The loan interest rate in Guangzhou has been adjusted. China Bank, a local bank in Guangzhou, and China Construction Bank cut the mortgage interest rate on the same day. The latest interest rate in Guangzhou is 5.4% for the first suite and 5.6% for the second suite. Now the loan is very fast, and it will take about one or two months to lend money if the information is complete.

How to lower the high mortgage interest rate?

1. First, confirm whether the mortgage has been lent. For mortgages that have been lent, except for fixed interest rates, they are all priced at LPR+ basis points. Only by repricing the LPR for one month can the mortgage be reduced, and it is limited to commercial loans. Provident fund loans fluctuate with the benchmark interest rate of the central bank.

2. If the loan interest rate given by the bank before the mortgage loan is too high, there are several ways to reduce the mortgage interest rate: pay more down payment. The general down payment ratio is not less than 30%. On the basis of increasing the down payment ratio and keeping the mortgage unchanged, reduce the loan amount. If the loan amount is less, the risk of the lender will be reduced, the bank's qualification requirements for the lender will not be so strict, and the loan interest rate will be reduced accordingly.

Donate money to the bank. Lenders can deal with banks more frequently before mortgage. By handling large deposit certificates and purchasing wealth management products in banks, on the one hand, you can show your financial resources, on the other hand, you can contribute funds to banks, and you can easily become high-quality customers of banks and help to apply for lower mortgage interest rates.

Improve credit conditions. The easier it is for qualified lenders to get lower mortgage interest rates. For example, some people have poor credit information, although they are not black households, but they need a little money for credit information in the first half of the loan; Some credit reports have outstanding debts, which can be settled before the mortgage as far as possible to improve repayment ability and so on.

Change loan banks. Developers usually cooperate with more than one bank. If the mortgage interest rate given by one bank is too high, they can sign a loan contract with another bank. The mortgage interest rate given by each bank is different, so choose the bank with lower interest rate to handle the mortgage.