Interest rates have been raised several times, and both deposit and loan interest rates have increased. It is normal for CCB’s housing loan interest rates to increase! Mortgage interest rates fluctuate every year. When you sign a loan agreement with a bank, it is definitely not that the mortgage interest rates remain unchanged. It is definitely the bank that has the right to have any rights based on changes in interest rates. It is definitely not the bank that will suffer, but only the bank. personal! With so many interest rate hikes in 2011, the interest rates on mortgages in 2012, including those for new homes, will definitely increase a lot!