If the loan has a fixed rate, the rate will be reduced by 2% (but not below 5%), and if it is an adjustable, it will be recast at a 5% fixed rate, over 20 years.

• 。如果贷款采用固定利率，则利率减少20%25（但不低于5%25）。如果是可调的，对20年以上的，则以5%25的固定利率进行重调。