1, converted into floating interest rate in the form of LPR plus points: the future loan interest rate is LPR+ floating interest rate, which can go up or down, and you can enjoy the benefits brought by LPR. In this way, the interest rate will go up, which means that you may have to bear a bigger interest burden than in the past.
2. Conversion to fixed interest rate: maintain the existing base interest rate+floating interest rate, which is equal to the current execution interest rate level of the original contract. No matter whether your interest rate is high or low in the future, it will not be converted until the loan is paid off. Disadvantages There is no way to enjoy the benefits brought by LPR downlink.