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[av_heading heading=’如何获得较低的房屋贷款利率?’ tag=’h1′ style=’blockquote modern-quote modern-centered’ subheading_active=’subheading_below’ show_icon=” icon=’ue800′ font=” size=’6vw’ av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” subheading_size=’20’ av-medium-font-size=” av-small-font-size=” av-mini-font-size=” icon_size=” av-medium-font-size-1=” av-small-font-size-1=” av-mini-font-size-1=” color=’custom-color-heading’ custom_font=’#000000′ icon_color=” margin=’0′ margin_sync=’true’ padding=’0′ icon_padding=’10’ link=’manually,http://’ link_target=” id=” custom_class=” template_class=” av_uid=’av-kmln54fb’ sc_version=’1.0′ admin_preview_bg=’rgb(34, 34, 34)’][/av_heading]

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[av_heading heading=’导语’ tag=’h1′ style=” subheading_active=” show_icon=” icon=’ue800′ font=” size=” av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” subheading_size=’15’ av-medium-font-size=” av-small-font-size=” av-mini-font-size=” icon_size=” av-medium-font-size-1=” av-small-font-size-1=” av-mini-font-size-1=” color=” custom_font=” icon_color=” margin=” margin_sync=’true’ padding=’10’ icon_padding=’10’ link=’manually,http://’ link_target=” id=” custom_class=” template_class=” av_uid=’av-kmln5dr6′ sc_version=’1.0′ admin_preview_bg=”][/av_heading]

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在当前的经济形势下,低利率不仅是红利,而且是人们所期望的。

幸运的是,如果您与贷款经纪人联系,您将能获得最新的贷款资讯和最大的优惠,这意味着您将获得最佳住房贷款利率。

那么实际上您该如何去获得最佳利率呢?

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[av_heading heading=’要求更好的利率’ tag=’h1′ style=” subheading_active=” show_icon=” icon=’ue800′ font=” size=” av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” subheading_size=’15’ av-medium-font-size=” av-small-font-size=” av-mini-font-size=” icon_size=” av-medium-font-size-1=” av-small-font-size-1=” av-mini-font-size-1=” color=” custom_font=” icon_color=” margin=” margin_sync=’true’ padding=’10’ icon_padding=’10’ link=’manually,http://’ link_target=” id=” custom_class=” template_class=” av_uid=’av-kmln5qct’ sc_version=’1.0′ admin_preview_bg=”][/av_heading]

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这就跟听起来的一样简单,如果您觉得自己可以得到一个更好的利率,那么您可以要求一个较低的利率。

如果您的贷款在一个贷款机构已经很长时间了,并且在按时还款方面拥有良好的记录,那么他们是不会愿意失去您这样的客户的。

这就给予您更强的议价能力。

在许多情况下,贷款机构会在一段时间内通过低利率来激励新的借款人向他们借贷。您的贷款经纪人是有可能可以帮助您向贷款机构申请获得与新借款人同样的贷款利率。

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[av_heading heading=’成为银行喜欢的借款人’ tag=’h1′ style=” subheading_active=” show_icon=” icon=’ue800′ font=” size=” av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” subheading_size=’15’ av-medium-font-size=” av-small-font-size=” av-mini-font-size=” icon_size=” av-medium-font-size-1=” av-small-font-size-1=” av-mini-font-size-1=” color=” custom_font=” icon_color=” margin=” margin_sync=’true’ padding=’10’ icon_padding=’10’ link=’manually,http://’ link_target=” id=” custom_class=” template_class=” av_uid=’av-kmln690a’ sc_version=’1.0′ admin_preview_bg=”][/av_heading]

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如果您想获得更低的利率甚至是再融资,首先需要成为银行乐意提供贷款的人。

有许多因素可以使您的贷款申请比其他借款人更具吸引力。

这可能包括仅要求较低的贷款价值比(LVR)-这意味着您的贷款对贷款机构而言风险更低。

有稳定的工作。如果您从事同一项工作多年并且一直是永久职位,那么银行将非常乐意向您提供贷款。

贷款机构会评估您还贷的风险,因此稳定的工作对他们来说是一个关键指标。

您还需要具有良好的信用记录。拥有良好的还款记录对于获得最佳利率至关重要,因为信用记录上的任何瑕疵都会严重影响您的贷款申请,更不用说您的议价能力了。

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[av_heading heading=’转贷款’ tag=’h1′ style=” subheading_active=” show_icon=” icon=’ue800′ font=” size=” av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” subheading_size=’15’ av-medium-font-size=” av-small-font-size=” av-mini-font-size=” icon_size=” av-medium-font-size-1=” av-small-font-size-1=” av-mini-font-size-1=” color=” custom_font=” icon_color=” margin=” margin_sync=’true’ padding=’10’ icon_padding=’10’ link=’manually,http://’ link_target=” id=” custom_class=” template_class=” av_uid=’av-kmln6ntq’ sc_version=’1.0′ admin_preview_bg=”][/av_heading]

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现实情况下,对于大多数借款人来说,再融资是一种切实可行的选择。如果您的银行不准备给予您优惠的利率,那么值得寻找其他贷款机构。

如果您是银行喜欢的借款人,并且已经要求降低利率,那么您应该认真考虑一下自己的选择。

您的贷款经纪人将永远是您的第一联系人,他们将能够快速轻松地评估您的选择,并为您提供正确的贷款类型和最佳的利率。

坚持同一家贷款机构30年的日子已经一去不复返了,重要的是所有借款人都在不断寻找他们能找到的最好的贷款产品-尤其是在利率方面。

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免责声明:本文所涉及的事实信息仅供参考,信息不能用于购买投资相关产品及服务、金融产品或替代专业会计、税务、法律或其他专业咨询者提供的咨询意见。在作出决定或采取行动前,您应咨询海嘉会计师事务所专业金融或税务服务人士。尽管我们尽力保证信息来源可靠性以及编译的准确性,但海嘉会计师事务所不对任何信息出现差错或遗漏,以及因使用该信息而获得的结果承担法律责任。

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