China Construction Bank said that if it is converted to LPR, the mortgage interest rate will be more market-oriented. In the future, every interest rate adjustment day will be adjusted with the change of market interest rate level. If LPR is reduced, you can enjoy the benefits of interest rate cuts. If it is converted into a fixed interest rate, the interest rate level will remain unchanged. However, it should be emphasized that because everyone has different judgments on the future trend of the LPR interest rate market, they have different conclusions. There is only one standard:

1. If you judge that the LPR interest rate will be higher than 4.9% in all future mortgage repayments, then you can choose to keep the current fixed interest rate unchanged.

2. If you judge that in all future mortgage repayments, if the LPR interest rate will be lower than 4.9%, then choose the floating LPR interest rate.

In short, if you choose a fixed interest rate, when the benchmark interest rate adjusted by the state is lower than the current interest rate, it means that your repayment will be higher than the floating interest rate, and vice versa.