什么叫零存整取？

中文版

零存整取是银行为客户提供的一种定期储蓄方式。它的特点在于，客户可以约定一个固定的存期，比如三个月、半年或一年，然后在这个存期内，按固定金额或约定金额逐月存入，而在存期结束时，银行会一次性将本金和利息支付给客户。

零存整取适合那些希望定期储蓄，但每月存款金额可能有所变化的客户。比如，有些人每月的收入并不固定，但他们希望有一个稳定的储蓄计划。通过零存整取，他们可以根据自己的收入情况，在每月存入不同金额的同时，也能享受到定期储蓄带来的利息收益。

此外，零存整取还可以帮助客户养成良好的储蓄习惯。通过每月定期存款，客户可以逐渐积累起一笔不小的资金，这对于应对突发事件或实现长期财务目标都是非常有帮助的。

英文版

What Is Lump-Sum Withdrawal with Monthly Deposit?

Lump-sum withdrawal with monthly deposit is a type of fixed-term savings offered by banks. Its main feature is that customers can agree on a fixed deposit period, such as three months, six months, or one year. During this period, they deposit a fixed or agreed amount monthly. At the end of the deposit period, the bank pays the principal and interest to the customer in a lump sum.

Lump-sum withdrawal with monthly deposit is suitable for customers who want to save regularly but whose monthly deposit amounts may vary. For example, some people have inconsistent monthly income, but they still want a stable savings plan. With lump-sum withdrawal with monthly deposit, they can deposit different amounts each month based on their income while enjoying the interest income brought by regular savings.

Moreover, lump-sum withdrawal with monthly deposit can help customers develop good saving habits. By depositing regularly each month, customers can gradually accumulate a considerable amount of funds, which is very helpful for dealing with emergencies or achieving long-term financial goals.