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With 2 billion VND, how much interest will I get if I save for 18 months?

Người Lao ĐộngNgười Lao Động28/11/2024

(NLDO) - Deposit interest rates continue to increase as more banks join the market. For the 18-month term alone, interest rates at many banks currently exceed 6%/year.


On November 28, according to a reporter from Nguoi Lao Dong Newspaper, SeABank is the latest bank to adjust its deposit interest rate schedule.

SeABank has significantly increased deposit interest rates for some terms. Customers depositing for 1-2 months have an interest rate of 3.4%/year; for 3-5 months, the interest rate is 4.1%/year. The highest interest rate at this bank is 5.45% for terms from 18 months. The highest increase is up to 0.65 percentage points compared to before.

Many banks also list deposit interest rates exceeding 6%/year such as BacABank, BVBank, HDBank , Saigonbank...

Lãi suất hôm nay 28-11: Có 2 tỉ đồng, gửi tiết kiệm 18 tháng lãi bao nhiêu? - Ảnh 1.

Savings interest rates increase at many banks

With the upward trend of interest rates, many people also choose to deposit savings for long terms to enjoy higher interest rates. Mr. Hoang Thanh (living in Binh Thanh District, Ho Chi Minh City) said that he has 2 billion VND in idle money that he wants to deposit in a bank. He planned to borrow more money from the bank to invest in real estate, but the market in the city area is still quiet, so he decided to deposit it in savings. "I am looking for a bank with an interest rate of over 6%/year for long-term deposits," said Mr. Thanh.

With a savings deposit of 2 billion VND, if the term is 18 months, interest is received at the end of the term, the total interest will be 180 million VND. The amount the depositor receives after settlement is 2.18 billion VND. Calculated, the interest per month is 10 million VND.

Meanwhile, the State Bank has just issued Official Dispatch 9774/NHNN-CSTT requesting credit institutions and State Bank branches in provinces and cities to seriously implement measures to stabilize deposit interest rates and strive to reduce lending interest rates.

Specifically, the State Bank requires credit institutions to maintain a stable and reasonable deposit interest rate level, consistent with the ability to balance capital, the ability to expand healthy credit and the capacity to manage risks, contributing to stabilizing the monetary market and market interest rates.

The State Bank requires provincial and municipal branches to resolutely direct credit institutions in the area to maintain stable deposit interest rates, implement measures to strive to reduce lending interest rates; proactively announce information on lending interest rates, credit programs with preferential lending interest rates (if any) to customers to support businesses and people to develop production and business...



Source: https://nld.com.vn/lai-suat-hom-nay-28-11-co-2-ti-dong-gui-tiet-kiem-18-thang-lai-bao-nhieu-196241128115652446.htm

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