Lending can indeed lower the mortgage interest rate. There are two loan methods, one is to convert commercial loans into provident fund loans, and the other is to convert mortgage loans into operating loans. The first risk is very low.

1, commercial loans are converted into provident fund loans.

In fact, borrowers can convert their commercial housing loans into provident fund loans, and their commercial loan interest rates can be converted into provident fund loan interest rates, which can be lowered from the benchmark interest rate of 4.9% to 3.25%.

If it is a housing loan of 6,543,800,000 yuan, if it is divided into 30 years, the borrower can save about 200,000 yuan of loan interest after refinancing according to the method of matching principal and interest.

There are three ways to transfer commercial loans to provident fund: first, the original bank loans are self-financed, the original real estate is mortgaged, and after re-mortgage, the provident fund center lends money to the customer's deposit account; Pay the deposit, use another house of oneself or spouse or their immediate family members as collateral, and the provident fund center can lend money; Find a guarantee company to guarantee yourself, and then transfer the loan.

Choose one of the loan methods at will, and then the borrower needs to submit a loan application to the bank first. Only with the consent of the bank can the borrower handle the subsequent loan procedures.

Provident fund loan procedures are complicated. In order to save the loan approval time and ensure the smooth progress of the loan, the borrower should prepare the loan materials as required before lending. If he is not sure what materials need to be prepared, he can consult the local provident fund management center.

Not everyone can apply for provident fund loans. Only employees who pay the provident fund in full and on time within a certain period of time and whose accounts are still in a normal state are eligible to apply. In addition, there are some differences between provident fund loans and commercial loans in terms of loan amount and term, and borrowers must make clear.

2. Mortgage loans are converted into operating loans.

In fact, this kind of lending method is to let the borrower convert his mortgage into an operating loan with a term of about 5 years through some means. The operating loan interest rate of major banks is very low, usually around 3.8%. In this way, the borrower can also save a lot of interest.

However, the risk of this lending method is very great. The mortgage is 30 years and the operating loan is 5 years. After lending, the monthly repayment amount of the lender will become higher, and the corresponding repayment pressure will also become greater. Secondly, the relevant departments have issued a clear notice that once the lender's loan is found to be misappropriated in the real estate field, the loan will be recovered immediately, the credit line will be reduced, and the corresponding legal responsibilities will be investigated.

Bank loans are mostly earmarked, which involves the real use of funds. For example, when it is converted into a business loan, when the bank asks the user to provide relevant consumption vouchers in the later stage, the user is not really operating, which is likely to lead the bank to recover the funds in advance.