This floating interest rate means that the loan given to you by the bank is a normal loan, which is proportional, that is, the interest rate for your loan to buy a house may be 5.9 points. Provident fund loans may be lower, but that is a matter of another system, with an average of 5.5 points. 1' s house should be this promise. This promise is fixed, that is, how much money you borrow is 5.5 cents, and then you choose this floating interest rate for the next period of time. How much you repay the loan interest depends on the change of market interest rate.
Because the interest rate level in the market has risen and fallen, it is precisely because of this fluctuation that it is possible to say that he will adjust his menstruation several times in the past six months. If the loan interest rate goes up, you may end up paying more loan interest. If the loan interest rate falls, you may pay less. Therefore, it is really uncertain whether this change is a good thing or a bad thing for ordinary mortgage borrowers. It depends on how the market situation changes, but many people suggest choosing this floating interest rate of lpr.
Because this floating interest rate itself can better cater to the changes in the market, more people think that the future financial market will continue to improve, and then the interest rate of house loans will not keep rising, and the cost of using funds will gradually decrease. Of course, some people think that the mortgage policy is gradually tightening, 1 housing and second-hand housing are becoming more and more difficult. The housing loan interest rate will not fall in the short term, so they'd better choose a fixed one if it is more favorable.