The loan interest rate of rural credit cooperatives is based on the benchmark interest rate of central bank loans and adjusted according to the specific conditions of lenders. The lower limit is 0.9 times of the benchmark interest rate and the upper limit is 2.3 times of the benchmark interest rate. Details are as follows: 1. The commercial loan interest rate of rural credit cooperatives: 5.60% for less than 6 months (including 6 months), 6.00% for 6 months to 1 year (including 1 year), and 6.65438+ for 1 year (including 3 years). 2. Interest rate of provident fund loans of rural credit cooperatives: 4.00% within 5 years (including 5 years) and 4.50% over 5 years. Next, Bian Xiao will briefly introduce the application conditions for applying for loans from rural credit cooperatives. Information needed to apply for a loan from a rural credit cooperative 1. The applicant fills in the personal loan application form and fills in the real information; 2. Carry a valid ID card or household registration book; 3. Provide a description of family property and the income certificate issued by the unit or neighborhood committee where the applicant and his spouse work; 4. The valid identity certificate and photocopy of the property owner, and other relevant materials as required.