1, 1, 3-year fixed savings deposits of the same grade shall bear interest on the account opening date.
The 2.6-year term will bear interest at the 5-year time deposit rate; In case of interest rate adjustment, interest will not be calculated by installments.
3. The customer deposits a fixed amount every month according to the agreement. If there is any leakage in the middle, it should be made up in the next month. If there is no substitute deposit, it shall be handled in accordance with the relevant provisions of lump-sum deposit and withdrawal time deposit.
4. If the customer fails to provide proof that his children receive non-compulsory education when it expires, they cannot enjoy preferential interest rate. Interest is calculated according to the interest rate of fixed savings deposits of the same grade in the same period on the account opening date, and income tax on interest of savings deposits is levied according to relevant regulations.
5. When the education savings are withdrawn in advance, they must be withdrawn in full. If you can provide proof that you are receiving non-compulsory education, interest will be calculated at the zero deposit and withdrawal rate, and interest tax will be exempted. If no proof is provided, interest will be calculated at the current interest rate and tax will be paid according to relevant regulations.
6. In case of overdue withdrawal, interest shall be calculated and paid according to the interest rate of current savings deposits on the withdrawal date, and income tax on interest of savings deposits shall be levied according to relevant regulations.
7. Interest is calculated on a case-by-case basis.
Education savings refers to the special savings that individuals open accounts in designated banks and deposit a certain amount of funds for educational purposes according to the relevant provisions of the state. It is a special savings for students to pay the education funds needed for non-compulsory education. Education savings are registered in real-name registration system. When opening an account, the depositor should hold his/her (student's) household registration book or ID card and go to the bank to open a deposit account in his/her own name. At maturity, the depositor needs to withdraw the principal and interest in one lump sum with the passbook and relevant certificates.
Operation guide
open an account
When opening an account, you must show the customer's (student's) residence booklet or resident identity card to the savings institution, and open a deposit account in the customer's own name. The financial institution shall register the name and number of the certificate according to the above documents provided by the customer. The account is opened for students above grade four (including grade four).
deposit
When opening an account, the customer must agree with the bank on a fixed deposit amount and deposit it in installments.
draw
Withdrawal due:
1. Proof: With the passbook, ID card and household registration book (household registration certificate) provided by the school and the identity certificate of students receiving non-compulsory education, the customer can withdraw the principal and interest in one lump sum. Interest is calculated according to the actual deposit period and the preferential interest rate of the corresponding grade, and interest income tax on education savings deposits is exempted. Each "certificate" only enjoys the interest tax concession once.
2. No proof: If the customer can't provide "proof", his education savings can't enjoy the interest tax preference. Interest is calculated according to the actual deposit period and the deposit interest rate of the same grade announced on the account opening date, and income tax on deposit interest is levied according to relevant regulations.
Non-withdrawal at maturity: interest will be calculated and paid according to the interest rate of current savings deposits on the withdrawal date for the part that exceeds the original deposit period, and income tax on interest of savings deposits will be levied according to relevant regulations.
Early withdrawal: Early withdrawal of education savings must be made in full.
1. It is proved that interest is settled according to the interest rate of the corresponding grade of ordinary lump-sum deposits announced on the deposit date, and interest income tax on savings deposits is exempted.
2. No certificate: interest is calculated and paid according to the current savings deposit interest rate on the actual deposit period and withdrawal date, and income tax on savings deposit interest is levied according to relevant regulations.