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定期存款 Term Deposit
在AS姐的“威逼”下， 不得不先交一份作业。
本人在墨尔本工作了几个月，银行里有了一点小钱，暂时还未考虑到买房的事，所以想找一个利息高一点的账户。如果有几万的话，投资房产是比较好的。我对股票债券没什么了解，所以觉得存在银行里拿利息比较可靠和方便。所以比较了几家银行的TERM DEPOSIT定期存款。我觉得Commonwealth Bank比较好，再说我也只有Commonwealth Bank的账户。：）
Commonwealth Bank
Term Deposit "Internet Only" Special Offer*
Effective date : 3 December 2004
Amount Months Interest rate Per Annum
Standard or Compound Interest
$5,000 to $95,000 3 Month Term 5.20%
6 Month Ter 5.25%
9 Month Term 5.30%
12 Month Term 5.50%
Commonwealth Bank 的定期存款是只能通过Internet 办理。可以提早取出，但是利息就不高了。
ANZ
Term $5,000 to $24,999 $25,000 to $49,999 $50,000 to $99,999
4 months 4.50% p.a. 5.25% p.a. 5.25% p.a.
12 months 5.00% p.a. 5.26% p.a. 5.26% p.a.
WESTPAC
Term For amounts $100,000 < $250,000
For amounts $50,000 < $100,000
For amounts $20,000 < $50,000
For amounts $10,000 < $20,000
For amounts $5,000 < $10,000
4 months 5.00% 5.00% 5.00% 4.00% 3.50%
6 months 5.25% 5.25% 5.25% 4.75% 4.25%
12 months 5.30% 5.30% 5.30% 4.80% 4.30%
NAB
National Term Deposits $10,000 < $20,000
Interest paid at maturity/annually Interest paid quarterly Interest paid monthly
4 < 5 months 3.90% pa n/a n/a
6 < 7 months 4.50% pa n/a n/a
7 < 8 months 4.65% pa n/a n/a
12 < 13 months 5.05% pa 5.00% pa 4.95% pa
24 months 5.00% pa 4.95% pa 4.90% pa
National Term Deposits $5,000 < $10,000
Interest paid at maturity/annually Interest paid quarterly Interest paid monthly
4 < 5 months 2.20% pa n/a n/a
6 < 7 months 2.20% pa n/a n/a
7 < 8 Months 2.30% pa n/a n/a
12 < 13 months 2.85% pa 2.85% pa 2.85% pa
24 months 4.25% pa 4.20% pa 4.20% pa
注意，银行的利息是经常变动的，上个月我存款的时候，利息只有4.5%左右。现在有5.2%了。 幸好我也只定了三个月，可以拿出来再存。 虽然名义上是5.2%, 但是扣税后也不多。只有想办法在退税的时候再退回来一点。希望等税务方面的专家来说了。
另外有一个定期存款的网站http://moneymanager.smh.com.au/tools/compare/termdeposits.html
，不知道他是多久更新的。我上面的资料都是今天的20/12/2004.
希望有金融会计方面的桐子来补充。
[ Last edited by horseanddragon on 2005-1-2 at 07:15 PM ] |
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开贴讲金鱼 （全篇完结） (2011-5-26) fzha8447 
发表于 2004-12-20 13:53
发表于 2004-12-20 13:56
，帮忙看一下吧
