Extended data:
The loan interest rate of rural credit cooperatives fluctuates on the loan benchmark, and the loan benchmark interest rate is:
1, and the loan interest rate within one year is 4.35%;
2. The loan interest rate for one to five years is 4.75%;
3. The interest rate for loans over five years is 4.90%.
The benchmark interest rate of central bank loans is the guiding interest rate of rural credit cooperatives, and 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.
Credit cooperative loan type: loan type implementation interest rate (monthly interest rate ‰)
I. Regular pledged loans
The pledge period of deposit certificates of credit cooperatives, national debt and other bank deposit certificates that have obtained the freezing notice is within six months (including six months) 4.65.
Half a year to one year (including one year) 5. 1
One to three years (including three years) 5.25
Three to five years (including five years) 5.4
More than five years 5.7
Loans from private enterprises and state-owned enterprises
Within six months (including six months) 6.975
Six months to one year (including one year) 7.65
One to three years (including three years) 7.875
Three to five years (including five years) 8. 1
More than five years 8.55
Credit cooperative loan wage mortgage
Within six months (including six months) 5.58-7.44
Half a year to one year (including one year) 6. 12-8. 16
One to three years (including three years) 6.3-8.4
Three to five years (including five years) 6.48-8.64
More than five years 6.84-9. 12
Fourth, small credit loans for farmers.
Credit village (town) within half a year (including half a year) 1 level 6.045
Middle school 6.5 1
Level 3 6.975
More than half a year and less than one year (including one year) level 1 6.63
Secondary education 7. 14
Level 3 7.65
Villages (towns) without credit within half a year (including six months) 8. 1375
More than half a year and less than one year (including one year) 8.925
Verb (abbreviation of verb) housing loan
5.85 pounds for five years
Fifteen years 6. 12
The annual repayment methods of rural credit cooperatives loans mainly include the following three types:
(1) According to the signed loan contract, the repayment method of interest and principal is agreed.
(2) If it is agreed to settle interest on an annual basis, the principal shall be repaid in one lump sum and the interest shall be paid for one year.
(3) Borrow interest on a quarterly basis and repay the principal in one lump sum when due; Borrow interest quarterly and repay the principal in installments.