• Interest rate reduction: Every percent you save on your interest rate translates into lower monthly payments and lower overall loan costs.
• Reduction of fees: In addition to the interest rate, various fees associated with the loan can also be negotiated, such as a fee for providing a loan, a fee for early repayment and others.
• More flexible terms: You can try to negotiate a longer repayment period, the possibility of extraordinary installments or other terms that suit you.

• Get information: Before negotiating, carefully find out all available information about the loan you are interested in. Compare offers from different banks and non-banking companies.
• Calculate what you can afford: Determine the maximum monthly payment you can handle.
• Prepare your questions: A list of questions will help you stay on track during the negotiation and not forget anything important.

• Be confident: Performing with confidence will help you get better terms.
• Focus on the benefits for the bank: Explain to the bank why you are an attractive client for it (stable income, long-term cooperation).
• Be prepared to leave: If the bank is not willing to meet your requirements, do not hesitate to leave and try your luck elsewhere.
• Highlight your advantages: If you have any advantages, such as a long-term relationship with the bank, other products with the same bank or other advantages, do not hesitate to highlight them.
• Be patient: Negotiations can take some time. Don't be afraid to insist, but also be willing to compromise.

• Interest rate: The main goal of the negotiation is to reduce the interest rate.
• Fees: You can try to reduce or completely waive some of the fees associated with the loan.
• Repayment period: If you need a longer repayment period, you can try to negotiate it.
• Option of extraordinary installments: If you want to be able to repay the loan early without additional fees, negotiate this option.
• Credit insurance: If the bank offers you credit insurance, you can try to negotiate a discount or refuse this insurance altogether.

The best time to negotiate is when you have several offers from different banks or non-banking companies. This will allow you to compare terms and choose the best option.

Key words: negotiation, credit, bank, non-banking company, interest rate, fees, conditions, contract