Furthermore, competition among banks has also led to the decrease in loan rates. However, other factors still need to be taken into account when making the decision to purchase a property.

Buying a house is a significant financial decision that requires careful consideration. In addition to the interest rate, one should also consider their own financial situation, affordability, and future repayment burden.

Homeownership entails not just loan repayments but also expenses related to property maintenance, property taxes, and insurance, among others.

It is also crucial to assess property price trends and market prospects. Property prices can be influenced by various factors, including macroeconomic factors, supply and demand dynamics, and government policies, among others.

When purchasing a property, one should consider the potential for long-term investment and understand the development plans in the area, as well as the situation regarding transportation, education, and infrastructure.

Moreover, as a homebuyer, it's essential to understand and compare different loan options and plans. Interest rates, repayment methods, and other terms offered by different banks and financial institutions may vary.

Therefore, before choosing a loan scheme, it is advisable to consult with professionals, gain a comprehensive understanding of various loan options, and consider one's own needs and risk tolerance.

Finally, predicting interest rate trends is a complex issue influenced by multiple factors. Despite the current rate decrease, the future trajectory of rates remains uncertain.

Before making a decision, one can keep an eye on information regarding the macroeconomic situation, monetary policies, and global financial trends to better assess the likelihood of interest rate movements.