1. Apply for mortgage loan. In all kinds of loan methods, it is not difficult to find that the amount of credit loans is much lower than that of housing mortgage loans. It can be seen that lending institutions prefer loan applicants who can provide collateral. For lending institutions, collateral can reduce their own risks. And the value of the house is relatively high in many collateral.
2. Pay attention to the preferential interest rate activities launched by banks. At present, it is the end of the year, and the bank's loan quota is relatively tight. At this time, it is difficult to get preferential loan interest rates from banks. However, when banks are lending, the chances of applicants getting preferential loan interest rates from banks will increase.
3. Qualification of the loan applicant. Although banks require loan applicants to have stable jobs and incomes, different applicants may be engaged in different industries and have different jobs. Many banks will offer certain interest rate concessions to civil servants or bank employees and employees of Fortune 500 companies.
1. Personal certificates of deposit cannot be automatically transferred. Personal certificates of deposit issued by China Bank have the function of transferring interest only for products that pay interest due, not for products that pay interest on a monthly basis issued in the previous period. Personal deposit certificate products are available on a first-come-first-served basis until they are sold out. For specific product information, please visit China Bank official website.
2. RMB personal deposit preferential interest rate products can be automatically transferred when they expire. If you choose to apply for automatic deposit at maturity, the interest on the automatically deposited funds will be calculated and paid according to the listed interest rate of RMB lump-sum time savings deposit of Bank of China on the deposit date, instead of the interest rate on the value date of the first deposit of the product; If you choose not to transfer the deposit automatically, the interest will be calculated and paid according to the listed interest rate of China Bank's demand deposit on the withdrawal date for overdue time savings deposits beyond the original deposit period. RMB personal deposit preferential interest rate products can be fully or partially withdrawn in advance (only one partial withdrawal can be made within a deposit period), but the remaining amount after partial withdrawal shall not be lower than the minimum deposit amount. All or part of the funds withdrawn in advance shall bear interest according to the deposit interest rate published by Bank of China on the date of withdrawal. Some products are only sold in some areas, and the quota is limited until they are sold out.
3. After the signing of BOC Zhihui deposit products, the bank provides automatic transfer service for current account and notice deposit account. For current accounts, please set the current reserve amount reasonably according to the needs of fund use; When the current available balance of the current account is insufficient due to related withdrawal transactions, if the fund gap does not exceed the call deposit balance, Bank of China will automatically settle the call deposit of BOC Zhihui to meet the payment demand; If you need to use the call deposit in BOC Zhihui deposit, you must withdraw it in full, not in part. Please refer to the product agreement for details.
4. Structured deposits are different from ordinary deposits and have investment risks. You should fully understand the investment risks and invest carefully. Structured deposits issue product expiration announcements every week, including product linked target, price level on value date, observation level, actual yield on maturity date and monthly product bill. Please visit the Bank of China in official website. Details are subject to sales documents such as product specifications.