[問題] 定存利率問題(機動)
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我今天去華南辦理定存業務
我選擇1年期 機動利率(1.37%)
然後每月會給我利息錢
1年到期我不續存 直接將本金轉入我的戶頭
我問說 我每個月領到的利息錢應該會不太一樣吧
辦事小姐說:
都是一樣的 因為你一年到期不續存 換年度才有差
所以你這一年的利率就是1.37%
我再問說: 可是不是選機動會依照每天利率變換而有所差別嗎
辦事小姐說:不是 是看你存入當下的利率 因為你沒續存 所以就是固定的
以上..
請教各位大大,是我認知錯誤嗎?
我剛也有查網路&爬文 感覺跟我的認知一樣
可是那位辦事員感覺蠻有資歷了
還是 機動利率計算轉換的單位 並不是都是按日 像華南是按年...
今天華南的固定跟機動利率都是1.37%
那照辦事員說的我不是選什麼都沒差嗎...
再請解惑 謝謝
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