Guizhou Provincial Rural Commercial Bank Longli County Rural Commercial Bank's loan interest rate in 2022

The Rural Commercial Bank loan interest rate will float on the central bank's benchmark interest rate, and the benchmark interest rate is:

1. The annual loan interest rate for less than 1 year is 4.35%, and the annual loan interest rate for 1 to 5 years is 4.75%;

2. The annual loan interest rate for more than 5 years is 4.9%;

3. If it is a personal housing provident fund loan, the annual interest rate for loans under five years is 2.75%, and the annual interest rate for loans over five years is 3.25%. The interest rate for a three-year loan of 100,000 yuan from Guizhou Changzheng Bank is 28,880 yuan. According to relevant information, Guizhou Bank's three-year loan interest rate is about 8%. For a loan of 100,000 yuan, the monthly interest that needs to be repaid is 800 yuan. For 3 years and 36 months, the total interest is 28,880 yuan. Changzheng Bank is not a branch, but a village bank, which is different from state-owned banks, joint-stock banks and local banks. How much is the interest per year on a Guiyang Bank loan of 500,000 yuan per year?

Guiyang Bank loan is 500,000 yuan per year. It is a commercial loan. According to the repayment method of equal principal and interest, the interest paid is 11,859 yuan. If you choose equal principal payments, the interest paid is 11,781 yuan. The Guiyang Bank loan is 500,000 yuan per year, and the commercial loan interest rate is 4.35%. Bank of Guiyang Co., Ltd. Founded in 1997, with a registered capital of 3.656 billion yuan, its head office is located in Guiyang City, Guizhou Province. What is the process for personal business loans? What is the loan interest rate of Guizhou Bank

People who are new to loans generally don’t know where to start when applying for loans, so it is necessary to understand the loan process in advance. So, what is the process for personal business loans? What is the loan interest rate of Guizhou Bank? Let us find out next.

What is the process for personal business loans?

The process for applying for a commercial loan is generally as follows:

1. Submit the application and materials.

After signing the house sales contract, you can apply for a commercial loan from the bank. Whether it is a first-hand mortgage or a second-hand mortgage, you must submit your application materials to the bank account manager responsible for mortgage processing. Whether the materials submitted are complete is the most important step in the commercial loan process.

2. Bank acceptance investigation.

After the commercial bank receives your loan application materials, it will review your materials. During the bank's acceptance investigation, it will ask you to supplement some information according to the situation. Therefore, you'd better submit it during this period. Reduce business trips during the period and keep in touch with the bank.

3. Bank verification and approval.

Mainly to verify some aspects: the condition of the house (there are restrictions on the age of the house, generally no loan will be issued for houses over 20 years old), the qualifications of the borrower (whether the personal credit Have a bad record and the ability to repay). This step is the most critical step in the business loan process. If your credit is bad, it will directly lead to the failure of the loan application, so the accumulation of personal credit is very important.

After the bank notifies you that the loan has been approved, you need to open an account with the bank, get a savings card and sign a loan contract. At the same time, relevant guarantee procedures such as mortgage, guarantee, pledge and insurance will be handled. It is worth noting here that when you sign a contract and go through the guarantee procedures, you must understand the details in the contract in detail and clarify your rights and obligations to avoid unnecessary conflicts.

4. Bank disbursement of loans

The bank will disburse the loan to the developer's account. The bank or developer will notify you to collect relevant documents and repay the loan according to regulations. It is worth noting that you only need to receive the loan contract, repayment details and repayment account card, and start repayment according to the specified date.

What is the loan interest rate of Guizhou Bank?

The loan interest rate of Guizhou Bank is:

(1) The annual interest rate of Guizhou Bank’s loans within 1 year (including 1 year) is 4.35%.

(2) The annual interest rate for loans from Guizhou Bank for 1-5 years (including 5 years) is 4.75%.

(3) The annual interest rate of Guizhou Bank’s personal housing provident fund loan for 1-5 years (including 5 years) is 2.75%.

(4) The annual interest rate of Guizhou Bank’s personal housing provident fund loans for more than 5 years is 3.25%.

In addition, due to differences in regulations between outlets, the loan interest rates are not completely consistent, and the specific loan interest rates shall prevail.

What is the process for personal business loans? What is the loan interest rate of Guizhou Bank? Regarding the personal business loan application process and the interest rate of Guizhou Bank loans, the above content has been briefly introduced and explained. I hope it will be helpful to everyone.