Thank you for your question.
That is not something that we follow closely from one day to the next. Rather, it is governed by competition among lenders in the mortgage market. We mainly deal with loan-value ratios over 80% in the market. Borrowers generally opt for fixed rates. Certainly, buyers prefer fixed rates for the first term.
This is not something we examine in great detail. However, we see that the market managed the issue through competition among lenders.