The interest rates of various commercial loans are 5.60% within 6 months (inclusive), 6.00% from 6 months to 1 year (inclusive), 6. 1 5% from 3 to 5 years (inclusive), 6.40% from 5 years and above. The interest rate of individual housing provident fund loans for less than five years (including five years) is 4.00%, and the interest rate for more than five years is 4.50%. According to the interest rate published by a rural credit cooperative in official website, the interest rate for a loan of 10,000 yuan is 560 yuan within six months, 600 yuan within six months to one year, 6 15 yuan for one to three years, 640 yuan for three to five years, and 655 yuan for more than five years. Provident fund loans interest 400 yuan for less than five years, and 450 yuan for more than five years. It has the ability to repay the principal and interest on schedule, and the original loan interest payable and the loan due have been basically paid off. Except for natural persons and enterprise legal persons who do not need to be approved and registered by the industrial and commercial department, they shall go through the annual inspection procedures at the industrial and commercial department. The user has opened a basic account or general deposit account with the lending institution, and kept a certain amount of payment deposit in the account. To apply for a secured mortgage loan, there must be a loan guarantor or collateral that meets the requirements. The loan guarantor must be an enterprise or economic entity that opens a deposit account in a rural credit cooperative with good economic benefits and reliable credit. The loan collateral must comply with the provisions of the Guarantee Law of People's Republic of China (PRC) and relevant laws and regulations. In principle, it should be mainly real estate, with the characteristics of commercialization and easy realization. The asset-liability ratio of rural borrowers shall not be higher than 70%. To apply for loans for fixed assets, real estate and other projects, the borrower's owner's equity and the proportion of self-raised funds must meet the requirements of the State Council, and complete, standardized and effective documents must be submitted in accordance with the requirements of project management. Unless otherwise stipulated by the State Council, the accumulated overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their net assets. Rural borrowers must apply for loan cards in accordance with the provisions of the People's Bank of China, and go through the annual inspection procedures in accordance with the provisions.