総合 / 信用金庫 — 日本の貸出約定平均金利

Name: 総合 / 信用金庫 — 日本の貸出約定平均金利
Creator: 日本銀行「時系列統計データ検索サイト」

2026年8月の日本の貸出約定平均金利 — 総合 / 信用金庫は1.85%（年率）でした（日本銀行「時系列統計データ検索サイト」）. この指標は統計表「貸出約定平均金利」に含まれています。1976年3月から2026年8月までの全期間の系列を収録しています. 全期間の系列をインタラクティブなグラフ付きで無料ダウンロードできます。

出典：日本銀行「時系列統計データ検索サイト」最終更新： 2026年10月08日 02:13 UTC編集 Bui Thanh Phuc

グラフのデータを読み込み中…

統計表「貸出約定平均金利」でのこの指標

指標	08-2026	07-2026	06-2026	05-2026	04-2026	03-2026	02-2026	01-2026	12-2025	11-2025
(2)ストック
総合 / 信用金庫	1.85	1.83	1.81	1.77	1.75	1.72	1.68	1.66	1.66	1.65
短期 / 国内銀行	1.52	1.49	1.43	1.35	1.28	1.21	1.12	1.05	1.02	0.96

総合 / 信用金庫の年別データ

年	平均	±	最高	最低	T1	T2	T3	T4	T5	T6	T7	T8	T9	T10	T11	T12
2026	1.76	+0.16 pp	1.85	1.66	1.66+0.16 pp	1.68+0.18 pp	1.72+0.2 pp	1.75+0.19 pp	1.77+0.19 pp	1.81+0.19 pp	1.83+0.19 pp	1.85+0.21 pp	·	·	·	·
2025	1.6	+0.17 pp	1.66	1.5	1.5+0.08 pp	1.5+0.09 pp	1.53+0.11 pp	1.56+0.14 pp	1.58+0.16 pp	1.63+0.21 pp	1.64+0.22 pp	1.64+0.22 pp	1.65+0.21 pp	1.65+0.2 pp	1.65+0.19 pp	1.66+0.17 pp
2024	1.43	+0.01 pp	1.49	1.41	1.42−0 pp	1.41−0.01 pp	1.41−0.01 pp	1.42−0 pp	1.42+0 pp	1.42+0 pp	1.42+0.01 pp	1.42+0.01 pp	1.43+0.02 pp	1.45+0.03 pp	1.46+0.05 pp	1.49+0.07 pp
2023	1.42	−0 pp	1.42	1.42	1.42−0.01 pp	1.42−0.01 pp	1.42−0.01 pp	1.42−0.01 pp	1.42−0 pp	1.42−0 pp	1.42−0 pp	1.42−0 pp	1.42−0 pp	1.42−0 pp	1.42−0 pp	1.42−0 pp
2022	1.42	−0.02 pp	1.43	1.42	1.43−0.03 pp	1.43−0.03 pp	1.42−0.02 pp	1.42−0.02 pp	1.42−0.02 pp	1.42−0.02 pp	1.42−0.02 pp	1.42−0.02 pp	1.42−0.01 pp	1.42−0.01 pp	1.42−0.01 pp	1.42−0.01 pp
2021	1.44	−0.05 pp	1.46	1.43	1.46−0.07 pp	1.45−0.07 pp	1.45−0.06 pp	1.44−0.06 pp	1.44−0.06 pp	1.44−0.05 pp	1.44−0.05 pp	1.44−0.04 pp	1.43−0.04 pp	1.43−0.03 pp	1.43−0.03 pp	1.43−0.03 pp
2020	1.49	−0.06 pp	1.53	1.46	1.53−0.04 pp	1.52−0.04 pp	1.51−0.04 pp	1.51−0.05 pp	1.5−0.05 pp	1.49−0.06 pp	1.48−0.06 pp	1.47−0.07 pp	1.47−0.07 pp	1.47−0.07 pp	1.46−0.07 pp	1.46−0.07 pp
2019	1.55	−0.04 pp	1.57	1.53	1.57−0.05 pp	1.57−0.05 pp	1.56−0.05 pp	1.55−0.05 pp	1.55−0.05 pp	1.55−0.04 pp	1.55−0.04 pp	1.54−0.04 pp	1.54−0.04 pp	1.54−0.04 pp	1.53−0.04 pp	1.53−0.04 pp
2018	1.59	−0.05 pp	1.62	1.57	1.62−0.07 pp	1.61−0.06 pp	1.6−0.06 pp	1.6−0.06 pp	1.6−0.05 pp	1.59−0.05 pp	1.59−0.05 pp	1.59−0.05 pp	1.58−0.05 pp	1.58−0.05 pp	1.58−0.05 pp	1.57−0.05 pp
2017	1.65	−0.1 pp	1.68	1.62	1.68−0.13 pp	1.68−0.13 pp	1.66−0.12 pp	1.66−0.11 pp	1.65−0.11 pp	1.65−0.1 pp	1.64−0.09 pp	1.64−0.09 pp	1.63−0.08 pp	1.63−0.08 pp	1.63−0.07 pp	1.62−0.07 pp
2016	1.74	−0.12 pp	1.81	1.69	1.81−0.1 pp	1.8−0.1 pp	1.78−0.1 pp	1.77−0.11 pp	1.76−0.11 pp	1.74−0.12 pp	1.73−0.12 pp	1.72−0.12 pp	1.71−0.13 pp	1.71−0.13 pp	1.7−0.13 pp	1.69−0.13 pp
2015	1.86	−0.11 pp	1.91	1.81	1.91−0.1 pp	1.9−0.11 pp	1.88−0.11 pp	1.88−0.11 pp	1.87−0.1 pp	1.86−0.11 pp	1.85−0.11 pp	1.85−0.11 pp	1.84−0.11 pp	1.83−0.1 pp	1.83−0.1 pp	1.81−0.1 pp
2014	1.96	−0.1 pp	2.02	1.92	2.02−0.11 pp	2.01−0.1 pp	1.99−0.1 pp	1.98−0.1 pp	1.98−0.1 pp	1.97−0.1 pp	1.96−0.1 pp	1.95−0.1 pp	1.94−0.1 pp	1.94−0.1 pp	1.93−0.1 pp	1.92−0.1 pp
2013	2.07	−0.11 pp	2.12	2.02	2.12−0.1 pp	2.11−0.11 pp	2.09−0.11 pp	2.08−0.11 pp	2.08−0.11 pp	2.07−0.11 pp	2.06−0.11 pp	2.06−0.11 pp	2.05−0.11 pp	2.04−0.11 pp	2.03−0.11 pp	2.02−0.11 pp
2012	2.18	−0.1 pp	2.23	2.13	2.23−0.1 pp	2.22−0.1 pp	2.2−0.1 pp	2.2−0.1 pp	2.19−0.11 pp	2.18−0.11 pp	2.17−0.1 pp	2.16−0.1 pp	2.15−0.1 pp	2.15−0.1 pp	2.14−0.1 pp	2.13−0.11 pp
2011	2.28	−0.1 pp	2.33	2.23	2.33−0.1 pp	2.32−0.1 pp	2.3−0.11 pp	2.3−0.1 pp	2.3−0.1 pp	2.29−0.1 pp	2.28−0.1 pp	2.27−0.1 pp	2.26−0.1 pp	2.25−0.1 pp	2.25−0.1 pp	2.23−0.1 pp
2010	2.38	−0.12 pp	2.43	2.33	2.43−0.16 pp	2.42−0.15 pp	2.41−0.13 pp	2.4−0.12 pp	2.4−0.12 pp	2.38−0.11 pp	2.38−0.11 pp	2.37−0.11 pp	2.36−0.11 pp	2.35−0.11 pp	2.35−0.11 pp	2.33−0.11 pp
2009	2.5	−0.14 pp	2.59	2.44	2.59−0.07 pp	2.57−0.09 pp	2.53−0.1 pp	2.53−0.11 pp	2.52−0.12 pp	2.49−0.15 pp	2.48−0.16 pp	2.48−0.16 pp	2.47−0.16 pp	2.46−0.17 pp	2.46−0.17 pp	2.44−0.17 pp
2008	2.64	−0 pp	2.66	2.61	2.66+0.07 pp	2.66+0.06 pp	2.64+0.05 pp	2.64+0.03 pp	2.64+0 pp	2.64−0.01 pp	2.64−0.02 pp	2.64−0.03 pp	2.63−0.04 pp	2.63−0.03 pp	2.63−0.04 pp	2.61−0.05 pp
2007	2.64	+0.1 pp	2.67	2.59	2.6+0.07 pp	2.6+0.08 pp	2.59+0.08 pp	2.61+0.1 pp	2.64+0.11 pp	2.65+0.12 pp	2.66+0.13 pp	2.67+0.13 pp	2.67+0.12 pp	2.66+0.1 pp	2.67+0.09 pp	2.66+0.07 pp
2006	2.54	−0.03 pp	2.59	2.5	2.52−0.1 pp	2.52−0.09 pp	2.5−0.09 pp	2.51−0.08 pp	2.53−0.06 pp	2.53−0.04 pp	2.53−0.03 pp	2.54−0.02 pp	2.55+0 pp	2.57+0.02 pp	2.58+0.03 pp	2.59+0.06 pp
2005	2.57	−0.09 pp	2.62	2.53	2.62−0.07 pp	2.61−0.08 pp	2.59−0.08 pp	2.59−0.08 pp	2.58−0.09 pp	2.57−0.1 pp	2.56−0.1 pp	2.56−0.1 pp	2.55−0.1 pp	2.54−0.1 pp	2.54−0.1 pp	2.53−0.09 pp
2004	2.66	−0.03 pp	2.69	2.62	2.69−0.03 pp	2.69−0.03 pp	2.67−0.03 pp	2.67−0.03 pp	2.68−0.02 pp	2.67−0.02 pp	2.67−0.02 pp	2.66−0.02 pp	2.65−0.04 pp	2.64−0.05 pp	2.64−0.05 pp	2.62−0.07 pp
2003	2.7	−0.09 pp	2.73	2.68	2.73−0.07 pp	2.72−0.09 pp	2.7−0.09 pp	2.7−0.1 pp	2.7−0.11 pp	2.69−0.12 pp	2.68−0.12 pp	2.68−0.11 pp	2.68−0.1 pp	2.69−0.08 pp	2.69−0.07 pp	2.69−0.04 pp
2002	2.79	−0.1 pp	2.81	2.73	2.8−0.18 pp	2.81−0.16 pp	2.8−0.15 pp	2.81−0.13 pp	2.81−0.11 pp	2.81−0.07 pp	2.8−0.06 pp	2.8−0.05 pp	2.78−0.06 pp	2.77−0.06 pp	2.76−0.07 pp	2.73−0.07 pp
2001	2.89	−0.1 pp	2.98	2.79	2.98−0.05 pp	2.97−0.05 pp	2.95−0.05 pp	2.93−0.06 pp	2.92−0.07 pp	2.88−0.1 pp	2.86−0.11 pp	2.85−0.12 pp	2.84−0.13 pp	2.83−0.15 pp	2.83−0.16 pp	2.79−0.18 pp
2000	2.99	−0.11 pp	3.03	2.97	3.03−0.12 pp	3.03−0.15 pp	2.99−0.16 pp	2.99−0.15 pp	2.99−0.12 pp	2.98−0.1 pp	2.97−0.1 pp	2.97−0.11 pp	2.97−0.11 pp	2.99−0.09 pp	2.98−0.08 pp	2.98−0.05 pp
1999	3.1	−0.16 pp	3.17	3.03	3.15−0.17 pp	3.17−0.15 pp	3.15−0.14 pp	3.13−0.16 pp	3.11−0.17 pp	3.08−0.19 pp	3.07−0.19 pp	3.08−0.17 pp	3.08−0.16 pp	3.07−0.14 pp	3.06−0.13 pp	3.03−0.11 pp
1998	3.25	−0.22 pp	3.32	3.14	3.32−0.28 pp	3.32−0.26 pp	3.29−0.24 pp	3.29−0.23 pp	3.28−0.23 pp	3.27−0.24 pp	3.25−0.23 pp	3.25−0.2 pp	3.24−0.19 pp	3.22−0.19 pp	3.19−0.18 pp	3.14−0.18 pp
1997	3.48	−0.33 pp	3.6	3.32	3.6−0.34 pp	3.58−0.33 pp	3.53−0.33 pp	3.52−0.33 pp	3.51−0.34 pp	3.51−0.33 pp	3.48−0.33 pp	3.45−0.33 pp	3.43−0.33 pp	3.4−0.32 pp	3.37−0.3 pp	3.32−0.29 pp
1996	3.8	−0.87 pp	3.94	3.62	3.94−1.17 pp	3.9−1.19 pp	3.86−1.18 pp	3.85−1.15 pp	3.85−1.04 pp	3.84−0.96 pp	3.81−0.85 pp	3.78−0.74 pp	3.75−0.67 pp	3.72−0.59 pp	3.68−0.53 pp	3.62−0.4 pp
1995	4.67	−0.58 pp	5.11	4.01	5.11−0.34 pp	5.09−0.3 pp	5.05−0.29 pp	5.01−0.32 pp	4.89−0.43 pp	4.8−0.48 pp	4.66−0.58 pp	4.53−0.7 pp	4.42−0.71 pp	4.31−0.82 pp	4.21−0.91 pp	4.01−1.08 pp
1994	5.25	−0.73 pp	5.44	5.1	5.44−0.9 pp	5.38−0.91 pp	5.34−0.84 pp	5.32−0.77 pp	5.31−0.73 pp	5.28−0.72 pp	5.24−0.72 pp	5.22−0.72 pp	5.13−0.76 pp	5.13−0.69 pp	5.12−0.6 pp	5.1−0.44 pp
1993	5.98	−0.9 pp	6.35	5.54	6.35−1.12 pp	6.29−1.03 pp	6.18−1 pp	6.09−1 pp	6.04−0.94 pp	6−0.88 pp	5.97−0.84 pp	5.94−0.81 pp	5.89−0.75 pp	5.82−0.75 pp	5.72−0.79 pp	5.54−0.84 pp
1992	6.88	−1.01 pp	7.46	6.38	7.46−0.47 pp	7.32−0.63 pp	7.18−0.78 pp	7.09−0.86 pp	6.98−0.97 pp	6.88−1.07 pp	6.81−1.15 pp	6.76−1.2 pp	6.64−1.29 pp	6.57−1.27 pp	6.5−1.26 pp	6.38−1.19 pp
1991	7.89	+0.86 pp	7.96	7.57	7.93+1.74 pp	7.95+1.61 pp	7.96+1.46 pp	7.95+1.26 pp	7.95+1.07 pp	7.95+0.95 pp	7.96+0.87 pp	7.96+0.78 pp	7.93+0.58 pp	7.84+0.24 pp	7.76+0.04 pp	7.57−0.32 pp
1990	7.03	+1.12 pp	7.89	6.2	6.2+0.29 pp	6.34+0.45 pp	6.5+0.63 pp	6.68+0.82 pp	6.88+1.02 pp	7+1.14 pp	7.09+1.22 pp	7.18+1.28 pp	7.35+1.44 pp	7.6+1.65 pp	7.72+1.72 pp	7.89+1.82 pp
1989	5.91	−0.11 pp	6.07	5.85	5.9−0.23 pp	5.89−0.23 pp	5.87−0.21 pp	5.86−0.21 pp	5.86−0.2 pp	5.85−0.17 pp	5.87−0.12 pp	5.9−0.08 pp	5.91−0.04 pp	5.95−0 pp	6+0.06 pp	6.07+0.17 pp
1988	6.02	−0.42 pp	6.13	5.9	6.13−0.71 pp	6.12−0.66 pp	6.08−0.6 pp	6.07−0.53 pp	6.06−0.47 pp	6.03−0.41 pp	5.99−0.35 pp	5.98−0.3 pp	5.96−0.27 pp	5.95−0.25 pp	5.94−0.24 pp	5.9−0.24 pp
1987	6.43	−0.76 pp	6.84	6.14	6.84−0.63 pp	6.78−0.68 pp	6.68−0.73 pp	6.61−0.77 pp	6.53−0.78 pp	6.43−0.8 pp	6.34−0.81 pp	6.28−0.81 pp	6.22−0.82 pp	6.2−0.8 pp	6.18−0.78 pp	6.14−0.73 pp
1986	7.2	−0.38 pp	7.47	6.87	7.47−0.2 pp	7.45−0.2 pp	7.41−0.21 pp	7.37−0.25 pp	7.31−0.31 pp	7.23−0.36 pp	7.15−0.43 pp	7.09−0.47 pp	7.04−0.5 pp	7.01−0.52 pp	6.96−0.55 pp	6.87−0.6 pp
1985	7.58	−0.22 pp	7.67	7.47	7.67−0.28 pp	7.65−0.26 pp	7.62−0.25 pp	7.63−0.23 pp	7.62−0.22 pp	7.59−0.22 pp	7.58−0.2 pp	7.56−0.2 pp	7.54−0.19 pp	7.53−0.21 pp	7.51−0.21 pp	7.47−0.2 pp
1984	7.8	−0.3 pp	7.95	7.67	7.95−0.27 pp	7.91−0.29 pp	7.87−0.3 pp	7.86−0.31 pp	7.84−0.31 pp	7.81−0.31 pp	7.79−0.31 pp	7.77−0.32 pp	7.74−0.32 pp	7.73−0.31 pp	7.72−0.3 pp	7.67−0.29 pp
1983	8.11	−0.31 pp	8.22	7.96	8.22−0.43 pp	8.21−0.39 pp	8.17−0.36 pp	8.17−0.34 pp	8.15−0.31 pp	8.13−0.29 pp	8.1−0.28 pp	8.08−0.26 pp	8.06−0.25 pp	8.05−0.25 pp	8.01−0.25 pp	7.96−0.27 pp
1982	8.42	−0.46 pp	8.65	8.23	8.65−0.41 pp	8.6−0.44 pp	8.53−0.48 pp	8.5−0.48 pp	8.46−0.48 pp	8.42−0.47 pp	8.38−0.46 pp	8.35−0.46 pp	8.31−0.46 pp	8.29−0.45 pp	8.27−0.45 pp	8.23−0.45 pp
1981	8.87	+0.05 pp	9.06	8.68	9.06	9.04	9.02+0.99 pp	8.98+0.68 pp	8.94+0.32 pp	8.89+0.04 pp	8.84−0.14 pp	8.8−0.25 pp	8.77−0.32 pp	8.75−0.36 pp	8.72−0.38 pp	8.68−0.41 pp
1980	8.82	+1.33 pp	9.11	8.02	·	·	8.02+0.64 pp	8.3	8.62	8.84+1.49 pp	8.98	9.05	9.09+1.6 pp	9.11	9.1	9.09+1.34 pp
1979	7.49	−0.41 pp	7.75	7.35	·	·	7.38−0.93 pp	·	·	7.35−0.66 pp	·	·	7.49−0.26 pp	·	·	7.75+0.22 pp
1978	7.9	−0.96 pp	8.31	7.53	·	·	8.31−0.85 pp	·	·	8.01−0.99 pp	·	·	7.75−1.02 pp	·	·	7.53−0.97 pp
1977	8.86	−0.49 pp	9.16	8.49	·	·	9.16−0.34 pp	·	·	9−0.38 pp	·	·	8.77−0.53 pp	·	·	8.49−0.72 pp
1976	9.35	·	9.5	9.21	·	·	9.5	·	·	9.39	·	·	9.3	·	·	9.21

51年分のデータ（単位：%（年率））。平均列は年内各期の平均値、±は前年との比較です。各セルの下の小さな数字は前年比の変化（パーセントポイント）です。全期間の系列はページ上部のグラフ、または貸出約定平均金利の統計表でご覧いただけます。