2024년 5월 8일 오전 라오동신문 기자의 조사에 따르면 은행 시스템의 12개월 저축 이자율은 연간 4.3~9.5% 정도 변동합니다. 여유가 있어 저축하고 싶은 독자들은 아래 글을 참고하면 된다.
Leading the 12-month savings interest rate table, PVcomBank lists interest rates up to 9.5%/year. However, to enjoy this extremely high interest rate, customers need to meet the conditions of depositing a minimum of 2,000 billion VND at the counter and only applies to products that receive interest at the end of the period.
Under normal conditions, PVcomBank is listing the highest interest rate at 4.8%/year when customers deposit online and receive interest at the end of the term. If customers deposit money at the counter, they will only receive interest at 4.5%/year.
HDBank lists the highest 12-month savings interest rate at 7.7%/year with the condition of maintaining a minimum balance of 300 billion VND. Under normal conditions, when depositing online savings for a 12-month term, customers receive an interest rate of 5%/year. If customers deposit money at the counter, they will only receive an interest rate of 4.9%/year.
Cake by VPBank is listing the highest interest rate for a 12-month term at 5.5%/year when customers receive interest at the end of the term. Customers who receive interest monthly and quarterly receive interest rates at 4.2% and 4.3%, respectively.
The highest interest rate listed by Cake by VPBank is 5.8% when customers deposit money for 24-36 months.
Cake by VPBank savings interest rate schedule. Screenshots
OceanBank lists the highest interest rate for a 12-month term at 5.4%/year when customers deposit money online and receive interest at the end of the term. OceanBank is listing the highest interest rate at 6.1%/year when customers deposit money for 18-36 months, receiving interest at the end of the term.
Deposit 1 billion VND in savings for 12 months, how much interest will you receive?
You can refer to the interest calculation method to know how much interest you will receive after saving. To calculate interest, you can apply the formula:
Interest = deposit x interest rate %/12 x number of months deposited.
For example, you deposit 1 billion VND into Bank A, for a 12-month term and earn an interest rate of 5.5%/year, the amount of interest received is as follows:
1 billion VND x 5.5%/12 x 12 = 55 million VND.
* Information about interest rates is for reference only and may change from time to time. Please contact the nearest bank transaction point or hotline for specific advice.