From July 20, 2020, the one-year loan market quotation rate released by the National Interbank Funding Center is 3.85%. According to the calculation of four times this interest rate, it is concluded that the upper limit of judicial protection of the current private lending interest rate is 15.4%.
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1. Is Zhongyuan Bank reliable?
Zhongyuan Bank is a regular bank. Zhongyuan Bank, whose full name is Zhongyuan Bank Co., Ltd., is a joint-stock commercial bank with its head office located in Zhengzhou City, Henan Province. Mainly engaged in deposits and loans, trade financing, remittance, liquidation, industrial and commercial loans, syndicated loans, import and export bills, China business consulting and financing, securities business and gold trading brokerage services and insurance agents.
Second, Zhongyuan Bank loan conditions
Personal loan conditions:
1. A citizen of China who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct;
2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule;
3. Have a good credit record and willingness to repay, and have no bad credit record;
4. Being able to provide legal, effective and reliable guarantee recognized by the bank;
5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations;
6. Open a personal settlement account with Zhongyuan Bank;
7. Other conditions stipulated by Zhongyuan Bank.
Three. Provisions on relevant requirements of Zhongyuan Bank Letter of Guarantee:
1. The depositor has the right to request the deposit insurance fund management institution to use the deposit insurance fund to repay the insured deposit in the following circumstances: the deposit insurance fund management institution acts as the takeover organization of the insurance institution; The deposit insurance fund management institution shall liquidate the cancelled insurance institution; The people's court ruled to accept the bankruptcy application of the insurance institution; Other circumstances approved by the State Council.
2. Insured deposits include RMB deposits and foreign currency deposits absorbed by insurance institutions. However, inter-bank deposits of financial institutions, deposits of senior managers of insurance institutions in this insurance institution and other uninsured deposits stipulated by the deposit insurance fund management institution are excluded.