The property owner (purchaser) and the loan applicant must be the same person and have an ongoing mortgage that cannot enjoy preferential interest rates. Unless the local banks are not connected with each other, another bank can apply for a preferential interest rate. There are also bank regulations that preferential interest rates can be implemented for second-time loan applicants with a down payment of five achievements. Generally speaking, as long as one family member has applied for a loan, even if another family member has applied for a loan, it is still regarded as a second loan and the interest rate is capped.