Rural commercial bank deposit interest rate table 202 1

Rural Commercial Bank 202 1 The latest deposit interest rates are as follows:

1. Deposits of urban and rural residents and units (1), current 0.50 (2) fixed term.

1. lump sum deposit and withdrawal

Three months 3. 10 Half a year 3.30 One year 3.50 Two years 4.40 Three years 5.00 Five years 5.50

2. lump-sum deposit and withdrawal, deposit and interest.

One year 3. 10 Three years 3.30 Five years 3.50

3. Fixed-income and double-income loans will be discounted at the same interest rate regularly within one year.

Two. Agreed deposit 1.3 1

3. Notice deposit: 0.95 for one day, 7 days 1.49.

Rural commercial banks, the predecessor of rural credit cooperative banks, belong to joint-stock commercial banks. Rural cooperative financial institutions that mainly provide financial services to their members. It does not belong to Agricultural Bank and Industrial and Commercial Bank of China, but an independent financial institution.

1. Term and method of loans of rural commercial banks:

1, pure credit loan

At present, the popular loan method mainly relies on personal reputation to borrow money from banks. The amount of this kind of loan is generally not high. If there are other assets to assist, the amount may increase a little.

Like applying for a credit loan, these factors can give you extra points: work unit (civil servants, teachers, doctors, executives of large enterprises, etc. ), with strong assets in the bank and many business contacts with the bank, I have the opportunity to apply for a relatively high credit loan.

2. Guaranteed loan

If your personal qualification is not up to standard, you can try to find a third-party guarantor to provide you with guarantee services. This kind of loan, the amount is relatively high, but the requirements for the guarantor are higher. For example, it is generally difficult to meet the requirements of bank liquidity, credit and assets. Even if the conditions are met, the amount will not be too high.

3. Mortgage loan

You have real estate, shops, fixed assets, etc. In your name. If you meet the requirements of the bank, you can apply for a mortgage loan. This is the best way to get a large loan. Most banks have similar business. It is recommended to go directly to the bank outlets for consultation.

Two, rural commercial banks loan application conditions:

1, if you want to have a fixed income, it depends on the salary details;

2. At least 18-65 years old;

3 loans for business or car purchase, there must be a guarantor and mortgage;

4. Good credit information.

Three, rural commercial bank loan application materials:

1. Lender ID card;

2. The credit information of the lender in the past six months, and the credit information is good;

3. The bank card under the lender's name has been flowing for nearly half a year without interruption;

4. The lender's residence certificate (rental contract, real estate license, water and electricity invoices for the last three months);

5. Income certificate issued by the lender's work unit;

6. Social security, insurance policies and provident fund can also be loaned on a monthly basis.

If you want to borrow a higher amount, you can do mortgage loans, such as houses and cars.