Recently, a lot of intra-bank employees have been shared, with regard to the “submarine rules” for deposit delivery, oil delivery, and home electricity, and today i will provide you with a practical guide to pit avoidance in the light of the latest developments in the industry, so that, subject to compliance, the bank's wool can be made clear。
The smaller the bank, the more the gift, the more the secret
The demand for deposits varies from bank to bank, and the gift policy is completely different:
- state-owned (work-farming, etc.) businesses: rich, well-earned deposits, so the gift threshold is high and small. Small quantities of activity usually occur only at the end of the season and at the end of the year, and are mostly small items such as paper and laundry fluids。
- share-based banks and city comptoirs: gifts are rich and the threshold is relatively low in order to rob customers. For example, if you save 350,000, you can get rice, edible oil and even small household electricity。
- agricultural comptoirs, village banks: the greatest demand for deposits is for local depositors, often “low-blooded”. Not only are gifts of high value, but they also have the largest bargaining space, with more than 100,000 available for good gifts。
So if you are looking for a price for a gift, you might want to pay more attention to the city comptoirs and agribusinesses around you。
Ii. Deposit amounts corresponding to gifts: no standard answers, but reference areas
A lot of people ask, how much money do you save to get your gift? In fact, banks do not have uniform rigidity, and more so the points are flexiblely adapted to their own performance pressures. However, we can refer to an approximate "stairlock":
Amount of deposits common gifts reference remarks
10,000 - 20,000 for paper, soap, mineral water, snacks, and more for new guests or companions. Ryo
30,000-50,000 rice (5 kg/10kg), edible oil (5l), laundry fluids, most common “entry level” gifts
100,000 - 200,000, electric cookers, waffles, blowers, canteens
Over 200,000, air-cooked, ground-cleaning robots, shopping cards, gold coupons
Focus: even if you have only $350,000, you can ask yourself, “what is the current deposit?” and you can get a hand-in-hand gift。
Iii. 3 “factual recommendations”: selecting the right time, making the difference
In addition to looking at the bank and the amount, choosing the point of time at which the deposit is to be made can make you do a lot more:
1. End of month, end of season, end of year gold period
Bank appraisal cycles are usually monthly, quarterly and yearly. At these nodes, the nodes would be able to pull deposits at any cost in order to meet performance indicators. At this point, you don't have to mention, the client manager will be willing to shove the gift into your hand。
One-year term is the most “cost-effective”
From the bank's perspective, one-year term deposits are most welcome to them. Because the funds are modest and mobile, they are also the most generous on gifts. For too long (three, five years) the interest rate is high, but the interest is lost early when the money is spent; it is too short (three months, six months) and banks feel that you “can't stay” and naturally do not benefit much。
New customer identity is “buff”
Most of the bank's gifts activities are prioritized towards “new clients”. If you first opened an account with this bank, the gifts are often much more generous than the additional deposits made by older clients。
Iv. A reminder that these wools should never be
While gifts are tempting, several pits must be avoided, or they may not be paid:
Watch out for “high interest plus gift” bindings
The regulations make it clear that banks cannot raise the interest rate on deposits by offering gifts. If someone told you that “the saving of 100,000 is not only a floating interest rate, but also an updated cell phone”, it would be absolutely illegal, often with a huge risk hidden behind it, possibly of illegal fund-raising or fraud。
2. Do not sacrifice mobility for gifts
It would be very irrational to keep all the savings in the family for five years in order to get an electric meal. The loss of interest paid in advance may well exceed the value of the gift when there is an urgent need for money in transit。
3. Read the “small word clause”
Many activities have hidden conditions, such as “restricted to new customers”, “must open mobile banking and credit cards”, “deposit for more than six months” etc. Before signing, the rules of activity must be clearly identified and ex post facto disputes avoided。
Summary
Bank deposits are essentially a marketing tool. What we have to do is not to be held by gifts, but to enjoy those benefits rationally, while ensuring the security and mobility of our own funds. Remember that the smaller the bank, the more the gift, the more the timing is right, the more the gift is doubled, and the more you say it, the better it is。
Finally, you are reminded that there is a risk of financial management and that savings need to be carefully managed. In the pursuit of “sweet wool”, the security of funds must be paramount。
What interesting activities or pits do you have in your bank accounts? Welcome to the comment area to share your experiences and skills, and we'll talk together and make the wool more clear
