The annual interest rate of rural credit bank loans is 4.75%. The interest rates of commercial loans of rural credit cooperatives are: annualized interest rate of 5.6% for six months or less, annualized interest rate of 6% for six months to one year, and annualized interest rate of 6. 15 for one year to three years.
What is the monthly interest rate of 65,438+10,000 personal credit loans for rural businesses?
The interest of 65,438,000+loans of rural commercial banks is as follows:
The loan interest rate of rural commercial banks within one year is 4.35%. According to the calculation formula, interest = loan principal, loan interest rate and loan term, the annual interest of Liangxun loan is 65,438+0,000,004.35% 65,438+0 = 4, 350 yuan.
Attachment: The loan interest rate of rural commercial banks is subject to the benchmark interest rate stipulated by the central bank, but the loan interest rates of different banks and different regions may fluctuate to some extent. For details, the lender can inquire at the business outlets of the nearby rural commercial banks, and the interest on the virtual loan of RMB 654.38 million from the rural commercial banks is as follows:
The loan interest rate of rural commercial banks within one year is 4.35%. According to the calculation formula, interest = loan principal, loan interest rate and loan term, the annual interest of 6,543.8+10,000 yuan loan is calculated as:1000004.35%1= 4,350 yuan.
Attachment: The loan interest rate of rural commercial banks is subject to the benchmark interest rate stipulated by the central bank, but the loan interest rates of different banks and different regions may fluctuate to some extent. For details, the lender can inquire at the nearby rural commercial bank outlets.
How much is the interest on loans from rural commercial banks?
The loan interest rate of rural commercial banks is generally between 0.5- 1.5. Article 20 of the Regulations on the Administration of RMB Interest Rate: Short-term loans (with a term of less than one year, including one year) shall bear interest according to the legal loan interest rate of the corresponding grade on the signing date of the loan contract. During the loan contract period, in case of interest rate adjustment, interest will not be calculated by installments. Short-term loans are settled quarterly, and the 20th day of the last month of each quarter is the settlement date; If the interest is settled on a monthly basis, the 20th of each month is the interest settlement date. The specific interest settlement method shall be determined by the borrower and the lender through consultation. Interest that cannot be paid on schedule during the loan period shall be cleared quarterly or compounded monthly at the loan contract interest rate, and compounded at the default interest rate after loans overdue. When the last loan is paid off, the profit will be paid off with the principal. Twenty-first medium and long-term loans (with a term of more than one year) have a fixed interest rate of one year. The loan (including all the funds that should be allocated by installments within one year from the effective date of the loan contract) bears interest according to the legal loan interest rate of the corresponding grade on the effective date of the loan contract, and the interest rate for the next year is determined according to the legal loan interest rate of the corresponding grade at that time after each full year (subject to the payment date of the first installment loan). Medium and long-term loans are settled quarterly, and the 20th of each quarter is the settlement date. The interest that cannot be paid on schedule during the loan period shall be compounded quarterly according to the contract interest rate, and after loans overdue, it shall be compounded at the default interest rate.
So much for the introduction of loan interest of rural commercial banks.