After the skyrocketing housing prices in some cities in the first half of the year, the bank credit policy has also undergone subtle changes. In order to control risks, some banks have adjusted the threshold for obtaining preferential interest rates, and they must meet certain conditions to enjoy low interest rates when applying for mortgages.

So how can we pay less interest on buying a house and get a low-interest loan from the bank? The guide to buying a house gives you a few tips, and I believe you can get it in minutes.

Tip 1: Use provident fund loans.

Comparing the interest rates of provident fund and commercial loans, the interest rate of provident fund is 3.25%, which is lower than that of commercial loans 1.65%. Compared with other forms of loans, provident fund is more economical. If the provident fund can't meet the loan demand, we should also adhere to the principle of "endless provident fund loans and endless commercial loans" when choosing portfolio loans.

Tip 2: Keep a good credit record.

Personal credit record is the most basic condition for obtaining preferential interest rate, and it is also one of the important assessment criteria for becoming a high-quality customer of a bank. As stipulated by China Guangfa Bank Beijing Branch, customers with good credit records can enjoy a minimum discount of 15% when purchasing the first suite. This year, the State Council listed several dishonest behaviors that affect credit reporting, including tax evasion, so you should pay more attention to your personal credit reporting.

Tip 3: Choose the bank with the lowest mortgage interest rate.

The lower the interest rate offered by the bank means that you can pay less interest. General real estate has corresponding cooperative banks. Many property buyers will listen to the arrangement of property consultants and submit information to their banks for loans, but it is possible that the interest rate of banks is not the lowest, so comparison is the premise of saving money.

Tip 4: Prove your repayment ability.

The repayment ability mentioned here not only refers to the borrower's high and stable income, but also includes other assets that can be used as collateral. As stipulated by Industrial Bank Beijing Branch, qualified high-quality customers can enjoy a minimum discount of 15% after special approval. The criteria for defining high-quality customers here include comprehensive repayment ability such as credit reporting and family assets.

In addition, civil servants, doctors, lawyers, teachers, employees of Fortune 500 companies and other people are also listed as high-quality customers by banks, and such people have great advantages in obtaining low interest rates.

If your occupation, income and other conditions are not bad, and you can provide additional asset collateral, then you have the capital to bargain with the bank.

Tip 5: deposit a certain percentage of money in the loan bank.

Some banks will require borrowers to deposit a certain percentage of money in their accounts, which is generally calculated according to a certain percentage of the loan amount. Different banks have different requirements. As stipulated by Tianjin Branch of Industrial Bank, the first suite of high-quality customers who have made great contributions to the bank can enjoy a minimum preferential interest rate of 15%. The high contribution here includes depositing a certain percentage of funds in the loan bank.

Tip 6: Upgrade to a bank VIP user.

For VIP customers of banks, it is easier to give the green light when lending money. As stipulated by Beijing Rural Commercial Bank, high-quality VIP customers can enjoy a minimum interest rate discount of 15% for the first suite. So, how to become a VIP user of the bank?

Generally speaking, the credit card limit represents your repayment ability. If a customer has a large credit card in the bank, it will generally be upgraded to a VIP customer of the bank. In addition, credit cards are usually used for consumption. If the consumption exceeds one-third of the limit, you can apply to increase the credit limit. Credit cards can only be recognized as quality customers if they spend more than 50 thousand yuan a year. It's only a matter of minutes to develop a good card habit and upgrade to a quality customer.

Tip 7: it is easier to get high interest rate discounts with high loans.

Many foreign banks attach great importance to customers' loan quotas. If the customer's loan amount meets certain conditions and the qualification is good, they will get preferential interest rates. Generally speaking, the higher the loan amount, the greater the discount.

For example, HSBC Beijing Branch stipulates that the second-hand housing loan is more than 2 million, and the lowest interest rate is 8.2%; According to the regulations of Citibank Beijing Branch, the loan amount is more than 6 million yuan, and the lowest interest rate is 8.6%. The loan amount is 6 million to 2 million yuan, and the lowest interest rate is 8.8%.

Of course, this technique is only applicable to those property buyers who have better financial ability and need to borrow so much money from the house itself.

(The above answers were published on 20 16-08-02. Please refer to the actual situation for the current purchase policy. )

When buying a new house, go to Sohu Focus.