现在澳洲最高存款利息是多少？

coolioo

BankWest History
History

BankWest first opened its doors for business in 1895, as the Agricultural Bank of Western Australia. It was established by the Government of Western Australia to help develop the State's farming industry.

In 1945, it became a trading bank and changed its name to the Rural and Industries Bank of Western Australia. Over the next 50 years, it grew to become a market leader in its home State.

In 1994, the Bank changed its name to Bank of Western Australia Ltd, and adopted the trading name BankWest, to clearly identify it with the State as a whole.

BankWest was acquired in December 1995 by Bank of Scotland. As part of the sale agreement, Bank of Scotland subsequently offered 49 per cent of the shares in BankWest to the public. BankWest shares listed on the Australian Stock Exchange on 1 February 1996.

In 2003, the majority shareholder of BankWest, HBOS plc, acquired the remaining shares in the company. HBOS plc was formed in 2001 as a result of the merger of Bank of Scotland (a major UK clearing bank) and Halifax Group plc (a large UK financial institution).

BankWest is a wholly owned subsidiary of HBOS plc, one of the world's largest financial services groups, with assets of about AUD$1,250 billion (£540 billion). Standard & Poors short-term credit rating for BankWest is "A-1+" and "AA-" for the long term, providing customers with investment grade security.

micfox001

BankWest是不可能让你享受一年的，要不然，谁还会去存定期？如果是半年的，８.２５％的复利就不如８.５％的定期。

（１+０.０８２５／１２）^6 = 1.041965517 < 1+ 0.085/2 =1.0425

[ 本帖最后由 micfox001 于 2008-5-28 14:53 编辑 ]

coolioo

楼上说的对，那我存个定期吧

micfox001

其实我觉得８。２５％复利比8。５％要好（即使是半年），不是因为利息的增益，而是因为存进去的钱可以随时拿走，不会给套牢。

gkgkgk

原帖由 micfox001 于 2008-5-28 14:52 发表
BankWest是不可能让你享受一年的，要不然，谁还会去存定期？如果是半年的，８.２５％的复利就不如８.５％的定期。

（１+０.０８２５／１２）^6 = 1.041965517 < 1+ 0.085/2 =1.0425

哎呀。 多谢提醒。
我原来一直以为用（１+０.０８２５／１２）^12算出来的结果减1再除以2就是6个月的利率呢……（笨的咧……）

stay

原帖由 micfox001 于 2008-5-28 14:47 发表
个人觉得，BankWest的可靠性还可以。因为它还有其他的一些银行服务，比如Transaction Account, personal loan, credit card等等。而且它的前身就是Bank of Western Australia。现在它在非西澳的其他的城市支行也越开 ...

这样看来也很可靠，西澳perth那边很有钱的，都是大头

stay

刚查了一下，bankwest 8。5%的是7个月定存款，一个月不能多，一个月不能少

micfox001

原帖由 stay 于 2008-5-28 23:04 发表
刚查了一下，bankwest 8。5%的是7个月定存款，一个月不能多，一个月不能少

嫌７个月太短还是太长？

[ 本帖最后由 micfox001 于 2008-5-29 00:12 编辑 ]

stay

不长不短。只是对这个规定好奇，只能是7个月。6个月或者8个月利息就很低了

micfox001

原帖由 stay 于 2008-5-29 00:43 发表
不长不短。只是对这个规定好奇，只能是7个月。6个月或者8个月利息就很低了

澳洲其他银行（包括四大）的term deposit都是这样的。在某个时期是存某段时间的年利率最高，其他比它长或者短的时间年利率都要比它低。那些分行不是每天都竖一个牌子在门口，写着一个大大的百分比数字在上面吗？那个就是那天做Term Deposit最高的年利率啊。

oradba

Bankwest 8.5% 7 months...gold term deposit

alyssa

２家银行的ＴＥＲＭ　ＤＥＰＯＳＩＴ　１年的都是８．７％

１.Institution Suncorp
Contact Number 13 11 55
Product Name flexiRates (online) - Suncorp eOptions
Min Invest Amount -  
Max Invest Amount 999999999
Interest Paid By Rollover on Maturity
Penalties for Early Withdrawal Last quarter of term - 20% of interest accruedThird quarter of term - 40% of interest accruedSecond quarter of term - 60% of interest accruedFirst quarter of term - 80% of interest accrued

２.Institution Macquarie Private Wealth
Contact Number 1800 789 789
Product Name Macquarie Bank Term Deposit
Min Invest Amount 10000
Max Invest Amount -  
Interest Paid By Direct Credit
Penalties for Early Withdrawal Withdrawal of funds from your Term Deposit Account before its designated maturity date will be at Macquarie’s discretion and a break fee may be charged to you. The break fee for breaking a Term Deposit will be based upon the timing of the break and the amount withdrawn.

[ 本帖最后由 alyssa 于 2008-6-12 21:32 编辑 ]

我是老人

昨天存的,今天看到,明天转存.

黑山老妖

westpac 8.7% 3年。

loushenghong

原帖由 黑山老妖 于 2008-6-14 22:02 发表
westpac 8.7% 3年。

我没有看错吧？

如果我的贷款时8.55%，岂不是。。。。。

micfox001

Which type of account? Investment?

alyssa

老妖，我找到的都是一年期的存款呀，
怎么就没有人有兴趣呢？

黑山老妖

那个westpac 3年8.7%是有人看到的special。一天而已。
但是说明一个问题，现在银行缺钱。。。

lifejoy

我也在申请.

micfox001

现在对term deposit基本没有兴趣。因为不想把钱套牢。当然，如果你能找到一个On call savings比8.25%要高的。还是很有兴趣的。

liujiajian

sun crop 12month @8.8% $25000 or abrove

我是老人

实践证明,我现在是花花大少. 绝不要定期.

选了BANKWEST的8.25

helloeatty

还是 on call saving 好， 不用给套牢