Foshan Chengxin loan interest rate: the loan term is less than five years (including five years), and the interest rate is 2.75%; The loan term is more than 5 years and the interest rate is 3.25%.

Interest rate of housing loan in Foshan in May 2022

3.7%。 The mortgage interest rate in China is uniformly stipulated by the People's Bank of China. According to public data, the housing loan interest rate in Foshan in May 2022 was 3.7%. The loan will pay interest at the rate set by the bank.

Foshan 1 month mortgage interest rate

On October 20th, 20231,the central bank announced the loan market quotation (LPR) 1 in Foshan in June. Among them, the LPR of 1 year is 3.65%; The LPR over five years was 4.3%, which was the same as that in 65438+February last year. At present, the interest rate of the first suite in Foshan is 4. 1%, and the interest rate of the second suite is 4.9%. The interest rate has not changed for the time being and remains the lowest interest rate in history. The amount is sufficient, and the loan can be released in two days at the earliest. Among them, the interest rates of the first suites of the four major banks in Foshan, such as CCB and ICBC, have dropped to 4.3%. In addition, for high-quality customers, the lowest interest rate of the first suite in HSBC reaches 4. 1%. As for the second suite, the interest rate of the second suite of major banks is currently maintained at 5.2-5.4%.

20 15 Foshan commercial loan interest rate

Hello, the interest rate of 20 15 Foshan commercial loan is generally between 7.5% and 9.5%. The specific interest rate depends on the loan term, loan amount, lender's credit rating and other factors. The interest rate of commercial loans in Foshan is lower than that in other regions because the Foshan government has adopted a series of policies and measures to support the development of small and micro enterprises. In addition, Foshan's commercial loan interest rate is also affected by market competition. Some banks will offer lower interest rates to attract customers. In a word, the commercial loan interest rate in Foshan is generally between 7.5% and 9.5%, and the specific interest rate depends on the loan term, loan amount, lender's credit rating and other factors.

Shaanxi Credit Cooperatives Small Loan Conditions

First, credit cooperatives microfinance borrower conditions:

(a) farmers or self-employed households in the community have full capacity for civil conduct;

(2) Strong credit concept and good credit standing;

(three) engaged in land cultivation or other production and business activities in line with national industrial policies, and have reliable income;

(four) family members must have a labor force with labor production or management ability.

2. The maximum loan amount for farmers' guaranteed loans and guaranteed loans is 50,000 yuan, and the maximum loan amount for merchants' guaranteed or guaranteed loans is 6,543,800 yuan. The term is in months, with a minimum of 1 month and a maximum of 12 months. There are many repayment methods to choose from, such as one-time repayment of principal and interest, equal principal and interest, equal principal and interest in installments, etc.

Three, farmers' credit rating, loan amount determination steps:

(1) Farmers apply for loans from credit cooperatives;

(two) the credit personnel to investigate farmers' demand for production funds and family income, grasp the borrower's credit situation, and put forward preliminary opinions;

(three) the credit rating team shall determine the loan amount and issue the loan certificate according to the information provided by the credit personnel and representatives of local members or villagers' committees.

Four, the credit rating of farmers is divided into excellent, good, general and other credit ratings.

(a) the standard of "excellent" grade is:

1, within three years, borrow from the credit union and repay the principal and interest on time, with no bad records;

2, the family annual per capita net income of more than 2000 yuan;

3, its own funds accounted for more than 50% of the funds needed for production.

(two) the standard of "better" grade is:

1, which has a stable and reliable income source and basically does not owe loans;

2, the annual per capita net income of families 1000 yuan or more.

(3) The standard of "general" grade is: 1, and the family has basic labor force;

2. The annual per capita net income of the family is above 500 yuan.

All localities can determine the specific evaluation criteria and methods according to the actual situation. The amount of micro-credit loans for farmers is approved according to the credit rating of farmers, and the maximum amount is agreed by the central branch of the People's Bank of China and the county (city) credit cooperatives.

Extended data

loan origination

(a) farmers who have been rated as credit users apply for loans to credit cooperatives with their ID cards and "Farmers' Loan Certificate" and fill out the "Application for Farmers' Loan".

(two) the staff of the credit office carefully examined the valid documents such as the Application for Farmers' Loan, the Certificate of Farmers' Loan and the ID card, and verified them with the Economic Archives of Farmers.

(3) After the backstage staff of the credit cooperatives have verified that it is correct, they shall go through the loan procedures, sign the Credit Loan Contract for Farmers of Rural Credit Cooperatives with the borrower, and submit it to the accounting supervisor of the credit cooperatives for review before issuing loans.

(four) credit office staff at the same time to register the "farmers loan certificate" and "farmers' economic files".

(5) The borrower must sign the Application for Farmers' Loan, the Contract for Farmers' Credit Loan of Rural Credit Cooperatives and the IOUs, and affix their handprints.

Baidu encyclopedia-micro-credit loans for farmers

What are the loan conditions of Shaanxi Credit Cooperative?

Shaanxi Credit Cooperative Loan Conditions:

1. The borrower has reached the age of 18 and has full capacity for civil conduct.

2. The borrower has a stable job and economic income.

3. Personal credit information is good and there is no illegal act.

4. According to different loan types, the applicant can provide corresponding loan documents, such as materials required for mortgage such as house purchase contract.

5. The lender agrees to other conditions required by Shaanxi Credit Cooperative.

What are the personal loan conditions of Shaanxi Credit Cooperatives?

Shaanxi Credit Cooperatives provides customers with various loan businesses. The following are the loan conditions of Shaanxi Credit Cooperatives:

1, the applicant must be a natural person with full capacity for civil conduct;

2. The age is between 18-60 years old;

3. Personal credit is good and there is no bad credit record;

4, a stable source of income and the ability to repay the loan in full;

5. Have a good willingness to repay;

6. The debt ratio should meet the loan requirements, generally requiring the debt ratio to be lower than 60%;

7. Other loan conditions stipulated by Shaanxi Credit Cooperative.

Personal loan, also known as retail loan business, has become an important loan business after decades of development. Personal loans refer to local and foreign currency loans issued by banks or other financial institutions to natural persons who meet the loan conditions for personal consumption, production and operation. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.

Personal loans refer to local and foreign currency loans provided by lenders (general commercial banks) to consumers or families for personal consumption, production and operation. , and agreed to loan interest, agreed to repay the principal and interest on schedule, for the purchase of owner-occupied housing, consumption or small investment business. Personal loans provided by banks are different.

What are the types of personal loans?

1. Personal housing commercial loan

Personal housing commercial loan is a self-operated loan issued by bank credit funds, which refers to a commercial housing loan that a natural person with full capacity for civil conduct applies to the bank as a guarantee for repayment of the loan when buying a self-occupied house in a town of this city.

2. Personal housing provident fund loans

Personal housing provident fund loan is an entrusted loan issued by policy housing provident fund, which refers to the housing provident fund loan that employees who pay housing provident fund apply to the bank when they buy, build, renovate or overhaul their own houses in cities and towns of this city, with their own property houses as a guarantee to repay the loans.

3. Individual housing portfolio loans

Borrowers who meet the requirements of personal housing commercial loans can deposit housing provident fund at the same time, or apply to the bank for personal housing provident fund loans while handling personal housing commercial loans, that is, borrowers can apply to the bank for personal housing provident fund loans and personal housing commercial loans (this loan method is referred to as personal housing portfolio loans) with the urban self-occupied housing purchased in this city as collateral.

What are the loan conditions of Shaanxi Credit Cooperative?

Shaanxi Credit Cooperative Loan Conditions:

First, the forest right mortgage loan conditions:

1. The applicant is between 18-60 years old and has full capacity for civil conduct;

2, with my own or the third person's forest resources assets as collateral, and with the "forest right certificate" issued by the government at or above the county level, approved by the competent forestry department of this Municipality and the village credit cooperatives.

3. My repayment amount is sufficient, I am law-abiding and have no bad credit record;

4. The applicant's asset-liability ratio is less than 60%;

5. Enterprises, institutions or partnership entities must have certain funds and fixed business premises.

Second, personal consumption loan conditions:

1, with a fixed residence;

2. Have full capacity for civil conduct;

3. Have a stable source of income and the ability to repay on time;

4, good credit, and opened a deposit account in rural credit cooperatives.

Three, personal housing mortgage loan conditions:

1. When applying for a loan, the time and age of the loan shall not exceed 60 years (inclusive), and the age of the female shall not exceed 55 years (inclusive);

2, with more than 30% (inclusive) of its own housing funds;

3. Have a stable income and the ability to repay the loan principal and interest on time;

4. Have the original purchase contract, agreement or other valid documents.