1, provide proof of assets

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 a good customer of a bank. 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.

Step 4 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 in investigating credit information. 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.

How does China Construction Bank apply for preferential loan interest rate? These methods may be effective.

You go to the bank to apply for a loan, and the bank will make a comprehensive evaluation according to the borrower's personal qualifications. After evaluation, the better the borrower's personal qualifications, the lower the loan interest rate that can be applied for, and vice versa. A friend asked, how does CCB apply for preferential loan interest rates? These methods may work!

How does China Construction Bank apply for preferential loan interest rate?

1. Submit asset certificate.

For banks, every loan means risk. The richer the borrower's assets, the smaller the overdue risk. Borrowers can submit some asset certificates to China Construction Bank, such as houses, watches, certificates of deposit recognized by banks, etc., to prove their asset strength.

In order to retain high-quality customers, banks will be willing to give certain discounts on loan interest rates. If the borrower does not have a lot of assets in his name, he can also find ways to increase his salary or provide his own work unit. Ordinary civil servants, teachers and bank executives can also get certain loan interest rate concessions.

2. Seize the opportunity to apply for a loan.

In order to achieve KPI, banks sometimes offer some preferential activities for loan products, and even have a certain release period. As long as borrowers seize this opportunity to apply for loans, they can also get lower loan interest rates. In addition, borrowers with more deposits can also apply for certain interest rate concessions.

3. Buy the bank's own products

Borrowers can also choose to buy some of the bank's own products, on the one hand, increase their economic records in the bank, on the other hand, they can have more business dealings with the bank. After becoming a VIP customer of the bank, you can also get preferential loan interest rates.

The above is the related content sharing of "How China Construction Bank applies for preferential loan interest rate", hoping to help everyone!

How to apply for mortgage interest relief?

Loans to buy a house, many people are commercial loans, and the interest rate is determined by the lending bank. The bank stipulates that the interest rate of individual housing loan is based on the loan market interest rate LPR of the last month as the pricing benchmark and the quotation, that is, the interest rate level = the added value of LPR of the last month, but there is room for coordination in the final loan interest rate.

If you plan to buy a house with a loan, look at the latest LPR interest rate in the market. The first suite has the lowest interest rate. With the increase in the number of loans to buy houses, interest rates will rise accordingly. Moreover, the bank determines the final loan interest rate according to the lender's loan qualification, which is conducive to reducing the loan interest rate. Those who have already borrowed money to buy a house cannot apply for lowering the mortgage interest rate. If the interest rate is floating, the bank will adjust its mortgage interest rate within the repricing period selected by the lender.

1 The interest rate of the first individual housing loan shall not be lower than the LPR in the same period.

The interest rate of two sets of personal housing loans shall not be lower than LPR plus basis points in the same period.

3 The interest rate policy of provident fund personal housing loan will not be adjusted for the time being.

4 If the loan has been made, it can only wait until the re-pricing cycle, and the bank will make changes according to the latest LPR adjustment.

If you want to borrow money to buy a house, you should consider the low interest rate. First of all, you should apply when the market LPR quotation is low. Second, you should improve your loan qualification and choose a bank that is more closely related to you. If the final interest rate is high, it is recommended to choose floating interest rate.

How to apply to the bank to reduce the loan interest rate

Users who want to apply to the bank to reduce the loan interest rate should do the following:

First, improve the comprehensive credit qualification conditions.

When a user applies for a loan, the bank will review the user's comprehensive credit qualification. The better the comprehensive credit qualification, the lower the loan interest rate given by the bank. Therefore, if you want to apply to the bank to reduce the loan interest rate, a good personal credit qualification is essential. The following methods can help users improve their comprehensive credit qualifications:

1, keep good credit.

Users need to keep a good credit record for a long time, and there can be no bad credit record and illegal record in the credit report. When bad credit records are added to the credit report, users must pay off overdue debts in time, so that overdue records will be deleted as soon as possible. Users can effectively improve their comprehensive credit score by accumulating a large number of good credit records.

2. Reduce the debt ratio

When the user's debt ratio is too high, the bank will think that the user has a greater loans overdue risk, thus reducing the comprehensive credit score given to the user. Users can pay off some debts in advance, control the personal debt ratio below 50%, and reduce the debt ratio if they have the ability. The lower the debt ratio, the higher the comprehensive credit score users can get.

3. Improve repayment ability

When auditing users, banks will focus on the repayment ability of users, because the higher the repayment ability, the smaller the overdue risk. Users can improve their repayment ability by increasing their monthly income and providing other financial certificates (such as real estate license, automobile title certificate, time deposit, high insurance policy, etc.). The higher the bank's recognition of users' repayment ability, the lower the loan interest rate will be.

4. Apply for the appropriate loan amount and term.

When users apply for bank loans, the appropriate loan amount and the appropriate loan period are very important. The higher the loan amount and the longer the loan term, the higher the bank's requirements for users. Users apply for a lower loan amount and a shorter loan period. In this case, generally qualified users are likely to get lower loan interest rates.

5. Apply for mortgage loan from the bank and provide collateral.

Users can apply for mortgage loans directly, and mortgage loans usually need to provide collateral that meets the mortgage requirements. With collateral, after loans overdue, banks can recover their debts by disposing of collateral. Therefore, with the collateral, the risk that the bank card will not recover the arrears will be much reduced, so that the mortgage loan can get a lower loan interest rate.

6. Choose whether to apply for a loan at the beginning of the month or at the beginning of the year.

How to apply for mortgage interest rate concessions

Nowadays, many people will choose to apply for loans from banks, and when applying for loans, it will involve the question of what the loan interest rate is. According to different loan methods and loan time, as well as the qualifications of different lenders, interest rates are also different. How do many people apply for a higher discount rate?

First, how to apply for mortgage interest rate concessions

1. First of all, I need to apply, fill in the application form, and prepare the house purchase contract and my ID card.

Next, you need to submit an application to the local real estate trading center. The real estate center must be audited first, and then the bank will set an audit standard. If it passes, it will sign a contract with you and the interest rate will give you a certain discount.

Second, how to get higher mortgage interest rate concessions

1. When buyers apply for mortgages, banks pay more attention to personal credit information. If the personal credit problem is better, the bank's preferential strength is still relatively large. When we borrow money, we usually have to pay it back in time. For people with good credit records, the bank will give 8.8% discount when buying a house in 1.

2. If you have repayment ability, you need to issue relevant certificates to the bank, such as providing your own running bill to prove that your work is relatively stable, so that the bank will know your repayment ability and increase its credibility. When you apply for a loan, you will naturally be given a certain discount.

3. Some people will buy wealth management products in the bank. For such customers, if they want to borrow money to buy a house in the future, the bank will also welcome them and consider giving you a certain preferential interest rate.

4. The same principle as article 3, if you choose to deposit money in the same bank, the bank will also consider giving you a certain interest rate discount when you apply for a mortgage in the future.

When we apply for a loan, how much money we borrowed will also affect the interest rate. Generally speaking, if you can meet the relevant standards of the bank, your qualifications are no problem, the interest rate will not be particularly high, and you can enjoy better discounts.

The above content is about how to operate if you want to apply for preferential interest rates on mortgage loans, and how we can get higher discounts. Always pay attention to your credit history.

How to deal with the downward adjustment of mortgage interest rate?

After the mortgage interest rate is lowered, the bank automatically adjusts the lender's loan interest rate according to the lender's loan contract, and recalculates the monthly repayment amount for the lender without the lender's handling.

The mortgage interest rate is adjusted only once a year. The annual interest rate adjustment of the provident fund is 1+0. The adjustment of commercial loan interest rate is generally the adjustment of the first repayment month according to the loan contract.

Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the notarization of real estate mortgage registration according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.

housing loans

Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. entrusted loan

Entrusted loans for individual housing refer to loans issued by banks to individuals who purchase ordinary housing according to regulations, and the source of funds is housing provident fund deposits. Also known as provident fund loans.

Self-operated loan

Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan.

Consortium lending

Personal housing portfolio loan refers to a loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.

Mortgage repayment methods: average capital, equal principal and interest, biweekly payment, etc.

Loan amount: 80% of the value of the loanable property after being audited by the bank.

Mortgage down payment: 30% down payment for the first home mortgage loan and 50% down payment for the second home mortgage loan.

Loan life: 30 years for first-hand houses and 20 years for second-hand houses. At the same time, the loan period plus the applicant's age must not exceed 70 years old.

Loan interest rate: the benchmark interest rate of the first home loan for more than five years is 6.55%, and the interest rate of the second home loan is 7.26% when the benchmark interest rate rises 1. 1 times.

way

There are three ways of housing loans, namely, bank commercial loans, provident fund loans and portfolio loans.

Guarantee fee

In order to avoid mortgage risks, general banks need borrowers to provide guarantee certificates from legal persons, other economic organizations or natural persons with sufficient compensation capacity. If you can find friends or relatives who are willing to provide guarantees and have financial strength, you can issue written documents and credit certificates for the bank. If not, you need to go to a professional guarantee company to provide guarantee. The fee paid at this time is the mortgage guarantee fee.

Application material

1. The borrower's valid ID card and household registration book;

2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Real estate title certificate;

6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)