1. Collateral value: The rental income right mortgage loan needs collateral as a guarantee, so the higher the collateral value, the lower the loan interest rate.
2. The borrower's credit rating: The borrower's credit rating usually affects the loan interest rate. The higher the credit rating, the lower the loan interest rate, because banks will think that such borrowers are less risky.
3. Market interest rate: Market interest rate refers to the benchmark interest rate of banks or the average interest rate of similar products. Banks usually set loan interest rates according to market interest rates.