2014年最新银行贷款利率表

年利率%

月利率‰等额本息

等额本金

年利率%月利率

‰等额本息等额本金年利率%月利率‰等额本

息等额本金

年利率%月利率‰等额本

息等额本金112 5.1 4.2500856.53875.833 5.4

4.5

857.91878.333 6.00 5.0000860.66883.33 6.300 5.250862.04885.83224 5.2275 4.3563439.73460.229 5.535 4.6125

441.11462.792 6.15 5.1250443.88467.92 6.458 5.381445.27470.48336 5.2275 4.3563300.73321.34 5.535 4.6125302.12323.903 6.15 5.1250304.90329.03 6.458 5.381306.30331.59448 5.44 4.5333232.29253.667

5.76 4.8233.7525

6.333 6.40 5.3333236.69261.67 6.720 5.600238.17264.33560 5.44 4.533333190.73

212

5.76

4.8

192.21214.667 6.40 5.3333195.19220.00 6.720 5.600196.69222.67672 5.5675 4.6396163.69185.285 5.895 4.9125165.23188.014 6.55 5.4583168.34193.47 6.878 5.731169.90196.20784 5.5675 4.6396144.02165.443 5.895 4.9125145.58168.173 6.55 5.4583148.74173.63 6.878 5.731150.33176.36896

5.5675

4.6396129.32150.563

5.895 4.9125130.90153.292

6.55 5.4583134.11158.75 6.878 5.731135.73161.489108 5.5675 4.639611

7.9313

8.988 5.895 4.912511

9.54141.718 6.55 5.4583122.80147.18 6.878 5.731124.44149.9110120 5.5675 4.639583

108.86129.729 5.895 4.9125110.49132.458 6.55 5.4583113.80137.92 6.878 5.731115.48140.6511132 5.5675 4.6396101.48122.153 5.895 4.9125103.14124.883 6.55 5.4583106.50130.34 6.878 5.731108.20133.0712144 5.5675 4.639695.36115.84 5.895 4.912597.04118.569 6.55 5.4583100.45124.03 6.878 5.731102.19126.7613156 5.5675 4.639690.22110.498 5.895 4.912591.92113.228 6.55 5.458395.39118.69 6.878 5.73197.14121.4214168 5.5675 4.639685.84

105.92

5.895 4.9125

87.57108.649 6.55 5.458391.08114.11 6.878 5.73192.87116.8415180 5.5675 4.639583

82.07101.951 5.895 4.912583.82104.681 6.55 5.458387.39110.14 6.878 5.73189.20112.8716192 5.5675 4.639678.7998.4792 5.895 4.912580.57101.208 6.55 5.458384.19106.67 6.878 5.73186.03109.4017204 5.5675 4.639675.9395.4154 5.895 4.912577.7398.1446 6.55 5.458381.40103.60 6.878 5.73183.26106.3318216 5.5675 4.639673.4092.6921 5.895 4.912575.2395.4213 6.55 5.458378.94100.88 6.878 5.73180.84103.6119228 5.5675 4.639671.1790.2555 5.895 4.912573.0192.9846 6.55 5.458376.7898.44 6.878 5.73178.70101.1720240 5.5675 4.639583

69.1788.0625 5.895 4.912571.0490.7917 6.55 5.458374.8596.25 6.878 5.73176.8098.9821252 5.5675 4.639667.3886.0784 5.895 4.912569.2788.8075 6.55 5.458373.1394.27 6.878 5.73175.1097.0022264 5.5675 4.639665.7884.2746 5.895 4.912567.6987.0038 6.55 5.458371.6092.46 6.878 5.73173.5995.1923276 5.5675 4.639664.3282.6277 5.895 4.912566.2685.3569 6.55 5.458370.2190.82 6.878 5.73172.2393.5424288 5.5675 4.639663.0181.1181 5.895 4.912564.9683.8472 6.55 5.458368.9689.31 6.878 5.73171.0192.0325300 5.5675 4.639583

61.8179.7292 5.895 4.912563.7982.4583 6.55 5.458367.8387.92 6.878 5.73169.9090.6526312 5.5675 4.639660.7278.4471 5.895 4.912562.7281.1763 6.55 5.458366.8186.63 6.878 5.73168.9089.3627324 5.5675 4.639659.73

77.26

5.895 4.9125

61.7479.9892 6.55 5.458365.8885.45 6.878 5.73167.9888.1828336 5.5675 4.639658.8176.1577 5.895 4.912560.8578.8869 6.55 5.458365.0284.35 6.878 5.73167.1687.0729348 5.5675

4.6396

57.9775.1315 5.895 4.912560.0377.8606 6.55 5.458364.2583.32 6.878 5.73166.4086.0530

360 5.5675 4.639583

57.2074.1736 5.895 4.9125

59.28

76.9028

6.55

5.4583

63.54

82.36

6.878

5.731

65.71

85.09

2、本表均按人民银行法定基准利率测算。如遇利率调整，请根据人民银行有关规定做相应调整。

人民币贷款利率表

如何选择适合自己的还款方式？

目前最普遍、最常用的还款方式是等额本息还款法和等额本金还款法。

等额本息还款法是指在利率水平不变的情况下，每月的还款本金和利息之和也不变，这种还款方式您比较省心，只要在每月还款日之前存入一定金额，银行便按固定金额扣款。

等额本金还款法是指在利率水平不变的情况下，每月还款本金固定，利息逐月递减，比较适合在还款

初期还款能力较强的客户，如果您希望通过初期多还款以缓解未来还款压力的话，可以选择这种还款方式。随心还”还款法。在合同约定的还款期内，以等额本息法计算的还款金额作为每期最低还款额，在此基础上可随意增加还款额，实现提前还款。

注：1、本表以借款壹万元为例测算，有关数值仅供参考。

年

限期数个人住房贷款一至三十年月均还款金额简表（

执行下浮15%

执行下浮10%基准利率执行上浮5%

简表（自2012年7月6日起执行）