怎样计算存款利息
关键词：怎样计算存款利息
我们把钱存入银行除了为了安全存放资产之外，更重要的是为了得到利息收入，那么银行的存款利息是怎么计算的呢？接下来，大田小编来为大家详解。
一、四大银行最新存款利率表
| 项目 | 年利率% | |
| 活期 | 0.35 | |
| 定期 | ||
| 整存整取 | 三个月 | 1.85 |
| 半年 | 2.05 | |
| 1年 | 2.25 | |
| 3年 | 3.25 | |
| 5年 | 3.35 | |
| 零存整取、整存零取、存本取息 | 1年 | 1.85 |
| 3年 | 2.05 | |
| 5年 | 2.15 | |
| 通知存款 | 1天 | 0.8 |
| 7天 | 1.35 | |
二、如何计算存款利息
现假设某客户有10万元需要存入银行1年，按照不同的方式存入，利息计算具体如下：
1、活期：利息=本金×年利率×时间
100000×0.35%×1=350
2、整存争取：利息=本金×年利率×存款年限
100000×2.25%×1=2250
3、零存整取：利息=月存金额×累计月积数×月利率
10万分成12个月存入，即每月存入约8333.33元
累计月积数=（12+1）÷2×12=78
利息=8333.33×78×（1.85%÷12）=1002.08元
综上所述，10万元存入银行一年，最多的收益仅达到2250元。但如果把钱投资到伦敦金，以一手单盘面获利2美元计算，一个月20天每天一手单，那么一个月的总收益就为4000美元，远高于存款利息。因此，大家若想要实现资产增值，小编建议大家投资伦敦金等贵金属，详情可以登录大田环球官网了解，另外现在在大田开户，还能免费享受专业的新手教程，有专业的老师指导您如何投资。
本文来源： 大田环球贵金属
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