Extract different rates associated with one ID - sql

Question

I have a single loan database with a user_id, loan_id, interest_rate, loan_date and other stuff that isn't relevant here.
How would I extract all the user_id's for those who took out at least two loans, and had the later ones at better interest rates.
select member_id, Annual_interest_rate, count(*)
from (select member_id, Annual_interest_rate, count(*)
from loan_book
group by member_id
having count(*)>1)
group by member_id, Annual_interest_rate
It shows the stuff from the subquery but with count 1 instead of count 2
Does the subquery destroy the necessary info? is there a way to write it as one query?
sample table
user loan air date
0001 2345 2.6 09/03
0002 1346 2.6 03/05
0003 1118 3.7 05/03
0002 6756 1.2 05/08
0003 1286 3.2 01/10
0001 2222 3.0 09/11
the result would be:
user loan air date
0002 6756 2.6 05/08
0003 1286 3.2 01/10
as those were the two loans that had better interest rates than their predecessors. If there are more than two then the ones that were better than one of their predeccessors should show

Answer 1

Here is a query that might work or at least the approach might help with some ideas.
SELECT LB2.*
FROM loan_book LB1 INNER JOIN loan_book LB2
ON LB1.user_id = LB2.user_id
AND LB1.loan_id != LB2.loan_id
AND LB1.loan_date < LB2.loan_date
AND LB1.interest_rate > LB2.interest_rate
You join the table with itself so each user will have two loans in each row and then you can do the necessary comparisons and groupings from the result. Hope this helps.