1. Select the property that cooperates with the bank.
Some banks cooperate with real estate, and there are specialized loan officers to handle related business. Preferential loan interest rates are usually to attract buyers.
2. Do more loan banking business.
Only by choosing the bank you want to borrow can you get a favorable loan interest rate and let the bank know your financial, credit and economic situation in many ways. You might as well make more use of this bank's deposits, funds, insurance, online banking transactions and so on. It is conducive to improving the contribution to the bank. When there is an opportunity to apply for preferential interest rates, the weight will increase.
3. Deposit a certain amount of money in the bank regularly.
Different banks have different requirements. They will ask borrowers to deposit a certain amount of money, which may vary from half a year to a year. Then finally take it out every once in a while.
4. Buy bank products and become customers.
This is a more direct way, the bank is giving you preferential mortgage interest rates, and the profit margin is getting smaller and smaller. Some banks will want you to buy related financial products to increase their profits.
5. Keep a good credit record.
This can be said to be a very principled requirement. With a good credit record, the system will naturally think that your repayment ability is strong. Therefore, credit cards or loans for high-end goods should be repaid in time.
6. independently increase the down payment ratio.
If you take the initiative to increase the down payment ratio, the bank will think that your repayment ability is very strong, and the preferential mortgage interest rate will give priority to you.
(The above answers were published on 20 18-0 1-29. Please refer to the actual purchase policy. )
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