Shijiazhuang Luancheng District Rural Credit Cooperative Inter-bank Transfer Fee

The charging standards for inter-bank transfer fees of credit cooperatives in different regions are different. Take Shijiazhuang as an example, there is no charge for inter-bank transfer through online banking and mobile banking of rural credit cooperatives. When transferring money between banks at ATMs and outlets, the charges are as follows:

1. The transfer fee of different banks in the same place is RMB per 2 yuan;

2. The handling fee for peer transfer in different places is 0.5% of the transaction amount, with the lowest 2 yuan and the highest 50 yuan;

3. The handling fee for inter-bank transfer in different places is 65,438+2 yuan+0% of the transaction amount.

How to transfer money by credit cooperatives:

1. Online bank transfer: the user logs into the bank official website and fills in all the information of the payee. After checking that there is no problem, you can transfer money according to the reminding operation;

2.ATM transfer: users can insert personal bank cards into ATM machines and make corresponding transfers;

3. Bank Counter Transfer: Users can transfer money by bringing their personal ID card and bank card to the bank counter.

Personal loan interest rate of credit cooperatives:

Combined with the borrower's credit status and the actual loan situation, the interest rate standard after a certain interest rate floating is given. It is understood that the latest bank personal loan interest rate standard (benchmark interest rate): 5.60% for loans within 6 months (inclusive); 6.00% of loans from 6 months to 1 year (inclusive); 1 to 3 years (inclusive) loan 6.15%; 3 to 5 years (inclusive) loan 6.40%; Loans with a term of more than 5 years are 6.55%.

Credit cooperative loan conditions:

1. The borrower is a citizen of People's Republic of China (PRC) with full civil capacity; The purpose of the loan is clear and legal; The amount, duration and currency of the loan application are reasonable; The borrower has the willingness and ability to repay.

2. The borrower has good credit status, good moral quality, law-abiding and no major bad credit record; Have a stable economic income and the ability to repay the loan principal and interest on schedule; Opening a current deposit account in rural credit cooperatives can provide effective guarantee and mortgage (pledge) guarantee recognized by rural credit cooperatives; Other conditions required by the lender.

Personal production and operation loans shall not be used for the following purposes except meeting the above conditions: production and operation activities that do not meet the national industrial and environmental protection policies; It has been included in the business scope of restricted and eliminated customers of the Bank; Capital market investment; Pay off bad financial debts.