Can be converted to a fixed interest rate.

Floating interest rates can be converted to fixed interest rates. For commercial personal housing loans that have been issued, borrowers can choose to convert the loan interest rate pricing method to floating interest rates or fixed interest rates on a voluntary basis.

If the borrower chooses to convert the loan interest rate pricing method to a fixed interest rate, the interest rate level and adjustment rules after the conversion will remain unchanged; if the borrower chooses to convert the loan interest rate pricing method to a floating interest rate, the conversion The subsequent interest rate levels and adjustment rules will be implemented in accordance with the commercial personal housing loan interest rate policy.