Oil tankers and container ships are easier to get loans, while fishing boats (except ocean-going) are generally unable to get loans. As far as I know, there is no discount. The loan process is the same as that of ordinary corporate loans. However, if a new ship applies for a loan at the construction stage, it needs a tripartite agreement between the bank, the shipyard and the shipowner. There is little difference in the loan ratio between new and second-hand ships, but if it is used for mortgage, the mortgage rate can be several times different. And different ship types are different.