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作者 TZUYIC 在 PTT [ Bank_Service ] 看板的留言(推文), 共51099則
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收起看板(561)
31F推: 王道是每日計息是,如果你用本金x2%x(N/365)會得到很接近05/20 15:38
32F→: 的結果。05/20 15:39
33F→: 因為是複利計息,實際的利息會比上面算式再多一些。05/20 15:39
34F→: 看看你存幾天就給幾天的利息,沒有少給。05/20 15:40
35F→: 根據我今天利息,王道還是用365去當分母,不是用366,利息05/20 15:41
36F→: 比我想的還多一點點。05/20 15:41
57F推: 如果是本金x年息x1/12,以這種算法,單利來算,半年利息是05/20 18:28
58F→: 3000(我每筆拆300,000),但是今天給的利息是2998,如果05/20 18:30
59F→: 用實際存款天數去算(2023/11/20-2024/5/20,共182天),05/20 18:31
60F→: 比較能算出不滿3000元的利息結果。@@"05/20 18:31
61F推: 王道客服當初回答我就說是用實際存款天數去計算利息。05/20 18:33
62F推: https://i.imgur.com/trbRlLz.png05/20 18:37
65F推: HSBC 2%定存專案,也是用實際存款天數去算,有寫在活動注05/20 18:51
66F→: 意事項中,只不過HSBC白紙黑字寫出分母採366(今年有229)05/20 18:52
67F→: 存半年一次領息的話就本金x年息x(183/366)05/20 18:53
68F→: 不過我之前存HSBC專案定存時,每個月的利息都不一樣,就真05/20 18:53
69F→: 的是看付息那個月實際經過幾天這樣(如果選存本取息)。05/20 18:54
95F推: 王道的試算是用一般公式粗略概算,但真正計息時是用實際情05/20 20:55
96F→: 況精確計算。05/20 20:56
97F→: 在本金30萬元之下,王道試算出來的利息是3013元,這是通用05/20 20:57
98F→: 公式才會跑出來的結果,如果你用一般銀行網站上利息計算器05/20 20:57
99F→: 去算,也會得到這個數字。05/20 20:58
100F→: 銀行不會吃虧的,你真正存了幾天,他就給你幾天的利息。05/20 20:59
103F推: 王道可能沒想那麼多,想說只是給大家看看而已。XD05/20 21:02
113F推: 多一點人反應,王道可能有機會在未來修正做定存頁面的利息05/20 21:31
117F→: 概算,如果沒什麼人反應,大概就不會改了。05/20 21:31
120F推: 其實星期六的時候,王道就把定存本利和放到活存帳上了,05/20 21:37
122F→: 雖然此時明細尚未入到活存明細,但存款金額已經增加,那時05/20 21:38
123F→: 有點我就驚訝:什麼!每筆利息不到3000元嗎!!05/20 21:38
124F→: 等今天上班日正式的明細出來後……還真的不到3000元。05/20 21:39
125F→: 當時以為利息是3013元,真正的利息卻是2998元。05/20 21:40
130F推: 王道「信貸」2.1%05/20 21:52
131F→: https://tinyurl.com/mryrehf7 高利專車進站中台幣最高2.105/20 21:54
132F→: 活儲4個月期 最高年利率2.1%05/20 21:54
137F推: 新的活存專案沒有比較好,去年20萬2%才是最好的。05/20 22:07
139F推: 那還不如先存三個月1.91%定存墊檔,差一個月而已。05/20 22:29
195F推: 感謝各位大大鍥而不捨追出真正的運算式,非常感恩!05/21 14:47
199F推: 定存是看哪天起存,從起存日計息,跟每月21日應該沒關係。05/21 14:54
200F→: 至於每月利息何時滾入本金計算下個月利息,大概只能相信客05/21 14:54
201F→: 服了,畢竟客服的資料也是內部給的,照念而已。XD05/21 14:55
313F推: 大額要拆單,不要讓單筆利息超過2萬就不會扣到補充保費05/24 20:03
32F推: 台新六個月美金定存是多少?遠東商銀目前是六個月5.2%,要05/24 10:02
33F→: 不易考慮換一家存,遠銀應該沒有那麼龜毛。XD05/24 10:02
34F→: 小提醒,你的標題一周的一打成注音符號ㄧ,建議修正一下。05/24 10:03
1F推: 我沒跟美國往來過,想請教大大,在台灣一般是單筆交易達等05/22 23:58
2F→: 值新臺幣50萬元會被當作是大額交易,那在美國也有類似規定05/22 23:59
3F→: 嗎?金額是多少美金呢?我滿好奇的。^^"05/22 23:59
53F推: 玉山網路約定帳號匯款,上次行員說最多可以匯出25萬美金,05/23 11:19
54F→: 一般使用上應該是足夠的,匯一次就搞定也省匯款手續費,05/23 11:20
55F→: 分很多筆匯要浪費好多手續費。05/23 11:20
6F推: 全球HSBC都終止與你的往來關係了吧,去別國開應該也GG了。05/22 13:44
29F推: HSBC如果要結束與客人的往來關係,就是全面終止,沒有那種05/22 16:03
30F→: 停一半的,信用卡也屬於銀行服務的一環。05/22 16:04
42F推: 如果要設定給金融卡,記得申請約定帳號時,要填金融卡後三05/22 16:46
43F→: 碼,一般戶就填388,原Direct就填789,我自己是一律填:05/22 16:47
44F→: 388/789,這樣就兩張金融卡同時都約定進去了。05/22 16:47
2F推: 怎不存王道三個月1.91%,差一個月,利率還更高。05/22 13:00
7F推: 真的是不知道想表達什麼東西,看得很無言~~05/21 14:04
1F→: 有沒有搞錯,這不是新聞,這是網友自己Blog寫的東西。05/19 21:34
2F→: 更何況他還是用筆名,連個真正的名字都沒有。05/19 21:35
9F推: 沒有永久的,太久沒放錢,到時候會寄降等紙本通知信給你。05/18 21:13
49F推: 渣打有給過生日蛋糕跟餐券?從沒遇過!!05/19 21:03
28F推: 華南銀行的電子對帳單,備註如果只有兩個字,其中一個字還05/10 16:09
29F→: 會變成○,我真的不知道是要對什麼鬼帳!05/10 16:10
99F推: 人人都是股神的話,世界上就沒有那麼多人破產跳樓了。05/09 20:49
103F推: 從另一個角度想,大四生不亂花錢,沒有亂投資,把錢存起來05/09 20:59
104F→: 其實很值得稱讚不是嗎,至少不是當敗家子~05/09 20:59