贷款利率，是指借款期限内利息数额与本金额的比例。我国的利率由中国人民银行统一管理，中国人民银行确定的利率经国务院批准后执行。
其中，一年期贷款基准利率下调0.25个百分点至4.35%;一年期存款利率下调0.25个百分点至1.5%;个人住房公积金贷款利率保持不变。公积金贷款最新利率五年及以下为2.75%，五年以上为3.25%。
调整时间 | 六个月(含) | 一年(含) | 一至三年(含) | 三至五年(含) | 五年以上 |
1996.5.1 | 9.72% | -- | 13.14% | 14.94% | 15.12% |
1996.8.23 | 9.18% | 10.08% | 10.98% | 11.70% | 12.42% |
1997.10.23 | 7.65% | 8.64% | 9.36% | 9.90% | 10.53% |
1998.3.25 | 7.02% | 7.92% | 9.00% | 9.72% | 10.35% |
1998.7.1 | 6.57% | 6.93% | 7.11% | 7.65% | 8.01% |
1998.12.7 | 6.12% | 6.39% | 6.66% | 7.20% | 7.56% |
1999.6.10 | 5.58% | 5.85% | 5.94% | 6.03% | 6.21% |
2002.2.21 | 5.04% | 5.31% | 5.49% | 5.58% | 5.76% |
2004.10.29 | 5.22% | 5.58% | 5.76% | 5.82% | 6.12% |
2006.4.28 | 5.40% | 5.85% | 6.03% | 6.12% | 6.39% |
2006.8.19 | 5.58% | 6.12% | 6.30% | 6.48% | 6.84% |
2007.3.18 | 5.67% | 6.39% | 6.57% | 6.75% | 7.11% |
2007.5.19 | 5.85% | 6.57% | 6.75% | 6.93% | 7.20% |
2007.7.21 | 6.03% | 6.84% | 7.02% | 7.20% | 7.38% |
2007.8.22 | 6.21% | 7.02% | 7.20% | 7.38% | 7.56% |
2007.9.15 | 6.48% | 7.29% | 7.47% | 7.65% | 7.83% |
2007.12.21 | 6.57% | 7.47% | 7.56% | 7.74% | 7.83% |
2008.9.16 | 6.21% | 7.20% | 7.29% | 7.56% | 7.74% |
2008.10.08 | 6.12% | 6.93% | 7.02% | 7.29% | 7.47% |
2008.10.30 | 6.03% | 6.66% | 6.75% | 7.02% | 7.20% |
2008.11.27 | 5.04% | 5.58% | 5.67% | 5.94% | 6.12% |
2008.12.23 | 4.86% | 5.31% | 5.40% | 5.76% | 5.94% |
2010.10.20 | 5.10% | 5.56% | 5.60% | 5.96% | 6.14% |
2010.12.26 | 5.35% | 5.81% | 5.85% | 6.22% | 6.40% |
2011.02.09 | 5.60% | 6.06% | 6.10% | 6.45% | 6.60% |
2011.04.06 | 5.85% | 6.31% | 6.40% | 6.65% | 6.80% |
2011.07.07 | 6.10% | 6.56% | 6.65% | 6.90% | 7.05% |
2012.06.08 | 5.85% | 6.31% | 6.40% | 6.65% | 6.80% |
2012.07.06 | 5.60% | 6.00% | 6.15% | 6.40% | 6.55% |
2014.11.22 | 5.60% | 5.60% | 6.00% | 6.00% | 6.15% |
2015.03.01 | 5.35% | 5.35% | 5.75% | 5.75% | 5.90% |
2015.05.11 | 5.10% | 5.10% | 5.50% | 5.50% | 5.65% |
2015.06.28 | 4.85% | 4.85% | 5.25% | 5.25% | 5.40% |
2015.08.26 | 4.60% | 4.60% | 5.00% | 5.00% | 5.15% |
2015.10.24 | 4.35% | 4.35% | 4.75% | 4.75% | 4.90% |
本利率表中的利率仅供参考，具体详情请咨询各银行网点柜台
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