National debt is a very low-risk investment and financing product, so it is favored by many stable investors. As a result, once there is a national debt issue, people will queue up to buy it. Many people want to buy it, but they don't know how to buy it. Let's talk about how to buy national debt and how much the interest is.
How to buy national debt
First of all, we need to understand the classification of treasury bonds. There are three types of treasury bonds, namely, certificate treasury bonds, electronic treasury bonds and bookkeeping treasury bonds. Now let's talk about the purchasing methods of these three types of treasury bonds.
1. Bookkeeping treasury bonds are bonds that can be traded on the market. Therefore, to buy and sell such bonds, you must open an account in the stock exchange.
2. Electronic treasury bonds can be purchased through online banking or over-the-counter, paying interest once a year, and returning the principal and the last interest after maturity. It's very convenient to purchase e-government bonds, which can be purchased directly through online banking.
3. Certificate type treasury bonds need to be bought at the bank counter. This kind of treasury bonds is to repay the principal and pay interest at one time after maturity. If we want to buy certificate type treasury bonds, we need to open a treasury bond account at the bank. The earlier we go to the bank counter, the better. Because this kind of treasury bonds usually appear in line to buy, and it takes a long time to go late.
The term of national debt is generally within 3-5 years. When you buy national debt, you must use the spare money that you can't use for a long time. If you want to recover the principal in advance during the period of national debt purchase, there will be interest loss.
Many people will ask why treasury bonds are so popular. That's because they are issued by the state and have the highest security. As long as the state still exists, there is no risk. Moreover, the threshold for Purchasing Treasury bonds is very low. You can buy them for 100 yuan, from centenarians to young adults.
The interest of national debt varies according to different years. The latest interest standard of national debt in 2019 is as follows:
The interest rate of three-year treasury bonds is 4%;
The interest rate of the five-year bond is 4.27%.
Compared with the three-year and five-year fixed deposits, the rate of return is generally about one point higher, which still has great advantages.