Refinancing loans

Refinancing loans
Refinancing loans or refinancing

Example: The borrower took out a loan.
Took out a loan at a sufficiently high interest rates and a relatively short period of time.
Regularly paid on the loan, when he sees that the interest rates in different banks were lower than in «his» bank.
What makes the borrower?

Of course, he can not «jerk», and how to pay a fee, but may attempt to reduce the interest rate, and to give the use of credit less.

How to do it?
You can come to «own» bank and ask them to lower the interest rate.
What will happen?

Option two:

Or the interest rate will be left unchanged. (Still! Percent — this income of the bank! Who’s income will refuse?)
Or the interest rate will drop. (Miracles happen sometimes!)

Cases where the bank is ready to lower the interest rate and when the bank is not prepared to reduce — take a closer look.

Let’s say the bank is ready to lower interest rates.

You can do this in two ways: