I don't think it makes any difference. The loan algorithm is loan amount * loan interest rate * loan term, with the same term and the same interest rate for the next month. For example, Hong Kong dollar 12 1.9 and US dollar 15.6 are all 100 RMB. Although it seems that the monthly payment figures are different, there is not much difference when converted into RMB. Like a catty of iron or a catty of cotton, which is heavier.

At present, it seems to be cost-effective to borrow dollars without specifying the quota and interest rate. According to the news, the average interest rate of 30-year fixed-rate mortgage in the United States dropped from 4.32% in the previous week to 4. 15% in the week ending August 18, the lowest level in more than 50 years. /kloc-The average interest rate of 0/5 year mortgage loan decreased from 3.5% to 3.36%. If the interest rate is low, not to mention the continuous depreciation of the US dollar, it is equal to the original US dollar of 1 1,000 yuan per month. If the depreciated dollar once had a face value of 1000 yuan, it is equivalent to 800 yuan now.

Although the monthly payment seems to be much less, what used to cost 10 will now rise to 12, 13 or higher. On the whole, there is not much difference.