(1) The fixed interest rate is generally higher than the variable interest rate. If the variable interest rate is 6%, its fixed interest rate may be 6.5%; If you choose a fixed interest rate, it is equivalent to buying insurance for your future interest rate, and the lender may charge you more as a reward for losing your freedom of funds.

(2) Investors with fixed interest rates should pay attention to two points:

(1) The fixed interest rate has a fixed term, usually the lock-up period is 1-5 years; Moreover, if you choose a loan product with a fixed interest rate, investors usually cannot repay in advance, and there is no functional choice for hedging accounts.

(2) In fact, the fixed interest rate is not necessarily "fixed". Your fixed interest rate can be changed. This change is determined by your lenders, who often adjust their fixed interest rates according to the constantly updated financial information.