Buying a house in Nangong, Hebei Province, the loan bank loans to rural credit cooperatives 140000, 12 years, and the monthly payment is 1550.94 yuan. So the interest rate is 8.5%.
Commercial banks can adjust the benchmark interest rate of the People's Bank of China by themselves, and there are 1 points. The interest rate of 8.5 will not change in your loan. No matter how much the current interest rate changes in the future, it has nothing to do with you. In the next 12 years, you will still have to pay 1 550.94 yuan every month. If you pay off in advance, you still need to pay the handling fee.