大部分的人只知道贷款的program有30年、15年、5/1 ARM，所以他/她们在做重贷时，禁锢在这些产品当中，因而失去低利率及多产品带来的实惠。
比如说你当前的贷款是30年的，5年前做的，现在的低利率对你确实有很大的吸引力。如果你只对固定利率感兴趣，但又觉得15年的负担会太重；又不想再重做30年的贷款，因为觉得又要重付银行30年利息，即便利率减少了，也不见得有多划算。
实际上，固定利率的program还有25年、20年和10年的。25年和20年的利率通常会比30年的低，10年的要比15年的低。所以，如果你的30年贷款已经还了5年，在重新贷款时，你不妨选择25年或20年的产品，这样既不会延长你的还贷时间，还可享受到更低利率带来的好处。
因为有了25年、20年和10年这些贷款产品的存在，增加了选择产品上的灵活性。让你既可享受到低利率带来的实惠，又不会延长还清贷款的时间。
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