Hello, I'm a farmer. I'm getting a loan from a rural credit cooperative. Our local loan officer said that the loan is ok, but I have to pay a 200 yuan benefit fee for every 10,000 yuan. Is it legal?
At present, the maximum loan amount of rural credit cooperatives to farmers is 20 thousand yuan, which belongs to credit loans and does not need any mortgage. However, the premise is that the borrower has a good reputation. If you have a good reputation and no bad record, you can get a loan. As for the 200 yuan benefits you mentioned, it is definitely illegal. You can complain to the credit department of the head office.