1. The loan interest rate of rural credit cooperatives will fluctuate on the loan benchmark. The benchmark loan interest rate is: the one-year loan interest rate is 4.35%; The loan interest rate for 1-5 years is 4.75%; The loan interest rate for more than 5 years is 4.90%. The benchmark interest rate of central bank loans is the guiding interest rate of rural credit cooperatives. Credit cooperatives have the right to raise or lower the loan interest rate according to the borrower's situation. The lower limit of the loan interest rate of rural credit cooperatives is 0.9 times of the benchmark interest rate, and the maximum floating coefficient is 2.3 times of the benchmark interest rate.
2. Open a basic account or general deposit account in the rural loan cooperative organization, and keep a certain amount of payment deposit; The housing loan interest rate of rural credit cooperatives: 6. 15% for more than 5 years, 6% for less than 5 years, and 5.6% for less than 1 year. The main reasons are short service life and different interest rates. Generally speaking, it will rise by 30%-70% on the basis of the benchmark interest rate. The annual salary 10000 is between 900- 1 100. See how much money the credit union has raised for you. The annual interest is about 3000 yuan. Willing to accept the supervision and inspection of the loan Committee on credit and settlement, and guarantee to submit the business plan and related business and financial statements to the loan Committee on a regular basis.
3. The applicant applying for guarantee or mortgage loan must have qualified loan guarantor, loan collateral or pledge. 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 credibility. The overseas equity investment of a limited liability company or a joint stock limited company shall not exceed 50% of its total net assets, unless otherwise stipulated by the State Council. Rural borrowers 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. The interest rate of short-term loans (within 6 months, including 6 months) of China Agricultural Bank is 4.35%; /kloc-the loan interest rate for 0/~ 5 years (including 5 years) is 4.75%, and the loan interest rate for more than 5 years is 4.9%. The loan interest rate of individual housing provident fund for five years and below is 2.75%, and the loan interest rate for five years and above is 3.25%.
Loan requirements of rural credit cooperatives: the applicant has legal status, the farmers are farmers in the credit cooperatives' jurisdiction, the applicant has full capacity for civil conduct, the applicant or family members have labor production or business ability, the applicant has stable economic income, the applicant has good credit and the ability to repay the loan principal and interest. Other conditions stipulated by rural credit cooperatives.