First, keep a good credit record.
This condition is the minimum standard for obtaining preferential interest rates from banks. Only with good credit can we get preferential interest rates from banks. Therefore, everyone should maintain a good credit record at ordinary times, and there should be no overdue behavior.
Second, provide more repayment certificates that are beneficial to you.
When applying for a mortgage, in addition to providing personal income certificates, try to provide some other favorable certificates, such as the applicant's other assets, bank deposits, etc.
Third, buy bank wealth management products.
If the bank offers you preferential interest rates, the profit margin will be reduced, so if you can buy bank wealth management products, it will undoubtedly help you get preferential interest rates from the bank.
Four, there is a certain deposit in the loan bank.
Some banks require the applicant to have a certain deposit in the bank account, which is generally a certain proportion of the total loan. In addition, customers will be required to save enough time, such as half a year or a year, and only in this way can they get preferential bank interest rates.
5. Get a large credit card and become a VIP customer
In order to promote their credit cards, some banks will upgrade large credit card users to VIP customers. For such customers, it is easy for banks to give preferential interest rates.
6. The higher the loan amount, the greater the preferential strength.
Many foreign banks attach great importance to customers' loan quotas. If the customer's loan amount meets certain conditions and the qualification is good, he will get a preferential interest rate. And the higher the loan amount, the greater the preferential strength.
Seven, looking for real estate cooperative bank loans.
Generally speaking, banks will give certain preferential interest rates to cooperative properties, and property buyers can consult relevant issues with property staff.
With the continuous tightening of mortgage policy, more and more banks have cancelled preferential interest rates, and some banks have even raised mortgage interest rates, but some banks still offer preferential interest rates. It can relieve the pressure of house slaves, so why not?
(The above answers were published on 20 17-07-28. Please refer to the actual situation for the current purchase policy. )
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