1, short term: 5.60; Six months to one year, 6.00 yuan.

2. Medium and long-term loans: 6.15; 6.40 yuan for three to five years and 6.55 yuan for more than five years.

3. The mortgage loan must be a house within 20 years; Housing construction area should exceed 50 square meters; The house should have good liquidity.

What loans do you need to apply for in rural construction?

1. requires the approval of the local government. This is a land suitable for local development.

2, apply for rural housing loans, must provide relevant approval materials.

3. The lender has good credit standing and certain repayment ability.

4. The borrower who applies for building a house must have units and individuals who can repay debts, or can provide other property.

Application procedures for rural homestead construction

1, rural villagers should first report to the collective economic organizations or urban management departments;

2, by the village collective economic organizations posted in a prominent position (15 working days);

3, by the Bureau of land and resources, the town social security bureau to the scene of the applicant's qualification, the suitability of the proposed land for a preliminary review;

4. After the expiration of the publicity period, users who meet the requirements of "one household, one base" shall be audited and reported to the county people's government for approval (if agricultural land is involved, it shall be reported to the municipal government in accordance with relevant procedures).

5. After the homestead is approved, the Land Bureau and the Town Social Security Bureau will go to the site for approval and issue "one book and two certificates", planning permit and construction permit.

6. After the villagers' houses are completed, the Land Institute will check whether the land is carried out in accordance with the approved area and requirements and distribute it to eligible building households.

Basic requirements of rural housing mortgage loan

The requirement of rural housing mortgage loan is that the borrower's housing must be approved by the local rural construction department and adapt to the local development plan. Secondly, you need to submit relevant approval documents or relevant certificates.

The requirements for candidates are: a certain proportion of self-owned funds, good credit standing and the ability to repay on time. It can be guaranteed with sufficient repayment ability, or it can be guaranteed by an individual or unit with effective asset mortgage.

After meeting the above requirements, the borrower can open a personal account in the loan association (department) and voluntarily accept credit supervision and settlement supervision.