Although many believe that they should comply with what the bank offers them without putting any but, you should know that this is not so. You must remember that the bank is not giving you the money, but that it is a loan for which you will pay the corresponding interest, that is why you have every right to seek the best conditions for your mortgage.
So, if we want to negotiate the mortgage loan, what can we take into account?
One of the most important points is that the more informed you are, the better you will be. You cannot go without knowing where you stand or what your ability to pay is (if you do not know it, you can discover it here). It is ideal that you know all that information about your finances, so that you can speak clearly with the advisor about how much you can pay.
Second, remind the bank that it is a good customer. If you have had loans or have cards and are up to date on everything, it is a point in favor, as the advisor will see your history and the bank will want to have you as a full-time client.
As a third tip, you can move your salary, savings or card account
Since the more products you have in the same bank, the better conditions you are granted, that is, you can access preferential rates. Mind you, this should be done when you have found the institution that charges you less and gives you the best conditions, because if not, it would make no sense to go to that bank.
Finally, make comparisons of the different offers of the banks, so that in case the bank does not want to reduce anything in interest, you can play the card of a “second offer” by another institution. If that institution is not willing to give in, you can always go to another one on your list to see if you can get better conditions.