The bank will ask the borrower to provide proof of income and assets. At this time, everyone should provide stronger proof of property, so that the bank will think that you have strong repayment ability and may give a lower mortgage interest rate.

2. Work unit

Banks will identify teachers, lawyers, doctors and other professions as quality customers. If your occupation belongs to this category, not only the loan is fast, but also the interest rate is low.

3. Bank VIP

Few people can become good customers of banks. Generally speaking, customers who have a lot of assets, invest in wealth management and contribute a lot of profits to banks will naturally be given more favorable interest rates by banks.

Change banks

In the same area, different banks often give different mortgage interest rates. If you can find a bank with a relatively low mortgage interest rate as a loan bank, it is equivalent to enjoying a lower mortgage interest rate. But I suggest you consider it comprehensively and don't just choose this bank with the lowest interest rate.

5. Good credit information

Mortgage is very strict with credit investigation. If your credit information is good, it means that you will have more credit wealth, and banks will also give more favorable mortgage interest rates when providing mortgages.