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人行也就是我们说的人民银行，是国家经济调控的银行。我国贷款利率由中国人民银行制定，其他商业银行执行。那么2016年人行贷款利率是多少呢?历年来人行贷款利率又是多少呢?下文将为您介绍。 2016年人行贷款利率 人民币贷款基准利率（单位：%）项目调整前央行基准利率调整后央行基准利率（2015年8月26日）（从2015年10月24日执行）一、短期贷款六个月以内4.64.35六个月至一年（含一年）4.64.35二、中长期贷款一至三年（含三年）54.75三至五年（含五年）54.75五年以上5.154.9三、个人住房公积金贷款五年期以下（含五年）2.752.75五年期以上3.253.25历年来人行贷款利率 调整时间 六个月(含) 一年(含) 一至三年(含) 三至五年(含) 五年以上 1996.5.1 9.72% -- 13.14% 14.94% 15.12% 1996.8.23 9.18% 10.08% 10.98% 11.70% 12.42% 1997.10.23 7.65% 8.64% 9.36% 9.90% 10.53% 1998.3.25 7.02% 7.92% 9.00% 9.72% 10.35% 1998.7.1 6.57% 6.93% 7.11% 7.65% 8.01% 1998.12.7 6.12% 6.39% 6.66% 7.20% 7.56% 1999.6.10 5.58% 5.85% 5.94% 6.03% 6.21% 2002.2.21 5.04% 5.31% 5.49% 5.58% 5.76% 2004.10.29 5.22% 5.58% 5.76% 5.82% 6.12% 2006.4.28 5.40% 5.85% 6.03% 6.12% 6.39% 2006.8.19 5.58% 6.12% 6.30% 6.48% 6.84% 2007.3.18 5.67% 6.39% 6.57% 6.75% 7.11% 2007.5.19 5.85% 6.57% 6.75% 6.93% 7.20% 2007.7.21 6.03% 6.84% 7.02% 7.20% 7.38% 2007.8.22 6.21% 7.02% 7.20% 7.38% 7.56% 2007.9.15 6.48% 7.29% 7.47% 7.65% 7.83% 2007.12.21 6.57% 7.47% 7.56% 7.74% 7.83% 2008.9.16 6.21% 7.20% 7.29% 7.56% 7.74% 2008.10.08 6.12% 6.93% 7.02% 7.29% 7.47% 2008.10.30 6.03% 6.66% 6.75% 7.02% 7.20% 2008.11.27 5.04% 5.58% 5.67% 5.94% 6.12% 2008.12.23 4.86% 5.31% 5.40% 5.76% 5.94% 2010.10.20 5.10% 5.56% 5.60% 5.96% 6.14% 2010.12.26 5.35% 5.81% 5.85% 6.22% 6.40% 2011.02.09 5.60% 6.06% 6.10% 6.45% 6.60% 2011.04.06 5.85% 6.31% 6.40% 6.65% 6.80% 2011.07.07 6.10% 6.56% 6.65% 6.90% 7.05% 2012.06.08 5.85% 6.31% 6.40% 6.65% 6.80% 2012.07.06 5.60% 6.00% 6.15% 6.40% 6.55% 2014.11.22 5.60% 5.60% 6.00% 6.00% 6.15% 2015.03.01 5.35% 5.35% 5.75% 5.75% 5.90% 2015.05.11 5.10% 5.10% 5.50% 5.50% 5.65% 2015.06.28 4.85% 4.85% 5.25% 5.25% 5.40% 2015.08.26 4.60% 4.60% 5.00% 5.00% 5.15% 2015.10.24 4.35% 4.35% 4.75% 4.75% 4.90% |