贷款银行年利率一般多少

① 閾惰岃捶娆惧埄鐜囨槸澶氬皯

閾惰岃捶娆炬渶鏂板熀鍑嗗埄鐜囧垎鍒涓猴紝涓骞村唴鍒╃巼涓4.35%锛 4.75% 涓鍒颁簲骞达紱浜斿勾浠ヤ笂璐锋惧埄鐜囦负4.9%銆傞摱琛岃捶娆惧勾鍒╃巼浣庯紝浣嗛棬妲涢珮锛屾墍浠ョ幇鍦ㄥ緢澶氫汉浼氬湪缃戣捶骞冲彴涓婃斁璐凤紝浣嗘槸杩欑嶈捶娆惧钩鍙颁竴鑸閮戒細缁欏嚭鏃ュ埄鐜囨垨鏈堝埄鐜囷紝骞村埄鐜囪＄畻鍏寮忥細鏈堝埄鐜嚸12涓鏈=鏃ュ埄鐜嚸360澶╋紙鎸夋瘡骞360澶╄＄畻锛=骞村埄鐜囥

浠ユ棩鍒╃巼0.05%璁＄畻锛屽勾鍖栧埄鐜=0.05%脳360澶=18%銆傝捶娆10000鍏冿紝骞村埄鐜18%脳10000鍏=1800鍏冦傚煎緱娉ㄦ剰鐨勬槸锛屽ぇ閮ㄥ垎璐锋惧钩鍙扮粰鍑虹殑骞村埄鐜囧湪14%-18%涔嬮棿銆傚傛灉缃戣捶骞冲彴璁＄畻鐨勫勾鍖栧埄鐜囦笉鍦ㄨ繖涓鑼冨洿鍐咃紝鐢氳嚦瓒呰繃鍥藉舵硶瀹氱殑24%鎴36%锛屽氨闇瑕佹敞鎰忎簡銆傚睘浜庨珮鍒╄捶锛屾渶鍚庤佸伩杩樼殑鍒╂伅寰堥珮锛屾墍浠ュ嵆浣夸綘缂洪挶涔熶笉鑳藉湪杩欎釜缃戣捶骞冲彴涓婂熻捶銆

鎷撳睍璧勬枡锛

1銆佸湪浠ヤ笅鐨勪竴浜涘湴鏂硅繘琛岃捶娆炬瘮杈冨畨鍏锛岄栧厛鏄閾惰岋細鏈甯歌佺殑璐锋炬笭閬撳彲浠ュ垎涓哄ぎ琛屻佹斂绛栨ч摱琛屻佸晢涓氶摱琛屻佹姇璧勯摱琛屻佷笘鐣岄摱琛岀瓑锛屽叾涓鍟嗕笟閾惰屽ぇ瀹舵帴瑙︾殑姣旇緝澶氾紝姣斿傚伐鍟嗛摱琛屻佸啘涓氶摱琛屻佷腑鍥介摱琛屼腑鍥藉缓璁鹃摱琛屻佷氦閫氶摱琛屻佹嫑鍟嗛摱琛岀瓑锛屼互鍙婁竴浜涙皯钀ラ摱琛岋紝濡傚井浼楅摱琛屻佺數瀛愬晢鍔￠摱琛岀瓑锛屾瘡涓鍩庡競涔熸湁涓浜涘煄甯傚晢涓氶摱琛岋紝濡傞暱娌欓摱琛屻佷笢鑾為摱琛岋紝鏈瀹夊叏鐨勮捶娆炬笭閬撱

2銆佹秷璐归噾铻嶅叕鍙革細缁忛摱鐩戜細鎵瑰噯璁剧珛鐨勫皬棰濊捶娆惧叕鍙搞備粬浠鐨勫熻捶璧勯噾鏄鑷鏈夎祫閲戯紝涓嶅惛绾崇敤鎴峰瓨娆俱傝繖涓庨摱琛屼笉鍚屻傚畠浠鏄闈為摱琛岄噾铻嶆満鏋勶紝瀹冧滑鐨勮捶娆剧浉瀵规ｈ勫拰瀹夊叏銆備絾鏄鍒╃巼姣旈摱琛岄珮锛屾瘮閾惰屽ソ銆備笅娆℃敮浠橀熷害蹇锛岄棬妲涗綆銆傛ｈ勭殑鎸佺墝鏈烘瀯锛氱幇鍦ㄨ捶娆捐屼笟宸茬粡瑙勮寖寰堝氫簡銆傛偍蹇呴』鎸佹湁鏅閫氳捶娆捐稿彲璇佹墠鑳戒粠浜嬭捶娆句笟鍔°傚洜姝わ紝鍦ㄧ敵璇疯捶娆惧墠锛屼竴瀹氳佷粩缁嗘牳瀵硅嚜宸辨槸鍚﹀叿澶囩浉鍏宠祫璐锛岃繖鏍锋墠鑳戒繚璇佽嚜宸辩殑瀹夊叏銆

3銆侀櫎浜嗕互涓婅寸殑浠ュ栵紝杩樻湁涓浜涘湴鏂瑰彲浠ヨ捶娆撅紝姘戦棿鍊熻捶鍏鍙革細鍙瑕佹槸鍏锋湁钀ヤ笟鎵х収銆佷粠浜嬩俊璐蜂笟鍔＄殑姝ｈ勫叕鍙革紝璐锋炬祦绋嬪拰璐圭敤绗﹀悎鍥藉惰勫畾锛屽潎鍙楁硶寰嬩繚鎶ゃ備笌閾惰屽拰閲戣瀺鏈烘瀯鐩告瘮锛屾皯闂村熻捶鍏鍙哥殑闂ㄦ涘お浣庛備釜浜鸿祫璐ㄤ竴鑸鐨勭敤鎴峰彲浠ョ患鍚堣冭檻銆