个人在申请贷款时比较关注的问题之一就包括各大银行的贷款利率，因为贷款利率越低的话，所要付给银行的利息也就会越低，这对自己来说负担也会稍微小一点。
贷款利率是指借款期限内利息数额与本金额的比例。我国的利率由中国人民银行统一管理。银行贷款利率参照中国人民银行制定的基准利率，实际合同利率可在基准利率基础上上下一定范围内浮动。
1997年至今的银行贷款利率历次调整
中国人民银行人民币存贷款基准利率历次调整一览表
日期 6个月(含)1年(含)1至3年(含)3至5年(含)5年以上
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%
2002.2.21优惠利率 -- 4.77% 4.77% 4.77% 5.04%
2004.10.29 5.22% 5.58% 5.76% 5.82% 6.12%
2004.10.29优惠利率 -- 4.95% 4.95% 4.95% 5.31%
2006.4.28 5.40% 5.85% 6.03% 6.12% 6.39%
2006.4.28优惠利率 4.59% 4.97% 5.13% 5.20% 5.43%
2006.8.19 5.58% 6.12% 6.30% 6.48% 6.84%
2006.8.19优惠利率 4.74% 5.20% 5.36% 5.51% 5.81%
2007.3.18 5.67% 6.39% 6.57% 6.75% 7.11%
2007.3.18优惠利率 4.81% 5.43% 5.58% 5.73% 6.04%
2007.5.19 5.85% 6.57% 6.75% 6.93% 7.20%
2007.5.19优惠利率 4.97% 5.58% 5.74% 5.89% 6.12%
2007.7.21 6.03% 6.84% 7.02% 7.20% 7.38%
2007.7.21优惠利率 5.13% 5.81% 5.97% 6.12% 6.27%
2007.8.22 6.21% 7.02% 7.20% 7.38% 7.56%
2007.8.22优惠利率 5.28% 5.97% 6.12% 6.27% 6.43%
2007.9.15 6.48% 7.29% 7.47% 7.65% 7.83%
2007.9.15优惠利率 5.51% 6.20% 6.35% 6.50% 6.66%
2007.12.21 6.57% 7.47% 7.56% 7.74% 7.83%
2007.12.21优惠利率 5.58% 6.35% 6.43% 6.58% 6.66%
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基准利率 5.04% 5.58% 5.67% 5.94% 6.12%
按揭利率（下浮15％） 4.28% 4.74% 4.82% 5.05% 5.20%
按揭利率（下浮30％） 3.528% 4.156% 3.969% 4.179% 4.284%
2008.12.23基准利率 4.86% 5.31% 5.40% 5.76% 5.94%
按揭利率（下浮30％） 3.402% 3.717% 3.78% 4.032% 4.158%
2010.10.20基准利率 5.10% 5.56% 5.60% 5.96% 6.14%
2010.12.26基准利率 5.35% 5.81% 5.85% 6.22% 6.40%
2011.02.09基准利率 5.60% 6.06% 6.10% 6.45% 6.60%
2011.04.06基准利率 5.85% 6.31% 6.40% 6.65% 6.80%
2011.07.07基准利率 6.10% 6.56% 6.65% 6.90% 7.05%
2012.6.8基准利率 5.85% 6.31% 6.40% 6.65% 6.80%
2012.7.6基准利率5.60%6.00%6.15%6.40%6.55%
银行利率的调整多少都会对社会不同行业造成一定的影响，对借款人本身自然也会有影响，所要关注银行对利率的调整变化动态是我们日常生活中应该重视的一个问题。
2019-07-30 
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