When facing financial constraints, many people will choose loans to solve this problem, but loans are not that easy. How to get preferential loan interest rates is very critical. of. So how can you pay less interest when buying a house and get a low-interest loan from a bank? Get these skills quickly!

Skill 1: Using provident fund loans

Comparing the provident fund and commercial loan interest rates, when the loan is both for 5 years, the provident fund interest rate is 3.25%, which is 1.0% lower than that of commercial loans. 65%. Compared with other forms of loans, provident funds save more money. If the provident fund cannot meet the loan needs and you choose a combination loan, you must also adhere to the principle that provident fund loans are infinitely large and commercial loans are infinitely small.

Skill 2: Maintain a good credit record

Whether a personal credit record is good is the most basic condition for obtaining preferential interest rates, and it is also one of the important assessment criteria for becoming a high-quality bank customer. For example, Guangfa Bank branch stipulates that customers with good credit records can enjoy a minimum 15% discount when purchasing their first home.

This year the State Council listed several untrustworthy behaviors that affect credit reporting, including tax evasion and tax evasion. You should pay more attention to your personal credit reporting.

Skill 3: Choose the bank with the lowest mortgage interest rate

The lower the interest rate offered by the bank means you can pay less interest. Generally, real estate projects have corresponding cooperative banks. Many home buyers will follow the arrangements of real estate consultants and submit information to the affiliated bank to apply for a loan. However, the interest rate of the bank may not be the lowest, so comparison is the prerequisite for saving money.

Skill 4: Prove one’s repayment ability

The repayment ability mentioned here not only refers to the borrower’s high and stable income, but also includes other assets that can be used as collateral . For example, Industrial Bank Beijing Branch stipulates that high-quality customers who meet the requirements can enjoy a minimum discount of 25% off after special approval. The criteria for high-quality customers here include comprehensive repayment capabilities such as credit information and home assets.

In addition, people such as civil servants, doctors, lawyers, teachers, and Fortune 500 employees are also classified as high-quality customers by banks, and these people have greater advantages in obtaining low interest rates.

If your career, income and other conditions are pretty good, and you can provide additional asset collateral, then you will have the capital to bargain with the bank.

Skill 5: Deposit a certain proportion of money in the lending bank

Some banks will require borrowers to deposit a certain proportion of money in the bank account, usually based on the loan amount. A certain percentage is calculated, and different banks have different requirements. For example, the Tianjin Branch of Industrial Bank stipulates that high-quality customers with high contribution to the bank can enjoy a minimum 15% discount interest rate on their first home. The high contribution here includes depositing a certain proportion of funds in the lending bank.

Skill 6: Upgrade to bank VIP users

For bank VIP customers, it is easier to get a green light for loans. For example, the Rural Commercial Bank of a certain city (such as Beijing) stipulates that high-quality VIP customers The first house enjoys a minimum interest rate discount of 15% off. So, how to become a VIP user of the bank?

Generally, the credit card limit represents your repayment ability. If a customer applies for a large credit card at a bank, he or she will usually be upgraded to a VIP customer of the bank.

In addition, if you usually use credit cards for consumption, and the consumption amount exceeds one-third of the limit, you can apply for an increase in your credit limit. Only those with annual credit card consumption of more than 50,000 yuan may be recognized as high-quality customers. If you develop good card usage habits, you can become a high-quality customer in just a matter of minutes.

Skill 7: It is easier to obtain high interest rate discounts for high-amount loans

Many foreign banks attach great importance to the customer’s loan amount. If the customer’s loan amount meets certain conditions and the qualifications are good, they will You will receive a discounted interest rate. Generally speaking, the higher the loan amount, the greater the discount. Of course, this skill is only suitable for home buyers who have relatively good financial ability and require so many loans for the house itself.