一、目前yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">银行daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款利率是多少
yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">银行daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款的利率：
目前人民币daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款基准利率为六个月以内(含6个月)daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款年利率4.35%;六个月至一年(含1年)daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款年利率4.35%;一至三年(含3年)daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款年利率4.75%;三至五年(含5年)daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款年利率4.75%;五年以上daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款年利率4.90%。各银行根据实际情况进行一定幅度的调整。
法律依据：
《个人daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款暂行办法》第十一条
个人daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款申请应具备以下条件：
(一)借款人为具有完全民事行为能力的中华人民共和国公民或符合国家有关规定的境外自然人;
(二)daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款用途明确合法;
(三)daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款申请数额、期限和币种合理;
(四)借款人具备还款意愿和还款能力;
(五)借款人信用状况良好，无重大不良信用记录;
(六)daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款人要求的其他条件。
二、yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">银行daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款流程有哪些?
1、申请daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款
需要daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款人到主办银行或者其他银行的经办机构直接提出申请。在申请过程中，daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款人填写《借款申请书》并提供daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款人和保证人的基本情况以及按照银行要求要出示的相关证件，比如：身份证、房产证、学历证等。然后，银行根据daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款人的申请对daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款人的信用等级评估。其中参考的因素有：经济实力、资金结构、个人在银行的信用记录等。评估之后，银行还要对daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款人进行初步daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款调查，核实抵押物、保证人情况，测定daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款的风险度。
2、等待daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款审批
等到银行通知daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款人审批合格后，需要与daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款人签订daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">合同，在签订的daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">合同时，daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款人需要填写约定借款种类，借款用途、金额、利率，借款期限，还款方式，借、贷双方的权利、义务，违约责任和双方认为需要约定的其他事项。最后，daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款人就等着daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款发放就可以了。需要注意的是：daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款人不按hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">合同约定用款的，应偿付违约金。
3、特别注意
daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款下了后，daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款人在daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款归还方面要注意，在短期daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款到期1个星期之前、中长期daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款到期1个月之前，银行会向daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款人发送还本付息的通知单，给daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款人时间筹备资金，按期还本付息。
三、yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">银行daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款逾期几天会起诉？
当事人yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">银行daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款逾期90天以上的就会被起诉了，多次被银行催款不还的，则会被银行提起诉讼，法院会根据情况申请强制执行还会影响自己的信用。跟银行签订daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">合同时一定要约定好还款的时间和还款的方式。
银行向法院起诉处理的，人民法院作出判决后，借款人应当积极履行还款义务，拒不履行的，银行可向法院申请强制执行，法院在此期间会查封、扣押借款人的财产。
一般来说是不会坐牢的。在实践中不还银行借款的时候，银行一般会进行三次的催收，经催收后不清偿债务的，银行就会向法院提起诉讼。但是如果是法院判决后有能力还款而不还款，那法院会强制执行，并追究相应的责任，不排除追究刑事责任的可能。