The loan interest rate of rural commercial banks is 4.35%-4.9%. The rural commercial bank system in all places is independent, and the loan interest rate is based on the benchmark interest rate of the central bank, and then it is decided according to its own situation. Different loan products have different interest rates. The benchmark interest rate of central bank loans is within 1 year, and the interest rates over five years are 4.35%, 1-5 years, 4.75% and 4.9% respectively. Rural commercial banks around the country provide a variety of loan services according to the different loan needs of customers, such as credit loans, mortgage loans, housing mortgage loans and so on. The general loan interest rate will fluctuate by 0-30% on the basis of the central bank's benchmark interest rate according to the lender's credit situation, subject to the actual interest rate. General commercial loans are loans used to supplement the working capital of industrial and commercial enterprises. Generally, they are short-term loans with a term of 9 months and no more than one year, but there are also a few medium-and long-term loans. Rural commercial banks, referred to as rural commercial banks for short, are joint-stock local financial institutions composed of farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations under their jurisdiction. Rural cooperative banks should all be restructured into rural commercial banks. The proportion of qualified shares in rural credit cooperatives in China has dropped below 30%. About 303 rural commercial banks and 2 rural cooperative banks have been established, and the total assets of rural banks account for 4 1.4% of the rural cooperative financial institutions in China. In addition, 1424 rural credit cooperatives have met or basically met the conditions for establishing rural commercial banks. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. In order to reduce the moral hazard of the lender, the borrower and its responsible person should also be specially examined. When issuing loans, financial institutions should not only examine the qualifications, conditions and operating conditions of borrowers, but also strengthen the examination and control of the personal qualities of investors, legal representatives of enterprises and key management personnel.
2. What is the current loan interest rate of rural commercial banks?
The latest benchmark interest rate of bank loans: various loans and corresponding interest rates: 4.90 for six months and four to five years; Provident fund loan interest rate and corresponding interest rate: less than five years (including five years) 2.75; More than five years, 3.25. According to Article 680 of the Civil Code, it is forbidden to borrow at high interest and borrow customs. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. The loan contract does not specify the method of interest payment, and the parties cannot reach a supplement or the parties' trading methods, trading habits, market interest rates and other factors determine the interest; Loans between natural persons are regarded as interest-free.
I want to borrow 50 thousand a year. What are your interests? I am from Tunliu County, Changzhi City, Shanxi Province.
If you are just trying to calculate a rough information, please open/cmbwebpubinfo/cal _ loan _ per.aspx? Chnl=dkjsq According to the situation you want to deal with, use a financial calculator for trial calculation. The specific loan information needs to be reviewed by the handling bank before it can be determined.
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4. What is the loan interest rate of Changzhi Rural Commercial Bank?
The loan interest rate of Changzhi Rural Commercial Bank is 4.35-5.655%.