You’re right.
But there’s another important point here — witnesses juggle the numbers like circus performers. That creates a lack of clarity and confidence for people considering investing in HBD.

I remember someone mentioning interest rates tied to a fixed term — that would be much fairer and more reasonable (in my opinion).
In financial matters, stability and predictability are key.

I understand the situation is complicated, but to me, constantly lowering the interest rate can only make things worse (just my non-professional opinion). Maybe someone can explain the opposite to me?