Types of credit loans: rural joint guarantee, rural guarantee, merchant joint guarantee and merchant guarantee.
Maximum loan amount: 50,000 farmers and 6,543,800 merchants.
Loan term: 1- 12 months.
Loan interest rate: monthly interest rate 1, 3% 2.
There are three repayment methods.
1。 One-time principal and interest payment method
The loan is RMB 65,438+0,000, which will be paid off in one lump sum after three months. The principal payable is 1 000 yuan, and the interest payable is 396 = 1 0396 yuan.
2。 Equal principal and interest method
The loan is RMB 65,438+0,000, which will be paid off monthly within one year. The principal payable is 65,438+0,000 yuan, and the interest payable is 878.63 = 65,438+0,0878.63 yuan.
3。 Installment repayment method
The loan term is 65,438+0,000 yuan. Only the interest is repaid in the first three months of 65,438+0.2 months, and the principal and interest are repaid in the last nine months according to the equal principal and interest method.
The principal payable is 65,438+0,000 yuan, and the interest payable is 65,438+0067.53 = 65,438+065,438+0067.53 yuan.
You can also pay off the principal and interest in one lump sum after 12 months. Principal payable 1000, interest payable1584 =11584 yuan.
Business advantages are: no mortgage and pledge; Quick loan (the loan can be released within 3 days after approval); Interest rate concessions (only interest is paid every day for every ten thousand yuan loan; 4.4 yuan); And flexible guarantee.