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央行历年贷款利率表 及新2015存贷款利率表

房天下  2015-07-14 16:18

[摘要] 6月28日降息是自去年11月22日以来的第四次央行降息。本文中国人民银行历年贷款利率表展现了自1991年到2015年6月28日贷款基准利率变化，新存贷款利率表展现了目前银行存款基准利率、商贷利率、个人住房公积金贷款利率。

6月28日降息是自去年11月22日以来的第四次央行降息。本文中国人民银行历年贷款利率表展现了自1991年到2015年6月28日贷款基准利率变化，新存贷款利率表展现了目前银行存款基准利率、商贷利率、个人住房公积金贷款利率。

中国人民银行历年贷款利率表（截止2015年6月28日）

.自2015年6月28日起下调金融机构人民币贷款和存款基准利率，以进一步降低企业融资成本，同时有针对性地对金融机构实施定向降准。

央行决定，金融机构一年期贷款基准利率下调0.25个百分点至4.85％；一年期存款基准利率下调0.25个百分点至2％；其他各档次贷款及存款基准利率、个人住房公积金存贷款利率相应调整。

央行同时宣布，为进一步支持实体经济发展，促进结构调整，对“三农”贷款占比达到定向降准标准的城市商业银行、非县域农村商业银行降低存款准备金率0.5个百分点；对“三农”或小微企业贷款达到定向降准标准的国有大型商业银行、股份制商业银行、外资银行降低存款准备金率0.5个百分点；降低财务公司存款准备金率3个百分点，进一步鼓励其发挥好提高企业资金运用效率的作用。

上林熙锦府 3.99分

八一路169号
在售住宅金牛地铁沿线
31000元/平方米
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自1991年贷款基准利率变化一览，更新到2015年6月28日：

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RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;WIDTH: 62pt;BACKGROUND-COLOR: transparent" height="18" width="82">2008.9.16RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 63pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="84">6.21%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 71pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="95">7.20%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 77pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="102">7.29%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 82pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="109">7.56%
RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;WIDTH: 62pt;BACKGROUND-COLOR: transparent" height="18" width="82">2008.10.08RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 63pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="84">6.12%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 71pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="95">6.93%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 77pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="102">7.02%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 82pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="109">7.29%
RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;WIDTH: 62pt;BACKGROUND-COLOR: transparent" height="18" width="82">2008.10.30RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 63pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="84">6.03%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 71pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="95">6.66%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 77pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="102">6.75%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 82pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="109">7.02%
RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;WIDTH: 62pt;BACKGROUND-COLOR: transparent" height="18" width="82">2008.11.27RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 63pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="84">5.04%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 71pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="95">5.58%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 77pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="102">5.67%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 82pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="109">5.94%
RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;WIDTH: 62pt;BACKGROUND-COLOR: transparent" height="18" width="82">2008.12.23RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 63pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="84">4.86%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 71pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="95">5.31%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 77pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="102">5.40%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 82pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="109">5.76%
RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;WIDTH: 62pt;BACKGROUND-COLOR: transparent" height="18" width="82">2010.10.20RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 63pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="84">5.10%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 71pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="95">5.56%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 77pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="102">5.60%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 82pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="109">5.96%
RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;WIDTH: 62pt;BACKGROUND-COLOR: transparent" height="18" width="82">2010.12.26RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 63pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="84">5.35%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 71pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="95">5.81%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 77pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="102">5.85%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 82pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="109">6.22%
RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;WIDTH: 62pt;BACKGROUND-COLOR: transparent" height="18" width="82">2011.02.09RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 63pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="84">5.60%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 71pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="95">6.06%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 77pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="102">6.10%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 82pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="109">6.45%
RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;WIDTH: 62pt;BACKGROUND-COLOR: transparent" height="18" width="82">2011.04.06RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 63pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="84">5.85%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 71pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="95">6.31%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 77pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="102">6.40%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 82pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="109">6.65%
RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;WIDTH: 62pt;BACKGROUND-COLOR: transparent" height="18" width="82">2011.07.07RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 63pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="84">6.10%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 71pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="95">6.56%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 77pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="102">6.65%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 82pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="109">6.90%
RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;WIDTH: 62pt;BACKGROUND-COLOR: transparent" height="18" width="82">2012.06.08RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 63pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="84">5.85%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 71pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="95">6.31%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 77pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="102">6.40%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 82pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="109">6.65%
RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;WIDTH: 62pt;BACKGROUND-COLOR: transparent" height="18" width="82">2012.07.06RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 63pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="84">5.60%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 71pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="95">6.00%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 77pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="102">6.15%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 82pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="109">6.40%
RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;WIDTH: 62pt;BACKGROUND-COLOR: transparent" height="18" width="82">2014.11.22RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 63pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="84">5.60%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 71pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="95">5.60%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 77pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="102">6.00%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 82pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="109">6.00%
RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;WIDTH: 62pt;BACKGROUND-COLOR: transparent" height="18" width="82">2015.03.01RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 63pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="84">5.35%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 71pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="95">5.35%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 77pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="102">5.75%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 82pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="109">5.75%
RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;WIDTH: 62pt;BACKGROUND-COLOR: transparent" height="18" width="82">2015.05.11RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 63pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="84">5.10%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 71pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="95">5.10%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 77pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="102">5.50%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 82pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="109">5.50%
RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;WIDTH: 62pt;BACKGROUND-COLOR: transparent" height="18" width="82">2015.06.28RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 63pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="84">4.85%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 71pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="95">4.85%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 77pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="102">5.25%RDER-RIGHT: windowtext 0.5pt solid;BORDER--COLOR: windowtext;BORDER-BOTTOM: windowtext 0.5pt solid;WIDTH: 82pt;BACKGROUND-COLOR: transparent;BORDER-LEFT-COLOR: windowtext" width="109">5.25%

新2015年存贷款利率表

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。贷款利率的高低直接决定着个人住房公积金每月还贷利息，影响着商业贷款买房月供。2015年5月11日降息后，新存贷款基准利率变化如下：

24年新低房贷利率让更多人加入贷款买房行列，房天下小编特附上贷款买房注意事项帮助购房者顺利购房。

 附上贷款买房注意项：

1、在申请贷款时，借款人对自己还款能力做出正确的判断。根据自己的收入水平设计还款计划，并适当留有余地，不要影响自己的正常生活。

2、选择适合的还款方式。等额还款方式和等额本金还款方式两种，还款方式一旦在合同中约定，在整个借款期间就不得更改。

3、每月按时还款避免罚息。从贷款发起的次月起，一般是次月的放款时间为还款日，不要因为自己的疏忽造成违约罚息，导致再次银行申请贷款时无法审批。

4、妥善保管好您的合同和借据，同时认真阅读合同的条款，了解自己的权利和义务。

中国人民银行历年贷款利率表展现了自1991年到2015年5月11日贷款基准利率变化，从中可以看出本次央行降息将房贷利率下调到了25年以来低点。新存贷款利率表展现了目前银行存款基准利率、商贷利率、个人住房公积金贷款利率。

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标签：中国人民银行贷款利率

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