lot of funds coming in and out. If you have some spare money saved just in case, you can also save it to earn interest."

Ye Yaodong said: "You are right to come to work in the bank. Since you are so sharp-tongued, no wonder you have become a business manager."

"Nonsense, I obviously know a lot of people and they all got me as clients."

"I saved so much in one go. Not many people can do it, right? Are there any benefits?"
To be continued...