For stock mortgages signed before 2020, the value-added after interest rate conversion cannot be discussed with banks. The value-added amount is calculated according to the corresponding term LPR interest rate of 20 19 12.20, and the bank cannot change the value-added amount after conversion.
As for the newly signed mortgage contract, there is still room for discussion on its added value. The central bank stipulated the lower limit of the first commercial housing loan, namely the second suite, and some provinces and cities also raised the lower limit on this basis. However, banks still have certain independent pricing power for added value.
Therefore, users can strive for relatively favorable interest rates from banks by providing financial certificates. Generally speaking, the better the user's qualification, the easier it is to enjoy preferential interest rates.