貸款銀行年利率一般多少

① 閾惰岃捶嬈懼埄鐜囨槸澶氬皯

閾惰岃捶嬈炬渶鏂板熀鍑嗗埄鐜囧垎鍒涓猴紝涓騫村唴鍒╃巼涓4.35%錛 4.75% 涓鍒頒簲騫達紱浜斿勾浠ヤ笂璐鋒懼埄鐜囦負4.9%銆傞摱琛岃捶嬈懼勾鍒╃巼浣庯紝浣嗛棬妲涢珮錛屾墍浠ョ幇鍦ㄥ緢澶氫漢浼氬湪緗戣捶騫沖彴涓婃斁璐鳳紝浣嗘槸榪欑嶈捶嬈懼鉤鍙頒竴鑸閮戒細緇欏嚭鏃ュ埄鐜囨垨鏈堝埄鐜囷紝騫村埄鐜囪＄畻鍏寮忥細鏈堝埄鐜嚸12涓鏈=鏃ュ埄鐜嚸360澶╋紙鎸夋瘡騫360澶╄＄畻錛=騫村埄鐜囥

浠ユ棩鍒╃巼0.05%璁＄畻錛屽勾鍖栧埄鐜=0.05%脳360澶=18%銆傝捶嬈10000鍏冿紝騫村埄鐜18%脳10000鍏=1800鍏冦傚煎緱娉ㄦ剰鐨勬槸錛屽ぇ閮ㄥ垎璐鋒懼鉤鍙扮粰鍑虹殑騫村埄鐜囧湪14%-18%涔嬮棿銆傚傛灉緗戣捶騫沖彴璁＄畻鐨勫勾鍖栧埄鐜囦笉鍦ㄨ繖涓鑼冨洿鍐咃紝鐢氳嚦瓚呰繃鍥藉舵硶瀹氱殑24%鎴36%錛屽氨闇瑕佹敞鎰忎簡銆傚睘浜庨珮鍒╄捶錛屾渶鍚庤佸伩榪樼殑鍒╂伅寰堥珮錛屾墍浠ュ嵆浣誇綘緙洪挶涔熶笉鑳藉湪榪欎釜緗戣捶騫沖彴涓婂熻捶銆

鎷撳睍璧勬枡錛

1銆佸湪浠ヤ笅鐨勪竴浜涘湴鏂硅繘琛岃捶嬈炬瘮杈冨畨鍏錛岄栧厛鏄閾惰岋細鏈甯歌佺殑璐鋒炬笭閬撳彲浠ュ垎涓哄ぎ琛屻佹斂絳栨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錛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緩璁鵑摱琛屻佷氦閫氶摱琛屻佹嫑鍟嗛摱琛岀瓑錛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￠摱琛岀瓑錛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嬈炬笭閬撱

2銆佹秷璐歸噾鋙嶅叕鍙革細緇忛摱鐩戜細鎵瑰噯璁劇珛鐨勫皬棰濊捶嬈懼叕鍙搞備粬浠鐨勫熻捶璧勯噾鏄鑷鏈夎祫閲戱紝涓嶅惛綰崇敤鎴峰瓨嬈俱傝繖涓庨摱琛屼笉鍚屻傚畠浠鏄闈為摱琛岄噾鋙嶆満鏋勶紝瀹冧滑鐨勮捶嬈劇浉瀵規ｈ勫拰瀹夊叏銆備絾鏄鍒╃巼姣旈摱琛岄珮錛屾瘮閾惰屽ソ銆備笅嬈℃敮浠橀熷害蹇錛岄棬妲涗綆銆傛ｈ勭殑鎸佺墝鏈烘瀯錛氱幇鍦ㄨ捶嬈捐屼笟宸茬粡瑙勮寖寰堝氫簡銆傛偍蹇呴』鎸佹湁鏅閫氳捶嬈捐稿彲璇佹墠鑳戒粠浜嬭捶嬈句笟鍔°傚洜姝わ紝鍦ㄧ敵璇瘋捶嬈懼墠錛屼竴瀹氳佷粩緇嗘牳瀵硅嚜宸辨槸鍚﹀叿澶囩浉鍏寵祫璐錛岃繖鏍鋒墠鑳戒繚璇佽嚜宸辯殑瀹夊叏銆

3銆侀櫎浜嗕互涓婅寸殑浠ュ栵紝榪樻湁涓浜涘湴鏂瑰彲浠ヨ捶嬈撅紝姘戦棿鍊熻捶鍏鍙革細鍙瑕佹槸鍏鋒湁钀ヤ笟鎵х収銆佷粠浜嬩俊璐蜂笟鍔＄殑姝ｈ勫叕鍙革紝璐鋒炬祦紼嬪拰璐圭敤絎﹀悎鍥藉惰勫畾錛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錛屾皯闂村熻捶鍏鍙哥殑闂ㄦ涘お浣庛備釜浜鴻祫璐ㄤ竴鑸鐨勭敤鎴峰彲浠ョ患鍚堣冭檻銆