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【速搜问答】银行零存整取是什么意思

问答 admin 9个月前 (03-21) 174次浏览 已收录 0个评论

汉英对照:
Chinese-English Translation:

零存整取是银行定期储蓄的一种基本类型,储户在进行银行存款时约定存期、每月固定存款、到期一次支取本息的一种储蓄方式。零存整取一般每月5元起存,每月存入一次,中途如有漏存,应在次月补齐,只有一次补交机会。存期一般分一年、三年和五年。

Zero deposit and lump sum withdrawal is a basic type of bank time deposit. When depositors make bank deposits, they agree on the deposit period, make a fixed monthly deposit, and withdraw the principal and interest at maturity. In general, the lump sum deposit is 5 yuan per month, and the deposit is once a month. If there is any missing deposit in the middle of the month, it should be made up in the next month. There is only one chance to make up. The deposit period is generally divided into one year, three years and five years.

零存整取是银行定期储蓄的一种基本类型,储户在进行银行存款时约定存期、每月固定存款、到期一次支取本息的一种储蓄方式。零存整取一般每月 5 元起存,每月存入一次,中途如有漏存,应在次月补齐,只有一次补交机会。存期一般分一年、三年和五年。

Zero deposit and lump sum withdrawal is a basic type of bank time deposit. When depositors make bank deposits, they agree on the deposit period, make a fixed monthly deposit, and withdraw the principal and interest at maturity. In general, the lump sum deposit is 5 yuan per month, and the deposit is once a month. If there is any missing deposit in the middle of the month, it should be made up in the next month. There is only one chance to make up. The deposit period is generally divided into one year, three years and five years.

零存整取计息按实际存款金额和实际存期计算,具体利率标准按银行利率表执行。

Zero deposit and lump sum interest is calculated according to the actual deposit amount and the actual deposit period, and the specific interest rate standard is implemented according to the bank interest rate table.

零存整取是定期存款的一种,指的是每月固定存款(5 元起存),存款金额由储户自行决定,每月存入一次,存期分为一年、三年、五年期三种,中途如有漏存,需要在次月补齐。如果储户没有在次月补齐,到期支取时按照实存金额和实际存期计息。

Zero deposit and lump sum withdrawal is a kind of fixed deposit, which refers to the fixed deposit (starting from 5 yuan) every month. The amount of deposit is decided by the depositor himself. The deposit is made once a month. The deposit period is divided into one year, three years and five years. If there is any omission in the middle of the deposit, it needs to be made up in the next month. If the depositor fails to make up the balance in the next month, the interest will be calculated according to the actual deposit amount and the actual deposit period.

举个例子:储户办理零存整取业务后,可以在第一个月存入 10 元钱,在第二个月存入 8 元钱,在第三个月存入 50 元钱,之后的月份中都存入 5 元钱,则储户可以选择在一年、三年、五年后取出一次性取出存款。

For example: after a depositor handles the business of small deposit and lump sum withdrawal, he can deposit 10 yuan in the first month, 8 yuan in the second month, 50 yuan in the third month, and 5 yuan in the following months. Then he can choose to withdraw the deposit in one time after one year, three years or five years.

零存整取存款相当于一个存钱罐,每个月将一定的资金存入,需要支取时,一次性取出。零存整取的特点是逐月存储,化零为整,适合每月有固定节余的储户,可以在银行的所有网点通兑。

The petty deposit and lump sum withdrawal deposit is equivalent to a piggy bank, which deposits a certain amount of money every month and withdraws it at one time when it needs to be withdrawn. It is suitable for depositors with fixed savings every month and can be cashed in all branches of the bank.

如果储户想要理财,但是自己的资金较少,且每个月都可以拿出不低于 5 元的资金存款,那么储户可以办理零存整取业务。零存整取一般与整存零取搭配使用,可以到达“利滚利”的效果。

If depositors want to manage money, but they have less money, and they can take out a deposit of no less than 5 yuan every month, they can handle the business of small deposit and lump sum withdrawal. In general, it can achieve the effect of “rolling profits” when it is used together with the whole deposit and withdrawal.

将整存零取产生的利息存入零存整取账户中,以利息产生利息,是一种较为高效的储蓄方法。

It is a more efficient saving method to deposit the interest generated by the whole deposit and withdrawal into the zero deposit and withdrawal account and generate interest by the interest.


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