Of course. Harbin is the capital of Heilongjiang Province, a sub-provincial city, a megacity and one of the central cities in Northeast China. It is also the transportation, politics, economy, culture and financial center of Northeast China. It is also a megacity with the largest land jurisdiction area and the third registered population in China Province. Its rural commercial banks can make provident fund loans. Rural commercial banks are joint-stock local financial institutions composed of farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations.

What is the interest rate of rural commercial banks' provident fund loans?

1. The loan term is within one year (inclusive) and the annual interest rate is 4.35%; 2. The loan term is from one year to five years (inclusive), and the annual interest rate is 4.75%; 3. If the loan term is more than five years, the annual interest rate is 4.9%.

Rural commercial banks (formerly rural credit cooperatives) are an important part of China's financial system and the main cooperative financial organization form at present. China Rural Commercial Bank is an independent enterprise legal person, responsible for the debts of rural credit cooperatives with all its assets, enjoying civil rights and bearing civil liabilities according to law. Efforts to promote the transformation of rural credit cooperatives into modern enterprises and give full play to the role of rural credit cooperatives as the main force in supporting agriculture are important arrangements made by the China Financial Work Conference, and are also the top priority for deepening the reform of local financial institutions.

What conditions do rural commercial banks need for loans?

The loan conditions of rural commercial banks are:

1. The lender is a natural person with full civil capacity between 18 and 60 years old.

2. The income is stable and there is a bank flow that lasts for more than 6 months.

3. Personal credit information is good and there is no overdue record.

4. Provide a contract to prove the purpose of the loan.

5. Have a certain amount of capital flow and be prepared for the down payment.

6. Provide effective protection.

What are the loan conditions of rural commercial banks?

1, with the ability to repay the principal and interest on schedule. The original loan interest payable and the loan due have been basically paid off; If there is no repayment, a repayment plan approved by the lender has been made.

2. 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.

3, rural credit cooperatives have opened a basic account or general deposit account, and keep a certain amount of deposits in the account; Voluntary acceptance of the supervision and inspection of credit and settlement by lending institutions can ensure that business plans and related business and financial statements are submitted to lending institutions on a regular basis.

4 to apply for a guarantee or mortgage loan, there must be a loan guarantor, loan collateral or pledge 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 (such as houses and land), and it should be commercialized and easy to realize.

5. The asset-liability ratio of the lender of rural credit cooperatives shall not be higher than 70%.

6. To apply for loans for fixed assets, real estate and other projects, the owner's equity and the proportion of self-raised funds of the lender must comply with the provisions of the State Council, and complete, standardized and effective documents and materials shall be submitted according to the requirements of project management.

7. 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.

8. Lenders of rural credit cooperatives 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.

Second, the repayment method of the loan.

1. Equal repayment of principal and interest: that is, the sum of loan principal and interest is repaid by equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

2. average capital Repayment Method: A repayment method in which the borrower repays the loan in every installment (month) and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

3. Pay interest and repay the principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [loans with a term of less than one year (including one year)], and the loan bears interest on a daily basis, and the interest is repaid on a monthly basis;

4. Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, which is generally an integer multiple of 1 1,000 or 1 1,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

5. Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.

6. Borrow and pay back: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.

Is the rural commercial bank provident fund loan good?

Rural commercial bank provident fund loans are good loans, as long as you have complete procedures and stable income, you can borrow.

Can rural commercial banks accumulate credit loans?

Of course. Rural commercial banks, referred to as rural commercial banks for short, are joint-stock local financial institutions composed of farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations within their jurisdiction. In response to the call of national policies, rural commercial banks can also accumulate credit loans, and they can apply for loans from rural commercial banks as long as they meet the conditions. Loan means that banks, credit cooperatives and other institutions issue loans to units or individuals who use money, and agree on interest and repayment date.

This is the amount of rural commercial bank provident fund loans and rural commercial bank provident fund loans launched at the end of the year. I wonder if you have found the information you need?