This depends on what kind of loan product you are applying for. If it is just a credit line and a revolving credit line, it will not generate interest if it is not spent. But if it is another loan and the loan is successful, you will also calculate interest if you don't use it.

Rural commercial bank loan review process: 1. Submit an application. Submit a written application to the rural commercial bank, and submit relevant materials and certificates; 2 rural commercial banks to review. Rural commercial banks conduct loan qualification examination, and examine the purpose, term and amount of the applicant's loan; 3. After approval, rural commercial banks issue loans. The loan contract stipulates that the loan shall be issued on schedule, and if the loan is not issued on schedule as stipulated in the contract, the liquidated damages shall be paid; 4. Post-loan inspection. After the loan is issued, the lender shall conduct follow-up investigation and inspection on the borrower's execution of the loan contract and operation.