Let's not talk about the benchmark loan interest rate. Now everyone is changing LPR teaching. If not, they can choose the remaining five years as a fixed interest rate. Personally, I think there is a high probability that interest rates will go down. With negative interest rates in Europe and Japan, it is impossible for China to keep raising interest rates. After the conversion of LPR, although the old interest rate remained unchanged for several months this year, the LPR quotation mechanism was introduced. From next year, LPR will be reduced, and the monthly repayment amount of mortgage users will also change accordingly. Someone calculated that if the interest rate drops by 0.2%, the monthly mortgage of 500,000 yuan will not reach 50 yuan.