1. Increase the down payment ratio: it can provide a higher down payment and reduce the loan amount, thus reducing interest expenses and loan interest rates.
2. Compare the interest rates of different lending institutions: The loan interest rates and conditions of different banks or financial institutions may be different. Be sure to carefully compare the interest rates and loan conditions of various institutions and choose the one that is most beneficial to you.
3. Flexible loan term selection: the loan term is long, which can be selected as 5 years, 10 years, 15 years, 20 years, etc. Choosing the right time limit can be decided according to your repayment ability and personal situation.