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現行貸款利率對比表
單位:年利率%
貸款年限 公積金利率 商貸利率 利差
五年以下(含五年) 2.35 3.65 1.3
五年以上 2.85 4.3 1.45
調整時間 公積金貸款1-5年(含5年) 公積金貸款5-30年 商業貸款1-3年(含3年) 商業貸款3-5年(含5年) 商業貸款6-30年
2015-10-24 2.75% 3.25% 4.75% 4.75% 4.9%
2015-08-26 2.75% 3.25% 5.00% 5.00% 5.15%
2015-06-28 3.00% 3.50% 5.25% 5.25% 5.40%
2015-05-11 3.25% 3.75% 5.50% 5.50% 5.65%
2015-03-01 3.50% 4.00% 5.75% 5.75% 5.90%
2014-11-22 3.75% 4.25% 6.00% 6.00% 6.15%
2012-07-06 4.00% 4.50% 6.15% 6.40% 6.55%
2012-06-08 4.20% 4.70% 6.40% 6.65% 6.80%
2011-07-07 4.45% 4.90% 6.65% 6.90% 7.05%
2011-04-06 4.20% 4.70% 6.40% 6.65% 6.80%
2011-02-09 4.00% 4.50% 6.10% 6.45% 6.60%
2010-12-26 3.75% 4.30% 5.85% 6.22% 6.40%
2010-10-20 3.50% 4.05% 5.60% 5.96% 6.14%
2008-12-23 3.33% 3.87% 5.40% 5.76% 5.94%
2008-11-27 3.51% 4.05% 5.67% 5.94% 6.12%
2008-10-30 4.05% 4.59% 6.75% 7.02% 7.20%
2008-10-27 4.05% 4.59% 7.02% 7.29% 7.47%
2008-10-09 4.32% 4.86% 7.02% 7.29% 7.47%
2008-09-16 4.59% 5.13% 7.29% 7.56% 7.74%
2007-12-21 4.77% 5.22% 7.56% 7.74% 7.83%
2007-09-14 4.77% 5.22% 7.47% 7.65% 7.83%
2007-08-22 4.59% 5.04% 7.20% 7.38% 7.56%
2007-07-21 4.50% 4.95% 7.02% 7.20% 7.38%
2007-05-19 4.41% 4.86% 6.75% 6.93% 7.20%
2007-03-01 4.32% 4.77% 6.57% 6.75% 7.11%
2006-05-08 4.14% 4.59% 6.03% 6.12% 6.39%
2005-03-17 3.96% 4.41% 5.76% 5.85% 6.12%
2004-10-29 3.78% 4.23% 5.76% 5.85% 6.12%
2004-10-29 3.60% 4.05% 4.77% 4.77% 5.04%
1999-09-21 4.14% 4.59% 5.94% 6.03% 6.21%
1999-10-16 7.65% 8.10% 10.98% 11.70% 12.42%