The loan interest rate of rural credit cooperatives is guided by the benchmark interest rate of the central bank, and credit cooperatives have the right to raise or lower the loan interest rate according to the lender's situation. Generally speaking, the lower limit of the loan interest rate of rural credit cooperatives is 0.9 times the benchmark interest rate, and the maximum floating coefficient is 2.3%. In other words, there is no specific amount of loan interest rate of rural credit cooperatives, and the loan amount is mainly determined according to the qualifications of lenders. Next, does Jin Toubian Xiao introduce the housing loan interest rate table of rural credit cooperatives?

Calculation method of loan interest rate: loan interest rate = loan principal loan time loan interest rate. Credit cooperative loan annual interest rate = loan principal loan time loan interest rate /360 credit cooperative loan monthly interest rate = loan principal loan time loan interest rate/12.

In 2020, the bank announced that the benchmark interest rate for loans from 0 to 6 months was 4.35%. The annual interest rate of the loan from June to June-1 is 4.35%; 1~5-year loan with annual interest rate of 4.75%; The loan interest rate for 5-30 years is 4.

Second, what is the interest rate of agricultural loans?

The loan interest of agricultural loans is not fixed. According to the individual's qualification and loan term, the average annual interest rate is around 4.5%, and the loan interest is generally low. You can choose one-year, three-year and five-year terms, and the interest rates are different in different terms, so the loan requires higher personal credit information. If the credit is not good, you can't use platform loans.

Three, rural credit cooperatives housing loan interest rates

Is it more than seven percent here in Fujian?

Four, rural credit cooperatives housing loan interest rates

Renminbi loans issued by individuals with their own or legally owned property. Used to make the housing ownership certificate issued by the housing and land management department of Liuzhi Special Zone, belonging to the borrower or the third party. The mortgagor has the right to dispose of it completely, which can circulate in the secondary real estate market and be easily realized. Loan target: Any natural person who is over 18 years old but under 60 years old and has full capacity for civil conduct can apply for personal mortgage loan from the credit union. At the same time, the applicant must also have a permanent residence in Liuzhi Special Zone or a stable occupational income; 3. Good credit and the ability to repay the loan principal and interest on schedule; 4, in line with the provisions of the "Guarantee Law", and the property recognized by the credit cooperatives as collateral; 5. The purpose of the loan is legal, compliant and regulated; 6, other conditions stipulated by the credit cooperatives. Loan term: the shortest term of personal property mortgage loan is half a year, and the longest is not more than three years. Generally speaking, the interest rate of personal real estate mortgage loan is subject to the loan interest rate of the same grade announced by the signing bank. The maximum range of interest rate fluctuation shall not exceed the prescribed limit. If the loan term is less than 6 months, it shall be determined according to the 6-month loan interest rate, and the prepayment shall be calculated according to the original interest rate and the actual loan days. In case the People's Bank of China adjusts the interest rate, the interest rate under this contract will still be implemented within the loan term. Loan amount: the mortgage rate of personal property mortgage loan shall not exceed 80%, and the specific ratio is as follows: 1. If the shops and commercial houses purchased within two years are used as collateral, the mortgage rate shall not exceed 80%; 2, to buy more than two years but less than five years of office buildings, commercial housing, commercial housing as collateral, the mortgage rate is not more than 70%; 3. For more than five years, the maximum is no more than 60%; 3. Owns more than 50% of industrial plants. Loan application: 1 Original and photocopy of valid identity documents (resident ID card, household registration book or other valid residence documents) of the loan applicant and his spouse when applying for personal property mortgage loan; 2. Proof of income of the applicant and his family; 3. Contracts, agreements or other supporting documents consistent with the purpose of the loan; 4. Proof of ownership of mortgaged property; If the real estate is mortgaged, provide the valid identity certificate and marriage certificate of the mortgagor; 6. If the mortgaged house is owned by * * * *, the written consent of the owner of the house shall be obtained, and valid identity documents and marriage certificates shall be provided; Information. Loan repayment: 1. The borrower can repay the principal and interest of the loan. Second, when the agency fails to pay off the debt at the expiration of the debt performance period, or the borrower or mortgagor has to dispose of the collateral in advance according to law to protect the interests of the agency, the agency may dispose of the collateral according to the relevant contract. 3. The proceeds from the disposal of collateral shall be treated in the following order: 1. Pay the expenses for disposing of collateral; 2. Withholding and disposing of the taxes payable by the collateral; 3. Repay the principal and interest of the loan owed by the borrower and default interest; 4. The remaining funds shall be returned to the mortgagor. Four, agencies through the disposal of collateral, the price is not enough to compensate the loan principal and interest, have the right to continue to recover repayment from the borrower. Other tips: After the mortgage is established, all the documents (originals) that can prove the ownership of the collateral and the insurance documents (originals) of the collateral will be managed by the social security agency in a unified way, and they will assume the responsibility of custody. During the period of real estate mortgage, the mortgagor shall not mortgage the mortgaged real estate again or dispose of the collateral by means of lease, transfer, sale or gift without the consent of the agency. The mortgagor shall be responsible for maintaining, keeping and ensuring the safety and integrity of the collateral, and shall accept the supervision and inspection of this institution at any time. During the mortgage period, if the collateral is damaged, the party at fault shall bear and be responsible for compensation. Supplementary interest guarantee multiple refers to the ratio of enterprise's profit before interest and tax to interest expenses, also known as earned interest multiple, which is used to measure the ability to repay loan interest. The calculation formula is: interest guarantee multiple = income before interest and tax ÷ The molecular "income before interest and tax" in the interest expense formula refers to the profit before deducting interest expenses and income tax in the income statement. The denominator "interest expense" in the formula refers to all the interest payable in this period, including not only the interest expense in financial expenses, but also the capitalized interest included in the cost of fixed assets. Capitalized interest is not deducted from the income statement, but it is still repayable. The focus of interest guarantee multiple is to measure the ability of enterprises to pay interest. If there is not enough pre-tax profit, it is difficult to pay interest. The multiple of interest guarantee not only reflects the profitability of the enterprise, but also reflects the degree of guarantee of profitability to repay due debts. It is not only the premise of debt management, but also an important symbol to measure the long-term solvency of enterprises. To maintain normal solvency, the interest guarantee multiple should be at least greater than 1. The higher the ratio, the stronger the long-term solvency of the enterprise. If the interest guarantee multiple is too low, the enterprise will face the risk of loss, and the security and stability of debt repayment will decline. According to the data in Table 3-3, assuming that the financial expenses in the table are all interest expenses and the capitalized interest is 0, the interest guarantee multiple of XYZ Company is: interest guarantee multiple of last year = (1175480) ÷ 480 = 3.45 interest guarantee multiple of this year = (100550) \ Although XYZ company's capital preservation multiple in these two years is not too high? However, it is greater than 1, indicating that it has certain solvency, but it needs to be compared with the average level of other enterprises, especially industries, for analysis and evaluation. From a sound point of view, it is necessary to compare this indicator of this enterprise for several consecutive years for analysis and evaluation.