储蓄国债明日开售 3年期票面年利率1.63%

Group 1 - The Ministry of Finance announced the issuance of the third and fourth phases of electronic savings bonds from June 10 to June 19, 2025, with a reduction in coupon rates by 30 basis points compared to the previous issuance, marking the first rate cut of the year [1] - The third phase bond has a term of 3 years with a coupon rate of 1.63% and a maximum issuance amount of 25 billion yuan, while the fourth phase bond has a term of 5 years with a coupon rate of 1.7% and the same maximum issuance amount [1] - Analysts expect that, given the continued loose monetary policy and declining interest rates, there may be further reductions in savings bond rates in the future [1] Group 2 - The third and fourth phases of the bonds will be available for purchase starting June 10 at 8:30 AM, and they can be bought through mobile banking, online banking, and bank counters [2] - The bonds will pay interest annually and return the principal along with the last year's interest at maturity, with the option for early redemption after the issuance period based on actual holding days and corresponding interest rates [2]