It depends on what kind of guarantee is used. If it is a credit loan, the general annual interest rate is 7%. If you are a small and micro enterprise owner with low asset-liability ratio and good credit, the interest rate can be 5.5 per year.

If you use real estate as a mortgage, the loan interest rate is generally 6. If you are a good customer of our bank, the interest rate can be 5. The annual interest rate is 5%.

Second, rural commercial banks mortgage interest rates

Hello, please let me answer your question:

Well, you can call their bank's customer service number for details before you think about it.

Hello, are you satisfied with my answer? If you are satisfied, please adopt it. Thank you! You can also continue to consult me:-D.

3. Will the mortgage interest rate of rural commercial banks drop automatically?

Mortgage interest rate, a rural commercial bank, was set when signing a loan contract. During the loan period, the interest rate will not automatically rise or fall.

4. Is the mortgage interest rate of rural commercial banks fixed?

The loan interest rate of rural commercial banks is not fixed, but fluctuates on the benchmark interest rate announced by the People's Bank of China, and the specific floating amount needs to be determined according to the evaluation of rural commercial banks.

At present, the benchmark loan interest rate of the People's Bank of China is:

I. Interest rate of provident fund loans:

If the loan term is 1 and less than five years (inclusive), the annual interest rate is 2.75%;

2. If the loan term exceeds five years, the annual interest rate is 3.25%.

Second, the ordinary loan interest rate:

1, if the loan period is within one year (inclusive), the annual interest rate is 4.35%;

2. The loan term is one to five years (inclusive) and the annual interest rate is 4.75%;

3. If the loan term exceeds five years, the annual interest rate is 4.9%.