① If the remaining loan life of your mortgage is relatively short, you can choose lpr floating interest rate at this time. Because my remaining loan life is not very long, I don't need to consider the increase of lpl at all. Even in the future lpr, the loan interest rate will be greatly increased, so you can choose to repay the loan in advance, which can avoid more risks.
② If the remaining loan life is long, you can choose a fixed loan interest rate. Because your loan has a long remaining life, you should be careful when choosing, and you need to consider the risks you can bear. Because it is difficult to predict the future changes in interest rates, we should choose a fixed interest rate to be on the safe side.
Lpr interest rate is actually the abbreviation of the best lending rate. This interest rate is 18 quoted by domestic banks. After the quotation, the highest and lowest values are removed, and then the average value is taken, which is generally updated on the 20th of each month.
Click to view: Which is better, Ipr floating interest rate or fixed interest rate?