If the transfer has been completed, it can only be carried out at the original interest rate.
If you haven't transferred the ownership and just approved the loan, the suggestions are as follows, because your mortgage loan has been handled to this point, and it is basically repaid at the contract interest rate signed at that time.
Of course, there is another way to find the bank account manager and ask him to stop paying the next payment, decompress the property and re-apply for a mortgage, that is, re-run the whole process.
Of course, this situation depends on whether the owner, broker and bank account manager agree, so it is best to pay the loan at the original interest rate. If you think it is necessary to toss, you need to negotiate with the three parties and agree to reapply for the mortgage loan in the whole process!
In short, in this case, you should consult the account manager more to see if there is any possibility of adjustment!
You can consider applying to the bank for another year and a half. When I bought a house, the interest rate was not discounted. Two years later, I applied for a 20% discount.
Look at your contract. If the interest rate is fixed, the floating rate will change with the change of the benchmark interest rate.
Generally speaking, there is no way to enjoy lower interest rates. The bank mortgage interest rate shall be implemented according to the interest rate at the time of approval. For example, the interest rate at the time of approval was 5%, but then the bank lowered the interest rate to 4.95% according to market conditions, so you can only lend at the interest rate of 5%.
Extended topic: how does the central bank adjust the deposit and loan interest rate and the personal stock housing loan interest rate?
When the central bank adjusts the deposit and loan interest rate, the housing public loan interest rate will also be adjusted accordingly. If the benchmark loan interest rate falls, the housing loan interest rate will also fall, but they are not synchronized. Generally, in the second year of interest rate adjustment, for example, on April 15, 2065438, banks began to adjust interest rates on June 15, 2020 for so-called unified management. There is a difference between the two.
Personal opinion, for reference.