Generally, the loans of rural credit cooperatives are below 6.5438 million micro-credit loans, and some counties with Jialeka loans are 200,000, with a maximum of 300,000. The maximum amount of mortgage loan can reach 70% of the appraised price and 90% of the maximum amount of loanable pledge. Each city and county has different loan interest rates and different credit lines. Please consult the outlets where you live.
Second, how much can rural credit cooperatives lend?
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3. What is the loan amount of rural credit cooperatives?
The loan amount of rural credit cooperatives will be different according to local loan policies and loan methods, but the loan amount of rural credit cooperatives is not very high. Loans of rural credit cooperatives are divided into credit loans, secured loans, mortgage loans and pledged loans according to the loan issuance methods. The amount of credit loans is relatively small, generally not exceeding 30,000 yuan. If it is a mortgage loan, the amount will be higher, but the maximum will not exceed 65.438 billion yuan. The loan policy of rural credit cooperatives is the credit service of rural credit cooperatives. Basic information 1. The ability to repay the principal and interest on schedule. The original loan interest payable and the loan due have been basically paid off; If there is no repayment, a repayment plan approved by the lender has been formulated; 2. Except for natural persons and enterprise legal persons who do not need the approval and registration of the industrial and commercial department, the industrial and commercial department shall handle the annual inspection procedures; 3, rural credit cooperatives have opened a basic account or general deposit account, and keep a certain amount of deposits in the account; Voluntary acceptance of credit and settlement supervision and inspection by lending institutions can ensure regular submission of business plans, related businesses and financial statements to lending institutions; 4. To apply for guarantee or mortgage loan, there must be a loan guarantor, loan collateral or pledge that meets the requirements. The loan guarantor must be an enterprise or economic entity that opens a deposit account in a rural credit cooperative and has good economic benefits and credit reliability. The loan collateral must comply with the provisions of the Guarantee Law of People's Republic of China (PRC) and relevant laws and regulations. In principle, it should be mainly real estate (such as houses and land), and it must be commercialized and easy to realize. 5. The asset-liability ratio of rural borrowers shall not be higher than 70%. 6. To apply for loans for fixed assets, real estate and other projects, the owner's equity and the proportion of self-raised funds of the borrower must meet the requirements of the State Council, and complete, standardized and effective documents and materials shall be submitted according to the requirements of project management. 7. Except as stipulated by the State Council, the accumulated foreign equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their net assets; 8 rural borrowers must apply for loan cards in accordance with the provisions of the People's Bank of China, and go through the annual inspection procedures in accordance with the provisions.
4. What is the loan interest rate of Gansu Rural Credit Cooperative?
The loan interest rate of rural credit cooperatives in Gansu Province may be different according to different loan types, terms, amounts and credit ratings. According to some information on the Internet, the loan interest rate of Gansu Rural Credit Cooperatives is roughly as follows:
1, with an annual interest rate of 5.6% for half a year.
2. The annual interest rate from six months to one year is 6%.
3. The annual interest rate for one to three years is 6. 15%.
The annual interest rate for three to five years is 6.4%.
5. The annual interest rate over five years is 6.55%.