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降低筹资成本,节省贷款利息是目前资金需求者的共识,特别是在筹资规模不断增大的情况下,最大限度地降低利息支出问题愈加令人关注。下面分述一些贷款节息技巧。1、选准贷款银行。近年来,各银行为了获取更大的经济利益,争取更多的贷款市场份额,银行之间已经在国家规定贷款利率范围内悄悄拉开了竞争序幕。如有的银行执行国家基准利率,有的则在基准利率基础上实行不同程度的上浮,还有的对不同品种贷款实行不同的利率上浮幅度。针对不同的贷款利率,借款者就应当“货比三家”。比如在质押贷款的发放上,有的银行在执行国家基准利率之上再上浮30%,有的则只执行基准利率,借款者
Reduce the cost of financing, loan interest-saving is the consensus of the current need for funds, especially in the case of increasing funding, the issue of minimizing interest payments to pay even more attention. Here are some loan interest rates tips. 1, select the loan bank. In recent years, in order to obtain greater economic benefits and gain more market share in loans, banks have quietly opened the curtain of competition within the stipulated loan interest rates of the state. If any bank implements the national benchmark interest rate, some will float to varying degrees on the basis of the benchmark interest rate, while others may impose different interest rates on different types of loans. For different lending rates, the borrower should “shop around ”. For example, on the issue of pledged loans, some banks go up 30% above the national benchmark interest rate, while others only carry the benchmark interest rate. Borrowers