Property development and mortgages account for less than 20% of loan book exposure, which points to less of a downturn threat.

FORBES: Concerns Over China Slowdown "Overdone"

Losses over the past year ran at 40-50 basis points of their loan books for the large banks, a rate that is minuscule for even the most buoyant economy.

ECONOMIST: China's banks

You also could offer to throw in items they might want, such as patio furniture or a big-screen TV, or to pay points on the loan or take on some of their closing costs.

WSJ: Pressured to Cut the Price--WSJ House Talk