How to obtain favorable interest rates on mortgages?

To the bank to meet you c "bread and salt, must have good credit history. So glad to borrowers of any banker, for them all the privileges and the most favorable interest rates on loans. Credit bureau in the country appeared not so long ago, but greatly frightened fans delay payments on the loan. Because now the bankers send all information about the borrower to the bureau, which make the data in credit history. Spoiled "dossier" Thus, any "sins" of the borrower become public. Going all wrong. Client contacts the bank for a loan. Bankers ask his permission to a request from the bureau's credit history. "Petitioner" may refuse, but then neither of which the mortgage will not talk. The Bank met with the "dossier", looks, what credits the client before taking on any amount as a return. And if it is discovered that the borrower negligent attitude toward debt repayment, the bank will not give any credit to, or agree to borrow at very high interest rates. An ideal borrower is entirely different prospect is waiting for customers with excellent credit history. The Bank sees that he is dealing with a respectable man. And if so, then why not, mortgage risks in the interest rate on your mortgage. Therefore, the ideal borrower receives a loan at a lower interest rate. There are a group of citizens who have no credit history. Then, each bank decides in its sole discretion. May be asked to bring a paid utility bills for the year to have an idea about discipline client. Or asked to give guarantees.