text: Absolutely. But on the flip side, ਜਦੋਂ ਤੁਸੀਂ variable ਲੈਂਦੇ ਵੀ ਹੋ and ਜੋ market 'ਚ ਹੋ ਰਿਹਾ you can you hear that rates may go up, you can always convert your variable rate to a fixed rate without a penalty.