What I want to share is my experience in Bank of China Shanghai Branch:
-Called the loan account manager on June 5438+1October 8, 2009, and was told that he could apply to the loan bank with his ID card and the latest loan statement on any working day; You can also wait at home, and a written notice will come to your door within two weeks to tell you about the New Deal and how to handle it. Out of distrust of the bank, I didn't want to wait in line with countless people, so I chose to apply to the bank in person.
-On June 9, 2009, I rushed to the bank with my ID card and the latest loan statement, and filled out an application form for preferential loan interest rate (loan account number, repayment period, application reason and contact phone number are required). The reason is very simple, so I wrote "my first home loan, and now the application interest rate is 30% lower", and there is staff guidance at the scene. Then copy the ID card and bill to the staff, over! Then wait for the SMS notification from the mobile phone. Note that the lender must write it in the loan contract before applying! At the scene, I saw that many family members came to handle the case and were rejected.
However, since banks have different regulations on the enjoyment conditions and specific operation procedures, I suggest you call the bank that gave you the loan.
What if the bank says you don't meet the preferential conditions? Here is a killer!
On June 5438+065438+ 10, 2008, the business personnel of SDB contacted me and suggested that I refinance the mortgage to SDB, which can enjoy a 30% discount on the loan interest rate, deposit-to-loan and biweekly loan. I was quite moved at that time, so I went to Shenzhen Development Bank to get the application form. Later, I gave up because I couldn't repay the loan in advance after two years of refinancing to SDB. . .
Speaking of which, have you guessed? If a banker (especially a small bank) tells you that you can't apply for a 30% discount, threaten him to transfer the mortgage to another bank!
Someone wants to ask, what if the other party doesn't eat threats? Then consider really refinancing!