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淮安邮储银行贷款利率 -银行贷款
释义
法律分析:
银行贷款的利率都是在中国人民银行贷款的基准利率上浮动执行的,银行一般会根据当地政策和借款人的资信情况进行浮动。中国人民银行的贷款基准利率是:
一、公积金贷款:一到五年内贷款的利率是2.75%2、五年以上贷款的利率是3.25%。
二、商业贷款:一年以内贷款的利率是4.35%2、一到五年内贷款的利率是4.75%3、五年以上贷款的利率是4.90%。
法律依据:
《中华人民共和国商业银行法》 第三十八条 商业银行应当按照中国人民银行规定的贷款利率的上下限,确定贷款利率。
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