Mixed loan is a unique loan method. Generally speaking, it integrates two loan methods, namely fixed interest rate and floating interest rate. Therefore, it can be said that mixed loans refer to mixed loans that combine fixed and floating loans.

Mixed loans are usually used to finance house purchase or house decoration, and their interest rates are relatively stable, because floating interest rates are usually determined by policies or market conditions, and there are always some uncertainties, while fixed interest rates are more stable. The combination of the two has relatively high security and reliability.

Mixed loans have a wide audience, including first-time buyers, second-time buyers and parents who want to help their children buy a house. The repayment method of mixed loans is flexible. Generally, you can flexibly adjust the repayment method according to your financial situation and income level. At the same time, mixed loans can also allocate the ratio of fixed interest rate to floating interest rate according to their own needs, so as to realize more personalized capital allocation needs.