Do you think it's time to change my home loan interest rate from variable to fixed?

Depends upon how long you get to pay it back, what products the lender is offering, what you're using it for (mortgaging a house, buying a car, consolidating other debts), and what your credit score is, among other things. If it's for a home loan, there are numerous online calculators to help you fill in the blanks and find out what it will cost monthly. Some car companies are offering 0 % APR incentives for, say, 36 month loans, but only for "well qualified buyers".

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