O que é uma conta poupança de 7% direta?
A conta poupança para poupadores diários. Os juros são calculados diariamente e creditados mensalmente. *Exemplo de juros do Saver Regular: £ 300 economizados todos os meses durante 12 meses a 7,00% AER/Bruto ao ano. taxa de juros, renderá aproximadamente £ 136,50 de juros (brutos).
A conta poupança para poupadores diários. Os juros são calculados diariamente e creditados mensalmente. *Exemplo de juros do Saver Regular: £ 300 economizados todos os meses durante 12 meses a 7,00% AER/Bruto ao ano. taxa de juros, renderá aproximadamente £ 136,50 de juros (brutos).
Não existem bancos tradicionais que oferecem uma conta poupança com juros de 7% nos EUA., mas você encontrará algumas cooperativas de crédito que oferecem contas correntes e certificados com taxas próximas ou superiores a 7,00% APY. É importante observar que as taxas da poupança são variáveis e podem mudar a qualquer momento.
| Fornecedor | Taxa (AER) |
|---|---|
| Banco Cooperativo | 7% variável por um ano |
| Skipton BS (deve ser membro desde antes de 11 de janeiro de 2024) | 7% fixados por um ano |
| Em todo o país | 6,5% variável por um ano |
| Lloyds Bank (precisa de uma conta Club Lloyds) | 6,25% fixados por um ano |
Significado AER: AER significa Taxa Equivalente Anual e é um tipo de taxa de juros para contas de poupança. Cálculo do AER: O AER é calculado com base nos juros, bônus e encargos da sua conta poupança durante um período de 12 meses.
Sete por cento de £ 3.600 são£ 252, mas o negócio First Direct não paga esse valor. Em vez disso, paga apenas um máximo de £ 136,50 por ano.
Nossa conta poupança permite que você economize de £ 1 até o infinito e oferece uma taxa de juros de2,00% AER (1,98% Bruto). estão disponíveis contas de poupança únicas e conjuntas.
| 0,46% APA | 5,30% APY | |
|---|---|---|
| Depois de 1 ano | US$ 46,00 | US$ 530,00 |
| Depois de 5 anos | US$ 232,13 | US$ 2.946,19 |
| Depois de 10 anos | US$ 469,64 | US$ 6.760,37 |
Como orientação geral, cada rendimento de 1% em uma conta poupança ou CD resultará em$ 500 em juros por anose você começar com $ 50.000. Portanto, se você investir US$ 50.000 em uma conta poupança de alto rendimento com um rendimento percentual anual (APY) de 4%, poderá esperar ganhar US$ 2.000 anualmente, assumindo que o APY permaneça o mesmo.
Exatamente um ano depois de você abrir sua conta poupança regularjuros serão adicionados ao saldo e o processo de vencimento terá início.
Quem é o dono do First Direct?
O First Direct é uma divisão do HSBC UK Bank plc, que é membro do Financial Ombudsman Service.
Apenas residentes no Reino Unido. Nossa oferta de troca de conta bancária de £ 175 terminou em 26 de janeiro de 2024. Se você solicitou a troca de sua conta bancária antes dessa data, ainda poderá obter nossa oferta,desde que você seja um novo cliente e deposite £ 1.000 dentro de 3 meses após a abertura da conta.
Qual banco dá juros de 7% em uma conta poupança? Não há bancos que ofereçam juros de 7% em uma conta poupança no momento. No entanto, duas instituições financeiras estão pagando pelo menos 7% APY em contas correntes:Conta corrente Landmark Credit Union Premium e verificação de alto rendimento OnPath Rewards.
No entanto, as contas de poupança que pagam jurosanualmente normalmente oferecem taxas de juros mais competitivas devido ao efeito da capitalização. Em termos simples, em vez de serem pagos mensalmente, os juros anuais podem acumular-se ao longo do ano, levando potencialmente a retornos mais elevados sobre o montante investido.
”Varredura de poupança: o First Direct também oferece um recurso de 'varredura' que transfere qualquer dinheiro sobrando de sua primeira conta para uma conta poupança com o mesmo provedor na data que você decidir. Complementos: você também pode obter uma variedade de complementos se pagar £ 15 por mês pelo First Directory, incluindo: Seguro de viagem mundial.
Pagamentos mensais de uma hipoteca de $ 300.000
A uma taxa de juros fixa de 7,00%, o pagamento mensal da hipoteca de uma hipoteca de 30 anos pode totalizar$ 1.996 por mês, enquanto um de 15 anos pode custar US$ 2.696 por mês.
A diferença entre uma taxa de hipoteca ligeiramente superior a 3% e uma taxa de hipoteca de 7%acrescenta aproximadamente um pagamento de hipoteca adicional de US$ 1.000 para uma nova casa unifamiliar típica, de preço médio, e coloca 18 milhões de famílias nos EUA fora do mercado de moradias.
| APY | Juros ganhos em um ano |
|---|---|
| 4,00% | US$ 800 |
| 4,50% | US$ 900 |
| 4,75% | US$ 950 |
| 5,00% | US$ 1.000 |
| Instituição | APY | Depósito de abertura obrigatório |
|---|---|---|
| Banco CFG | 5,25% | US$ 1.000 |
| Banco de Poupança Norte-Americano | 5,24% | US$ 25.000 |
| Atualizar | 5,21% | Qualquer valor |
| Popular Direto | 5,20% | US$ 100 |
- Cooperativa de crédito dos funcionários da Boeing: 6,17% APY. ...
- Cooperativa de Crédito Federal Digital: 6,17% APY. ...
- Cooperativa de Crédito Federal Andrews: 5,75% APY. ...
- Banco Milli: 5,50% APY. ...
- BrioDirect: 5,35% APY. ...
- Banco de Poupança da América do Norte: 5,35% APY. ...
- Meu Banking Direct: 5,35% APY.
O First Direct tem potes de poupança?
Além das novas taxas de poupança, os primeiros clientes diretos são capazes de:construir um pote de poupançae ganhe 3,50% AER/bruto ao ano economizando entre £ 25 e £ 300 por mês com a conta poupança regular do primeiro direto *.
Resumo: Um investimento de $ 10.000 hoje investido a 6% durante cinco anos a juros simples seráUS$ 13.000.
| Taxa mais alta em todo o país (APY) | Ganhos totais | |
|---|---|---|
| 6 meses | 5,76% | US$ 288 |
| 1 ano | 6,18% | US$ 618 |
| 18 meses | 5,80% | US$ 887 |
| 2 anos | 5,60% | US$ 1.151 |
Você ganhará $ 850,50 por um total de $ 15.850,50 após um ano ao abrir um CD de $ 15.000 de 1 ano com o Popular Direct ao calcular os retornos às taxas atuais. Um CD de 1 ano no LendingClub Bank ou CIBC Bank USA produzirá $ 847,50 ou $ 843,00 em retornos, respectivamente. Garanta retornos fortes com um CD de um ano hoje.
Como você verá, o valor futuro de US$ 50.000 em 5 anos pode variar deUS$ 55.204,04 a US$ 185.646,50. Esta é a fórmula FV mais comumente usada, que calcula os juros compostos sobre o novo saldo no final do período.
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