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| 公积金 |
| 年限 |
1-5年 |
5-30年 |
| 2005.1.1前 |
3.60% |
4.05% |
| 2005.1.1-3.16 |
3.78% |
4.23% |
| 2005.3.17-2006.5.7 |
3.96% |
4.41% |
| 2006.5.8 |
4.14% |
4.59% |
| 2007.3.18 |
4.32% |
4.77% |
| 2007.5.19 |
4.41% |
4.86% |
| 2007.7.21 |
4.50% |
4.95% |
| 2007.8.22 |
4.59% |
5.04% |
| 2007.9.15 |
5.04% |
5.22% |
| 2008.9.16后 |
4.59% |
5.13% |
| 2008.10.09后 |
4.32% |
4.86% |
| 2008.11.27后 |
3.51% |
4.05% |
| 商业性贷款利率 |
| 年限 |
1-5年 |
5-30年 |
| 2005.1.1日前 |
4.77% |
5.04% |
| 2005.1.1-3.16 |
4.95% |
5.31% |
| 2005.3.17下限 |
5.27% |
5.51% |
| 2005.3.17上限 |
5.85% |
6.12% |
| 2006.4.28后下限 |
5.51% |
5.75% |
| 2006.4.28后上限 |
6.12% |
6.39% |
| 2006.8.19后下限 |
5.51% |
5.81% |
| 2006.8.19后上限 |
6.48% |
6.84% |
| 2007.3.18后下限 |
5.74% |
6.04% |
| 2007.3.18后上限 |
6.75% |
7.11% |
| 2007.5.19后 |
6.93% |
7.20% |
| 2007.7.21后 |
7.20% |
7.38% |
| 2007.8.22后 |
7.38% |
7.56% |
| 2007.9.15后 |
7.56% |
7.83% |
| 2007.12.21后基准 |
7.74% |
7.83% |
| 2007.12.21后上限 |
8.51% |
8.61% |
| 2007.12.21后下限 |
6.579% |
6.65% |
| 2008.09.16后基准 |
7.56% |
7.74% |
| 2008.09.16后上限 |
8.32% |
8.51% |
| 2008.09.16后下限 |
6.426% |
6.579% |
| 2008.10.09后基准 |
7.29% |
7.47% |
| 2008.10.09后上限 |
8.02% |
8.22% |
| 2008.10.09后下限 |
6.20% |
6.35% |
| 2008.10.09后基准 |
7.29% |
7.47% |
| 2008.10.09后上限 |
8.02% |
8.22% |
| 2008.10.09后下限 |
6.20% |
6.35% |
| 2008.10.27后基准 |
7.29% |
7.47% |
| 2008.10.27后上限 |
8.02% |
8.22% |
| 2008.10.27后下限 |
5.10% |
5.23% |
| 2008.10.30后基准 |
7.02% |
7.20% |
| 2008.10.30后上限 |
7.72% |
7.92% |
| 2008.10.30后下限 |
4.91% |
5.04% |
| 2008.11.27后基准 |
5.94% |
6.12% |
| 2008.11.27后上限 |
6.53% |
6.73% |
| 2008.11.27后下限 |
4.16% |
4.28% |
提前还款包括提前全部还款、提前部分还款且贷款期限不变、提前部分还款的同时缩短贷款期限三种情况。贷款银行只能受理自发放个人贷款第二个还款月起借款人提前还款的申请。
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