2026年还未开篇，存款市场就有了新变化。 不少人觉得存定期稳当，闭眼选就行。 但银行内部人提醒，明年起存定期要格外谨慎。 尤其要记住"3不存"原则，不然利息可能直接减半，甚至踩坑担风险。 这类产品大多是"伪定期"，本质是捆绑了保险、理财的混合型产品。 想提前支取不仅没定期利息，还要扣高额违约金，甚至被锁死十几年。判断也简单，直接要求办"纯定期"，签合同前问清"是否受存款保险保障"，纯定期都 在保障范围内。 有些地方小银行为了冲规模，会通过互联网推高息异地存款。 利率虽比本地高0.5%以上，但监管对异地揽储管控越来越严，这类产品大多不合规。 以前大家都觉得，存期越长利息越高。 但现在这个老规矩彻底失效了。 多家国有大行出现利率倒挂，5年期定存利率反而比3年期低0.2%-0.3%。 硬存5年不仅收益低，还会锁死资金流动性。万一急用钱提前支取，利息只能按活期算，10万块存1年提前取，利息可能从几千块缩水到一百多，损失近 99%。 去银行存定期，很容易被推荐"高息专属产品"。 柜员只提高利率，却绝口不提附加条件。 记住"3不存"原则，避开隐形套路，再结合实用技巧规划。 才能让闲钱在安全的前提下，实现收益最大化，别让 ...

Core Insights - The current dilemma for many individuals is whether to save money in banks or invest in real estate, given the low interest rates and fluctuating property prices [1] Real Estate Market Trends - Overall, property prices have undergone significant adjustments, with a decline of approximately 30% from peak levels across both first-tier and second-tier cities [2] - Recent favorable policies include the relaxation of purchase restrictions, a reduction in mortgage rates to below 3.5%, and a decrease in down payment ratios to 15% [2] - Despite these policies, factors such as supply-demand dynamics, an aging population, and slowing income growth suggest that the adjustment in property prices is not yet over [2] Bank Deposit Interest Rates - Bank deposit interest rates have been declining, with the one-year deposit rate dropping from 2.25% in 2023 to 1.35% currently, resulting in a decrease of approximately 900 yuan in interest for a 100,000 yuan deposit over one year [4] - There is a likelihood of further declines in deposit rates over the next two years, which could erode both interest income and the purchasing power of principal [4] Investment Considerations - Not everyone is suited for buying property; the current price-to-income ratio in second-tier cities is around 20-25, and in first-tier cities, it exceeds 40, indicating that property prices are significantly above the affordability of average residents [5] - The risk of asset depreciation is high if property prices continue to decline, making it crucial for potential buyers to assess their risk versus reward [5] Recommendations for Savings vs. Buying - For most individuals, saving money in banks, despite low interest rates, is safer as it protects principal and avoids significant short-term losses [7] - It is advisable to wait for the real estate market to stabilize before making purchases, potentially leading to lower costs and reduced risks [7] Targeted Buyer Profiles - Two categories of buyers may still consider purchasing: - First, families with urgent needs such as marriage, relocation, or children's education, who can benefit from favorable policies [8] - Second, families looking to improve their living conditions or upgrade to larger homes, as current low bank rates and reduced upfront costs make buying more manageable [8] Conclusion - In summary, for those without urgent housing needs, saving money is a more prudent choice over the next two years, while those with pressing requirements or looking to improve their living conditions may still find value in purchasing property under current favorable conditions [10]