The loan interest rate of 20 19 in Nanchang, Jiangxi Province is based on the benchmark interest rate, which may be different for different banks. Please consult your local bank for details. The benchmark interest rate of 20 19 is: commercial loan: 4.9%; Provident fund loan: 3.25%.

Loan Interest Rate of Jiangxi Rural Credit Cooperatives in 2022

4.60%。 Official website, a rural credit cooperative, shows that the current interest rate for short-term loans with a term of one year or less is 4.60%, and the adjusted interest rate is 4.35%. The current interest rate over five years is 5. 15%, and the adjusted interest rate is 4.9%; For personal provident fund loans for five years or less, the current interest rate is 2.75%, the adjusted interest rate is 2.75%, the current interest rate for more than five years is 3.25%, and the adjusted interest rate is 3.25%.

How much is the loan interest of Jiangxi Rural Commercial Bank?

Jiangxi Rural Commercial Bank has two kinds of interest: current interest and fixed interest:

1. The annual interest rate of the current account is 0.30%, so if you deposit 10000 yuan a year, the interest is 100000.30% 1=30 yuan.

2. The fixed annual interest rate is three months 1.54%, six months 1.82%, one year 2. 10%, two years 2.52% and three years 3.30%, so it is assumed to deposit 10000 yuan. The interest earned is 10001.54% 3/12 = 38.5 yuan,10001.82% 6/12 = 9/kloc-0.

Extended data:

Jiangxi Rural Credit Cooperatives is a financial institution in Jiangxi Province, and it is the main financial force in Jiangxi to contact farmers and serve rural communities.

Business:

I. Personal deposit business

1. Current savings:

No specified deposit period, deposit and withdrawal at any time, starting from 1 yuan, suitable for personal life and temporarily unused deposits. At least 1 yuan is reserved for the withdrawal account balance.

2. Lump-sum time deposit:

Agreed deposit period, lump-sum deposit and withdrawal, and withdrawal of principal and interest at maturity; It is divided into six categories: three months, six months, one year, two years, three years and five years. 50 yuan began to exist; Suitable for storing long-term idle funds, large living savings and personal accumulated funds.

3. Lump-sum time deposit:

Monthly fixed deposit, accumulated into a whole, and the principal and interest are withdrawn at maturity; It is divided into three types: one year, three years and five years; 5 yuan began to exist; The deposit amount is determined by the depositor and is deposited once a month. If there is any omission, it will be filled in next month. If there is no supplement, it will be recovered at maturity.

Interest is calculated according to the actual deposit amount and the actual deposit period.

4. Deposits of principal and interest:

Agreed deposit period, one-time deposit of principal, monthly interest withdrawal, and payment of principal at maturity; It is divided into three types: one year, three years and five years: the initial deposit amount is 5000 yuan; You can withdraw it all in advance, but you can't withdraw it partially.

5, education savings:

It is a special time savings deposit, which is suitable for students in the fourth grade of primary school (including the fourth grade) to open an account; Preferential interest rates shall be implemented, and interest income tax on savings deposits shall be exempted; Educational savings depositors apply for student loans, and financial institutions give priority to solving them; Monthly time deposit once a month. If there is any omission in the middle, make it up next month. If it is not made up, it will be regarded as a breach of contract, and the part deposited after the breach of contract will be paid at current interest. Divided into one year, three years and six years; The minimum deposit amount is 50 yuan, and the maximum principal amount is 20,000 yuan.

6. Notice deposit:

When saving money, there is no agreed deposit period, and withdrawal needs to be notified in advance, and the withdrawal date and amount can be agreed; The minimum deposit amount is 50,000 yuan; The minimum withdrawal amount is 50,000 yuan; No matter how long the actual deposit period is, it can be divided into one-day notice deposit and seven-day notice deposit according to the length of advance notice of depositors. One-day notice deposit must be notified one day in advance to withdraw deposit, and seven-day notice deposit must be notified seven days in advance to withdraw deposit. Deposits withdrawn on the date and amount agreed in the notice shall bear interest according to the corresponding interest rate, withdrawal amount and actual deposit period announced on the date of withdrawal.

The second is personal loan business.

1, personal housing mortgage loan:

It is the borrower who applies for housing loan with the purchased house as collateral for the purpose of purchasing individual housing.

The loan object is a natural person who has reached the age of 18 and has full civil capacity; The maximum amount shall not exceed 80% of the purchase price, and the longest period shall not exceed 30 years. The interest rate is subject to the individual housing loan interest rate announced by the People's Bank of China.

2, individual housing provident fund portfolio loans:

Refers to the borrower to buy personal housing, with the purchased housing as collateral, apply for commercial housing loans and provident fund loans.

The loan object is a natural person who has reached the age of 18 and has full civil capacity; The maximum amount shall not exceed 80% of the purchase price; The interest rate with a term of no more than 30 years shall be subject to the individual housing loan interest rate announced by the People's Bank of China.

3, personal business housing loans:

Refers to the local residents to buy commercial, office, production and other business premises for the purpose of using the purchased houses as collateral to apply for short-term or medium-and long-term RMB loans.

The loan target is China citizens who have reached the age of 18 and have full capacity for civil conduct; The maximum amount shall not exceed 60% of the purchase price; The term shall not exceed 10 year at the longest, and the interest rate shall be subject to the loan interest rate published by the People's Bank of China.

4. Personal automobile consumption loan:

It is a RMB loan that the borrower applies for buying a car for personal use or business.

The loan object is a natural person who has reached the age of 18 and has full civil capacity; The maximum loan amount shall not exceed 80% of the purchase price of the vehicle; The term is generally 3 years, with a maximum of 5 years (including 5 years); The interest rate is subject to the statutory interest rate announced by the People's Bank of China.

5. Farmers:

Loans from growers, farmers and self-employed households (hereinafter referred to as farmers) who have local agricultural registered permanent residence and are mainly engaged in rural land cultivation or other production and business activities related to rural economic development. There are two kinds of small credit loans for farmers and small secured loans for farmers.

The purpose of the loan is: agricultural production costs in planting and breeding; Small agricultural machinery; Pre-natal, mid-natal and post-natal services around agricultural production; Agricultural products processing, transportation and other business activities; Buy daily necessities, buy houses, treat diseases and send children to school.

6. Student loans:

Provide commercial student loans to parents of students who are about to enter colleges and universities for further study, and pay tuition and miscellaneous fees, living expenses and other related expenses for their children during school.

This concludes the introduction of Jiangxi credit loan interest rate and Jiangxi loan interest rate 202 1 the latest interest rate table. I wonder if you found the information you need from it?