There is no handling fee for the transaction of Shuxin card at the counter of this city or atm of credit cooperatives. Using Shuxin card to handle business at the counter of cross-city rural credit cooperatives in the province, the lowest deposit fee in different places is 1 yuan, the highest is only 20 yuan, and the lowest withdrawal fee is 1 yuan, and the highest is only 30 yuan. The standards vary from province to province, with deposit fees ranging from 0.3% to 0.5% and withdrawal fees as low as 0.3% to 0.8%. At present, Shuxin Card has opened the universal deposit and withdrawal service with Tianfu Card of Chengdu Rural Credit Cooperative. Shuxin Card can handle withdrawal, deposit and transfer at the counter of Chengdu Credit Cooperative, and the handling fee is low. The handling fee for deposit or transfer is 0.2% of the transaction amount, with the highest 20 yuan, and the handling fee for cash withdrawal is 0.3% of the transaction amount, with the highest 30 yuan.
Second, can the small-scale agricultural loans of Sichuan Rural Credit Cooperatives be repaid on demand?
You can use it and return it.
Extended data 1:
Repayment Steps of Small-scale Agricultural Loans by Mobile Phone in Sichuan Rural Credit Cooperatives:
1. Open the local rural credit cooperative APP on your mobile phone.
2. Click on the top right corner of the page, and then click Login.
3. After logging in, click the loan indicated by the arrow.
4. Complete the loan according to the steps indicated on the mobile phone page.
Intelligent small-scale agricultural loan system improves service efficiency, and the whole process is electronic and paperless, supplemented by automatic approval mode. From the acceptance of mobile incoming call application to customer self-service payment, it can be completed in 5 minutes at the earliest.
The coverage of farmers is also expanding. Intelligent small-scale agricultural loans are characterized by "one-time approval, loan with use, balance control and recycling", and the procedures are relatively simple.
Extended data 2:
Provide micro-credit to farmers
Farmers' micro-credit loan is a micro-credit loan issued by the bank (agency) of Sichuan Rural Credit Cooperative within the approved quota and time limit, which is mainly used for farmers' family production and life.
Product introduction:
Farmers' micro-credit loan is a micro-credit loan issued by the bank (agency) of Sichuan Rural Credit Cooperative within the approved quota and time limit, which is mainly used for farmers' family production and life.
Applicable object:
Sichuan Rural Credit Cooperatives handle banks (cooperatives) to serve farmers within their jurisdiction, and they have full capacity for civil conduct, and they are over the age of 18 (inclusive). In principle, the borrower's actual age plus the loan period shall not exceed 60 years old, and there is no bad credit record.
Features and advantages:
1. No guarantee-the loan does not need guarantee.
2. Interest rate concessions-strictly implement the interest rate management regulations of the People's Bank of China, take the benchmark loan interest rate as the standard, regulate and control the fluctuation, and give appropriate concessions.
3. Flexibility and convenience-the loan is subject to "one-time approval, balance control, recycling and on-demand lending", and you can apply for a loan at any time within the validity period of the credit.
4. Flexible payment and repayment methods-The borrower can choose self-service channels such as counter, Sichuan Rural Credit Mobile Banking, online banking or ATM for self-service payment and self-repayment.
Application conditions:
1. Farmers apply for loans on a household basis and designate a family member as the borrower, who should be a citizen of People's Republic of China (PRC) with full civil capacity;
2. The domicile, fixed residence or fixed business premises are in the service area of Sichuan Rural Credit Cooperative;
3. The purpose of the loan is clear and legal;
4. The loan application amount, term and currency are reasonable;
5. The borrower has the willingness and ability to repay;
6. The borrower has no significant bad credit record;
7. Open a settlement account in the local bank (agency) of Sichuan Rural Credit Cooperative;
8. Other conditions stipulated by the handling bank (agency) of Sichuan Rural Credit Cooperative.
Provide information:
1. Valid identification (resident ID card, household registration book) and proof of marital status of the borrower and spouse;
2. Proof of assets of the borrower and spouse;
3. Other materials required by the handling bank (agency) of Sichuan Rural Credit Cooperative.
Loan amount:
Excellent credit users are up to 50,000 yuan, and excellent credit users in some areas are up to 65,438+10,000 yuan. Please consult the local handling bank (agency) Sichuan Rural Credit Cooperative when making a loan.
Loan term:
The longest loan period is 3 years.
Loan interest rate:
In accordance with the relevant provisions of the People's Bank of China and Sichuan Rural Credit Cooperatives.
Repayment method:
You can choose repayment of principal and interest by installments, repayment of principal and interest by installments, repayment of principal at maturity, etc. Loans with a term of more than one year shall not be repaid with principal in principle.
Operation guide:
1. Borrowing farmers submit a written loan application to the Sichuan Rural Credit Cooperative (agency) where the household registration is located;
2 loan investigation, review and approval. The account manager of Sichuan Rural Credit Cooperative Bank (Society) Branch conducts a pre-loan investigation and issues an investigation opinion; For those who meet the loan conditions and intend to issue loans, notify the applicant to submit relevant materials, and Sichuan Rural Credit Cooperative will examine and approve the loans according to your application materials.
3. Loan signing and issuance. If the loan is approved, the borrower and the handling bank (agency) of Sichuan Rural Credit Cooperatives will sign a small-credit loan contract for farmers on the spot, and the loan funds will be distributed on the spot and transferred to the borrower's settlement account, which will be used independently or entrusted by the borrower according to the agreed purpose. If a revolving loan contract is signed, the borrower can also apply for opening self-service channels such as mobile banking, online banking, WeChat banking and ATM of Sichuan Rural Credit Cooperative.
4. Loan repayment. After the loan is issued, the borrower shall repay the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract.
5. loan settlement. Loan settlement includes normal settlement and early settlement.
(1) Normal settlement: the loan will be settled on the maturity date.
(2) Early settlement: If part or all of the loan is settled before the loan maturity date, an application must be made in advance to the handling bank (outlet) of Sichuan Rural Credit Cooperative, or an advance repayment appointment or self-service repayment application can be submitted through self-service channels such as mobile banking, online banking, WeChat banking and ATM of Sichuan Rural Credit Cooperative.
Third, Sichuan rural credit cooperative Shuxin e loan has been repaid, can it be borrowed again?
You can't. You must borrow it and return it. Shuxin e loan repayment process: 1. Open and log in to Sichuan Rural Credit Cooperatives app2. Click "Shuxin E Loan"-"I want to repay"; 3. Enter the repayment page and select the IOU to be repaid this time; 4. Enter the amount to be repaid and click "Next"; 5. Repayment is completed. Users who successfully apply for Shuxin e-loan can recover the funds and pay them back with the loan.
Four, Sichuan rural credit loans can be repaid one year in advance.
one
Usually, banks have the right to apply for prepayment twice after the mortgage is over one year, and there is no penalty for prepayment. At the same time, the first repayment and the second repayment must be applied without arrears. Users are advised to repay the loan in advance to save interest.