If you have a house, you don't need to worry about renting a house. After all, renting a house now is not a small expense. If you have a car, you can't save money. On the contrary, you spend a lot of money on the car every year. Although the deposit of 800,000 yuan is not small, can you really live a carefree life? Or can you barely support yourself? Let's take a look together. How much interest can 800 thousand be put in the bank for financial management every year?
If 800,000 yuan is deposited in a state-owned bank, the annual interest rate is 2.75%, and the annual interest is 22,000 yuan for three years, with an average monthly interest of 1.833 yuan; If it is a three-year certificate of deposit, the annual interest rate can reach 4. 15%, and the annual interest income is 33,200 yuan, with an average of 2,766 yuan per month. It can be said that this interest income is relatively high in state-owned banks, but if compared with other domestic banks, it is definitely low.
If there are some small and medium-sized banks or private banks, the interest rate you can get should be higher than that of state-owned banks. If you deposit 800,000 yuan in small and medium-sized banks at one time, you can even talk about interest rates with banks. Take a three-year time deposit as an example, the annual interest rate can reach about 4.6% (the local credit cooperative where Bian Xiao is located can reach this interest rate), and the annual interest earned is 36,800 yuan, with an average of 3,066 yuan per month; If you deposit in a private bank, the three-year interest rate is around 4.5%, but the five-year time deposit rate can reach 5.2% or even 5.5%. Take 5.2% as an example, the annual interest of 800,000 yuan is 4 1.600 yuan, with an average of 3,466 yuan per month.
To sum up, although 800,000 yuan is not a small deposit, if you deposit money in the bank, you can earn at least 22,000 yuan of interest every year, and the highest interest can reach 4 1.600 yuan. But can this interest income support your life?
Per capita disposable income in China
According to the data released by the National Bureau of Statistics, in 20 19, the per capita disposable income of Chinese residents was 30,733 yuan, but Bian Xiao would like to say here that this is an average of the national average, that is, the national population1400 million. According to the data released by various provinces, the per capita disposable income in Shanghai in 20 19 was 69,442 yuan, and that in Beijing was 67,755 yuan. Judging from the provinces with published data, the disposable income of nine provinces has exceeded 30,733 yuan. It can be seen that even if the annual financial income reaches 4 1.600 yuan, you can't live the carefree life you want, and even in some cities, you have to consider life problems.
abstract
800,000 yuan is really a big deposit. You still have a house and a car, but remember never to live on interest. If you have retired, you have nothing to say. If you are still young and strong, you should work hard to make money, which is easily overlooked by many people. Now 800 thousand is 800 thousand's purchasing power, but there may be 700 thousand left five years later What about ten years later? Therefore, only when the wealth reaches a certain level, such as 20 million, can you live the life you want, and work hard, * * *!