Does Shandong Rural Credit Cooperative accept SMS self-defense fee?

Shandong Rural Credit Cooperative does not charge for SMS self-defense. Service charge: SMS personal subscription 3 yuan/month/mobile phone number, no SMS.

Quantity limit. If the account balance changes more than 2000 yuan (inclusive), SMS service (unique mobile phone number only) will be provided free of charge.

1. What is the loan interest of rural credit cooperatives?

The loan interest rate of rural credit cooperatives will fluctuate on the loan benchmark. The benchmark loan interest rate is: the loan interest rate within one year is 4.35%; The loan interest rate within one year to five years is 4.75%; The interest rate for loans with a term of more than five years is 4.90%. The benchmark interest rate of central bank loans is the guiding interest rate of rural credit cooperatives, and credit cooperatives have the right to raise or lower the loan interest rate according to the borrower's situation. The lower limit of the loan interest rate of rural credit cooperatives is 0.9 times of the benchmark interest rate, and the maximum floating coefficient is 2.3 times of the benchmark interest rate.

Second, what are the consequences of loans overdue, a rural credit cooperative?

1, resulting in penalty interest. The penalty interest is calculated according to compound interest, that is to say, the longer the overdue period, the higher the penalty interest the borrower needs to pay, and for those with weak repayment ability, further penalty interest will increase their repayment pressure;

2. Personal credit is affected. The longer the time, the higher the amount and the greater the impact. In this way, it is very difficult for borrowers to refinance in the future. Lending institutions are likely to lose loan approval because of the borrower's bad credit;

3. Be sued to the court. If the repayment is still overdue after repeated urging by the credit union, the staff of the credit union can sue the borrower to the court and let the court decide to auction the borrower's assets for repayment. Whether it is a mortgage loan or a credit loan, this can be implemented.

Loans overdue, a rural credit cooperative, received credit information with very serious consequences. Therefore, if you borrow a loan based on credit information, you must repay it on time and don't overdue it easily. Otherwise, if it is overdue, there will be a credit stain, and it will take five years to "wash away" after paying off the debt. If you don't pay it back all the time, the credit stain will follow you for life.