After all, houses and cars in rural areas cannot be mortgaged. As far as I know, credit cooperatives do not need to guarantee small loans. Just like your100,000 yuan, several people jointly guarantee, and the credit union can lend you money at ease, and one person only needs 30,000 yuan. I borrowed money on a per capita basis, and I guess it has changed now. The annual interest rate is 9.9%, which is about 65,438+065,438+0.2% in two to three years, which is 5% lower than the official interest rate.