Will directly affect the interest rate of mortgage. Besides choosing a house, whether you can apply for a loan is an important topic. However, if a loan will affect the expected annualized interest rate of mortgage loan, it will affect the expected annualized interest rate of mortgage loan to some extent. Here, we need to know the expected annualized interest rate of bank loans first. The expected annualized interest rate of bank loans depends on each bank's own loan situation, so the expected annualized interest rate of this loan determines the expected annualized interest rate of banks. Usually, banks will give different expected annualized interest rates for loans. If they don't borrow at the expected annualized interest rate of the benchmark, they may raise the expected annualized interest rate of the loan or lower the expected annualized interest rate of the bank.