Do you mean to pay the other party interest or the bank pays you interest? Put the card first to make sure that the bank will pay you interest, and then pay the loan interest. Because there are many kinds of loans, you have to look at the contract, and it belongs to the kind that you pay interest after using it (usually by the day), so it won't happen. If it's not this kind of loan, interest will definitely be paid.
Loan amount and actual loan amount
First of all, when you apply for a loan, you always have to pay the monthly interest rate. Your loan amount has nothing to do with your actual loan amount and loan account balance. For example, if you apply for a loan of 50,000 yuan, even if you don't use a penny, you still have to deduct your loan interest on 2 1 day every month. If you borrowed 50,000 yuan and only used 30,000 yuan, you can return 20,000 yuan at the counter. In this case, your loan balance will be 30,000 yuan. Only deduct your interest of 30 thousand. Another simple example: someone borrowed 10000 from you, but he only used 1000, but didn't pay you back 9000. Is the interest calculated according to 10000 or 1000? Only when someone pays you back 9000 will you calculate the interest according to 1000?
About loans from rural credit cooperatives?
Micro-credit loans for farmers refer to loans that rural credit cooperatives provide to farmers without mortgage or guarantee within the approved quota and period based on the reputation of farmers. At present, the loan amount generally does not exceed 50,000 yuan. This business has been widely welcomed by farmers since it was fully promoted in the whole country in 2002.
To apply for micro-credit loans, farmers should first apply for loan certificates from local rural credit cooperatives. After receiving the application, the rural credit cooperatives shall evaluate the applicant's credit rating, and according to the evaluated credit rating, verify the credit loan amount of the corresponding level and issue loan vouchers. When farmers need micro-credit loans, they can apply directly to rural credit cooperatives with loan vouchers and valid identity documents. When receiving the loan application, the rural credit cooperatives shall review the purpose and amount of the loan and issue the loan after passing the examination.
It should be noted that according to the current regulations, only loans for agricultural production costs such as planting and aquaculture are provided; Agricultural machinery loan; Only by focusing on agricultural pre-production, mid-production and post-production service loans and consumer loans such as purchasing daily necessities, building houses, treating diseases and sending children to school can farmers use micro-credit loans.