The loan interest rate is 4.35% within one year, 4.75% within five years and 4.9% over five years. If you borrow100000 yuan from a rural credit cooperative, you have to pay interest 106560 yuan a year.
The loan conditions of rural credit cooperatives:
1. The borrower should have the ability to repay the loan and the interest generated by the loan.
2. The borrower needs to go through the relevant formalities in the industrial and commercial department.
3. Maintain a certain margin for general deposit accounts.
4. The loan guarantor shall open an account in a credit cooperative and have a reliable credit or economic entity in Kazakhstan.
5. The borrower's debt ratio cannot be higher than 70%.
6. The foreign equity investment of a limited liability enterprise shall not exceed 50% of its net assets.
7. You must apply for a loan card according to the regulations of the People's Bank of China.
How much is the loan interest of rural credit cooperatives?
How to calculate the loan interest of rural credit cooperatives?
1. Look carefully, whether your contract is "paying interest with principal" or "paying interest quarterly". According to the present situation, interest is paid quarterly. The contract shall prevail. If the interest is settled quarterly. Your two months are 5000020.0096=960. . I shouldn't be interested in you. Cheated the interest, the loan officer died, lost his job, and did not have hundreds of thousands of benefits. You don't usually do this! If your contract is "interest is repaid with principal", you can ask the credit union to modify your repayment method according to the contract. .
How to calculate the loan interest of rural credit cooperatives
The loan interest of rural credit cooperatives varies according to the length of the loan. If the loan time unit is days, the expected annualized interest rate is months: loan interest = loan principal × loan time (days) × loan expected annualized interest rate/12; If the loan time unit is days, the expected annualized interest rate is: loan interest = loan principal × loan time (days) × loan expected annualized interest rate/. If the loan is 50,000 yuan and the loan is repaid in one year, what is the interest? After one-year repayment, the loan interest rate of rural credit cooperatives is 6.3 1%. A year is calculated as 365 days. According to the calculation formula, if the loan time unit is days, the expected annualized interest rate is: loan interest = loan principal × loan time (days )× expected annualized interest rate of loan /360 months, and the interest rate is 50000× 365× 6.31%/360 = 3198.82.
Loan interest rate of rural credit cooperatives
1. What is the general loan interest rate of credit cooperatives?
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%.
Second, the loan conditions
The borrower shall meet the following basic conditions when applying for a loan: the products are marketable, the production and operation are profitable, the credit funds have not been misappropriated, and the credit is strictly observed:
1, with the ability to repay the principal and interest on schedule. The original loan interest payable and the loan due have been basically paid off; If there is no repayment, a repayment plan approved by the lender has been made.
2. Except for natural persons and enterprise legal persons who do not need to be approved and registered by the industrial and commercial department, they shall go through the annual inspection procedures at the industrial and commercial department.
3, rural credit cooperatives have opened a basic account or general deposit account, and keep a certain amount of deposits in the account; Voluntary acceptance of the supervision and inspection of credit and settlement by lending institutions can ensure that business plans and related business and financial statements are submitted to lending institutions on a regular basis.
4 to apply for a guarantee or mortgage loan, there must be a loan guarantor, loan collateral or pledge that meets the requirements. 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 reliable credit. The loan collateral must comply with the provisions of the Civil Law (202 1 1 1) and relevant laws and regulations. In principle, it should be mainly real estate (such as houses and land), and it should be commercialized and easy to realize.
5. The asset-liability ratio of rural borrowers shall not be higher than 70%.
6. To apply for loans for fixed assets, real estate and other projects, the owner's equity and the proportion of self-raised funds of the borrower must meet the requirements of the State Council, and complete, standardized and effective documents and materials shall be submitted according to the requirements of project management.
7. Unless otherwise stipulated by the State Council, the accumulated overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their net assets.
8 rural borrowers must apply for a loan card according to the provisions of the People's Bank of China, and go through the annual inspection procedures according to the provisions.
How much is the loan interest of rural credit cooperatives?
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.
Extended data
The borrower shall meet the following basic conditions when applying for a loan: the products are marketable, the production and operation are profitable, the credit funds have not been misappropriated, and the credit is strictly observed:
1, with the ability to repay the principal and interest on schedule. The original loan interest payable and the loan due have been basically paid off; If there is no repayment, a repayment plan approved by the lender has been made.
2. Except for natural persons and enterprise legal persons who do not need to be approved and registered by the industrial and commercial department, they shall go through the annual inspection procedures at the industrial and commercial department.
3, rural credit cooperatives have opened a basic account or general deposit account, and keep a certain amount of deposits in the account; Voluntary acceptance of the supervision and inspection of credit and settlement by lending institutions can ensure that business plans and related business and financial statements are submitted to lending institutions on a regular basis.
4 to apply for a guarantee or mortgage loan, there must be a loan guarantor, loan collateral or pledge that meets the requirements. 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 reliable credit.
What is the loan interest rate of rural credit cooperatives?
The loan interest rate of rural credit cooperatives is based on the benchmark interest rate of central bank loans and adjusted according to the specific conditions of lenders. The lower limit is 0.9 times of the benchmark interest rate and the upper limit is 2.3 times of the benchmark interest rate. Details are as follows: 1. The commercial loan interest rate of rural credit cooperatives: 5.60% for less than 6 months (including 6 months), 6.00% for 6 months to 1 year (including 1 year), and 6.65438+ for 1 year (including 3 years). 2. Interest rate of provident fund loans of rural credit cooperatives: 4.00% within 5 years (including 5 years) and 4.50% over 5 years. Next, Bian Xiao will briefly introduce the application conditions for applying for loans from rural credit cooperatives. Information needed to apply for a loan from a rural credit cooperative 1. The applicant fills in the personal loan application form and fills in the information; 2. Carry a valid ID card or household registration book; 3. Provide a description of family property and the income certificate issued by the unit or neighborhood committee where the applicant and his spouse work; 4. The valid identity certificate and photocopy of the property owner, and other relevant materials as required.
So much for the introduction of rural credit loan interest.