问到近期贷款利率调整时间的话，大家应该都知道是在上个月的22日，本来大家都决定央行不可能调整利率，结果央行却下调了存贷款利率。
央行历年来调整贷款利率的时间以及利率情况：
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%
本利率表中的利率仅供参考，具体详情请咨询各银行网点柜台。
贷款利率的调整主要是集中在一年以内（含一年）、一至五年（含五年）、五年以上这几个方面，公积金贷款利率也有所下调。
2019-07-30 
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