For individual lenders, if the current loan interest rate is not high, such as only 3% and 4%, then it is best to choose a fixed interest rate, because it may not drop to that low in the future. But if the interest rate is close to 5%

Generally speaking, the loan term is relatively long, which may be around 65,438+05 years. In such a long period, the interest rate itself has a cycle of rising and falling, and the final rising and falling may cancel each other out, so borrowers need not be overly nervous and anxious.

Extended data

Precautions:

According to relevant persons of CITIC Bank, the conversion rate of personal stock loan pricing benchmark of the bank is over 80%, and over 90% of customers have chosen the LPR floating pricing model.

The data shows that since August last year, the LPR linked to the interest rate of individual housing loans for more than five years has dropped from 4.85% in the first phase to 4.65% at present.

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