First, choose the right loan bank. Generally speaking, different banks have different loan requirements and different loan interest rates. If the borrower wants to get a lower loan interest rate, he might as well compare the loan interest rates of several banks and then choose the appropriate loan bank to apply for a loan.

Secondly, choose the right loan products. It is understood that different loan products have different loan terms, loan quotas and loan interest rates. , the specific situation needs to be subject to the relevant regulations of the bank.

Finally, choose the appropriate repayment method. There are two common repayment methods: equal principal and interest and average principal. Although there is only one word difference between them, they are different in nature. Matching principal and interest means that the borrower has the same monthly repayment amount, which is usually suitable for borrowers with stable income and long-term planning of funds, while the average capital reduces the loan interest with the borrower's loan term, so the prepayment amount is large, which is suitable for borrowers with high and stable income.