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.

What does the loan discount rate mean?

Question 1: What does the loan discount mean? That is to say, the interest rate of housing commercial loans is based on the benchmark interest rate stipulated by the People's Bank of China, and preferential treatment is given according to a certain proportion. For example, at present, the benchmark interest rate for loans with a mortgage interest rate of more than five years is 6.60%. If the discount is 15%, the execution interest rate is 5.6 1%.

Generally speaking, you need certain conditions to enjoy preferential mortgage interest rates. Must be the first time to buy a house, the total income of myself or my family is more than twice the monthly repayment amount of the loan, and my or my spouse's personal credit record is bad.

Question 2: What do you mean when you borrow money? As the name implies, discount is to lower the interest rate on the basis of the current national basic interest rate. For example. A 20% discount is the base interest rate of 6. 14%.8=4.9 12%.

Question 3: Will the preferential bank loans last forever? If the bank recognizes your discount and has already made a payment, then no matter how the interest rate rises or falls, it will be discounted on the basis of the current interest rate. For example, if the basic interest rate is 6.3 1% in February and the interest rate is adjusted to 6.56% in July, it will also give you a 20% discount at the current 6.56%. One more thing, how much interest do most banks pay when they borrow money? If the interest is adjusted in that year, it will not affect your health. Generally, it will be adjusted to current interest on June 65438+1 October1. Some small banks will change with the change of bank interest. Therefore, you should consult your bank for any specific information.

Question 4: What does discount on loan interest rate mean? In other words, the interest rate can be discounted. As for the discount, I don't know.

Question 5: What does the discount on CCB loans mean? The current five-year loan interest rate of CCB is 6.55%. If you discount 98%, the interest rate is 6.4 19%. It can save 0. 13%, and if it is 300,000 yuan, it can save 383 yuan every year.

Question 6: What does the loan discount mean? It means that the interest rate of commercial housing loans is discounted according to a certain proportion on the basis of the benchmark interest rate stipulated by the People's Bank of China. For example, at present, the benchmark interest rate for loans with a mortgage interest rate of more than five years is 6.60%. If the discount is 15%, the execution interest rate is 5.6 1%.

Question 7: What does the intermediary mean by bank loan discount? Bank loan discount refers to the downward fluctuation of the loan interest rate for the purpose of promotion or the preferential interest rate for the first suite when using commercial loans. Generally, it will be 5-30% lower than the benchmark interest rate, which is the so-called 95% to 70% interest rate discount ~

Question 8: What does the loan discount amount mean? Sales discount: I sold you a TV set. 1000. There is a piece of paint on the outside of the TV set, which affects the appearance, but the quality is fine. After consultation, I exempt you from 10 yuan. This is called a sales discount.

Accounting confirmation input 1000- 10=990.

Cash discount: I'll sell you a TV set at 1000 for you to pay as soon as possible. I tell you, if you pay within 30 days, you will be exempted from 10 yuan. If it is more than 30 days, it will be paid in full. This 10 yuan is a cash discount.

The income confirmed by accounting is 1000.

That's basically what it means.

Question 9: What do you mean by many bank mortgage discounts? If you are going to apply for a personal housing loan in our bank, the actual loan interest rate you can apply for is comprehensively priced by the handling bank in combination with the business type, personal solvency, credit status, guarantee method and other factors, and can only be determined after approval.

Question 10: What does the discount in the mortgage calculator mean? Some loans will have preferential or floating interest rates.

What does it mean to discount the loan interest rate?

Discounting the loan interest rate means that banks will float down on the basis of the benchmark interest rate when lending, and the interest on loan fees is relatively small at this time. Common loan interest rate discounts are 10% or 15%. However, if you want to get preferential loan interest rates, you generally need to be a high-quality customer of the bank.

20 19 The benchmark interest rate for commercial loans stipulated by the People's Bank of China is 4.35% within one year, 4.75% within one to five years and 4.90% over five years. If the above benchmark interest rates enjoy 10% discount respectively, the loan interest rates at this time are 3.9 15%, 4.275% and 4.4 1% respectively.

After the bank handles the loan, the user can repay the loan in advance with sufficient funds, and then the interest expense can be reduced. However, it is best not to repay the loan in advance more than half of the total time. After that, it is of little significance to repay the loan in advance. At this time, the interest saved is relatively small, because most of the interest has been paid in advance.

When applying for a loan in a bank, you must consult the bank in advance to find out the loan interest rate and loan conditions, and then choose the bank that suits you best. According to the loan type, the loan information will be different, but the repayment ability and good credit information are the most concerned by banks, and only users with strong repayment ability can get loans smoothly.

What do you mean by loan discount?

Question 1: Will the preferential bank loans last forever? If the bank recognizes your discount and has already made a payment, then no matter how the interest rate rises or falls, it will be discounted on the basis of the current interest rate. For example, if the basic interest rate is 6.3 1% in February and the interest rate is adjusted to 6.56% in July, it will also give you a 20% discount at the current 6.56%. One more thing, how much interest do most banks pay when they borrow money? If the interest is adjusted in that year, it will not affect your health. Generally, it will be adjusted to current interest on June 65438+1 October1. Some small banks will change with the change of bank interest. Therefore, you should consult your bank for any specific information.

Question 2: What do you mean when you borrow money? As the name implies, discount is to lower the interest rate on the basis of the current national basic interest rate. For example. A 20% discount is the base interest rate of 6. 14%.8=4.9 12%.

Question 3: What does the discount on CCB loans mean? The current five-year loan interest rate of CCB is 6.55%. If you discount 98%, the interest rate is 6.4 19%. It can save 0. 13%, and if it is 300,000 yuan, it can save 383 yuan every year.

Question 4: What do you mean by a 10% discount on the bank loan interest rate? It means 10% discount on the basis of benchmark interest rate. The benchmark interest rate is 90%

The benchmark interest rate within 6 months is 5.3%.

The benchmark interest rate within 6 months-1 year is 5.8 1%.

The benchmark interest rate for 1 -3 years is 5.85%.

The benchmark interest rate for 3 -5 years is 6.22%.

The benchmark for more than five years is 6.4%

Question 5: What does the loan discount mean? It means that the interest rate of commercial housing loans is discounted according to a certain proportion on the basis of the benchmark interest rate stipulated by the People's Bank of China. For example, at present, the benchmark interest rate for loans with a mortgage interest rate of more than five years is 6.60%. If the discount is 15%, the execution interest rate is 5.6 1%.

Question 6: What does discount on loan interest rate mean? In other words, the interest rate can be discounted. As for the discount, I don't know.

Question 7: What do you mean by many bank mortgage discounts? If you are going to apply for a personal housing loan in our bank, the actual loan interest rate you can apply for is comprehensively priced by the handling bank in combination with the business type, personal solvency, credit status, guarantee method and other factors, and can only be determined after approval.

Question 8: What bank's discount loan interest rate is first set by the state, but at the same time, the policy also says that banks can standardize their own standards in practice, so the final mortgage interest rate is still up to the banks, that is, the loan interest rate and repayment method should be determined by the buyers and banks after consultation, and developers have no right to decide.

However, it doesn't mean that it has nothing to do with developers. Bank loans in different places will have different interest rates according to different customers. Banks do not handle mortgage business for individuals, but only cooperate with major developers. Banks will divide developers into different grades, and developers of different grades will implement different interest rates.

Question 9: What does the intermediary mean by bank loan discount? Bank loan discount refers to the downward fluctuation of the loan interest rate for the purpose of promotion or the preferential interest rate for the first suite when using commercial loans. Generally, it will be 5-30% lower than the benchmark interest rate, which is the so-called 95% to 70% interest rate discount ~

So much for the introduction of loan interest rate discount.