Rural microfinance does not need mortgage at all. For customers who have business dealings with credit cooperatives, they can be mortgaged below 5w and must be mortgaged above 5w. The interest rate is higher than that of other commercial banks, which is allowed by the state.

Because most of the loans issued by credit cooperatives are small loans. The natural unit cost is relatively high, and the interest rate, like other commercial banks, is simply a loss.