I'm looking refinancing my home loan, a lot lenders out there are offering good rates at the lowest i've seen is ING with 2.09% fixed term rate. i understand no one has the crystal ball or can predict what's going to happened in future scenes, but based on the current scenario do you think interest rates will drop below 2%? with recently being advised my working hours going to reduced i'm trying to save where ever i can. my question is it wise to go with a variable rates now with no lock in contract then supposedly the rates did dropped below 2% in about a month or 2 times, then i will go with fixed rate. let me know what's your thought.