The loan interest rate of rural credit cooperatives in Yunnan Province, commercial loans: 5.60% within six months (inclusive), 6.00% within six months to one year (inclusive), 6. 15% within one to three years (inclusive), 6.40% within three to five years (inclusive) and 6.55% above five years.
RuralCreditCooperatives (rural credit cooperatives in English) refers to a rural cooperative financial institution established with the approval of the People's Bank of China, which is composed of members' shares, implements democratic management and mainly provides financial services for its members.
Rural credit cooperatives are independent enterprise legal persons, which are responsible for the debts of rural credit cooperatives with all their assets and enjoy civil rights according to law. Its property, legitimate rights and interests and business activities carried out according to law are protected by state laws. Its main task is to raise idle funds in rural areas and provide financial services for agriculture, farmers and rural economic development. In accordance with the provisions of national laws and financial policies, organize and standardize rural funds, support agricultural production and comprehensive rural development, support various forms of cooperative economy and family economy, and restrict and crack down.
Rural credit cooperatives are divided into the following departments: Rural Credit Cooperatives, International Finance Department of Rural Credit Cooperatives, Zhengtong Rural Credit Cooperatives Training School and Credit Department of Rural Credit Cooperatives, which are under the dual leadership of CBRC and the State Council.
As early as 1950s, the outlets of China People's Bank in rural areas were changed to rural credit cooperatives. The purpose of rural credit cooperatives is "mutual assistance of farmers' funds", that is, farmers form credit cooperatives, and members contribute capital to form loans.
The relationship between county associations and individual credit cooperatives is equivalent to that between head offices and sub-branches.
There is a county association in a county. At the beginning, the county association was managed by the Agricultural Bank of China; 1996 and returned to the people's bank; After 1999, the People's Bank of China gradually established prefectural (city) associations, and county associations were under the jurisdiction of prefectural (city) associations; After 2003, the People's Bank of China withdrew, canceled the local (city) cooperatives, and handed over the management right of rural credit cooperatives to the provincial government, which established the provincial cooperatives, which were in charge of the county cooperatives.
So far, from the economic and legal point of view, each county association is equivalent to an independent bank (enterprise), the actual owner is the provincial government, and the county associations in the province form the provincial association, so the provincial association is actually the "son" of the county association.
Administratively, each county association is the administrative department in charge of credit cooperatives, and the provincial association is the highest administrative department, so the provincial association is the "Lao Zi" of the county association. Because of its high administrative status, the provincial association has become the actual manager of the county association economically.
Yunnan Construction Bank mortgage interest rate
The loan interest rate of China Construction Bank 202 1 can be divided into short-term loan interest rate, medium-and long-term loan interest rate and individual housing provident fund loan interest rate. The specific analysis of the mortgage interest rate of Yunnan Construction Bank is as follows:
1. Short-term loan: the loan interest rate within one year (including 1 year) is 4.35%.
2. Medium and long-term loans: 5-year (including 5-year) loan interest rate is 4.75%; The loan interest rate for more than five years is 4.9%.
3. Personal housing provident fund loan: the loan interest rate for less than five years (including five years) is 2.75%; The loan interest rate for more than five years is 3.25%.
The interest rate of each branch of the bank may be different. Please refer to the actual transaction interest rate for details.
1. What information do I need to prepare for mortgage?
1. If you need to prepare a loan application, you can go directly to the bank and fill in the relevant information truthfully.
2. My ID card, including your ID card and your household registration book, can be fully prepared if you have a passport or a police officer's card.
You also need to prepare a personal proof of marital status. If you are married, you need to prepare a marriage certificate. If you are not married, you need to go to the civil affairs department to issue a single certificate.
It is important to prepare personal income certificate, because the bank should consider whether you have repayment ability, such as your salary running bill. To start a company, you need to provide a tax payment certificate.
5, but also provide proof of the purchase contract and down payment.
6. If this house belongs to someone else, another person also needs to provide his own identification and so on.
Second, what are the conditions for applying for a mortgage?
1, first you need to meet the age requirement. If it is a male, you need to be over 18 years old, but not over 65 years old. The woman's age is over 18, but not over 60, and she must have full capacity for civil conduct.
2. Have a stable income, because after all, you have to pay interest on time every month.
3. If you buy a second-hand house, you must have a real estate license of the second-hand house, which meets the conditions for listing and circulation.
4. Also check whether the house is in a new state or a mortgage state.
Third, the process of handling mortgage loans.
1, Step 1: First, the lender needs to apply to the bank and prepare complete information for the bank to review.
2. Step 2: After receiving the relevant information, the bank will review the qualifications of individuals, and if there is a property that needs to be mortgaged, it will also evaluate the property.
Step 3: If the loan conditions of the bank are met, the bank will sign a contract with the lender to transfer the loan amount to the designated account within a certain period of time.
What is the latest mortgage interest rate in Yunnan?
The mortgage interest rate of Yunnan City Commercial Bank is:
1, mortgage loan: 7.37% (up 10.5 percentage point).
2. Small mortgage loan: 6. 17% (up 10.5 percentage point).
3. Moderate mortgage loan: 7.37% (up by 65,438+00.5 percentage points).
4. Large mortgage loan: 7.37% (up 10.5 percentage point).