现行贷款利率对比表
单位：年利率％
| 贷款年限 | 公积金利率 | 商贷利率 | 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 |
| 调整时间 | 公积金贷款1-5年(含5年) | 公积金贷款5-30年 | 商业贷款1-3年（含3年） | 商业贷款3-5年（含5年) | 商业贷款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% |