For those who are currently considering buying a house, choose according to their actual situation. If it is the first time to buy a house, it will be more cost-effective to choose some commercial bank loans with lower interest rates because of the downward adjustment of interest rates. If you buy a second home, you need to pay attention to the increased down payment ratio. You can consider choosing a provident fund loan to reduce the down payment burden. In addition, we need to pay close attention to the rising trend of interest rates and plan our repayment plan reasonably. Generally speaking, the choice of mortgage interest rate needs to comprehensively consider its own financial situation, house purchase situation, future repayment pressure and other factors.