First of all, I can tell you clearly that people's interest in stock mortgage loans will not be reduced because of the recent decline in LPR. Now there are two kinds of mortgage, one is the mortgage applied before 65438+2020 10. For friends who have already applied for a mortgage before June 5438 +2020 10, some people may keep the fixed interest rate model. For those who maintain the fixed interest rate model, no matter what the current LPR is or what the future LPR is, it has nothing to do with everyone. Everyone's mortgage interest rate will always be fixed. Until the mortgage is fully paid off, the mortgage interest rate of these people who maintain a fixed interest rate will basically reach more than 4.9%. Another way is that many people changed the fixed interest rate model to LPR interest rate model at 202 1. Although the interest rate is not that high, it is definitely much higher than the current interest rate. As for how high it is, the key depends on the difference between the time when people apply for a mortgage and the LPR of 65438+February 2020. The bigger the difference, the bigger the interest rate.

The other situation is people who apply for a mortgage after 2020 10. At that time, these people added a basis point on the basis of LPR, but at that time, because of the tight mortgage, many people's actual mortgage interest rate was relatively high, and most people added more than 50 basis points on the basis of LPR. For these people, they basically re-priced at the beginning of this year, but at the beginning of this year, the LPR was 4.6%. If we add another 50 basis points, the real mortgage interest rate of most people will reach more than 5%, which is still much higher than the current 4. 1%. Seeing that the current mortgage interest rate is so low, but it has nothing to do with themselves, many people are inevitably envious, so many people are thinking, is there any way to reduce the existing mortgage interest rate to the current level?

There are two methods for reference. One way is to apply for a business loan or a consumer loan. At present, the overall interest rate of bank loans is relatively low. If the remaining loan period is not high, for example, the term is within 10 years, you can try to apply for a commercial loan or a consumer loan. At present, the mortgage interest rate of many banks is only about 4.5%. If everyone's mortgage interest rate exceeds 4.5%, or even reaches more than 5%, it is more cost-effective to convert it into a commercial loan or a consumer loan. Of course, this premise is that we must find some intermediaries to redeem the house, that is, pay off the original mortgage, and then take the house to the bank to apply for commercial loans or consumer loans.

However, if the repayment period of your mortgage exceeds 65,438+00 years, then I don't recommend you to do so, because there is not much advantage in cost. The key is that after a long time, you can never predict what will happen to the bank interest rate in the future, and its potential risks are also relatively large. Another way is to sell the house to relatives and friends and re-apply for a mortgage. If you don't want to change the ownership of the house, there is no way to directly reduce the mortgage interest rate. Unless you sell your house to your relatives and friends and then reapply for a mortgage in their name, you may enjoy the current low interest rate.

But whether you can find relatives and friends to help you apply for a mortgage is one thing, and more importantly, whether they meet the application conditions of the bank is another matter. Although the current mortgage application conditions are relatively relaxed, it does not mean that anyone can apply to the bank. Banks have strict requirements on applicants' credit, bank flow, work and housing qualifications. In short, if everyone's mortgage interest rate is relatively high and the remaining term is relatively long, you can try the two methods mentioned above to reduce the mortgage interest rate. But if the gap between the actual mortgage interest rate and the current mortgage interest rate is not very big, then I suggest you not to operate casually.