1, from commercial loans to provident fund loans

At present, many cities have carried out the business of "business to public". If you can successfully convert your commercial loans into provident fund loans, the loan cost will be greatly reduced, and the monthly repayment pressure will also be reduced, because the current interest rate for commercial loans over five years is 5. 15%, while the interest rate for provident fund loans over five years is 3.25%.

2. Change the interest rate adjustment method

If you choose to implement the loan interest rate by "fixed interest rate" when raising interest rates, you can negotiate with the bank at this time to see if it can be changed to "floating interest rate".