There is basically no negotiation on new house mortgage loan, and there is no provision for interest rate discount, which is not feasible. For example, the interest rate for the first home purchase can be 10% off. As long as the credit information meets the requirements, you can enjoy this discount when you buy a house for the first time. In addition, if you are a high-quality customer of a bank (VIP, etc. ), you can enjoy special discounts.