(1) The loan interest rate is related to the loan purpose, loan nature, loan term, loan policy and different lending banks. The state sets the benchmark interest rate, and banks determine the differential loan interest rate according to various factors, that is, floating up or down on the basis of the benchmark interest rate. The current benchmark interest rate was adjusted and implemented on July 7, 20 1 1 year. Types and annual interest rates are as follows: ① Six-month (inclusive) short-term loan 6.10%; ② 6.56% from half a year to one year (inclusive); ③ One to three years (inclusive) 6.65%; ④ Three to five years (inclusive) 6.90%; ⑤ More than five years and 7.05%.
(2) The interest rate of rural microfinance is generally 65,438+00% higher than the benchmark interest rate, or even higher, depending on the situation.
Second, what is the rural interest rate?
The benchmark interest rate of micro-credit loans for farmers (mainly based on the loan period): within 6 months (including 6 months), 5.85%, 6.3 1 year (including 1 year), 1-3 years (including 3 years), 6.4% and 3-4%.
Third, what is the interest of 300,000 yuan in rural areas?
The interest of 300,000 yuan in rural areas is generally between 6%- 10%, and the specific interest depends on the loan amount, loan term and borrower's credit.
4. What is the interest rate of rural commercial banks and what are the basic conditions?
The latest benchmark interest rate for bank loans: the annual interest rate for loans from 0 to June (including June) is 4.35%, the annual interest rate for loans from 6- 1 year (including 1 year) is 4.35%, and the annual interest rate for loans from 1-3 years (including 3 years) is 4.75%. On this basis, will there be appropriate conditions for applying for personal loans? (1) The applicant must be a natural person with full capacity for civil conduct; B having permanent residence or valid residence status means that the borrower is required to have legal status; C, have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan; D. Some banks will require applicants to apply for a credit card of the bank, or to borrow money from a bank with a good credit record.