The highest listed interest rate for 18-month term capital mobilization in Ha Tinh is currently 5.9%/year.
The beginning of the year is usually the time when banks offer attractive policies to attract savings deposits from the population. However, compared to previous years, the interest rates on deposits at banks are considered less attractive. This causes the savings at banks to decrease sharply compared to the same period.
The “big 4” in Ha Tinh, including Agribank, Vietcombank, VietinBank and BIDV, are applying a fairly low deposit interest rate framework on the market. Specifically, Agribank Ha Tinh II Branch is listing an interest rate of 1.7%/year for a 1-month term, 2%/year for a 3-month term, 3%/year for a 6-month term and 4.8%/year for a 12-month term. It is known that the highest interest rate at this branch is for 24, 25 and 36-month terms at 4.9%/year.
Customers come to deposit savings at Agribank Ha Tinh II Branch.
Agribank Ha Tinh II Branch is "running" the "Welcome Spring Giap Thin" prize savings package with a structure of 802 prizes (total value of nearly 1.2 billion VND), so in the first days of the new spring, the number of customers coming to save at this "bank" is also quite high.
For Vietcombank Ha Tinh, the highest savings interest rate is currently 4.7%/year for terms of 12 - 60 months. In addition, for terms of 1 month, Vietcombank lists interest rates of 1.7%/year, 3 months is 2%/year, 6 months is 3%/year...
Ms. Nguyen Thi Ngoc Ha - Head of Customer Service Department, Vietcombank Ha Tinh said: "The total capital mobilized up to this point of the entire branch has reached 13,000 billion VND. Currently, the capital mobilization interest rate is low, so the number of customers saving at the branch has also decreased significantly compared to the same period in 2023. Currently, instead of saving, many people tend to invest in channels such as: gold, real estate, stocks...".
Vietcombank Ha Tinh is listing the highest savings interest rate at 4.7% for terms of 12 - 60 months.
According to research, the joint stock commercial bank sector in Ha Tinh is also maintaining a fairly low deposit interest rate.
At HDBank Ha Tinh, currently, the highest deposit interest rate is 5.9%/year for an 18-month term, 5.2%/year for a 13-month term, 5%/year for a 12-month term, 4.6%/year for a 9-month term...
According to Mr. Nguyen Xuan Lich - Deputy Director of HDBank Ha Tinh: From January 4 to March 4, 2024, HDBank will implement the "Khai xuan dac loc - Tan tan phat tai" (New Year's lucky savings program). Accordingly, with only 10 million VND for a term of 1 month, customers will be given a lucky draw code and have the opportunity to win 1 special prize of 1 billion VND in cash, 1 first prize of 300 million VND, 3 second prizes (each prize of 100 million VND) and 5 third prizes (each prize of 30 million VND). Interest rates are low, so in general, although the amount of savings at the branch has increased compared to the end of 2023, it has decreased sharply compared to the same period in 2023.
It is known that as of December 31, 2023, the total mobilized capital of HDBank Ha Tinh reached VND 5,221 billion and in 2024, the branch set a target of capital mobilization growth of over 10% compared to 2023.
HDBank Ha Tinh listed the highest capital mobilization interest rate at 5.9%/year with a term of 18 months.
At MB Bank Ha Tinh, from January 22, 2024, the deposit interest rate framework is 5.8%/year for a 24-month term, 5.1%/year for an 18-month term, 4.7%/year for a 12-month term, 3.8%/year for a 6-month term, 2.8%/year for a 3-month term...
ACB Ha Tinh listed the highest capital mobilization interest rate at 5%/year for deposits of 5 billion VND or more, 4.95%/year for deposits from 1 - 5 billion VND, 4.9%/year for deposits from 200 million VND to less than 1 billion VND... In addition, ACB is implementing the "An Phuc Loc" savings package exclusively for customers aged 50 and over with an interest rate of 2.6%/year for 1 month, 2.9%/year for 3 months, 3.9%/year for 6 months, 4.7%/year for 12 months and 18 months.
According to records, since the beginning of February 2024, up to 16 banks have reduced their deposit interest rates, some of which have reduced their interest rates for the second time since the beginning of the month. In general, the sharp decrease in deposit interest rates has caused the "attraction" of savings deposits in the first days of the new year to also decrease sharply compared to the same period. Through research, it is known that many customers currently choose to deposit short-term savings to continue to "wait and see" the situation. Meanwhile, many customers choose to withdraw their savings to invest in other channels when they see positive signals from the market when they reach the maturity date.
The highest listed capital mobilization interest rate in Ha Tinh is 5.9%/year with a deposit term of 18 months.
Ms. Nguyen Thi Thuy (Tran Phu Ward, Ha Tinh City) said: "Currently, the savings interest rate of the banking system has decreased sharply, so at the beginning of the new year, we only deposit a small amount of money for luck. My family decided to monitor the situation and invest in the real estate market when Ha Tinh City and the central areas of some neighboring districts such as Can Loc, Thach Ha... are organizing auctions with many land locations in beautiful locations, relatively reasonable prices".
Phuc School
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