Spread out completely
At present, the bank's interest rate is:1from 0 yuan, 2.60 for one year, 2.80 for three years and 3.00 for five years, and there is no limit to deposit more.
Second, Haikou Rural Commercial Bank loan policy?
Haikou Rural Commercial Bank has launched wage guarantee loans, micro-credit loans for farmers, loans for "peasant civil servants", loans for individual industrial and commercial households and small and medium-sized enterprises, and personal comprehensive consumption loans.
According to the relevant person in charge of Haikou Rural Credit Cooperative, wage-guaranteed loan refers to a loan that takes the wage income of the borrower or a third party as the loan guarantee and repays the loan principal and interest at a certain proportion of the monthly wage income of the borrower or a third party every month; Micro-credit loans for farmers refer to unsecured and unsecured loans granted to farmers with the credit standing of farmers as the guarantee within the approved quota and time limit; "Peasant civil servant" loan refers to the loan that farmers apply for and civil servants provide guarantee for.
3. Is Haikou United Rural Commercial Bank a regular bank?
Yes
Haikou United Rural Commercial Bank is a regular bank.
Haikou United Rural Commercial Bank is a joint-stock bank approved by China Banking Regulatory Commission. It was incorporated on February 27, 20 12 12, and its headquarters is in Haikou, Hainan Province. Its main business scope includes: absorbing public deposits, issuing short-term, medium-term and long-term loans and handling domestic settlement.
Handle bill acceptance and discount, issue, honor and underwrite government bonds, buy and sell government bonds and financial bonds, engage in interbank lending, engage in bank debit card business, act as an agent for receiving and paying money and insurance agency business.
Four, what are the conditions for rural commercial bank loans, there are the following seven conditions.
1, aged between 18 and 65 years old, with full capacity for civil conduct;
2. Personal credit is excellent, with no bad credit record, and the main purpose of the loan is reasonable and legal;
3. Have a good job and income, and have the ability to repay loans and interest on time;
4. The sum of the loan term and the borrower's actual age cannot exceed 70 years old;
5. Having a fixed residence in the city where the loan bank is located;
6. Provide reasonable identification and financial proof;
7. Other conditions that meet the requirements of rural commercial banks.
There are other standards for some types of loans, such as providing a loan guarantor for loan-guaranteed loans and providing collateral for mortgage loans. The above is the relevant content of the loan conditions of rural commercial banks.
How to solve the problem of rural commercial bank loans without money
Rural commercial bank loans have no money to repay, and customers can take the initiative to contact rural commercial banks and apply for repayment through negotiation. The customer needs to explain that the individual is not maliciously overdue and submit proof that he is unable to repay the loan. As long as it can pass the approval of the rural commercial bank, customers can negotiate successfully. There is no special reason why repayment cannot be made, and the success rate of negotiation repayment will be improved. Generally speaking, customers can't repay the loans of rural commercial banks on time, so they must take the initiative to negotiate solutions with banks, otherwise their personal credit information may be affected.
Are rural commercial banks private or state-owned?
Rural commercial banks are owned by the state. Rural commercial banks, formerly known as rural cooperative banks, used to be the essence of group economy, and later became state escrow. Rural commercial banks are joint-stock local financial institutions composed of farmers, rural industrial and commercial families, legal representatives of companies and other economic institutions.
How to adjust the transfer limit of mobile banking in rural commercial banks
Under normal circumstances, if consumers who often ask for large transfers want to transfer money through mobile banking, in this case, the best way for customers to adjust the mobile banking quota is to go directly to the offline service outlets of rural commercial banks to adjust the relevant quotas, which can directly increase the personal mobile banking transfer quota. If the limit is adjusted by the mobile banking itself, it can only be adjusted within the maximum limit. Customers need to enter the setting page and select "Set Transfer Limit" to adjust the transfer limit of mobile banking. This article is mainly about the knowledge points about the loan conditions of rural commercial banks, and the content is for reference only.