1. What is the interest rate for personal loans from rural credit cooperatives? The annual interest rate is approximately 4%-10%.

Rural credit cooperatives will raise or lower loan interest rates based on the borrower's situation.

The lower limit of rural credit cooperative loan interest rates is 0.9 times the benchmark interest rate, and the maximum increase factor is 2.3 times the benchmark loan interest rate.

The central bank’s latest benchmark annual interest rate is 4.35%.

2. Rural Credit Cooperative personal loan interest Rural Credit Cooperative loan interest rates will fluctuate based on the loan benchmark. The loan benchmark interest rate is: 1. The interest rate for loans within one year is 4.35%; 2. The interest rate for loans within one to five years is 4.75%.

;3. The interest rate for loans over five years is 4.90%.

The central bank's benchmark loan interest rate serves as the guiding interest rate for loans to rural credit cooperatives. Credit cooperatives have the right to raise or lower the loan interest rate based on the borrower's situation.

The lower limit of rural credit cooperative loan interest rates is 0.9 times the benchmark interest rate, and the maximum increase factor is 2.3 times the benchmark loan interest rate.

Extended information: Rural Credit Cooperatives (English name RuralCreditCooperatives, Chinese abbreviation of Rural Credit Cooperatives, Rural Credit Cooperatives) refers to rural cooperative financial institutions established with the approval of the People's Bank of China, composed of members as shareholders, practicing democratic management, and mainly providing financial services to members.

Rural credit cooperatives are independent corporate legal persons. They bear responsibility for the debts of rural credit cooperatives with all their assets and enjoy civil rights in accordance with the law.

Its property, legitimate rights and interests and business activities carried out in accordance with the law are protected by national laws.

Its main task is to raise idle funds in rural areas and provide financial services for the development of agriculture, farmers and rural economy.

In accordance with the provisions of national laws and financial policies, organize and regulate rural funds to support agricultural production and comprehensive rural development, support various forms of cooperative economy and member family economy, and restrict and crack down on them.

Rural Credit Cooperatives are divided into the following departments: Rural Credit Cooperatives Cooperatives, Rural Credit Cooperatives International Finance Department, Zhengtong Rural Credit Cooperative Training School, Rural Credit Cooperative Credit Department, etc. It is a department under the dual leadership of the China Banking Regulatory Commission and the State Council.

Rural credit cooperatives are bank-type financial institutions. The so-called bank-like financial institutions are also called depository institutions and deposit money banks. Their unique characteristics are that they take deposits as their main liabilities, grant loans as their main assets, and handle transfer settlements as their main assets.

The main intermediary business is directly involved in the creation process of deposit currency.

Rural credit cooperatives are also credit cooperative institutions. The so-called credit cooperative institutions are cooperative financial institutions with the main purpose of mutual assistance formed by individuals raising funds. They are referred to as "credit cooperatives". They carry out deposits and loans among members for the purpose of mutual aid and self-help.

business.

The establishment of credit cooperatives is directly related to the development of natural economy and small commodity economy.

Since agricultural producers and small commodity producers have seasonal, sporadic, small-amount, and small-scale capital needs, it is difficult for small producers and farmers to obtain bank loan support. However, objectively, the development of production and circulation must solve the problem.

Due to the difficulty of insufficient capital, this kind of mutual aid and self-help credit organization established by paying shares and deposits emerged.

Rural credit cooperatives are cooperative financial organizations composed of farmers who hold shares, implement democratic management by the members, and mainly serve the members. They are legal financial institutions established with the approval of the People's Bank of China in accordance with the law.

Rural credit cooperatives are an important part of China's financial system. Their main task is to raise idle funds in rural areas and provide financial services for the development of agriculture, farmers and rural economy.

At the same time, organize and regulate rural funds, support agricultural production and comprehensive rural development, support various forms of cooperative economy and member family economy, and limit and crackdown.

3. What is the personal loan interest rate of rural credit cooperatives? The loan interest rate pricing of rural credit cooperatives can be summarized into the following five types: 1. Policy-based pricing: mainly concentrated in some poverty alleviation loans, national student loans, and farmers’ entrepreneurship guarantee fund loans.

Loans in the farming, breeding, and agricultural and sideline product processing industries are subject to benchmark interest rates, and they account for a relatively low proportion of loans from rural credit cooperatives.

2. Benefit-based pricing: Mainly focused on general farmers’ loans, loans to individual industrial and commercial households, and loans to small and medium-sized private enterprises. The interest rates of such loans are relatively high. Rural credit cooperatives generally charge an increase of more than 50%. Moreover, such loans are sold in rural credit cooperatives.

Loans account for a high proportion and are the main source of interest income for rural credit cooperatives.

3. Competitive pricing: Mainly focused on prime customers within the service area. These are loans actively marketed by rural credit cooperatives. Such enterprises are generally larger in scale, stronger in strength, better in efficiency, stronger in capital liquidity, and have more capital.

The amount of settlement is large, which is also the target of competition among various financial institutions. The interest rates of such corporate loans generally do not rise or rise less.

4. Preferential pricing: Mainly focused on loans pledged by deposit certificates of rural credit cooperatives or other financial institutions, loans pledged by bank acceptance bills, and loans pledged by rural credit cooperatives that are far greater than the loan amount. The interest rates of such loans generally rise.

The range does not exceed 20%, which is commonly known as "preferential interest rate".